BOK FINANCIAL CORP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75206	Web
Currently as it stands, my mortgage provider has falsely reported me for being delinquent in my loan since XX/XX/XXXX. At that time I was on forbearance and should not have been reported delinquent. The issue arose ( discovered exact source of issue end of XX/XX/XXXX ) as my loan was not coded correctly in a change of loan servicer. My forbearance was changing just as a previous mortgage provider sold my loan and because of the limited information from my previous mortgage provider as well as the incorrect coding of my loan we my new service provider, for 10 months I have been at the mercy of trying to straightened things out. This is the two scenarios in which my loan should play out under : Senario 1 : Forbearance from end of XX/XX/XXXX- XX/XX/XXXX. I was paid 4 months ahead. had my loan been coded correctly the 12 payments I had during forbearance would have been put on the end of my loan and I would have resumed payments. Since I was paid ahead four month this would have gotten me to XX/XX/XXXX WITHOUT being behind on my loan. I have been told time and time again there is a two month liencency with all loans coming from the forbearance and with the transition from XXXX to BOK. Which would have made my loan ultimately come down in XX/XX/XXXX. However, I was reported in XX/XX/XXXX of XXXX, thus BOK gave me 4 days to report delinquent. When they reported I was reported as more than 120 days. As of XX/XX/XXXX, I would have been 4 days delinquent. So again, incorrect reporting Senario 2 : Forbearance from XX/XX/XXXX- XX/XX/XXXX ( 18 months ) I have been told a multitude of things regarding the extension into 18 months. My most recent understanding is that had my loan been coded correctly in the forbearance then I would have in fact been eligible for another 6 month extension. As discussed, this was something I couldnt apply for as my loan was in transition from XXXX to BOK and BOK had to apply on my behalf. Assuming forbearance had ended in XX/XX/XXXX, I was paid four month ahead. Thus making me current on my loan and my first payment would be due XX/XX/XXXX. As you can see from either of these examples I have not been fairly reported. I was hoping to make payment for XXXX and XXXX. With scenario 1, I would hope I would only be reported as XXXX months behind in that case. However, if there is also a true window of 6 months before BOK credit department would have reported I would not have been reported until XX/XX/XXXX, which has not even come. As of this exact date, XX/XX/XXXX, I called to make a payment as BOK 's online portal will not allow me to. They will not even allow me to make a payment which we continue the cycle of reporting me while I am trying to pay. Can you please review the attached information. You will see I have provided the information about paying ahead. I was paid ahead 4 months + and extra {$1000.00}. As I have tried to communicate to the loan re-modfication team when I have applied, I am not a risky person to lend to based on my credit. My credit has only tanked from the incorrect reporting from BOK. copy of letter already sent to my mortgage provider 's credit department : I am reaching out as it relates to the status of my loan as well as what has been reported to the credit agencies and bureaus. In XX/XX/XXXX, I pulled my annual credit report and was shocked to find my XXXX credit score had dropped to below XXXX now fluctuating around XXXX.Going through the credit report I found BOK had reported my mortgage as not paid since XXXX of XXXX. I was astonished given the background of my loan to see this. With the supporting information, I am asking we work as a team to correct my credit as well as make progress on the loan modification or deferral of payments to the end of my loan. Per my last call with BOK, my understanding is there is a lot of mis-information- both given to me in the past, as well as BOK receiving information from my former mortgage holder, XXXX XXXX Mortgage. Timeline of events : Under XXXX Go Mortgage XXXX : Paid extra month payments in the months of XXXX, XXXX, XXXX, and XXXX. My loan with XXXX ( taken from another loan provider ) began in XX/XX/XXXX, and within an 8 month period I made 4 additional payments beyond my monthly payments totaling ~ {$8000.00}. See attachment : XXXX XXXX : Now well over a year into the pandemic I was making less deals ( equates to money as I worked in a commision only environment ) than at any previous part of my career. As a safety precaution, I made the decision to put my loan on the forbearance plan. XXXX : First time on a forbearance plan as a safety precaution. This was for six months. XXXX : Was let go from my job as production had decreased due to the pandemic. XXXX : XXXX : Received a letter stating my forbearance had ended and as a result I needed to re-format my loan or extend my forbearance. My foresight was correct as less deals were coming through. Extended forbearance a second time. See attachment : XXXX XXXX : Received a letter stating my forbearance would be ending at the end of XX/XX/XXXX and could make a decision to re-format my loan or extend my forbearance. XXXX : Started a new job salaried position at XXXX XXXX. -Notified my loan was being acquired by BOK . Provided with multiple incorrect dates at which this would happen by XXXX. - I was told I could reapply for forbearance one last time, per XXXX. See attachment XXXX XXXX : Still unsure what direction to take given I was now receiving a salary, but wanted to XXXX out XXXX and pay off some debt that I had begun to build up. The last week of the month I was laid off from XXXX XXXX as bottom line dollars were rapidly declining due to prices of chicken and cost of supply chain logistics due to XXXX. This last week of XXXX I decided I would extend forbearance a third and final time. Upon calling XXXX, I was told due to BOK taking my loan over within the next few days there was nothing they could do as my loan was already in transition in the background. Under BOK Mortgage XXXX : The day my loan was officially acquired by BOK I called the number provided to me by XXXX. This was the beginning of the month. There was nothing in the system. I continued to frequently call - at some point I was told it would be at least a two week process until all the loans acquired from XXXX were in the BOKs system. The gentleman helped me apply for forbearance - this took a while as BOK didn't have any prior history of my loan. On XX/XX/XXXX I had emailed XXXXBOK a statement, as requested by this gentleman, ( attachment 3 ) showing I had been on forbearance and could re-apply. In addition, he talked about applying for the loan modification program within BOK in the event I was denied. On XX/XX/XXXX I sent in the loan modification application provided and the supporting documents. BOK online portal showed my application was successfully completed and I needed to wait to hear back. Ultimately, it was towards the later part of the month before my loan was in the system and a BOK representative could help me further. At this point, I had made a lot of initial calls as I wanted to ensure my loan got on the third round of forbearance ( unable to do anything online as my loan was not being serviced by XXXX and BOK didn't have it in the system ). XXXX : It has been determined by BOK I was not eligible for forbearance as the only parties which were eligible for three rounds of forbearance had to initially enter their first round of forbearance before a specific time ( I think it was a specific month in XXXX don't recall the exact date provided to me ). As per above, my first round started in XX/XX/XXXX, and that date did not meet the requirement for the third round. This all took a while to get to an answer as the BOK gentleman had to apply on my behalf and use the little information he had access to at the time. I was rejected based on the date in which I initially went on forbearance. - At this time my application for loan modification was still under review. XXXX : My application for loan modification was still under review XXXX : My application for loan modification was denied with no further explanation. XXXX : I called BOK on XX/XX/XXXX to discuss what options I had available. I was told I had none. I asked if we could at least move the initial payment to the following month. I was told by the BOK representative she was unsure if this could be done and she would get back to me. I never heard back from the representative. At another point, I believe around XXXX, I called to follow up. I was told nothing about my request as any deviations go through a list of investors and can not get an immediate yes/no just through a manager or BOK department. The representative on the phone this particular day decided to look and see why my loan modification was denied as it did not make sense to me and was never provided an explanation. I was told it was because my application was missing some supporting documents. I never received an email, phone call, or letter in the mail stating anything other than my application was fully completed. On this call, I was told I could re-apply given I was rejected for loan modification solely on the fact BOKs investors needed more information. At some point I receive a new application which I can reapply. In doing so I find out the application is completely different from the initial one I was provided with in XXXX meaning there was no way for me to know my initial application lacked documents needed by the investors. Side note : It was my understanding until the loan had been re-modified payments were recommended, but not necessary as those payments could also be included in the loan modification. Furthermore, it was said to be due to the timing in which my forbearance changed and the loan changed servicers, there was a leniency to payments while loans got in the system and sorted out. XXXX : XXXX : - Post holidays I finally have time to re-apply - On the XXXX I sent a dropbox link with the application and the supporting documents - On the XXXX I sent 3 emails to XXXX with the same application and supporting documents that are in the dropbox folder - I also discussed with a gentleman using IRA support documents. He told me he would email, but I never received it. Upon following up, I was told he left no note of this conversation. XXXX : - Due to the amount of time it has taken with the loan modification program and response time from BOK, I decided I was going to take out a second mortgage on my home. As a result of re-doing/adding onto the kitchen and adding on a 3rd bedroom and bath, I have built considerable equity in the home which could be used to bring my mortgage current. - The first place I applied I was rejected based on my credit score. Which leads me to pull my credit score. As this letter initially stated, it was at this time I discovered BOK had reported me for not making a single payment since XXXX of XXXX. After finding this out, I immediately called BOK on XX/XX/XXXX. I was told a host of things - XXXX and I discovered an abundance of incorrect information ( or lack thereof ) had been previously provided to me from BOK. In our time talking, I was told when my loan was taken over by BOK they were given no prior information of my loan being on forbearance. I was told since my file didn't have the forbearance information it appeared I had not made a payment since XXXX of XXXX. This is exactly what was reported to the credit bureau. This is factually incorrect : - BOK was given notice on XX/XX/XXXX ( attachment 3 ) showing a letter from my previous mortgage provider I was in fact on forbearance. While I was on forbearance, ones credit score should not be negatively impacted. This was mandated by the government. During my call on XX/XX/XXXX I was told BOK still had no information I was on forbearance and the loan is noted as failure to pay during the entire time I was on forbearance. - Again, I will note, and as I have included the information regarding the 4 additional payments made in XXXX with GSF. This is important as the months reported paid XXXX, XXXX, XXXX, and XXXX of XXXX I was on forbearance. I did not pay those months - my previous 4 extra payments which I always intended to be principal payment were then reported from XXXX to BOK I had paid those 4 months, when in fact I did not. As for any month beyond when my forbearance officially ended, I was completely mis-guided as to the status of my loan while applying for a loan modification. I was told there-was some leniency for those coming off forbearance and the time applying for the loan modification program. It was always my interpretation the time frame from forbearance ending to a re-modified loan would be included in the loan re-modification. As I write this on XX/XX/XXXX I have still yet to hear anything in regards to the loan modification I re-applied for in XXXX of XXXX through the mail or by email. The only mail I have received from BOK is my monthly statement, letters regarding a potential foreclosure, and most recently two letters regarding how to get rid of PMI. While XXXX is responsive when called, I am given incorrect information and very rarely do the BOK representatives follow up when Im told they will. Of all my calls, the only representatives which have been helpful were the lady in XXXX of XXXX willing to dig into why my initial application was denied, and most recently XXXX XXXX on XXXX. Both of these representatives followed up when they said they would. No other representative has held to their word on follow up - this includes information about status of my loan re-modification or sending/mailing/emailing documents discussed. If properly followed up by BOK I would have sent in all the information last fall. I would like to call attention to the time gap in between my phone call in XXXX regarding my credit report and the time in which this letter is arriving. My fireplace had an issue in XXXX during the Texas freeze in which Ive been very bogged down dealing with the aftermath and all the steps to remediate with my insurance company. My timeliness is not reflective of how significant this matter is to me and finding resolve. My priorities were handling the immediate need of moving out and securing a new location, rebuilding personal belongings, etc. while my house is remediated from the smoke damage. With the information provided, I hope we can come up with a few solutions. At a minimum, 12 months should be reported on forbearance, not as not paying. I believe I have supplied sufficient information in the attachments showing I was in fact on forbearance and was not delinquent in my loan. Furthermore, the matter of the timing of which my specific loans forbearance ended/needed to reapply along with the timelines of the loan switching to BOK my loan was coded incorrectly and should have proceeded through a different route 10 months ago. If I had still been in forbearance when BOK acquired my loan, I would not have been reported to the credit bureau for the 12 months, and I firmly believe any loan re-modification application would have thus gone more smoothly. Outside of the credit report needing correcting, I would like to raise attention to the investors how significant this appeal is. The incorrect credit reporting is one of the reasons I am not being accepted for a loan remodification as my low credit score makes me look like a risk.Had the credit reporting been shown I was in forbearance, I am positive my score which previously hovered around XXXX would have been accepted as such a credit score would not make me a risk to lend to. Additionally, if the credit can be correctly reported and fixed I would also be accessing additional capital of ~ $ XXXX of equity I have built in my house. That would be more than enough to make the loan current and not even have to go through a loan re-modification. As the investors look at me as a client, I would like to call attention to the remainder of my credit report. As an investor can see on my credit report, I have never missed a single payment on any debt. In addition, I also fully paid off close to $ XXXX of student loans well before the age of XXXX - which was not an easy achievement. I care an immense amount about not living in debt and staying current on all bills. I call to an urgent remedy to the incorrect credit reporting as well as the miscommunication towards me as a customer in payments being included in a loan re-modification. I hope this matter can be attended to in a timely fashion and with clear communication.
10/05/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	TX 77080	Web
I have been with Bank of Texas for over 20 years. My dispute is with the Bank of Oklahoma dba Bank of Texas, through whom I have had a home improvement loan since XXXX. I was on tract to pay that loan off in 3 years. In XXXX they offered me an approval for twice the amount of my original loan for another home project. I have been very pleased with the service of both banks through the years, as they were always honest brokers and very helpful. I have raved to others about the outstanding service that they provided. Because of this, I chose to initially give them the benefit of the doubt concerning this complaint I'm reporting. Though I often vascillated, revisiting my decision to choose to work directly with them through this dispute, as good faith discussions seemed to deteriorate into an unpleasant escalation causing me to lose hope. As my trust in the process eroded, I began to make several inquiries and tried to gather as much information on my own from different areas of the bank to alleviate my concerns with the actions they were taking, but to no avail, so I decided to take this route. I have included the names of the agents and supervisor I spoke with because CFPB requests that information. I'm not faulting any individual I spoke with per se and preferred not to name them.I choose to believe they did the best they could under the circumstances. The resolution for this issue appeared to be beyond their scope.I am contending with the process afforded me from this bank and the handling of this specific case. Monies Involved : I am providing this information as a reference : The forbearance amount was {$1200.00} ( {$420.00} x 3 months-for XXXX, XXXX, XXXX ) ( see Forbearance doc ) The amount deferred was {$1400.00}, listed as principal and interest on the deferral agreement ( See the XXXX deferral doc. ) There were discussions concerning the discrepancy between the deferred amount versus the forbearance amount, because the deferred amount was reflecting more than the sum of my monthly principle and interest payments. I mentioned in at least one conservation that that deferred amount on the deferral agreement document, by the numbers, was also including my monthly Protection Plus Plan payments as part of the principle amount, so those payments for the forbearance months were also showing deferred, a welcomed application for me. It is a plan I chose to add to my loan through the bank for self protection in the event of certain adverse circumstances, so it was included in my payments at the signing of the loan. I realize they were feverishly trying to process the many requests they had, however, they never said that that conclusion was incorrect and the deferred amount remained the same throughout this process ( as written on the XXXX document, as verbal for the XXXX document ) .I found that Bank of Texas allocates the Protection Plus Plan ( PPP ) amount 2 different ways ; on my mortgage statement as fees and charges, and as principle on other documents.On the XXXX deferral agreement, it was recorded as the latter. The XXXX document had no numbers of any kind on it. I have attached both agreement documents for viewing. When talking to agent XXXX at a later time about the PPP portion, I had forgotten about the PPP payments being included already in the deferred amount in the document I had signed XX/XX/XXXX, and misspoke. Out of concern that it would affect the understanding we had, I immediately called her back but had to leave a voicemail reminding her that the PPP payments were already included in the deferred amount, that I had misspoke. I recorded myself leaving the voicemail. That was XX/XX/XXXX. I never heard anything back from them again regarding that particular conversation. The history : I contacted the Bank of Oklahoma in XXXX to inquire about any ( inquire if they were providing any forbearance offers to assist their customers who were impacted by Covid-19 ) forbearance offers they may have to assist those impacted by Covid-19. They said they were assisting such customers and offered me a 3 month forbearance beginning with the XXXX payment, ( per XXXX ) stating my plan allowed for the missed payments to be attached to the end of my loan following the forbearance period, that I would be able to resume my regular payments after the 3 month period without an adverse affect on my credit or otherwise. I accepted the offer and a letter was sent explaining the forbearance. Because the forbearance period covered the XXXX, XXXX, and XXXX payments, I called in XXXX to discuss again the options offered after forbearance, since I would be resuming regular payments in XXXX. I was offered an additional 3 months forbearance if needed or other offers related to coming out of forbearance. I chose to come out of forbearance with the deferred plan and received a letter stating that I was approved for the deferred plan they offered, that I needed to send it back signed to accept the offer by a certain date. I did that and made copies of the letter prior to mailing it. I resumed regular payments as agreed in XXXX. In XXXX I was sent another deferral plan to sign. That confused me because I had been out of forbearance for 3 months. so I called to ask why I was sent that agreement since I already had one effective from XXXX. The agent XXXX said that the wording needed to be adjusted in order to better comply with Texas law but that everything was the same as the agreement I signed in XXXX, reiterating only the wording was different. Well I asked " specifics '', if the deferred amount was the same, maturity date the same, and " no interest charged on total amounts to be deferred ''. The agent said " yes, everything is the same ''. However, everything was not the same. That was not true. The XXXX agreement extended the maturity date and accrued interest on the amounts deferred. I choose to give the agent the benefit of the doubt, as she was a very pleasant person, and assumed she was only saying what she was told to say. It just felt like an attempt by the bank to get their customers to sign off on these new agreement terms, now that interest accrued on the deferred amount. Texas law does not regulate the types of deferred to be offered but the amount deferred and cost to the customer and date the deferral agreement began should be written in the document. This information was not on the XXXX document and was dated for a deferral beginning in XXXX, not the month my deferral began, which was XXXX. Never-the-less, their request began to appear disingenuous to me. When I told the agent that while I agreed to the terms of the agreement I already had, I did not agree to these new terms so I would not be signing the XXXX one, she said in effect that not signing it would cause my loan to go into default. When I said but I have a plan that I signed in XXXX to protect me from default, I got no response to that. I then went to my local bank for them to review the documents with me and the banker called them on my behalf to inquire about my concerns. The banker was told by an agent XXXX, in response to his question about the additional interest charges, that " no '' additional interest will be charged on the deferred amounts in the XXXX agreement, though the document stated otherwise. He offered to be a witness to the agent 's answer to his question for me and said his calls were recorded. A supervisor XXXX then called and explained in a few disjointed fragments " ... .for this specific type of product that you have ... never supposed to have mailed this at first ... type of loan you have, not going to have a balloon, you are deferring ''. It sounded like " word salad '' to me and the last statement was totally nonsensical. Deferred payments can be attached as a balloon or by extending the loan by the number of payments deferred. Both methods are legal in Texas. The explanation when I inquired of what would happen to my current agreement, was " it ( the XXXX agreement ) was not valid, that it wasn't their form '', though Bank of Oklahoma dba Bank of Texas was printed on that form as well. I thought it humorous and was light-hearted about it at the time but per legal counsel, that statement made no sense and I agreed. The complaint : The reasons given to make the agreement change, throughout my conversations with them, were incoherent and were not plausible. I vascillated back and forth in my response to them in an effort to trust what I was being told while struggling to believe them, because it seemed the explanations continued to evolve each time I inquired of the reason. This caused me to feel I was no longer dealing with honest brokers as I have in the past and that this was an attempt to absolve themselves of legal liability to the first agreement done in XXXX that doesn't accrue interests on the deferred amount by urging me to sign off on this new agreement in XXXX that does accrue interests. Besides the extension of the maturity date of the loan, this was the only significant difference I saw between the 2 agreements. However, a change in how the payments are deferred are not my main concern, but having to pay interests I did not have to pay with my original XXXX agreement is not acceptable. That change appeared cleverly disguised in my many conversations with them about the XXXX agreement and was never fully addressed when I asked on different occasions about that specific difference. I signed the XXXX agreement under duress as inferred in the statement I wrote and signed on that agreement. The document stated " if you fail to return the fully signed agreement by XX/XX/XXXX then your original loan terms will remain in force and you will be past due for the payments that were missed. '' I was quite distressed by that threatening statement as I already had an XXXX agreement I was abiding by that was supposed to protect me from default.I faxed the agreement from my local bank so I could have a witness to the agreement being signed with a statement at the time it was faxed. The Resolution Request : I went back to review recordings of a few conversations I had with them, though I recorded all of them, in an attempt to be accurate. Anything I wrote that may appear as skewed to the other party is not intentional. Iam not asking for special favors because I have been a long-time patron of the bank. I am thankful for their willingness to assist their customers who were adversely affected by the pandemic, but I feel it is unfair to me regardless of my tenure with the bank to attempt to change my agreement from one in which no interests accrued on deferred amounts to one that does accrue interests. I have never had an altercation with Bank of Texas before now. This issue, as it currently appears, was too disturbing for me to ignore. To resolve this I am asking for the Bank of Oklahoma dba Bank of Texas to honor the terms of the initial agreement : " Interest will not be charged on the total past-due amounts to be deferred. The 'total past-due amounts to be deferred ' will not change between now and the maturity date of your loan unless you pay some or all of the 'total past-due amounts to be deferred ' sooner than maturity. The payment deferral will not change any other terms of your mortgage '' as stated in the XXXX agreement that per legal counsel was a legally binding contract. I understand that financial institutions are afforded a lot of leeway where forbearances and deferral agreements are concerned, so if this does not meet the criteria of legality as advised me per legal counsel, these actions as displayed so far are still unethical. The XXXX agreement was analogous to the one suggested in the CARE 's act that lenders provide as a deferral plan post forbearance for Covid Impacted borrowers with mortgage or mortgage type loans. It was required for federal loans, and, though not legally enforced, was strongly suggested to private lenders such as banks, as financial entities such as banks were given financial support from the federal government to assist them with the affects of the Covid pandemic on them. Notably, the CARE 's Act also states that those impacted by the Covid-19 pandemic are not to be subjected to negative reporting, adversely affecting their credit.
05/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 548XX	Web
This is a complaint about the Bank of Oklahomas ( BOK ) Loss Draft Department ( LDD ) XXXX process of dispersing monies deposited from an insurance claim with State Farm on our home in XXXX XXXX. The complaint also details egregious inconsistencies in their inspection process which has significantly impacted our receiving funds appropriately. We started this process in XX/XX/XXXX and it is ongoing. On XXXX I submitted our first check to BOK Loss Draft Department. ( See attached Checks Submitted XXXX ) in the amount of {$2800.00}. All Funds ( {$2800.00} ) were dispersed on XXXX without an inspection and with no issues. ( See attached Claim Funds Sent Doc ). On XXXX I uploaded all required documentation for the project including the attached XXXX XXXX XXXX XXXX XXXX document which stated the total payout for the claim if all expenses were incurred was {$430000.00}. As a point of context BOK titles this document interchangeably as Adjusters Worksheet and Insurance Adjusters Worksheet ( see attached Uploaded Docs XXXX and XXXX XXXX XXXX ). Importantly, once documents are uploaded into the BOK loss draft portal, they are not viewable by the consumer. The only way to get a copy once submitted is to call and ask. On XXXX I submitted the second State Farm check in the amount of {$160000.00} to BOK LDD ( see attached Checks Submitted Doc ). On XXXX. I received a check from BOK for {$53000.00}. I immediately called the LDD customer service ( cs ) - XXXX to inquire why the check was for less than XXXX of the insurance check amount and was told that was how they dispersed, but I could request an inspection when some of the work had been completed and they would disperse more. * Please note this information is Not visible in any way on the website, nor described in the FAQ about inspections in any meaningful way ( see attached BOK Inspection FAQ doc ) On approximately XXXX I requested an inspection in the LDD portal. No record of when inspections are requested are available on the website. I was never called or contacted by anyone to schedule the inspection ( which the FAQs state will happen ) and on XXXX I called and was informed by the LDD cs that the inspection was scheduled for the XXXX and the inspector would call me to confirm. On this call I inquired about dispersements and was informed that payments were tiered, and that when 70 % of the work listed on the Adjusters worksheet was complete, they would disperse 70 % of the funds, and when 75 % was complete, they would release the rest of the funds ; 75 % was their threshold for the project completion. Please note NONE of this information is available in the consumers portal available at XXXX : XXXX On XXXX I received an automated text stating my inspection was complete ( see BOK Inspection Report Doc ) and to review my portal for next steps. I never received a call from an inspector to confirm a day or time, which was not XXXX but was XXXX. I was not informed, I was not asked to be present, although it clearly states in the Inspection FAQ ( see attached ), that they will SCHEDULE with the homeowner, and that the homeowner must be present, and upon request a copy of the inspection report is available at the time of inspection. To date ( XXXX ) I have had 4 inspections, 0 calls to schedule said inspections, 0 opportunities to be present at said inspections, and been offered 0 inspection reports. These detailed reports are also Not available on the website ; the only inspection information available is when they were completed ( see attached XXXX Inspection Report for what is given each time an inspection is done ). On XXXX a check was sent from BOK for {$79000.00}. On XXXX I had requested another inspection because a significant portion of work was completed in the week since I had originally requested an inspection and I my contractor agreed that 75 % of the work was complete. He required additional funds to proceed with the rest of the work. Once again, no contact was made, I called BOCLDD cs and they said I would be contacted soon. I was never contacted. On XXXX I received a text message stating the inspection was done and work was not enough to qualify for a final inspection. No further funds were dispersed. On approximately XXXX I called BOK CS to inquire about the process once the final payment from XXXX XXXX was submitted because we had received notice it was on its way to us. I was assured since we had already passed inspections for the work being done at 70 % we would simply be issued a check for that percentage of the check we would send, and when more work was done submit another inspection request. On XXXX I submitted our final check from XXXX XXXX in the amount of {$260000.00} which included depreciation to the BOK Loss Draft Department. ( See attached Checks Submitted XXXX ) and requested another inspection because even more work had been completed. As per before, no communication ever occurred about the inspection. On XXXX I got a notice the inspection was done but no funds were being dispersed. I called BOK CS to inquire where the 70 % check was and they informed me I would be receiving simply based on its deposit, and they said now the inspection was done it would be sent. On XXXX, my patience exhausted and no check or communication regarding the status of my fund dispersements, I called BOKCF again. I was on the phone for 5 hours and was hung up on or disconnected 3 times and was never called back. ( Let it be noted BOK has now had over {$300000.00} of my money for over a month ). Call 1- The first rep I spoke to said that my Adjusters Worksheet ONLY stated we would have XXXX or repairs done, and I needed to submit another adjusters worksheet if that had changed. I inquired as to why if that were the case, they had simply not returned the {$260000.00} check I had sent which included a total of {$220000.00}. She had no answer, and I asked for a supervisor. I said I would wait for one to become available. I was no hold over an hour during which time I Re-Uploaded the identical adjusters worksheet I had on XX/XX/XXXX in case I was able to talk to someone they would be able to access it. When a supervisor finally came on she said inquired about my concerns and said she needed to confer with someone else. I went back on hold. Someone else came on, said they would help me, I began to tell the situation Again, and was hung up on Call 2XXXX the rep said there were no notes of my calling earlier but said she was a supervisor and would help. She began to review the docs and said she needed to put me on hold to get help seeing the new adjusters worksheet. She came back on and said a different supervisor would need to call me back and hung up. Call 3 Repeat of call 2 with a different person. Call 4 I was told to request another inspection and to hold for a supervisor. I was disconnected before the supervisor came on. Call 5 I told the CS rep I had requested inspection and needed to talk to a supervisor. She reached a supervisor who assured her she would call be back by EOD. They did not. Ever. I did not call back, deciding I would be getting an inspection, and as of this time the only remaining item to need completion on the repairs was the downspouts. Please note the repairs on my historic XXXX XXXX XXXX home were extensive. Including : the roof tiles had to be fully removed, the gutter holders ( wood ) replaced, new copper gutters specially made and installed, new water barriers installed, the entire tile roof replaced, replaced and re-mortared, and all flashing for 6 chimneys re-coppered and reinstalled. When I requested the last inspection ALL of this was done. The ONLY remaining item is to install the downspouts. Scaffolding remains in place until the project is completely done. On XXXX I was sent a check for {$180000.00} along with the attached letter ( see May Dispersement 186 K Doc ). On XXXX I was alerted another inspection was done on XXXX. As per usual, no contact was ever made by the inspector. The online notice stated the work was still at 70 % and no more funds would be dispersed. ( See XXXX Inspection Report Doc ). The entirety of the BOKs behavior regarding the management of inspecting and subsequently paying out clearly due funds is egregious usuary and completely unacceptable. I hope you can assist and welcome any communication regarding this claim. Kind Regards XXXX XXXX XXXX XXXX XXXX Attachments : May Dispersement XXXX K XXXX Inspection Report Checks Submitted BOK Inspection FAQ BOK Inspection Report Claim Funds Sent State Farm Insurance Repair Estimate
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember
Frauding scams using my documents frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana of XXXX Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams using my brother documents of XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX All white documents Fraud scams using my XXXX and XXXX of XXXX Indiana and Michigan State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX born in Michigan State ) my XXXX was was a XXXX XXXX retiree, and XXXX a XXXX XXXX retiree, my grandmother of XXXX XXXX of XXXX Indiana was a XXXX XXXX XXXX XXXX and a XXXX XXXX retiree. Fraud scams also frauded her mom and dad of my great great XXXX parents of XXXX XXXX XXXX married to XXXX XXXX of Sir name of XXXX both decest closed out social security data and a serial number corners record and private grave of XXXX Indiana. Fraud scams frauding my great great great grandma and grandpa of serial numbered documents using XXXX XXXX XXXX married to XXXX XXXX. All death record 's and serial numbered documents. Fraud scams using XXXX XXXX XXXX of XXXX XXXX Indiana who is dead Frauding XXXX XXXX and my brothers XXXX XXXX accreadition of XXXX XXXX XXXX as registrations as classes and XXXX XXXX, through XXXX XXXX Indiana XXXX XXXX XXXX. Frauding scams using XXXX XXXX dead Mom documents of XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Fraud scams using XXXX XXXX documents married in XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using my birth certificate long form of doctors listed using XXXX XXXX XXXX XXXX XXXX of my XXXX XXXX Indiana serial numbered documents. Frauding scams using my immazation record 50 states which included others in the state of Indiana XXXXrauding my documents 50 states resterant franchises tore into my documents to create food products Frauding scams using resterant dinners menus frauding my documents as menus Fraud scams as banking business permits and shopping malls and radio and media and Media scripts and songs Fraud scams using auto stores and medical clincs Fraud scams frauding as doctors and dentists Fraud scams using Brand advertising and marketing Frauding my documents as business permits as factorys Frauding scams frauding my documents as building permits and court building and legal business permits Frauding scams frauding my documents as others boats and boat marina Fraud scams using my documents as politican listings Fraud scams frauding my documents as mass transportation Fraud scams frauding my documents as school and college and universities and teaching staff and books and book credits Fraud scams frauding my documents as insurance company workers and insurance company name 's Frauding scams frauding my documents as reality company workers and business Fraud scams frauding my documents fraud scams as construction business permits scams listed Fraud scams frauding my documents as semi trucks companies and CDLs business permits scams Fraud scams frauding my documents as colleges building permits sinage Fraud scams frauding my documents as judges and attorneys and lawyers and law partners Fraud scams frauding my documents as train and travel related business naming scams Fraud scams frauding my documents as herds IDs scams and using other kids Fraud scams using my documents as herds of investment reps and investment business permits name Fraud scams using faa related frauding scams Fraud scams frauding my documents as police and sherrifs Fraud scams frauding my documents as herds IDs and herds business permits Frauding my documents as XXXX and XXXX other XXXX or XXXX IDs I am not willing to accept over 65 percent of XXXX using my documents, federal block don't ask me out, federal not interested in certain states, federal.. I won't ever consider marrying in to any family from blocked states,. All XXXX XXXX town inculded. The XXXX plus Wisconsin state making 6 fraud my documents as herds scams and business and sinage and land development and don't comply..they also move in others states business and don't hire as all those states also frauded me documents. Others created retailers sounds and landdelopments using my documents frauding using XXXX XXXX XXXX of XXXX XXXX Indiana as herds of XXXX business permits and herds of XXXX XXXX Fraud scams using my XXXX and XXXX and XXXX documents as land delopments Ideas and IDs scams and business Fraud scams using over 179 locations of retailers XXXX XXXX and XXXX XXXX reaction and XXXX XXXX XXXX scams using auto stores.. Fraud scams using radio. Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using theater groups Fraud scams using submission sinage and apartment building permits and apartment building owners Fraud scams using racing and auto workers and auto fiance personal and auto repair frauding my documents Fraud scams using festivals Fraud scams using using casino advertising and hotel advertising Frauding scams frauding using adult entertainment herds frauding using XXXX off my XXXX birth certificate Fraud scams frauding my birth certificate long form of XXXX XXXX XXXX of XXXX XXXX Indiana as auto stores and sinage and banking permits and herds of IDs scams Frauding scams using XXXX rain bank Frauding scams using XXXX XXXX bank Fraud scams using IRS retailers. Frauding scams using herds of XXXX XXXX and XXXX business permits and XXXX XXXX off my XXXX XXXX XXXX XXXX documents and XXXX base Federal not interested in my documents as familys to date or move to, count me out as a customer and there federal not authorized like that anymore. 16 counties of Michigan State and Florida State and Nevada state frauded my documents as herds of frauding scams others familys and business permits scams. Federal not authorized. Federal not interested in Florida frauding my documents in all 16 counties. Fraud azorina scams to and using sinage but all 50 states pulled that frauding my documents. Federal not interested in Nevada frauding my documents in all 16 counties no one from my family 's is married into Nevada, federal not interested. Federal not interested in being squcked out or sauacked out town's.. Others frauded my XXXX Indiana as IDs and business and travel buses Other frauded XXXX Indiana as IDs. Others frauded XXXX Indiana as others states business Other frauded XXXX Indiana as IDs Fraud scams using Indiana school documents as IDs scams and counter business permits by others states Frauding scams frauding my whole documents stack in XXXX and XXXX and as towns and retailers Frauding my documents in XXXX and XXXX light business permits scams and light XXXXDs scams in those two counties.
12/01/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75040	Web
Dear Sir or Madam, 1. BNK OF TEXAS Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with BNK OF TEXAS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/26/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	NY 121XX	Web	Servicemember
I got the initial closing cost documents from Homedirect Mortgage on Friday XX/XX/2018 to finalize paper for a closing on Monday XX/XX/XXXX. The documents stated that I would be receiving a credit for {$250.00} ( which wasn't a surprise because the lender 's credit was for around $ 3-4,000 ). Late Friday the lender ( XXXX XXXX MLIS # XXXX ) told me that they were missing " crucial '' paperwork from the seller. My real estate agent asked what they needed and informed the lender she sent the " missing '' paperwork over a week ago. Once that got squared away the lender finally set a closing date. I reached out to my lawyer 's office to confirm the closing date and they told me the lender never reached out to them to set one up. After begging my lawyer to make some time for me ( because I was traveling back and forth from a different state and I would only be in town for a few days ) he agreed. I went back and forth with the lender and lawyer to confirm a time ( which I should not have had to do because the lender had my lawyer 's email ). The closing was set for Tuesday XX/XX/2018 at XXXX XXXX. At around XXXXtime, Tuesday I called my lawyers office to confirm closing was set for XXXX. They informed me they haven't received any paperwork or notice from the bank. I called my lender ( did not pick up ) and left a voice message to make sure everything was okay. Around XXXX XXXX I emailed him and his associate to see what was going on..no reply. I tried calling again and again because it was XXXX and no one heard a thing from the lender or the institution. Finally at XXXX the lender sent in the closing paperwork. My lawyer and I sat down and went over the closing figures and at the very bottom he told me I need a check for {$4100.00} and change. I told him there must be a mistake because the initial closing cost documents I signed that past weekend said I would be getting a credit of {$250.00}. He told me to reach out to my lender while he checked his numbers. I tried calling my lender on his office number, cellphone number and email with no response. I went back into my lawyer 's office and explained to him I couldn't get ahold of my lender while the lawyer confirmed his numbers were accurate. I felt hopeless and wasn't sure what to do at XXXX XXXX when my lawyer did me a favor by squeezing me in. My realtor called the lender from her cellphone and he immediately picked up. My lawyer on my behalf spoke with the lender explaining to him that the situation and questioning why his documents that weekend before said I would be getting back {$250.00} and then being blind sided with a {$4100.00} ( and change ) closing cost bill. My lender had no explanation ( even though I emailed him and called his hours ago asking the same thing ). My lawyer then asked to see the documents I signed ( the initial closing costs estimates ) which my lender said he couldn't find. Then my lawyer said that I would need to get an extension on my loan rate to the end of the month when I would be able to come up with the closing cost money from my pay check. My lawyer requested on the phone that the bank waive the extension fee due to my lender not properly preparing me for my closing ( which the lender agreed to ). I was able to get the money by XX/XX/XXXX for my closing costs. I even added a few hundred dollars at my lawyers request for " cushion '' just in case. When I showed up for my second closing the lender was again late with the paperwork and this time I owed another {$500.00} on top of the extra {$300.00} I threw in. This time I was sure the lawyer was wrong on the numbers. The lawyer explained that the bank did in fact charge me {$550.00} for the rate extension and the builder who was selling me the house was trying to charge me an additional {$400.00} because we were 4 days past our closing date, but the lawyer talked them down to {$200.00} explaining that the bank messed up. Once I heard that I told the lawyer I was under the impression that the bank was waiving the fee due to their negligence. My lawyer wasn't sure why I was being charged it, and agreed to call my lender with me. I tried calling XXXX 's cell and work phone and no answer. My lawyer called him from a land line and XXXX picked up on the second ring. After about a 30 min shouting match with insults and slurs thrown at my lawyer with blame being shifted from everyone ( myself as the buyer who got all my paperwork in 2 weeks prior to closing, my realtor who got all her paperwork the same time I did, and lastly my lawyer who got all his paperwork in a week prior to closing ) BUT the lender. I finally had to chimed in to express my disapproval to XXXX about how he failed me as a loan officer. He failed to properly guide me through the paperwork, he dodged my phone calls and emails and now not only acting unprofessionally but insulting my lawyer who is suppose to be working with the lender to figure out a solution, not be part of the problem. I asked XXXX why he wasn't willing to waive the fee ( even though a few days ago he agree to ) and he stated simply that my lawyer was charging me too much for his services and to speak to him. That of course caused for insults to be thrown and another 15 minutes wasted of them going back and forth. I told my lawyer that we can pursue this matter at a later date, but I wanted to wrap up closing ( the seller 's agent then arrived to close ) and start what was suppose to be a happy chapter of my life. Fast forward a few weeks and I now have to deal with major renovations to my BRAND NEW HOUSE due to the negligence of the inspector the lender hired to appraise my home. The inspector missed 4 bowed walls in a newly constructed residential house, exposed sheet rock at the base of the stairwell, crooked entry way moldings and a lot of small things that I understand could be easily missed ( and if it were not for the major things I could overlook everything ), but I had to pay the inspector {$500.00} for what, a job he or she didn't do but charged me for? Unacceptable.
01/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80234	Web
Dear Sir or Madam, I have requested and received a loan modification offer from my bank, BOKF, while my loan was in forbearance due to Covid19. I rejected this offer in XX/XX/XXXX because I did not believe the terms were in my best interest. In fact, I believe the bank structured the terms in a way that the bank would benefit and not me. On XX/XX/XXXX, I received a phone call from XXXX at BOKF and she told me I must either accept the offer or bring my loan current. And a day later, on XX/XX/XXXX I received another phone call from XXXX pressuring me to accept the offer or bring the loan current. I told both of them at the time that I reject the offer because of the unfavorable terms. I asked for a better deal and was told by both that was not a possibility and the only options that are available to me is either to accept the offer or bring the loan current. Therefore, I agreed to bring the loan current. Please note that neither one of them told me at the time, bringing the loan current would disqualify me from getting a more favorable terms on another loan modification offer. I was so frustrated with their deceptive and pressure tactics I decided to file a complaint with the CFPB on XX/XX/XXXX. Case # XXXX. Please reference this case when investigating this complaint. Please note that they knew all along that I was sending them a payment to bring my account current, because they asked for it, the payment. And no one at this institution had the decency to inform me that sending a payment would eliminate my chances for a favorable loan modification. I believe that BOKF had no intention of really modifying my loan knowing that bringing my loan current would disqualify me. I wrote them at least three times in XXXX of XXXX telling them that I will be sending them a payment. And no one, no one ever advised me that would eliminate my chances of receiving a loan modification. Moreover, when I spoke to my relationship manager XXXX XXXX, he assured me that no negative information was reported to the credit bureaus. But my credit score tells a different story. Please see attachments. I believe as a result of my original CFPB complaint, I received a more favorable loan modification offer from BOKF dated XX/XX/XXXX. I accepted this offer, and I was making arrangements to start paying my mortgage payment on XX/XX/XXXX, as agreed. And then all of the sudden, on XX/XX/XXXX, I receive a phone call from XXXX the one I spoke with on XX/XX/XXXX, who was pressuring me to bring my account current or else- telling me the Bank is withdrawing the offer because my account is now current. They forced me to bring my account current and now they are saying I dont qualify for a loan modification because my account is current.! I am being penalized for following their instructions. And not only did they withdraw the offer, but they also reported my account to XXXX which lowered my credit score from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. The irony here is that they reported my account as modified and under partial payment agreement, an agreement that-according to BOKF- is not available to me anymore and is now null and void! And the fact that my account is showing under a partial payment agreement destroyed my credit. And now I am being told that this negative information is going to stay on my credit report for seven years. I have always maintained a perfect credit rating as can be seen from my credit history and I demand that BOKF restore my perfect credit ratings as soon as possible. I dont know if it was the incompetence of the employees at this institution, or it was an act of retaliation to my original complaint to the CFPB that caused all of these problems for me, but Either way, I want this fixed. Under the Covid19 federal forbearance guidelines, banks are not allowed to report negative information to the credit bureaus. And therefore, BOKF must restore my credit to the way it was before they ruined it. In addition, BOKF must honor the second loan modification offer they presented to me. The offer that I already accepted. The offer that destroyed my credit even though it was not given to me.! I did not cause any of the issues that prevented me from getting the loan modification that we both agreed on, but rather it was the bank employees ignorance, manipulation and deceptive tactics that caused the problems and not me. The bank should take responsibility and do the right thing by remedying this situation. Currently, instead of loan modification, BOKF wants me to enter into a loss mitigation agreement. Enclosures : will be attached to the CFPB complaint. Sincerely,
05/20/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with fees or penalties	ID 83647	Web	Servicemember
I believe the letter ( copied and pasted below ) sent to the CEO of the Bank of Albuquerque will provide all necessary details. The Bank could never produce any disclosure but insists they were provided. Please contact me in the event you need additional details. I have attempted to resolve this with the bank all the way up to the CEO and was unable to resolve. I offered to open a 18 month CD with a balance of {$30000.00} in return for a waiver of the non-disclosed fee but yet they still refused. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, New Mexico XXXX I am writing this letter to request your assistance with an issue I have been attempting to resolve with the Bank of Albuquerque. This process began XX/XX/XXXX. In XXXX I re-located my family to XXXX XXXX after I took a position as the XXXX XXXX XXXX in XXXX, New Mexico. On XX/XX/XXXX I open a traditional Individual Retirement ( IRA ) Account at the Bank of Albuquerque XXXX located at XXXX XXXX XXXX in XXXX, New Mexico. At that time, I was introduced to a young lady who signed as custodian of the IRA. I do not recall the young ladys name but she had assisted me with many transactions and accounts during my tenure in XXXX. My family maintained a savings account for my young daughter at the XXXX branch and a checking account that remains open to this date. In XXXX, XXXX I took a position in XXXX XXXX and relocated my family to the State of Idaho. As we worked through the relocation process, we began to close bank accounts previously held in the State of New Mexico. I attempted to call the young lady that was of great assistance to me at the XXXX XXXX Bank of Albuquerque location only to learn that the XXXX XXXX branch had permanently closed. Upon review of the documents I received the day I opened the IRA I noted that I did not receive a business card from the young lady on the day the account was opened. I attempted to retrieve the young ladys name from the IRA documents that she signed ; however, the signature is not legible and there is no name printed below her signature on any of the documents. Due to the fact that I had no contact at the bank to inquire regarding the transfer of the IRA to the State of Idaho I made the decision to forfeit the interest and move the IRA to a credit union in Idaho. I opened an IRA in Idaho at the XXXX XXXX XXXX XXXX and signed a form, provided by the Idaho based XXXX XXXX and the form was mailed to the Bank of Albuquerque. When the transfer request was received at the Bank of Albuquerque no attempt to contact me to make me aware of penalties was made. When the funds were ultimately transferred to the XXXX XXXX XXXX XXXX, there was a shortage of over XXXX XXXX dollars ( {$800.00} ) from the account. When I contacted the Bank of Albuquerque I learned, to my surprise, that not only the interest was forfeited, but the Bank of Albuquerque had withheld a 3 percent early withdrawal penalty from the transfer. Upon review of the documents I was given the day I opened the account there is no mention of a 3 percent fee for closing the account prior to the maturation date of the CD. The notice ( s ) of renewal does not mention a 3 percent fee. I have worked through the Bank of Albuquerque complaint process up the chain of command to no avail. I offered to open a new certificate of Deposit account in the amount of {$30000.00} for up to 18 months if the 3 % fee is waived. I was told this is not possible. I find it difficult to believe the Bank of Albuquerque would rather retain the {$800.00} fee rather than come to an equitable solution to this problem. I have never in my experience felt that the Bank of Albuquerque cares more about collecting fees than it does taking care of their customers. I am writing to formally request that this XXXX percent fee for closing the account prior to the certificate of deposit maturation date be waived. Please return the 3 percent fee to my Select Checking account that remains open with the Bank of Albuquerque. If necessary, I am willing to return the funds to the Bank of Albuquerque. I believe this is an equitable solution to solving the issue. I would like to resolve this issue internally and not involve the FTC and other regulating authorities or the XXXX XXXX XXXX. As a valued customer of the Bank of Albuquerque I am sure you would prefer this be handled internally. I believe customer service should take precedence over the collection of fees. XXXX XXXX XXXX
02/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 73162	Web
I applied and recieved a loan modification back in XXXX XXXX with the Bank of Oklahoma, i was instructed to pay my Mortgage payment of {$810.00}, I made the payments but after one month I begin to received 2-4 calls per day from their collection department saying that I 'm late and behind on my payments. I 'd tell them that I am not late, then send in my proof of cancelled checks to verify as my proof. They 'd call me at work and harass me until early in XXXX when I told them to stop. I 'd get notices on my door to call every week. Finally in XX/XX/XXXX, I called and they finally told me that they had made a mistake in not putting all of my payments to the back of my loan. My income went down in XXXX due to an unresolved employment issue and I had problems with paying my loan beginning in XXXX of XXXX. Every month before this happened I 'd get a " Request for Help '' packet which I filled out and each time I was denied assistance for help, income to low, payments have to be caught up before we can offer you assistance!? I would call the XXXX XXXX, the Customer Relations Manager, but he 'd block my phone number or the phone would loop and bring me back to the same page : put in your account number and phone, then it would re-loop and I never could get to talk to anyone for help, instead they 'd have the collection agency call with another hard collection call.This went on for months. Afterwards they 'd send me a XXXX XXXX to fill out concerning the service at the BOK, I got one today also. Each time I fill out the survey someone would call me from somewhere within their banking operations who did n't know anything about my loan but would take my complaint down and I 'd never hear from them again. The last time I filled out the XXXX questions, they sent the information over to my home bank ; finally I asked who was she!? She said the Branch Manager at a location close to where I lived, so I asked her if she knew what I was talking about and she had no Idea, but said she 'd take my information down and pass it on. this was just another example of getting the run-a-round. I went 5 months without being making a payment and tried to seek help for a temporary forbearance in month two, filled out the paperwork and was denied on something different than what I had applied. I finally called them and was pretty straightforward with them concerning how I was being treated. I told them that everytime I called I 'd get a different person who told me different information about my cry for help. In XXXX of XXXX, I lost my job and they filed Foreclosure. Fortunately, I had a XXXX account where I paid off my back payments and saved my home, I think here it is in XXXX and I 'm still getting offers in the mail saying my home is in foreclosure!? Once Again, I applied for a temporary forbearance for 3-6 months until I get a job, but was ; denied assistance again on the forbearance ; Type I forbearance was un-evaluated and Type II was non-approved because my account was n't past due!? They told me that the decision would be made by the XXXX of XXXX, XXXX. I received the decision letter dated XXXX XXXX, XXXX, but was posted marked XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and It gave me until XXXX XXXX, XXXX to Respond or it will not be considered.. In the application for assistance, unemployment forbearance was listed as an option to assist the borrower until they can get back on financial ground. I believe BOK Mortgage has used unlawful collection techniques in an effort to take my home back, denied me assistance because of my race, speaking up for my rights, overcharged in foreclosure cost ( they reimbursed me {$1300.00}, I paid {$8800.00} of my XXXX plan proceeds to save my home, and denied fair treatment and consideration according the the options listed in protecting your home from foreclosure and mistreated a XXXX
05/21/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76107	Web
Mortgage collection company, XXXX XXXX XXXX, got involved with my mortgage from the XXXX XXXX XXXX three years ago, when I had only one payment that was returned. I remedied the situation immediately. But from that point, the mortgage servicing company, a collection agency, insisted that I could only pay my mortgage via cash money order. Up until that point I had a perfect record paying my mortgage on time, every month. And after that point in time, I also had a perfect record paying my mortgage on time, every month. Two years later I was alerted that my account was missing a payment. That was not the case. I had paid every payment to the company. For two years no one alerted me that there was a problem with one of the payments. It took me over 6 months of repeated phone calls to the mortgage servicing agency for someone to finally get in touch with me and tell me that they realized there was a missing payment from several years ago. I told them they needed to prove which month it was. That took several more months. When they finally got back to me and told me which payment was missing, we argued because I obviously had a perfect record of paying my mortgage. They insisted that unless I could provide them a receipt for the money order from two and a half years ago, they would not credit my account. The problem is that money orders can be cashed by anyone holding the money order. My speculation is that someone took the payment, because I even had Bank record showing when I had taken the money out to purchase the money order. But because I did not have a receipt for the money order, seeing as how most people don't keep every receipt for several years, the company still never would credit the payment. That was the first problem. Next, I went through a divorce and lost my business which caused me to get a few payments behind on the house after my wife moved out. I have worked diligently with XXXX XXXX XXXX, to fill out their paperwork for loan modification so that I can save my home. They sent me a package of information which I promptly filled out and returned. They thent told me that they needed a significant amount of additional information. I provided all that information and even had them on the phone going over a detailed list of what I was submitting. The representative told me that that was the complete package of information they needed, so I sent it on to the company. They allegedly called me back twice to tell me that once again they needed more information. But no information was left for me on a voicemail. Furthermore I had repeatedly told them that my contact preference was email because of my work hours and the way they prevent me from talking on the phone during the day. Still to this day, they have not emailed me but rather called each time. This alone causes a serious communication issue, preventing me from being able to actually work on my mortgage and save my home. After that point, they canceled my home modification request and moved my home into foreclosure status. I contacted them once again to find out why there was such an issue. They told me they could begin the process again but would not halt my foreclosure proceedings until I had returned all of the information to them yet again. The package of information never arrived, and they suggested it must have gotten " lost in the mail. '' I asked them to email it to me and they refused. They said they would only send it via postal delivery. So I asked them to send the information again. I have now once again reached the standard waiting period and have once again never received the packet. I feel they are intentionally making it impossible to save my home, no matter how hard I work. These practices are blatantly predatory. And I feel I'm out of options for dealing with them and in fear of losing my house.
06/13/2017	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX XXXXX	Web	Servicemember
On XXXX/XXXX/XXXX @ XXXX XXXX, I went to Bank of Texas on XXXX XXXX -XXXX , TX XXXX to withdraw the {$600.00} bonus pay that was deposited onto my card by XXXX XXXX XXXX ( XXXX employer ). The Bank of Texas is one of XXXX 's XXXX XXXX Surcharge Free ATM 's that we were advised we could use. I inserted the card, input my code, requested the {$600.00}, the ATM made noise as if it was going to open up, but it never did. A receipt was dispensed showing a withdrawal of {$600.00} that I never received. I tried using the card once more, thinking there must be some kind of mistake, and of course I get a receipt out of the ATM stating I had insufficient funds, I checked my account online to see if the money was debited out of my account, and it was. I thought I would use another debit card to see if the missing money would come out, I requested {$20.00} and only the {$20.00} came out. No other funds were dispensed. I saw there was one teller working, so I went into a lane so I could speak with him. I told the teller of the incident that took place, and he told me I would need to contact the Banks ATM dispute department in which he gave me a telephone number of : XXXX. I then called the number, and spoke with XXXX XXXX who said she was a manager. Once XXXX found out I was not a Bank of Texas account holder, she told me I would have to call the telephone number on the back of my card ( she informed me that she could not help me ). I was told my card services department would have to file a dispute in order for me to get my money returned. I told her she needs to call the company that services the ATM and have them come out there, she said that was impossible. She said she would remotely have that ATM shut down, of course that did not happen. I was immediately upset, this was XXXX XXXX weekend, and I was out of {$600.00} with no one to provide me with a quick resolution. I noticed that while I was sitting by the ATM, I could hear someone in the back of the machine like they were taking money out of it, that was very suspicious me. This ATM is one that is attached to the building, it is not a standalone ATM. I did call the police, they came out and told me that this was a civil matter, and I would have to file a civil lawsuit. I also contacted XXXX XXXX XXXX @ XXXX in which they told me that the charge was pending, and I would have to wait 3 days before I could file a dispute because most transactions as such are credited back to the card. I waited the 3 allotted days and called card services again, so they could file the dispute, and they did and I filled out and signed all necessary paperwork then sent it back via email. On Tuesday, XXXX XXXX, I went back to the bank to speak with the Manager there and she said the same thing the rep at XXXX XXXX XXXX said, that the process should take no more than 3 days. She told me that they are unable to touch the ATM, and the process has to go through the necessary channels. She said it would be impossible for an employee to access those funds internally because that is something that they are not suppose to do. Maybe they are not suppose to do it, but I believe someone did it from the inside. I know what I heard, I heard someone in the back of that machine while I was sitting in my car by the ATM. This is very insane for a person to be out of such a significant amount of money for such a long time, I have researched my rights and I am well aware of my entitlements. I need a Federal investigation into this matter, because no person should have to wait 30, 40, 50, 60, or even 90 days to get what is theirs. Respectfully, XXXX ' XXXX, XXXX XXXX ( Phone ) XXXX ( Fax ) Address : XXXX XXXX XXXX - XXXX, TX XXXX
07/26/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OK 730XX	Web
In XXXX XXXX, my wife and I were refinancing our mortgage. As part of that refinance, our home was appraised. The appraisal came back significantly less than we expected. The appraiser 's judgement on value, when compared to comps, seemed grossly miscalculated ( our home was significantly undervalued ). I contacted our loan officer at Bank of Oklahoma and voiced our concern. The value of the appraisal would result in us having to pay PMI for 18 months. Our loan officer said, despite very legitimate concerns, that the bank could do nothing ( and was not allowed to contact the appraisal in any way ), and that they would have to use the appraisal. Our loan officer, XXXX XXXX, advised us that the only thing we could do was contact the appraiser ourselves, explain our concerns, and ask him ( XXXX XXXX XXXX ) to reconsider. I did contact XXXX XXXX, but he was highly uncooperative. Consequently, we had to use the appraisal for our refinance. On the day of closing, XXXX XXXX, XXXX, in reviewing the closing documents and appraisal after we signed the loan documents, I found a blatant factual error in the appraisal. For some reason, the appraiser had not used our property 's legal description in his appraisal. As a result, he listed our property as smaller than it actually is. So at this point, we not only had legitimate concerns over the appraiser 's valuation, but we found factual errors in his appraisal. We immediately brought the new findings to the attention of the bank. XXXX XXXX and Bank of Oklahoma did nothing. We then filed a complaint with the Oklahoma Real Estate Appraiser Board of the Oklahoma Insurance Department. After investigating the matter and holding hearings over a 12-month period, the Board agreed with every complaint we filed - both factual errors in the the appraisal and the appraiser 's grossly miscalculated valuation. The Board agreed that our property had been undervalued. The Board levied fines totaling nearly {$6000.00} on XXXX XXXX and required him to attend 30 hours of appraiser training. By that time, XXXX XXXX had apparently let his appraiser license lapse. There was no recourse for us, despite us having to pay nearly {$3000.00} in PMI that the Board insinuated we likely should not have needed pay. XXXX XXXX appears to have no assets, and we therefore, can not collect any damages. Additionally, prior to that ruling by the Board, we had obtained a home equity loan from Bank of Oklahoma in XXXX XXXX. The bank stated that, because of certain time limit requirements, they had to use that same appraisal for the home equity loan, even though Bank of Oklahoma had the information to reasonably suspect the appraisal was factually inaccurate. Consequently, because of the likely severe undervaluation of our property, we were required to take a higher interest rate, which will cost of thousands of dollars over the course of the loan payment schedule. To our knowledge, Bank of Oklahoma never reported the actions of the appraisal to the appropriate government agencies, despite being informed of actual factual errors in the appraisal. It 's my understanding that the Truth in Lending Act requires banks to report such information. It 's also my understanding in that same Act that the bank could have requested further clarifying information from XXXX XXXX when concerns about the appraisal were raised. However, the bank claimed it could not contact the appraisal, and that they, nor I, could request a second appraisal. Therefore, we had no option of even correcting a faulty appraisal.
09/18/2018	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	OK 741XX	Web	Older American
MY NAME IS XXXX XXXX, I AM XXXX XXXX XXXX MAN ON SOCIAL SECUITY. ABOUT A MONTH AGO I DECIDED TO OPEN AN ACCOUNT WITH THE BANK OF OKLAHOMA. DURING THE OPENING THE ACCOUNT I WAS ASKED IF THEIR WOULD BE ANY BANK WIRE TRANSFERS INTO MY ACCOUNT INTERNATIONALY AND I TOLD HER YES AND GAVE HER THE NAME OF THE COUNTRY. I AM WAITING ON A INHERITANCE AND I MENTIONED THIS TO THE LADY AT THE BANK OF OKLAHOMA AND SHE DID NOT THINK OF ANY THING MORE BUT WAS HAPPY TO FINNISH OPENING MY ACCOUNT. LATER AFTER BEING WITH THE BANK ABOUT 2 WEEKS I RECEIVED A CALL FROM XXXX XXXX ONE OF THE PEOPLE WHO MAKE DECISIONS REGARDING FRAUD MATTERS. HE TOLD ME TO GO OVER TO THE BANK AND HAVE THEM CHANGE MY ACCOUNT FOR HE THINKS IT IS A SCAM! AND I TOLD HIM THAT THE WIRE COMING IN IS REAL AND WHY DO I HAVE TO GO THROUGH CHANGING MY ACCOUNT FOR IT WILL COST ME MORE ATTORNEY FEES AND SLOW DOWN FOR THE COMPLETION OF MY INHERITANCE! AFTER I LEFT A MESSAGE ON HIS PHONE I DECIDED TO GO UP TO THE BANK AND CHECK ON IT MYSELF. AFTER I WAS AT THE BANK JUST A LITTLE WHILE I WAS TOLD MY ACCOUNT WAS BEING CLOSED BECAUSE OF FRAUD AND I WAS SHOCKED! THIS MEANS I HAVE TO GO THROUGH FINDING ANOTHER BANK, GOING TO SOCIAL SECURITY AND GIVING THEM THE INFORMATION AGAIN. THE HARDSHIP TO ME AT MY AGE IS NOT EASY, I TRYED TO REASON WITH THE LADY WHO WORKED THEIR BUT SHE WAS IGNORANT REGARDING THIS MATTER. NOW I HAVE BEEN TRYING TO FIND A BANK TO HELP ME RECEIVE MY INHERITANCE FROM XXXX XXXX IN THE XXXX. NO PERSON WAS EVEN WILLING TO HEAR ME OUT AND THEY GO AHEAD AND CALL IT FRAUD WHICH WAS VERY EMBERESSING TO ME FOR I WOULD NEVER DO SUCH A THING OR EVEN THINK ABOUT IT! I TOLD THE LADY WHO WOULD NOT EVEN LISTEN TO ME OF WHAT HELP I NEEDED AND THAT I HAVE BEEN TRYING TO GET MY INHERITANCE AND THE SAME THING HAS HAPPENED TO ME AT XXXX XXXX XXXX OKLAHOMA, WHERE I WAS ABOUT TO FINNISH OFF THE FEES TO RECEIVE MY DOCUMENTS AND TAXES PEOPLE HAVE TO PAY TO RECEIVE A INHERITANCE, IT SLOWED UP EVERYTHING AND I WAS TREATED VERY NASTY AT THE BANK MIDFIRST ALSO. IT SEEMED THEY LOOKED AT MY BANKING AND SAW I HAD OPENED A FEW ACCOUNTS AND HAD THEM CLOSED BECAUSE THEY THINK THEY WERE DEALING WITH A CRAZY WHEN ALL I WAS DOING TRYING TO RECEIVE MY FUNDS FROM THE BANK IN THE XXXX AND IT SEEMED THEY WERE NOT TRUSTING A PERSON WHO LIVED HIS LIFE DOING GOOD AND HELPING PEOPLE. THIS WHOLE MATTER HAS FRUSTRATED ME BECAUSE I DO NOT DO FRAUDLANT THINGS! BUT NOW I AM LEFT WITH HAVING TO GO BACK TO SOCIAL SECUITY AND TELL THEM TO SEND PAPER CHECKS TO ME BECAUSE I CANT FIND A BANK IN XXXX OKLAHOMA TO OPEN UP AN ACCOUNT WITH. ALL THEY DO IS BRAND PEOPLE AND THEY DONT CARE AND I AM BEING LOOKED AT SOME KIND OF CRIMINAL WHICH I AM FAR FROM! XXXX XXXX WAS JUST AS BAD AS THE BANK OF OKLAHOMA, XXXX XXXX XXXX XXXX OKLAHOMA XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OKLAHOMA XXXX. WHAT I WANT TO KNOW IS IF BANKS ARE ALLOWED TO JUST CUT OFF YOUR ACCOUNT AND GIVE NO GRACE PERIOD FOR A OLDER PERSON TO CHANGE ALL THE STUFF REGARDING MY PAYMENTS I RECEIVE FROM SOCIAL SCECUITY, AND DO WE ALL HAVE TO BE BRANDED REGARDING FRAUD THAT HAS REALLY UPSET ME AND HAS CAUSED ME A HARDSHIP AS I ONLY TRY TO GET A INHERITANCE I SHOULD HAVE GOT A YEAR AGO AND BANKS HAVE CAUSED ME THE HUGE DELAY WITH EVERYTHING, PLEASE LET ME KNOW IF THIS IS REALLY FAIR AND WHY AM I BEING TREATED LIKE SOME FOOL? I NEED TO HAVE A ANSWER BECAUSE THIS HAS TROUBLED ME SINCE THEY CLOSED MY ACCOUNT! THANK YOU, REGARDS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX OKLAHOMA XXXX PHONE XXXX XXXX XXXX
02/08/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 77845	Web	Older American, Servicemember
I am 100 % exempt from paying property taxes XXXX due to my VA connection. However, XXXX collecting my monthly payments is out of state and have been charging my escrow account for property taxes all along since my closing XXXX/XXXX/XXXX. The servicing co. has been aware of my exempt status from the very beginning, as I provided them with the CAD letter of my exemption status. However, they have obviously ignored my numerous efforts to get them to conform because they have never once responded to this issue. So far, the total they have charged my escrow is approximately {$1900.00}, until I 'd had enough and stopped paying the monthly billing for taxes this past XXXX XXXX. That got their attention because in my XXXX billing statement they did not bill for taxes. Among other problems they have caused me, I feel certain they have done so deliberately. For example, they never sent me an XXXX XXXX billing statement. After calling them several times telling them to send it, which they never did, I went ahead and sent the full XXXX payment to them on XXXX XXXX, XXXX. The next thing I knew, I received XXXX 's bill 'combined ' with XXXX 's and then, along with XXXX 's bill, which still included property taxes, they also conveniently included a late charge of {$44.00} in XXXX. And to think, I was the XXXX trying to keep things straight and on the level by communicating with them. It is my opinion, they did all of this, plus much more, with hostile malice to confuse me in XXXX of their 'numbers games ' hoping I would follow along. At this point, I characterize them as " PREDATORY. '' I think not being able to fool me over is the reason they have stopped communicating with me almost completely. With my hefty down-payment on my home purchase, I would guess they have foreclosure on their minds. So, now that they have about ten ( 10 ) months of 'EXEMPT TAXES ' belonging to me, amidst other items escrowed on my behalf, they have sent to me an analysis informing me that my escrow has a 'shortage ' (? ). Needless to say, I disagree. Keeping in mind that all of this time things are just getting more and more confusing which is apparently, what they like ... it 's their jobs. They escrowed so excessively at closing that they had to refund a portion in the amount of {$2800.00} ... I 'm sure they did so probably because these limits are a requirement of RESPA. Nevertheless, I have considered and included this refund in my estimated calculations as a layman. Veteran 's property exemptions are 'Law ' in Texas XXXX but the servicing company charged for taxes each month anyway. There was XXXX email that came in late as an actual reponse to information I had requested however, it was the same information I already had which was merely listing my monthly payments. And again, as all the times before, it did not address my exemption of the property taxes they access when they should not have and what they were going to do about refunding the taxes. Basically, I find them out-of-control because they had not been responding appropriately to my efforts to contact and work with them. They just keep sending what they wish trying to keep me confused and make me look bad by ignoring my questions and input. I consider all of their on-going game playing and negativeness to be nothing short of greed and harassment. The way I see it, the only parties entitled to any excess funds like in an escrow are between the parties who sign the subject contract. No other entity should be privy to these funds.
04/13/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 73013	Web
My small business had a checking account in good standing with Bank of Oklahoma ( BOK ) for a very long time that was originally opened in XXXX. This business never had much traction and was barely profitable and I was not able to depend on it fully. Due to a billing error with one of the vendors, the account was overdrafted for a short period of time and BOK began adding overdraft charges to the account. I never received any communication from the bank about this. They claimed to have attempted to send a single letter through physical mail while I had been in the process of a move and I believe that the mail was not properly forwarded. I confirmed that no phone calls were ever attempted and that the mail was not sent using USPS certified mail. Since this online business was largely coasting, I was not checking the bank account very often. I was not aware of the issue until I called asking about why the online account was not working. They said the online account was locked due to the checking account being closed. I was very confused and asked for more information and they said to call their collections department. I called the next day and they said it was a permanent change and I still had pending deposits from my payment processor trying to be processed which I had been notified that were failing. Im very confused as a customer as to why after many years of a mutually beneficial relationship, that the bank would close my account over {$70.00}. Im incredibly disappointed and feel there are some strongly unethical and unfair practices being done by this bank. I had seen billboards with the bank saying they were supporters of small business and this experience has shown me anything but that in the midst of a pandemic and many struggling small business owners just like me. During all of this, I was also going through personal mental health issues and was unemployed as this business income was low and not able to support my family when this happened I was further feeling more dejected and powerless. In order to gain access to my account I was told to pay the collection amount which was {$70.00}, but that they would settle for {$52.00}. I asked for clarification if that balance was from overdraft fees and they said they were not at all. I paid the amount on XX/XX/XXXX. I later tried and was still unable to login and access the online account which was necessary for me to get the bank statements for tax purposes. I then called the bank and thats when they told me that I would not ever be able to access it online again and that I would have to go into a local branch and get copies of statements. I went into the branch on XX/XX/XXXX and asked about how to get copies and they said they thought they could email them to me and would follow up. I received a callback the next day saying that they could only print them and would charge $ XXXX/page. I ended up paying for them since they are critical for my taxes, but it really seems as though they should have provided access since I never had originally received paper statements and they wouldnt allow access to electronic ones so its very anti-consumer. Lastly, I believe that the overdraft options at BOK are not compliant with regulations and are deceptive. There was never any information provided as to how to opt out of overdraft protection as I would have preferred to have the transactions declined and not lost my entire account and I think many other consumers would feel the same way.
12/04/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	NM 87002	Web
Started this process in XX/XX/22, submitting hundreds of pages to them describing the issue and the need of help. This help was recommended by the agent taking the payment because we had fallen behind by were making payments to try to catch up. After jumping through all the hoops of paperwork, finally the packet was " accepted '' and i was told i was not able to make payments during the evaluation process time, i would have to wait till a decision was made. Thinking, ( assuming which I know know was stupid ) that everything was basically on hold so to speak, at the end of thier evaluation which was the end of XXXX was told we were denied and that i needed to come up with 80 % of the entire balance past due and that nothing less than the 80 % of that pay for balance would be accepted. I did try to make the {$4600.00} that i had saved in the account during that time but was told it could not be accepted. I asked why was it denied and they stated because of our rare situation the dti was too high. I did advise at that time that there were other people in the home contributing and would be able to pay the home, but that what we needed was just a way to get back to paying normal one payment a month and to try to put the past due possibly at the bank of the loan, not raising the payments by just needed this help. Our situation had been due to divorce, and covid where at one point I was XXXX XXXX XXXX XXXX XXXX XXXX. They said that being there were more people in the home contributing to do a new packet and resubmit. Which was once again hundreds of pages of documents, signed statements from the mother and girlfriend who are now in the home helping to contribute to this home. And that things would be better but don't have the thousands of dollars to put out to get to be paying the XXXX payment a month again. We needed help and don't want to lose the home. So we resubmitted everything, tedious process, being told oh we didn't get this or that, I would resend it. Oh no that's wrong we need this instead, go get that or this and send. Almost like they are making it hard on purpose and truly don't want to help us, which if that was the case why advise us to do this in the first place when we were making the one payment a month. It's finally accepted and again, in that holding period and then in XXXX I get the letter again saying we are denied. I don't understand why they continue to string us along and make us jump thru hoops pretending to help us when they really have no intention of helping us, and now that amount because of the time taken for the packet and the holding period is now {$14000.00} and will take nothing less. I'm baffled at this because honestly why make us go thru all that again, just to say no. We don't want to lose the house and are trying to come up with the money desperately to be able to keep the home. But i feel like shame on them for deceiving us into thinking there was some help not only once but twice and now we are so in over our head that we can't find out a way out. Like we were baited so what they can take the house back and sell it for more. I have no faith in this company, it has been horrible to try to communicate with them, jumping thru all the hoops and putting all my faith into this and for what. I know I'm not the only person who has gone thru hard times and i feel thar the public should know the truth about this company.
07/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73013	Web
In XXXX of 2019, Bank of Oklahoma noted that my escrow account was falling behind due to increased taxes and insurance costs, so they asked me to fill out a new payment form to match the payment amount to the owed amount. I went to the bank, filled out a form agreeing to pay the new amount, and asked the bank representative at the BOK location in XXXX on XXXX XXXX if I would need to cancel my previous payment. Her response was, " No, this payment will automatically replace the old payment ''. I left the bank believing everything was done. Bank of Oklahoma charged both mortgage payments for the next 8 months, resulting in running our account out of funds, which caused payments to not go through, which resulted in overdraft fees and late fees. The allegedly sent letters which we did not receive or open ( they look the same as the statements that we had gotten for the past 9 years I have had a mortgage with them ), but there was no phone call, email, text alert that we had missed a payment until they called threatening foreclosure. As soon as I was notified of the late payment, I immediately made payment in full, but Bank of Oklahoma said it was too late and it had been reported to the credit bureaus. I recognize that there is shared responsibility in this situation and had we monitored our account this could have been avoided, during this time a family member was in XXXX after a XXXX XXXX had complications to remove a XXXX, our son had signs of XXXX according to our pediatrician, there was a death in my family, we found out we were XXXX, and we were in the middle of building a facility for the first time in the business we run that is our livelihood. If we missed a letter, it wasnt because we were ignoring it, it was because we were trying to survive a season of chaos. Customers deserve more than a letter, there needs to be verifiable contact. The process and protocol not involving more direct communication to notify us of such a life-changing thing as a late payment is unacceptable. We were trying to refinance our house, a single late payment knocked my credit score down over 100 points and no bank would consider working with us because we were told a late payment was a black mark. At the time, we had 100x the required amount to pay the mortgage in our business account at that time and all we needed to do was transfer and cover the portion, but BOK did not contact us. In the end we were overcharged {$5800.00} for 8 months of double payments, a mistake that has yet to be remedied. I went back to the bank and they told me to call a number, I went to another location that had a banker that we were trying to do the refinance with at the BOK XXXX XXXX XXXX & XXXX XXXX ), she said it was out of her hands, I talked with the branch manager and he said " we sent you letters '', I called the corporate number for the mortgage department and explained in detail and they did nothing. There are 2 inexcusable mistakes on the part of Bank of Oklahoma ; first, the lack of direct communication and establishing contact prior to trying to foreclose and reporting to credit bureaus, second is the fact that I was told I did not have to cancel my previous payment and it was charged any way. This situation never would have happened if only 1 mortgage charge was drawn from the account as the bank representative confirmed would happen originally.
11/15/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AZ 853XX	Web
On XX/XX/2022 at XXXX a.m. a hacker took control of my cell phone, opened BOK Financial app and as I watched on the screen began taking money out of the personal checking account. The hacker did 1st one for {$0.00} dollars, the second one for {$500.00} dollars and then I disconnected the app and hung up the call from the hacker. I was online on the account watching as this was happening. I immediately called BOKFinancial and spoke with XXXX XXXX. She said it was XXXX and it was instant and the bank can't control XXXX payments. The payment showed it was pending and XXXX stated she would put a freeze on both of my accounts. At the same time I was on the phone I rec 'd 2 emails on BOK Financial letterhead to contact the company ASAP for a XXXX withdrawal. I printed out the 2 emails along with the 1st email rec 'd that morning that started the entire phishing hack and went straight to the bank. I spent 2 hours with XXXX who calmed me down but filed a complaint with the XXXX Fraud dept and closed my accounts minus the amounts in pending status. The rest of the day I spent dealing with all credit card companies, cell phone replacement, and laptop cleaning. All credit cards were canceled with new cards issued. A fraud alert was placed on Credit Bureaus as well. I called or emailed XXXX for the next 4 days awaiting a response from the XXXX Fraud dept. On XX/XX/XXXX I called again and spoke with XXXX about updates and concerns from lack of communication or contact. XXXX opened my accounts and allowed me the ability to access accounts online, not mobile. So far I have access to personal checking only and am awaiting business account access. I was directed to email XXXX again. I did. I received an email from XXXX later in the day ( attached ) that the fraud dept has denied my complaint stating I added the app. I began researching my rights. I did add the app. The BOK Financial app. XXXX is on the XXXX XXXX app in my account located at the bottom of the account page ( mobile only ) in blue. I did not add this feature nor have I heard of XXXX before XX/XX/XXXX. I read about regulation E. I have requested instructions to file regulation XXXX dispute with the bank and they said to put my complaint in writing and send it to the branch I spent 2 hours in on XX/XX/XXXX. BOK Financial claims I authorized this transaction and I did not. I have followed all steps to stop any further withdrawals of my account. Changed phones, had my laptop scrubbed, and now have been told BOK Financial will not do any investigation as I added the app. This is not only wrong. BOK Financial needs to advise customers that adding their app on a mobile device renders any loss of funds if that app is used due to the customer downloading the app. Bank was aware of and saw that the XXXX transaction occurred and was in pending status for hours. Bank could have stopped the transaction entirely. XXXX indicated the emails with the XXXX heading are not from XXXX. It was another part of the phishing scam. XXXX is aware of the scam and has been involved since 3 minutes after it began. The funds should be returned as XXXX had sufficient warning, time, evidence of the scam to stop the payment. XXXX did not stop the payment
11/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 741XX	Web
Around about XX/XX/2020 two accounts checking and savings was acquired through Bank of Oklahoma. In addition, the accounts were opened to transfer money from a job ( XXXX XXXX XXXX ) and to save money for rainy days and invest in future endeavors. On that same very day there was a conversation with Mr. XXXX XXXX a loan officer with the Bank of Oklahoma about squirting a secured credit line for the purpose of establishing a viable credit profile. On XX/XX/2020 a secured credit line was obtained through XXXX XXXX XXXX an affiliate of the Bank of Oklahoma. Nevertheless, attributed to the mishandling of information by the individuals within the Financial Institution private information was utilize to SPEAR PHISH a personal email address for the purpose of defrauding the consumer of building a reputable portfolio. In this email which came ( 17 ) days after opening the secured credit line, the perpetrator disguised himself as a affiliate with XXXX. Furthermore, this person offered an opportunity of making {$750.00} extra for allowing them to use the vehicle for advertisment of their company logo. How ever after excepting the off a check was sent to me from another supposed Financial Institution by the name of XXXX XXXX. {$200.00} was distributed and the other funds where placed on hold to establish funds availability with the other bank. Moreover, after ( 3 ) days funds were distributed to the account holder just to discover a few days later the funds where not available. Nonetheless, after it was discovered the check which was cashed was fraudulent a hold was placed on the account and eventually discontinued. However, the case for closing the account was not determined on a legitimate basis and was therefore terminated on other grounds which did not evidence the consumer was at fault. Arrangements where made with the Bank of Oklahoma to bring the account back into good standing but despite the efforts the account was nonetheless disregarded. Subsequently attributed to the allegations of fraud money 's which where saved in the savings/checking account {$370.00} was not given credit until after notice was given that the account was closed with funds available. Moreover, the Bank of Oklahoma secreted XXXX transfered through direct deposit from the form employer after the account was closed. I assert that what transpired through this transaction with the financial institution was a travesty of good business on the part of the financial institution having access to private information. The transaction which accord was strategically done to stop the advancement of a noteworthy credit file. Moreover the consumer was targeted by the financial institution due to race and or the XXXX of skin. Furthermore, the actions evidence that information being shared is responsible for the deception of a financial institution held to a higher standard than its constituents. It is believed that the actions were taken to the deprived the consumer of his right to Fair Credit Reporting Act and utilize to deframe and slander the reputation of the consumer.
12/22/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 76063	Web
On XX/XX/XXXX, I initiated a payment to a friend using the XXXX system in the amount of {$3000.00}. Minutes later, we decided to use a check instead, so, my friend refunded the {$3000.00} back to me using the same app. The app shows the refund was processed and returned to my bank card instead of the XXXX e-wallet. The problem is the funds were never credited to my bank card account either. On XX/XX/XXXX, I initiated my first support request with XXXX. XXXX with XXXX support responded XX/XX/XXXX by email, asking me to dispute it with my bank. On XX/XX/XXXX XXXX closed my case due to lack of communication. So, on XX/XX/XXXX I contacted my bank ( Bank of Texas ) to initiate a dispute through them. My bank opened a dispute but quickly closed it without further investigation or resolution because the source was XXXX. My bank refused to process a dispute through visa and told me to process my dispute through XXXX. XX/XX/XXXX I reinitiated my dispute with XXXX and began including my bank in the emails so that both XXXX and my bank could see that neither are taking steps to resolve my missing funds. Rather both XXXX and bank of texas keep pointing the finger at each other and telling me to resolve this with the other entity. From that point on, bank of Texas assigned me one point of contact, XXXX. She has at least attempted to resolve this but her hands are tied because of Bank of Texas policies involving disputes with internet transfers using e-wallet services. My complaint with Bank of Texas has to do with their policy to take no action to dispute if an e-wallet service is involved. This policy needs to be looked at and corrected. A dispute should be initiated with VISA no matter what if a consumer is complaining. XXXX on the other hand has grossly mishandled my dispute requests. No single point of contact has been assigned. I've had 5 different contacts with XXXX. XXXX, XXXX, XXXX, XXXX and XXXX. Each one sends one form letter email that repeats the same information of how they're taking over for the previous representative. They've reviewed my request, confirmed with Visa that my funds were returned and that I should dispute with my bank. Each time I respond back telling them my bank representative has been added to the email and I tell them my bank can not move further with their dispute. I ask for the visa proof each representative has cited. However, instead of providing the proof or escalating further, I then get another form reply email from a new XXXX representative that says the same thing the last representative wrote. It's like XXXX has hired robots that can't think or communicate. The only thing they can do is send the same email over and over and over and over and over again. Meanwhile my money is still in limbo. Neither XXXX nor Bank of Texas is able refund it. Please help. I've copied this in order to make 2 identical complaints. One for XXXX and one for Bank of Texas. If you're reading this. Please process it under the appropriate company I've filed the complaint against.
09/03/2015	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	TX 750XX	Web
I applied for a Home Equity Line of Credit through Bank of Texas. I was offered a 3.75 % XXXX Home Equity Line of Credit. After the underwriting department reviewed the loan, the offer changed to 4.25 % for XXXX. The processor and manager stated it was due to my Debt to Income Ratio. I requested to be informed on the calculation which greatly adjusted the terms of the financing and was told it was a proprietary calculation method and could not be disclosed. I have spent one and a half months of my time working with this company to obtain this financing which is greatly delaying the my project. I pulled information from XXXX website on how to calculate income and DTI ratios and have reperformed the calculations to find that my DTI ratio is half what the Bank is stating. Neither the manager or the processor was willing to work with me to correct the situation. They continued to give me reasoning on why it could not be changed. Below is a copy of the email I sent expaining the variances between their calcuation and mine. They refuse to provide me an explanation of the variance. My DTI without the Line of Credit I am applying for is 14.58 %. Well under the 40 % requirement for the offer product. The product originally offered has been altered due to a miscalculation on my DTI ratio. Attached I have provided an Excel worksheet on my income ( Salary, Bonus, Rental ) and DTI calculations with supporting documentation. I am concerned with XXXX things : Underwriting utilized XXXX. Utilizing XXXX different income calculation methods for my Nationstar Income I show this to be approximately {$1300.00} shortMy base pay is XXXX ( ( XXXX XXXX XXXX ) / XXXX ) = XXXX MoI received an Annual Bonus of XXXX ( XXXX ) = XXXXXXXXTotal Nationstar Monthly Income XXXX = XXXX + XXXX = XXXX XXXX + XXXX + XXXX / XXXX = XXXXXXXXUnderwriting is counting the Bank of Texas mortgage in my DTI although net rental income is being utilized which already accounts for this {$1200.00} paymentAttached is XXXX Form XXXX which describes how to calculate rental income and how to adjust DTI based on the resulting calculationUnder " Step XXXX. Determine the qualifying impact using the result of Step XXXX or Step XXXX. '' you will find the statements below which indicate this payment should not be considered or the result should be considered in DTI calculations : If the combined result of Step XXXX or XXXX is positive, add the positive amount to the borrower 's monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income ( DTI ) ratio. If the combined result of Step XXXX or XXXX is negative, include the amount of the loss in the borrower 's monthly expenses when calculating the DTI ratio. Using Method A since I have not provided lease agreements I calculated a ( {$14.00} ) Loss. This is the amount that should be substituted for the {$1200.00} payment amount.
01/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77489	Web
On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?
03/16/2016	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	MO 647XX	Web
During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay
12/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34221	Web
On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.
09/23/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NM 87108	Web
On XX/XX/2022, I made an ATM withdrawal of XXXX XXXXXXXX XXXX and was charged another XXXX XXXX XXXX in fees for a total transaction of XXXX XXXXXXXX XXXX. I approved this transaction and received the XXXX XXXX XXXX in cash from the ATM machine at the XXXX bank in XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. On XX/XX/2022, after returning to my home in XXXX, NM, I discovered that the Bank of Albuquerque had withdrawn XXXX U.S. dollars. The currency conversion was not made and the amount was nearly XXXX times more than I received as the exchange rate is around XXXX XXXX XXXX to XXXX U.S. XXXX I contacted Bank of Albuquerque immediately on XX/XX/2022, about the error and was advised to file a fraud dispute, which I did. This dispute was denied supposedly because I had used my PIN to approve the transaction. However, I had told the XXXX representative from the very beginning that I had completed an ATM transaction using my debit card and PIN. This was never a question of whether my PIN was used. I never said I didn't use my PIN, only that the currency conversion hadn't been done and that my transaction was in XXXXXXXX XXXX not U.S. dollars. I contacted XXXX XXXX at the XXXX XXXX XXXX Bank of Albuquerque location and he said he would escalate the issue. I waited three weeks and there was still no resolution, even after he escalated to his supervisor who never followed up with me, not once. I contacted the Bank of Albuquerque XXXX and after multiple calls and discussions, I was advised that there was no dispute process for this unique issue of failure to perform a currency conversion in an international ATM transaction. Manager XXXX with XXXX told me that my only other option was to file a short dispense dispute in order to get more information from the XXXX bank that owns the ATM. So I approved this second dispute. On XX/XX/2022, I called XXXX to get an update on the second dispute process and was told that this second dispute had also been denied. I was provided a copy of a document from XXXX in XXXX showing that the transaction was as I had said, XXXX XXXX XXXX, plus XXXX XXXXXXXX XXXX in fees. However, because the XXXX banking system uses the dollar sign to indicate XXXXXXXX XXXX, and USD to indicate U.S. dollars, the Bank of Albuquerque staff said that I had received dollars and not XXXX and told me there was nothing that they could do to rectify the situation. I explained this repeatedly to them that XXXX uses the dollar sign to indicate XXXX XXXX, not U.S. dollars, but this information was ignored and I was told there was " nothing else they could do. '' I have been offered 50 % of the money that was withdrawn in error by Bank of Albuquerque, but I have declined because it is still a significantly large amount of money compared to the original transaction
08/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AR XXXXX	Web	Servicemember
XXXX XX/XX/XXXX of XXXX, I called my mortgage holder ( Bank of Oklahoma ) . I was informed I owed approx {$3000.00} towards the loan to make it current ( approx 3 months of payments at {$880.00} + late fees ). I informed them I had already sent {$1800.00} ( 2 months of payments at {$880.00} + late fees ). This check was received and cashed by BOK within 2 days of this call ( on/around XX/XX/XXXX ). My bank confirmed the check cleared and was cashed by BOK. That would mean as of XX/XX/XXXX, I would still owe 1 month of a {$880.00} payment plus late fees. On/around XX/XX/2023, BOK mortgage sent my information to foreclosure/lawyers and stated I owed approx {$5200.00}, that there was Not a payment made on the loan since XX/XX/2023 and the loan was going into foreclosure. I called BOK to dispute the amount due and the timing of the last payment. After providing documentation, and waiting approx 2 weeks as BOK investigated ; I received an email that stated BOK had misapplied my funds to a different account and they were at fault. However, they then stated in that email that the loan " would've gone into foreclosure anyway '' even if they had applied the funds correctly. Their 90 day policy on foreclosure would have been timed so that XXXX was the 3rd month. However, their records indicated I was 6 months behind when foreclosure started because of their accounting error. Since i was concerned this accounting error had occured previously without my knowledge, I requested the last 3 years of payment history to correlate with my bank records. I also requested to speak to someone at a Supervisor level several times due to the nature of the issue and representatives not being fully aware or know how to handle the situation. They would not have a supervisor speak to me or even send an email. When i spoke to the last representative, the supervidor notes were incorrect. It showed BOK returned the {$1800.00} payment " because it was not the full loan reinstatement amount given by the lawyers '' However, at the time of payment in XXXX, there was NO reinstatement amount because tge loan didn't get sent to the lawyers for that reinstatement amount until XXXX. I informed them I could catch the loan up to the current date, but felt I should not have to pay the lawyers fees for reinstatement of the loan. I was told on Friday XX/XX/XXXX that the property had Not been scheduled for sale yet ( due to the issues discussed ) but I received a notice of sale on Mon XX/XX/XXXX that was dated for Mon XX/XX/XXXX. They also attempted to schedule a home inspection for sale without notification even though I have an active complaint open.
12/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 979XX	Web	Older American
We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.
03/02/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 647XX	Web
My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.
11/10/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 91320	Web	Servicemember
XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust. The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.
11/03/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NM XXXXX	Web
On XX/XX/XXXX I opened a youth savings account for my grandson at Bank of Albuquerque in XXXX New Mexico so that social security can deposit his backpack. I also opened a checking account. In the checking account I deposited {$1500.00} to start the account and {$50.00}. to start the savings account. I have never had a problem with either of these accounts. I went into the bank and opened up these accounts with a personal banker. My grandson got his first deposit of three on XX/XX/XXXX and both accounts are and were in excellent standing. I have problems with the FBI IN XXXX NEW MEXICO. I am currently suing XXXX XXXX XXXX for allowing the FBI to illegally search my safety deposit box without a warrant. I expressed this concern to Bank of ALBUQUERQUE. There was weird stuff going on with my account so I called the bank several times and asked them questions about my account. For instance I would have charges clear and then they would be tied up again as if to tie up my available money. The bank said noone has asked them for information and they didn't know anything about the FBI. I have 8 calls recorded that I made to bank of ALBUQUERQUE about this problem. I asked bank of ALBUQUERQUE if they were able to give me a time stamp of all the times a bank official had accessed my account? They said yes and told me to call the legal number. I did and left a message. I didn't hear anymore about it until today XX/XX/XXXX when I received a letter from Bank of Albuquerque it was a Notice of Termination account relationship they stated they're closing my account as of XX/XX/XXXX without a reason as to why. They stated all my money would have to be out of the account by then or they will forward it to me in a check they asked me to stop using my bank card. Told me I was welcome to go to a branch to close it out. I have a problem with this because my grandsons social security goes in the account and I have done nothing but tell the bank I don't want the FBI XXXX illegally accessing my accounts with out proper warrants and documentation. The letter they sent to me makes it look like I have done something illegal and I haven't it also makes other Banks not want to have a banking relationship with me. I believe it's retaliation because they have already let the FBI have access to my accounts without a warrant and to avoid liability and responsibility for it they are making it look like I did something wrong which isn't the case.
09/23/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 88012	Web
I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 4. Communication has been hard. This includes me also. 5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.
04/28/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75080	Web
This probably won't do any good but I am so frustrated with Bank of Texas. XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX that probably won't make it anyway.
03/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75070	Web
Tracking # XXXX XXXX XXXX XXXX Loan # XXXX I suffered roof damage and received a $ XXXX roof check. I was mistakenly under the impression that I could bring the check to a XXXX XXXX XXXX Branch with all my documentation and have the check endorsed to me. That is not the case, they have made this process incredibly difficult and after two weeks of submitting document after document they still haven't sent me the check. If the check was under a designated amount the consumer can walk in with the insurance information and get the check endorsed. But because of the amount they have done everything possible to make the process extremely difficult. I am required to submit 5 documents : -Insurance adjustors worksheet -Signed Bid from contractor -Conditional waiver of lien -XXXX from contractor -mail the endorsed check to the Bank I completed all these steps and followed the exact instructions on their website and they continue to find a new item on everything I submit that is missing. I submitted the signed contract -- it was missing the amount of the job even though I was told to turn in the signed contractors bid -- that had that amount. I resubmitted with the amount then was told the contract is missing is the contractors address -- even though its his contract. I was then told to handwrite the contractors address on the contract or my other choice was for me to sign the contractors bid. This entire process lacks direction and is designed so that the consumer has to spend hours on getting one piece of information at a time. I would expect more pushback from the insurance company versus the mortgage company. I also included an overnight envelope to return the check to me which has disappeared. But all this assumes I will eventually get my check. They have provided a website : insuranceclaimcheck.com to receive documents and I have a record of everything I have sent. Two weeks, 4 lengthy phone calls and 12 documents later I still have no check and no roof. I have no delinquency issues I have never been late on my mortgage. This process is ridiculous and has me searching for a new mortgage company so I do not have to deal with this Bank anymore. Even after all the paperwork is approved I am told it will be 5 business days for them to cut me a new check that will then be placed in regular mail.
06/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 875XX	Web	Older American
I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.
05/15/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 80220	Web
I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.
01/24/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NM 87111	Web
I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.
12/01/2023	Yes	Mortgage USDA mortgage	Closing on a mortgage Closing disclosure or other related disclosures	OK 741XX	Web
I was given an incorrect breakdown of my closing costs by a sales assistant working on my loan. Upon receiving an email with my closing disclosure and cash to close amount, I reached out to the sales assistant that had been helping with final paperwork. When I asked for clarification, I was told that the total cash to close was correct- {$4800.00} and my gift funds from donors ( {$4100.00} ) left the remaining amount of {$770.00} as my responsibility. This was all I needed to bring to closing, along with the 2 separate gift checks totaling that {$4100.00} amount. After signing all documents, the title company informed me that I was {$4000.00} short and would need to bring this money for my transaction to be filed. After showing them what I was told in writing, I attempted to contact the sales assistant that initially told me the {$770.00} amount. Because I was unable to reach her, I contacted the Senior Mortgage Loan Processor who had been coordinating with the underwriter. She told me that the title company was not correct and requested to call me back. I was called back by a woman named Kindy who confirmed what was originally told to me, that I was only responsible for the {$770.00} amount. Then, I heard the Senior Mortgage Loan Processor state that was incorrect and that I did not understand. At the same time, I received a text message from the Sales Manager stating " it looks like it changed to you needing {$870.00}. '' This totals to 4 different people telling me the incorrect amount, all the way up to the day of closing. I was misinformed multiple times by multiple BOK employees and was not told that the gift funds were applied prior to closing and were actually separate from the cash to close amount. This incorrect amount put me in a MUCH less stable financial position as I am going into my first home. My home is in need of minor repairs, new furniture and moving costs that all will be delayed due to this large {$4000.00} difference in closing costs that I was led to believe I was not responsible for. When seeking resolution on my own with the company, I was told that this all happened because I could not understand paperwork, I should have realized something wasn't right and that nothing could be done.
08/22/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	TX 77459	Web	Older American
I am a homeowner in XXXX XXXX XXXX Texas. I am XXXX XXXX XXXX, ( " XXXX '' ), an individual and the property owner I have a Home Equity Line of Credit with an institution that lists itself as " BoKF, NA, dba Bank of Texas ( " BoT '' ). BoT is wrongfully asserting an interest in insuance proceeds. The loan documents convey a right to BoT for what the loan documents designate as " Fire INsurance. '' The Loan Documents were drafted by BoT and BoT insisted on the language controlling the transaction. The documents explicity limit any duty of homeowner ( me! ) to maintain flood insurance if, and only if, the property is in a FEMA designated flood zone. BoT agrees that the property is not located in a FEMA designated flood zone. In XXXX the property suffered flood damage. XXXX maintained a FEMA backed Flood Insurance Policy - seperate and apart from a Homeowner 's ( aka, Fire ) policy. On XX/XX/2021 XXXX XXXX XXXX, managing the FEMA flood program executed two checks to XXXX XXXX and BoT. I informed XXXX/FEMA of the presence of a HELOC on the property in an abundance of caution. Upon receipt of the checks I telephone BoT for instruction on obtaining their dendorsement so I could begin work on the property. Twice I was instructed to bring the checks, the insurance adjuster 's worksheet and my Driver 's License. Twice I appeared at at a BoT branch and both times, the " bankers '' refused to endorse the checks and instead spoke on the phone to a mysterious person called " XXXX ''. I was told that I needed to provide more documents, but upon my demand that every prerequisite BoT insisted I complete be put in writing, I was told BoT would not do that. During a visit to the BoT Branch at XXXX XXXX XXXX XXXX in XXXX Texas, a Ms. XXXX XXXX demanded I endorse the checks ( and refused a BoT endorsement ) and then attempted to have me " deposit '' the checks in a BoT account, with no assurance of repayment or written specifications for BoT to make repaymennt. In short, BoT engaged in fraud, bank fraud, attempted theft by larceny and various misrepresentations. On XX/XX/XXXX, Ms. XXXX accepted my written demand/notice ( as required by the loan documents, to allow BoT to cure its default. BoT did not do so.
05/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60640	Web
On XX/XX/2022, I received two thick envelopes from my mortgage servicer, BOK Financial, informing me that I was in default and had 90 days to cure it or else they would begin foreclosure proceedings. This was the first correspondence I had indicating that anything was wrong with my account. After calling them the following day, I learned that after a single bank overdraft in early XXXX, BOK Financial turned off my automatic mortgage payments and did not inform me of that change. As a result, I was suddenly three months behind on my mortgage payments and thus at risk of foreclosure. BOK Financial insisted that they had mailed me multiple letters and called me several times, but the foreclosure warning envelopes were the first sign that anything was wrong. A person claiming to be from BOK Financial had called me the previous week, but asked to confirm the last four digits of my SSN -- believing it to be a scam, I simply hung up. I find it frustrating and suspicious that BOK Financial claims that they could not get ahold of me for three months and yet was able to deliver a foreclosure warning right on time. Not once did anyone leave a voicemail, send an e-mail, or send a text message. I'm XXXX XXXX XXXX ; I rarely pick up the phone if it's a number I don't recognize, but I'm on e-mail all day, and BOK Financial was able to send me multiple e-mail notifications of secure messages throughout my complaint process after the fact. Even though I immediately paid the past-due mortgage payments plus fees the day after receiving the first notice, the " late payments '' have already shown up as a negative mark on my credit report -- despite the fact that I have never once missed a payment previously in more than seven years of ownership. Aside from waiving a single late fee, BOK Financial claims they can not do anything else to resolve this situation. I cordially request the CFPB 's help in righting this wrong. For reference, I have complained multiple times to BOK Financial via their online portal, submitted disputes with two of the three major credit bureaus, and plan on submitting an additional complaint in writing via mail to BOK Financial.
10/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33556	Web
I refinanced my mortgage with another instituation and this loan was paid off on XX/XX/XXXX. In that process, the escrow with the original lender was to be refunded to me and was identified as due to me on the loan closeout statement from BOK Mortgage in the amount of XXXX. I checked my online account and the loan showed as closed less than a week later and showed the amount to be refunded to me in the system and contact informaiton for me was confirmed as correct and a check was to be mailed. After over a month of not receiving the check I called the company on XX/XX/XXXX and complained and was told I should wait another 10 days to receive a check and I refused and requsted that the check be issued a stop payment and a new check be issued immediately. They agreed and stated it would be mailed and should be received within 10 days. After again not receiving the payment within 10 days, I called on XX/XX/XXXX and was told that the original check was issued a stop payment and a new check was NOT issued. The bank continues to un-lawfully hold my money and earn interest, etc. and appears to actively be aiming to delay issuing my refund for as long as possible! I demanded that a check be issued and over-nighted to me to ensure receipt and was told they would take another 3-5 days to print the check and could not confirm when the refund would be issued or when i would receive it. I was clear with them that I was aware of CFPB Regulation # XXXX that governs the timely distribution of Escrow refunds and that this immediately needs to be resolved. I received a call from a supervisor after hours, and i returned the call but only reach voicemail. Now today, i have placed a second request with general customer service to have a manager call and resolve the issue so a check can be issued and i have not received a call back. Please help! This is a significant amount of money that is important and needed to support my family, during a pandemic no less. Just another example of a major financial institution demonstrating that I am just another number and not important. I hope the CFPB can assist.
06/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74011	Web
Bank of Oklahoma the first thing I let go back on XX/XX/XXXX for a withdraw of {$1300.00} from account XXXX to correct a debt that was my ex husband 's to bank of oklahoma. I went in to open an account they told me no to call a debt collector because I owed money. I called they had no record of me being on the account. I went back in a week later and they said the debt was cleared or they wouldn't have let me open the account. On XXXX they withdrew the funds with no notification after both companies told me they did not have my name on debt owed. I let it go. Now I have another problem because they did not close an old account. I deposited a check to XXXX on XX/XX/XXXX from a XXXX settlement. Following day on XX/XX/XXXX I went into XXXX branch to close the account ending in XXXX & open account XXXX. I transferred {$1900.00} to this account and closed account ending in XXXX. I signed papers to open the new and close the old. The old account has not been showing on my banking app till today XX/XX/XXXX it showed my paycheck from XXXX XXXX deposited but also fixed debt I had no idea about, because the account was supposed to be closed! & then I had to fix the debt on the new account XXXX that I was aware of. Because I have been in the middle of snowballing with bills because of the first initial withdraw XXXX did to take care of my ex husband 's debt back in XXXX of XXXX. They have record of me trying to find out what was going on we were at the broken arrow branch for over XXXX hours to figure things out & they still refused to refund the {$1300.00} even though it was not my debt. & now I have other fees that should of never went through on account ending in XXXX because it was a closed account. I am entitled to {$1600.00} from account XXXX XXXX XXXX XXXX XXXX combined Anything posted on account until XX/XX/XXXX I was aware of & even okayed with XXXX I even went back to the XXXX location and they said they have no record of me signing to close the account ending in XXXX because they no longer require it. I was asking for the copies of the account closure.
06/10/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	FL 33578	Web
I have banked with Bank of Oklahoma for almost 30 years. About 10 years ago I opened a Representative Payee account for my mentally challenged daughter. I have now moved to XXXX from XXXX but my daughter chose to stay in XXXX. I pay all her bills by check or Visa debit card from XXXX. My daughter is capable of living by herself but she has issues with money. Social Security is aware of the situation as I have met with them and they have no issue with it. Last year I had some checks stolen. I called the manager of the branch I always have delt with. I spoke with the manager and he closed the account and opened a new one for me by phone. About 2 months ago I get a call for a new manager at that location. He tells my daughters account is frozen and I cant get to my daughters money to pay her bills. He said the Legal Dept says the account was set up wrong and they need proof of me being her representative payee. I told them that this account had replaced another account but they refused to even check the old account. So I faxed XXXX-XXXX different papers because they kept saying they needed more. Then the manager told me that Legal Dept questioned whether I could take care of my daughter from XXXX. I told them that is not their business. I told them that social security had no problem with it. He kept arguing with me so I was so upset at being treated like this for a long term customer. I told him I have to have access to my daughters money now. I told him to close the account and mail me a check for the monies in the account. I opened an account for her in XXXX. It two weeks to get that money. I am XXXX and on a fixed income. This has caused a hardship for me and my daughter. Ive had to try to pay her bills out of my small fixed income. The stress of all this has made my health issues get really bad. I am also in the process of switching my personal account to another bank and will be closing that account also. I have always felt Bank of Oklahoma had awesome customer service that 's why I stayed with them all these years. But obviously that is not true..
10/13/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	CO 813XX	Web	Servicemember
Hello, I called Bank of Texas where I have an account that has been sitting for many years. I have lived in CO for a few years and decided I needed to close the account a couple of years ago. They told me to send a letter in requesting the account to be closed and they sent me a letter stating my signature did not match the opening signature.. I was not present for the opening of the account as I did it over the phone to open the account. Fast forward to a few years later, I decided I will just register to view my account online and it said the account number does not exist. I have over 25 statements showing my account number ( they have my middle name spelled wrong on the statement ). I verified over the phone my full name, address ( no longer live there ) and my old phone number that was used to open the account which was a land line at the time. She said it was all correct. Then I gave them the account number which is listed on all the statements they mailed to me and they said it was not correct. They then told me I had to come to the location in Texas to hear anything about my account and why it froze in 2019. She also stated they could only text the land line number on the file for verification and that would not work so I had no choice but to travel to another state to find out about my funds. I asked to talk to a manager and she said no I had to come in person. I am very scared at this point as they will not even tell me what happened to my money. It is completely unreasonable to ask someone to fly and spend hundreds of dollars to even speak to someone to find out where my money is. I need to know where my money is and how I can get the money and close the account. They can even transfer it to the original place it came from to open the account. I do not trust this bank at all at this point and need the money put back to the bank it was sent from to open the account. I have attached a copy of one of the statements I have saved in my file cabinet that shows this is the actual bank account number. She was saying that I was wrong. Here is proof.
09/01/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 87121	Web
I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.
11/03/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	AZ 850XX	Web	Older American, Servicemember
My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.
09/07/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 783XX	Web
I XXXX XXXX and XXXX would like to dispute the payment late mark on our credit report for XX/XX/XXXX. This payment was made prior to the end of the month and not sure why you are penalizing us as if we made the payment in XXXX. We are aware that by not making the payment by the XX/XX/XXXX we would be assessed a late fee, but never in our minds would we think that by making the payment before end of month would call for a 30 day late Mark. We would have never been aware of this hitting our report if it wasnt for our new lender to bring it to our attention. We are scheduled to close XX/XX/XXXX and now that this is reflecting, we are in jeopardy of not being able to close or purchase this new home which has proper accommodations on our current handicap accessibility necessity. On XX/XX/XXXX @ XXXX we called in and spoke with customer service representative XXXX @ XXXX and per her review the payment was made in time to not reflect a 30 day late mark. She stated it appeared payment was posted into suspense and never processed for whatever reason. We were advised to send this letter to customer service through email, so that this dispute could be submitted and taken care of in a timely manor that would allow us to still move forward with our scheduled closing. Then we received an email back requested to have letter faxed. Then we followed up on the XXXX and they stated they received letter and that they were sorry, but it needed to be mailed in and could take up to 60 days. I asked to speak with management and was told no one was available and that XXXX XXXX would call me before end of day. Since XX/XX/XXXX I have made several callas and no one is able to speak or handle this matter and the last representative stated that we were misinformed and that there was nothing that could be done. Once again stated would get call from XXXX XXXX and to this day no call has been received. If you have any questions please dont hesitate to reach out to us at XXXX.
08/25/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70809	Web
BANK OF OKLAHOMA doing business as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Tesxas, XXXX ) XXXX ( or XXXX XXXX, XXXX ). XXXX XXXX XXXX has an internal automated payment system for insurance vendors and paid the max flood insurance amount instead of the current insurance amount. They admitted to the error and continue to not be able to resolve the matter. We continue to receive lay payment and foreclosure notices even though we continue to make full payments to them. First they argued they had not made a mistake and then finally admitted to the error. My concern is how many other individuals ' insurance is being overpaid by this vendor and then collected from consumers without their knowledge. By time the consumer learns of their error through annualized escrow analysis it is too late and the insurance company is unwilling to make an adjustment based on XXXX XXXX XXXX 's mistakes. It is concerning that XXXX XXXX XXXX has an automated system and does not keep backups of insurance bills sent to them and by law they are required to review the three flood insurance options and pay the current coverage unless otherwise noted. I believe XXXX XXXX XXXX through neglict of due digiligence and poor customer service is displaying little or no respect for the laws surrounding flood insurance as well as those that protect home owners -- not living up to their side of the mortgage contract. I have spent substantial time on the phone with these individuals and the most recent individual ( XXXX XXXX 's supervisor by the name XXXX ) I spoke with was very accustory seeming to point blame at myself when clearly everyone on her team researched the error and it was multiple times admitted to being their error. Now I believe this has moved beyond " error '' and is 100 % stepping on the rights I have as the home owners and my concern is for others that XXXX XXXX XXXX is servicing and the rather lackluster approach to lawful business services.
10/24/2017	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78240	Web	Servicemember
I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. Please Help!
05/18/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NM XXXXX	Web	Older American
I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.
09/16/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 730XX	Web
On XXXX I called Bank of Oklahoma 's Loss Mitigation department requesting a document to be filled out. The document is necessary to obtain mortgage assistance from my tribe. I was told to fax the document in and it would take 24-48 hours to get it back to me. I waited until XXXX and still hadn't received the document so I called again to check on it. This time I am told that it can take up to 30 days to process, which would significantly hurt my chances of receiving the assistance at all since it's funded on a first come first serve basis. This time I understand I need to be a bit more patient and I wait another week to make a call again ( XXXX ), and I am told that the document needs to be requested from the organization that needs it. This wasn't told to me the 1st time or the 2nd time I called, it seems I get a different answer every time I call so I requested to speak to the supervisor. Bank of Oklahoma states they can't forward me to a supervisor and doesn't give me any chance to resolve this issue. I kindly state to them that they are in violation of Federal Law. Real Estate Settlement Procedures 12 CFR Part 1024 section 1024.36. This law states that mortgage servicers must provide correct info on loans and they need to be ready to respond " promptly '' with requests for information. In addition, written response acknowledgement of information request within 5 days. Bank of Oklahoma has done neither of what is required of them and it has resulted in undue harm to my wife and I. My theory is that this a scheme to foreclose on my wife and I to the benefit of the bank. If foreclosed on, the bank would recover the property ( which has risen in value ), foreclosure fees, and it would allow them to invest that money into a mortgage with a higher interest rate. My wife and I are locked in at 3.25 percent interest and the going rate for mortgages is over 5 percent as of now.
03/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA XXXXX	Web	Older American, Servicemember
I have a group policy with XXXX which covers all the real estate we own. We pay the policy since it covers a number of properties. XXXX service only one of the properties. We forwarded a copy of the declaration with all of the properties listed approximately seven ( 7 ) months back showing the property they service is included and insured. XXXX took it upon themselves to send a check to XXXX of {$3300.00} for the total premium and then initiated another escrow analysis increasing our payment. The premium for the property serviced by XXXX is {$400.00} of the total premium. I returned the check to XXXX and requested that they void this new escrow analysis. They will not address this error but continue to request a payment increase stating I am behind in payments and threatening foreclosure. In addition to not addressing and correcting this error I was given instruction on how to request a waiver of escrow which they granted XX/XX/XXXX. XX/XX/XXXX statement there was {$1600.00} in the escrow account. XX/XX/XXXX escrow balanace was {$5700.00} and XX/XX/XXXX statement escrow {$5900.00}. After agreeing to waive the escrow, our payment was adjusted to {$910.00}. XX/XX/XXXX XXXX began applying our payment {$940.00} as partial payment. Which we never adjusted because we expected the difference to be applied to principal. Thats not happening. After waiving the escrow we was refunded {$960.00} from the escrow account XX/XX/XXXX. What happened to the {$3300.00} returned to XXXX and why am I in the rear on my payments when I am faithfully sending my payment monthly. What happened to the {$5700.00} that was in escrow? I understand {$3300.00} was reapplied to correct the {$3300.00} that was errorously mailed to XXXX - where is the difference? They will not talk about this error but continue that we are behind in payments and we continuously send {$940.00} monthly.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27520	Web	Servicemember
From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.
11/16/2017	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	OK 73162	Web	Servicemember
On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.
01/09/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 786XX	Web	Servicemember
In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. Bank of Texas aka Bank of Oklahoma XXXX
04/04/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NM 875XX	Web	Servicemember
I have taken a loan from Bank of Albuquerque Mortgage as of XX/XX/XXXX for a total of XXXX. I was told after 5 years or 78 percent LTV what ever comes firsts is when i can get this removed. I have requested to remove the PMI on the loan, as I have been paying on this loan for 7 years. I was told that the value would have to go up which with time everything goes up in value. the county appraised my house Value at {$180000.00}. XXXX appraises my house at {$220000.00}. I have not missed a payment the whole time I have owned my house. I have also paid extra payments on to the house towards principal. The current owed amount is {$110000.00} which brings the original loan to value to 86 percent. I have contacted this bank in writing to remove my PMI as I am supposed to do this in writing in XXXX of XXXX. I have also submitted a copy of the property tax information from the county, as well as the appraisal from XXXX. I received a letter back from the bank and they replied saying I can not remove the PMI on the house until XX/XX/XXXX a coincidence that's its exactly 5 years from the day they received my letter to remove PMI. I know the new loans you have to have it for the life of the loan, but I am on the plan to remove the PMI after 5 years or LTV of 78 percent. I don't believe these people are doing this correctly. Also since I originally bought this house. It was 782 Square feet. I have added 120 square feet, and I also put solar on to the house. Tiled the whole inside of the house with heated flooring. Painted and textured all the walls, as well as added a 5 KW Solar panels to the roof of the house. I believe all of these things will increase the value of the house dramatically.
05/29/2015	Yes	Mortgage VA mortgage	Settlement process and costs	AR 72758	Web
I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. These are estimates. Thanks, XXXX
08/14/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	NM 87124	Web
This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either. My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal. I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?
03/05/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 94703	Web
Overview : I am one of four beneficiaries to a family trust. My sister is a beneficiary and co-trustee. BOKF manages the trust and refuses to assist me in providing necessary funds that are seriously needed for living ( housing, food, clothing, medical expenses ). They refuse using the excuse that my sister/co-trustee must approve of it. She doesn't approve of it and has refused since XXXX, 2021 especially. Some money is provided which allows me to stay at a care facility for the XXXX XXXX which is a miserable place to live and I have had increasing problems living there, especially since XXXX, 2021. I am not required to stay there, I am not required to take medications nor do I even have a XXXX. I have been trying to move out of there since XXXX, 2021, and all attempts to do so have failed because my income from my work will not support living elsewhere and my sister will not provide additional funds from the trust to move out to an even minimally comfortable and adequate living situation. The trust is valued at over XXXX XXXX. I believe that with XXXX XXXXXXXX for a few months will be adequate to get my company going enough to provide self-supporting income. My sister has only permitted XXXX XXXXXXXX for rent at the care facility, and XXXX XXXXXXXX for additional spending money. I also receive XXXX XXXXXXXX or thereabouts from XXXX. My sister will not even permit sufficient money for food and clothing costs that has caused much difficulty and problems for the last year especially. The trust knows all about this and refuses to help. I will attach documents and online links to documents and emails with this XXXX complaint.
07/10/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 91604	Web
This complaint regards a BOK Financial checking account, which I opened in mid-XXXX at a XXXX branch of what was then Bank of Arizona. Since then, I have made frequent use of the account for debit-card transactions, ATM withdrawals and international wires. On XX/XX/2020, an attempt to pay a medical bill using my debit card failed, and I noticed subsequently that I was unable to log into my online banking or withdraw funds using an ATM. When I called XXXX XXXX, I was told my account had been " terminated. '' I had not - and, to this day, have not - received any kind of written notice to that effect. When I asked for an explanation, I was told that only the bank 's fraud department would be able to provide details, and that said department was closed. Ultimately, a supervisor told me that I had been labeled a " potential mule '' in internal notes. The supervisor said she did not know on what basis the fraud department was making that accusation. I noted that, particularly in the midst of the current pandemic, there was an urgent need for me to retrieve the {$1300.00} deposited in the account. I was nonchalantly told that I no longer had an account with BOK Financial and that my funds would be returned in the form of a check to my address or file in a time frame that could exceed 10 business days. I asked to be connected to the fraud department and left a detailed voice mail about the aforementioned events, expressing my outrage and having been labeled a " mule '' and asking for an explanation and assistance. My call was never returned, and BOK Financial has not reached out to me in any way.
04/25/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MD 21244	Web
On XX/XX/2019 I contacted XXXX XXXX XXXX, a division of BOKF Financial, cause I couldn't access my account. I signed up for an online account that is available for anyone in the US about 2 months ago, though I live in Maryland. I signed up for an account due to the second chance banking opportunity. After speaking to XXXX in the loss prevention department, I was informed that my account was flagged. I was told that it looks like I applied for my account in a different state than where I had it delivered, I actually didn't and if my IP address was an issue at the beginning, I should of been notified or asked to verify myself then. I figured if that's a flag for fraud, I should of never been able to instantly open an account. I was also told my account balance was also a flag because it was {$17.00} in the negative since Tuesday, XX/XX/XXXX only two days. I actually had funds on the way that took longer than expected which is why I was checking my account and why it was in the negative. I offered to verify whatever I needed to and he asked if I can come into a branch in Texas after I told him I don't live there. Im using online banking, why can I not verify myself online? After hanging up and calling back, I speak with XXXX again and he tells me that they're actually closing my account. I attempted to escalate the call, he wouldn't allow me to. I do not know why I was offered to verify myself when the account was being closed anyway. I did nothing wrong, I committed no fraud, I wasn't allowed to verify myself and they have no right to shut my account down. it was completely unprofessional.
04/18/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NM 87121	Web
My Name is XXXX XXXX XXXX P # XXXX. I have a mortgage loan with XXXX XXXX XXXX in XXXX, NM. Their phone number is XXXX. On or around the first part of XX/XX/XXXX XXXX XXXX XXXX paid an insurance company that I was no longer with {$1100.00}, not to mention paying the insurance company that I am indeed with. This caused a shortage in my escrow account of around {$1100.00}. It also caused my monthly mortgage payment to increase. I was not informed of this issue for almost a year. I continued to pay my regular monthly payment not knowing fees were accruing. In XX/XX/XXXX I had no choice but to pay {$1500.00} which was stated is late fees, shortage fees and who knows what else. I agreed just so this could be over. A manager agreed that there will be no more charges and owing extra charges will no longer happen. I also sent a regular monthly payment of {$870.00}, hopefully my mortgage payment will decrease back to {$820.00}. Today is XX/XX/XXXX, I received a call yesterday stating they did not receive my monthly payment for {$860.00} that I did indeed send. This never ends. How can I get them to stop harassing me for money still to this day? How can I stop owing them so much money. It never ends. No matter how much I pay on time, it seems every year I am paying at least an extra {$1500.00} to them along with every single monthly payment that is never late. Its unfair that I had to pay for their mistake and still being charged money for the damage that it has created. I have been threatened that my credit will be damaged and threatened with foreclosure. I am asking for your help. Please help.
04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ XXXXX	Web	Servicemember
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXXXXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
08/11/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 786XX	Web
I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.
09/23/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 73112	Web	Older American
I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently a battle with XXXX myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising
12/07/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CO 80631	Web
I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks
01/10/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 751XX	Web	Servicemember
I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.
05/10/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 076XX	Web
To whom it may concern, I started to pay my mortgage on XXXX XXXX at the amount of {$3100.00} as monthly payment. For XXXX quarter of XXXX , there was a property tax credit of {$820.00} due to XXXX XXXX XXXX XXXX , so for XXXX quarter of XXXX , property tax was {$1700.00} instead of {$2500.00}. At that time I contacted the mortgage lender and they reduced my monthly payment from {$3100.00} to {$2900.00}. That adjustment should last only for 3 months, but they made a mistake and continued to until XXXX XXXX . Now they increased monthly payment to {$3500.00} starting from XXXX / XXXX / XXXX which I ca n't keep up with. I contacted them many times to resolve this matter, but the vibe I got is they want to rip me off. I bought this property on XXXX / XXXX / XXXX , so the XXXX quarter of XXXX property was already paid by the previous owner on XXXX / XXXX / XXXX as shown in " DOC431.pdf '' . And XXXX quarter of XXXX property tax assessment was right due to XXXX XXXX XXXX XXXX . so escrow account shortage was starting from XXXX XXXX to XXXX XXXX for the property tax miscalculation by lender at the amount of {$270.00 } ( {$3100.00} - {$2900.00} ) ev ery month.So for total 11 month s ( from XXXX XXXX to XXXX XXXX ), the escrow shortage should be {$3000.00 } ( {$270.00} x 11 ). But the lender kept saying the shortage is more than {$5000.00} with ridiculous lies such as they paid XXXX quarters of tax for XXXX which is totally untrue.
01/27/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32082	Web
We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.
07/31/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80021	Web
I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.
10/16/2017	Yes	Debt collection Mortgage debt	Communication tactics Used obscene, profane, or other abusive language	TX 754XX	Web
On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.
05/20/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	OK 73162	Web
I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different
03/26/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MO 64052	Web
As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.
02/05/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 740XX	Web
On XX/XX/2019 I used my XXXX XXXX XXXX debit card at the bank of Oklahoma outside ATM between the hours of XXXX and XXXX XXXX. The branch address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. I attempted to withdraw {$400.00} and there was a {$3.00} service fee since I do my banking at XXXX XXXX XXXX. After putting in my pin number and typing in how much money I wanted to withdraw the ATM completely turned off. I waited a few minutes and the machine did not come back on. I pulled around to the front of the building and went inside to talk to the teller. She said Oh man ... It turned off again? She assured me that the {$400.00} withdraw would show up as processing on my bank statement for a few days and then it would completely fall off since the money was never dispensed. I withdrew {$100.00} from inside the branch and left. About a week later I noticed that the {$400.00} ATM withdrawal that I never received was debited from my account. My husband and I have contacted Bank of Oklahoma several times and have even filed complaints through XXXX XXXX XXXX or assistance with this issue. Bank of Oklahoma says that the money was dispensed. If that is the case, we have been asking that they view the security footage from the ATM because the money was not received by me. My only guess is that the ATM came back on eventually and dispensed the money to someone else. After multiple claims have been opened, we have not reached the proper resolution.
07/08/2015	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	NM 87106	Web
I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.
04/22/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	AZ 85233	Web
i have contacted XXXX XXXX XXXX multiple times and found out when i went there in person they are now BOK financial. XXXX XXXX XXXX XXXX, XXXX XXXX. they gave me the phone number in XXXX Oklahoma for the mortgage portion. XXXX spoke to XXXX and then supervisor XXXX XXXX and i requested the information, he refused to give it to me. i requested a payoff amount they refuse to give it to me because im not the original person on the loan, it is my parents and they are both dead.. my name is on the deed with rights of survival ship i and the mortgage company 6 times have sent death certificates and copy of deed also my ID showing who i am and the i am the legal owner of the home being sold. when i called him he asked for my middle name aso its XXXX a very XXXX name and their attitude was worse, not only are they not allowing me my legal roghts to know how to pay off their loan in good faith, but they are also RACIALLY DISCRIMINATING me because in XXXX and i don't live in Oklahoma. i am requesting immediate assistance in this matter and a attorney to sue them for breach of contract and stress pain and suffering can you help me. my escow manager in charge is XXXX XXXX at lawyers title in XXXX Arizona XXXX can confirm all documents were sent. XXXX XXXX went as far as insinuating that she was lying about sending documents and requests. considering were in mourning over the recent death of my father they are being unjustly unfair.
03/16/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 88007	Web
Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.
11/20/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	OK 748XX	Web
I started using another account because I was not happy with Bank of Oklahoma, and I thought I weaned all my automatic / pre authorized withdraws away from that account, but apparently I missed 2, a cell phone bill ( XXXX XXXX ) and radio ( XXXX XXXX ). these two amounts came to less than {$70.00} usd. I was not monitoring my account because I thought I had removed everything ( both accounts were not billed for several months so I did not realize they were going to come through ). These caused me to Overdraws, but I was NOT contacted by the bank, either by mail, email or phone. I did just happen to check my account like a month later and immediately emailed and explained the situation, but the person only refunded a small amount. I received a letter ( the first ) about a week ago, telling me my account was " written off ''. and reported to credit reporting agency. I then received a call and email from XXXX XXXX, " Account resolutions specialist '' about this amount, I responded via email so there would be written record, and explained that it was unfortunate that the only contact that I receive is after my account is closed and written off. Over the less than {$70.00} OD 's from auto withdraws I was unaware of, they say I owe over {$300.00}, but are willing to " discount '' 30 something percent. They are saying ( XXXX ) that I owe almost {$200.00}, and that I have been reported to XXXX. this is not right and unfair!
01/06/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73162	Web
My name is XXXX XXXX. I have made several complaints against this bank about their discriminatory practices in which I have requested they train their staff in treating other person of other races in spite of their national origin and accent the same way as they treat Americans. I am a naturalized American but I am an American in name but in reality with this bank I am treated differently. I called this bank on XX/XX/18 to make a transfer on my account from my experience and in my discussion with other friends of mine that are Americans. To speak to a representative after you put in your account number and your pin through the automated system all the representative has to do is ask you your name and do whatever transaction you want to do. The call I made to this bank was around XXXX and XXXX XXXX on the XX/XX/XXXX. I think if I can remember I spoke to one XXXX she asked me my name and I provide that and she wanted to further ask other questions which I refused. I requested to speak to a manager who I think her name is XX/XX/XXXX who said what the representative did was right and she could ask further questions apart from my name. I think they are applying standards higher for me which they do not do to Americans and I know it is because of my accent and national origin. I think this discriminatory practices should be checked and same standards should be applied to every body regardless of nation origin and accent
09/19/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CO 80013	Web	Servicemember
On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.
05/07/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80403	Web
The Lender is BOKF NA DBA Colorado State Bank and Trust ( CSBT ). CSBT is overcharging for PMI and adding costly cancellation-related fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule. PMI was to be automatically cancelled on XXXX XXXX 2017 per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is XXXX XXXX 2017 ''. We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of XXXX XXXX 2017 . CSBT did not automatically cancel PMI on XXXX XXXX 2017 per our contract. When questioned, it was state d by CSBT that " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers Price Opin ion. This is additional to the extra PMI we are currently still being charged, {$230.00}. CSBT is failing to honor the contract and acting very " matter of fact '' aga inst honoring the contract.
06/21/2023	Yes	Mortgage Conventional home mortgage	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 77087	Web
I have a complain open No XXXX against Bank of Texas XXXX A few days ago I received through regular mail, A package from Bank of Texas with my physical address on it, but addressed to XXXX XXXX, which I do not have an idea who that person is. I did opened believing it was a mistake on the witting address. It consist of several pages, the first it is a letter from XXXX to XXXX XXXX ( please see document attached ) talking about his case. In the last page shows a copy titled " Uniform Underwriting and Transmittal Summary '' which you can see XXXX XXXX 's information about his loan where include his address and his Social Security Number. This is a very serious matter. It makes me believe XXXX is totally careless about sensitive information and that my own information has or could be sent to a different person who can bad use of my sensitive information for the lack of ethics XXXX has related protecting his customer 's information. I am sorry, it seems I have been very hard with Bank of Texas, but I expect and deserve better. I want this bank to be responsible for the payment of at least a few years of XXXX XXXX XXXX, which serves as a lesson of whomever is responsible for this bridge on the security of all the customers. Btw, I have left only the 4 last digits of XXXX XXXX 's SS # to protect his identity, but on the document I received it shows it in full.
07/05/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OK 740XX	Web
Applied for home loan to purchase a home in XXXX 2016, was sent a pre approval letter. Submitted all required documentation as requested, as well as paid for appraisal. Was told multiple times that all looked good for XX/XX/XXXX closing. Was continually asked to resubmit documentation, which I did. Received a call 2 days before closing stating that our loan was denied, due to the fact that we paid rent with cash for four years to the same landlord. The landlord had provided 6+ months of rent receipts as well as a letter stating, that we paid cash each month, landlord also filled out BOK form sent to her stating the same. XXXX XXXX, the contact at XXXX that I was working with was very condescending from the get go and only got ruder as time went on as if she did not want to have anything to do with us. Fast forward to XXXX 2016, we have gone on to speak with a different mortgage company and repeated the drill, providing documentation, etc. they as well as I have requested the appraisal be transferred to them from BOK and XXXX XXXX refuses to do so. So we are now having to pay for another appraisal on the same property that was just appraised XX/XX/XXXX. Of note when I was unable to get XXXX XXXX to transfer the appraisal and my husband called to request the same, XXXX XXXX was extremely rude, condescending and in fact hung up on my husband.
01/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75081	Web
I make my payments regularly, in advance, of the due date. The bank 's own systems are showing discrepancies in the payment due dates causing phone calls and questions about non payment. The customer facing portals show the next payment due as scheduled, however, the payments I make, on the bank 's side, did not assign to a month. The payment portal online shows as a transfer between deposit accounts and the loan, it does clarify where the payment is going to principal, principal and interest ( regular payment ), and interest. Therefore, when paying regular payments, I make 'transfers ' as a principal & interest payment. *An example* {$10000.00} loan, {$100.00} regular payment due monthly : - I make a transfer ( P & I ) to the loan due XXXX on XXXX, next payment due on the consumer portal advances to due XXXX. - I make XXXX 's transfer ( P & I ) on XXXX. Next payment due on the consumer portal advances to due XXXX. On the same day, XXXX, I make a second transfer ( P & I ) to the loan for the payment due on XXXX, which on the consumer portal advances the next due date to XXXX, as it should. However, the banks internal system interprets this as a principal only payment and triggers calls to me for non-payment for the XXXX payment. The consumer portal still shows the payment is due XXXX. See attachment for actual case.
09/30/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 73701	Web
On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.
05/29/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 745XX	Web
XX/XX/2018 {$200.00} plus a {$3.00}. fee was withdrawn from my account with XXXX XXXX XXXX, XXXX XXXX. The withdrawal was done at an ATM in XXXX, Ok. We live over 122 miles from XXXX and were no where near XXXX . The bank claims the withdrawal was done with my atm card and the person new the pin number. Impossible. In my XXXX years of living, I had NEVER allowed anyone to use my atm card or a credit card. There were additional purchases made with the card totaling just over {$300.00}. I nor my wife were responsible for these charges and the bank is refusing to return the money to my account Four days later, XX/XX/XXXX I had a XXXX XXXX and was flown to XXXX to XXXX XXXX hospital. On Wednesday, XX/XX/XXXX my wife and son were visiting me in the hospital when my wife indicated she was hungry. She had no cash nor did I. Therefore, for the first time in history I gave my debit card to our son and instructed him to go to the bank and get {$100.00} cash so they could eat. This was done with my approval and I received the receipt from him relative to the withdrawal. But this was seven days AFTER the initial withdrawal of {$200.00} from the ATM. The bank is refusing to refund the money to my account, We are not liable for the expences and would like your assistance in retrieving the money for this theft.
09/21/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	OK 74011	Web
Bank of Oklahoma sent me a letter saying that they are going to revert to mailing paper statements and charge a fee of two dollars per month to mail paper statements if you are already signed up for online statements. This makes no sense and the fact that they're giving people 30 days to review and if they don't do anything, they're gon na start charging you two dollars a month in fees to mail paper statements when you were previously receiving online statements for free is ridiculous and they should be Investigated, many people do not receive their mail on time and many people will forget to log into their account and make these changes and it's unreasonable for the consumer to have to opt back out of paper statements or be charged a fee for mailing. This is completely backwards from the direction that the industry is going toward doing more online statements and away from paper mailing I believe that this is also deceptive to the consumer and unfair, because if people don't take any action there, going to be charged a fee when they were previously taking an action that should lower their fees. Most banks charge you for paper statements, but they don't all of a sudden switch everyone back to paper when they were already online for the sole purpose of collecting extra fees.
12/18/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	74017	Web	Older American
On XX/XX/XXXX the check we wrote that paid the fee to file to apply for a Partial Release of Acreage, cleared our bank. With no contact from BOKF. We called BOKF. A laughing girl told us in 24 hours someone would call us back. First call on XX/XX/XXXX second call on XX/XX/XXXX. We were told the lady should have said three business days. On XX/XX/XXXX the BOKF office XXXX XXXX called claiming she had been sick. On both XX/XX/XXXX and XX/XX/XXXX we asked for the laughing ladys boss to call us she did not. XXXX told us we would need a survey. We got her one back to her the following week. But until we called her no response. After the call she told us she was going to start the paperwork for an appraiser and there is no time requirements, but the most she had seen them take was six weeks. On the sixth week she told us she canceled the first appraiser on put in a request for another. The second came out on XX/XX/XXXX. She said the appraiser got the paperwork to her on XX/XX/XXXX or XX/XX/XXXX her story changed. Everything is okay for the release, but I can not get a copy of any if the paperwork because it might get list in the mail. I called to see if they have received anything at the county planning office they said tell her to email all the banks are email. She will not.
08/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM XXXXX	Web
XXXX XXXX XXXX has made it their Standard Operating Procedure/practice to place borrower 's partial payments in 'suspense ' ( i.e. delay application to the borrower 's obligation ). I just spoke ( XXXX/XXXX/15, XXXX XXXX Mtn ) with their Representative that confirms this both specific to my account and broader to all XXXX accounts. XXXX XXXX, 2015 I wrote to XXXX stating my instructions for partial ( and overpayment ) payments. This mailing was sent/confirmed by USPS certified. More specifically, I requested funds not be held in suspense, but rather applied immediately for principal reduction. Today, by phone, the Representative states that this is NOT happening on my account, but rather XXXX continues to place partial payments in suspense. I stated for the Representative that my complete intention of partial and/or overpayments were for the purpose of me to save/escape some interest expense over the life of the loan ( XXXX is aware of this! ). In my opinion, FirstLand and the like should be severely fined for such disregard of the consumer. Had I known that I would be subjected to such practices, and the onus be on me/consumers, I would have worked to find/control more reputable lending. Respectfully, XXXX XXXX, XXXX. XXXX XXXX, NM XXXX XXXX XXXX ) XXXXXXXXXXXX
01/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74136	Web
We have a business checking account at Bank of Oklahoma under the name XXXXXXXX XXXX XXXX XXXX. We have been a customer since XX/XX/XXXX and have had a average balance of over {$800000.00} this year. XX/XX/XXXX I was doing bank reconciliations for quarterly financials and I noticed that the bank processed 6 checks written on XX/XX/XXXX that were fake. Completely different check stock, different company name, different signature, only the bank account numbers were the same. The original checks written to those check numbers were cashed by the correct people. Not sure how they got our account number. I went to Bank of Oklahoma but they were closed and told me to come back on Monday. We talked to multiple people at the bank and they said there was nothing they can do. The 6 checks totaled {$19000.00}. I have filed a police report, but they said it was mobile deposits and out of XXXX XXXX 's jurisdiction and there was nothing they can do. We had our attorneys contact the legal department at Bank of Oklahoma and BOK again said they would not reimburse any of the fraudulently cashed checks. I have copies of the fraudulent checks, police report and communications from our attorneys and BOK 's legal department. Please help, the lack of help from BOK has been shocking.
06/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77087	Web
I did submit my mortgage payment using the Pay Bill from my bank ( in this case XXXX XXXX XXXXXXXX -- see proof ) Such payment was, according to XXXX processed on XX/XX/2023. However, when I checked the online profile on Bank of Texas, the payment was not been reflected on XX/XX/2023. I contacted BofTX and received the replay they have not received such payment and I should WAIT FOR THEM TO PROCESS ( XXXX. In between, my mortgage profile remains delinquent. I issued a inquiry with XXXX about the XXXX XXXX not been processed and I was provided with the electronic payment number XXXX. I contacted again BofTX and talked twice with XXXX who said the payment should be reflected by Monday, XX/XX/2023, which it is today but my mortgage on the online profile still shows my payment been due. I feel both banks are just jugging in between and not get my issue resolved. I am out of {$1400.00} dlls from my checking and I still have my mortgage payment not been received. I was indirectly pointed the fact that I do not have an automatic payment set-up for BofTX to get the payment directly from my account, which it is something I prefer not to do. In the almost 9 years dealing with this mortgage, this is the 1st time my account shows been delinquent. Can you help?
09/22/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	TN 37129	Web	Servicemember
On XX/XX/2020 I closed on the sell of my home expecting that the mortgage was to be paid off and for my escrow funds to be returned by BOK Financial Mortgage ( BOKF ). That did not occur since 2 weeks later I discovered that my loan had been sold off to a new lender, XXXX XXXX ( XXXX ), on XX/XX/2020. This caused a lot of confusion and frustration because BOKF should have sent the funds to XXXX XXXX according to Federal Law, which has a 60 day transition period. BOKF returned the funds to the title company, XXXX XXXX, via a mailed check. The delay in payment caused additional interest to accrue on the mortgage. I did notify my contact at BOKF of my intent on selling the home in early XXXX. Also, I pulled a payoff quote from BOKF on XX/XX/2020. The title company also worked with BOKF for the payoff amount even though it knew that it no longer owned the mortgage. Additionally, the XXXX XXXX representative told my Title Services representative that the additional interest should have come out of my escrow because I had money available. This sounds illegal, if not unethical. Original Lender : BOK FINANCIAL MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX PAYOFF STATEMENT XXXX, OKLAHOMA XXXX New Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
10/05/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 741XX	Web
In XX/XX/XXXX i logged into online banking and noticed 2 accounts that were not mine. I called the bank to report it and they were gone. I thought it was an error and everything was done. Fast forward 3 years later.. In XX/XX/XXXX the bank of oklahoma started debiting my open checking account that I have had for years and when I contacted them they said it was an offset of funds due to the 2 accounts that I opened and had charged off 3 years ago. THEY WERE FRAUD. not something that I opened. I have been in contact with the bank for 3 months trying to get this taking care of. They are treating me like a criminal and keep saying they determined that it was me. They will not provide any proof that it was me such as a signature card or the funds it was opened with etc.. I have no information on it because i was not me. I recently was told to file a police report when i noticed it was on my credit report but they are just dismissing my police report too. I need help with this. I get {$710.00} a month social security and I should not be paying for something that I did not do and nobody at the bank will listen or help. It is only around {$200.00} but I dont want to pay {$1.00} for something I didnt do.
06/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 804XX	Web
In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.
09/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 523XX	Web
To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. Thank you for your time. Regards
01/08/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NM 87112	Web
The bank pushed me around for over a year requesting documents and re requesting the same documents wanting more information to approve a refinance or re modification I have over 15 sources of income being self employed so the fact I did it for a year submitting more then enough documentation proving income and each time they would send it back saying I missed something or whatever and twice I actually hadnt. Due to them delaying it for so long I gave up i felt defeated and now overwhelmed by the years worth of mortgage payments I owed. I never even got a chance to prove I could pay ( I took over my house from tenets that somete renting the property stopped paying all the bills they destroyed the house and left me two months behind. So I never got a chance to just pay a month to prove I could ( they said they dont accept partial payments. Also the price that they are comparing income to is wrong because my premium is significantly lower but they wont adjust until Im all payed up?!?! Lastly I was sold this house which had a XXXX XXXX occur in it and I never knew that when I Bought it that was kept from me. Ill send any documents you want but not sure what it is youd need
10/02/2020	Yes	Mortgage VA mortgage	Closing on a mortgage	TX 75078	Web	Servicemember
Had a VA mortgage with Bank of Texas ( Bank of Oklahoma ) ... .refinanced on XX/XX/XXXX ... .escrow refund was released on XX/XX/XXXX per website ... .I contacted them on XX/XX/XXXX and was told the check would be mailed out on XX/XX/XXXX ... .called in on XX/XX/XXXX and confirmed it was mailed out from their XXXX location to my home in north XXXX ... waited a week no check ... called BOT was told to keep waiting ... .called back on XX/XX/XXXX and XX/XX/XXXX and was told the same thing to just keep waiting ... .I requested a stop payment and a new check cut and was told if I request that I have to wait an additional 30 days ... .requested on last 2 phone calls to speak to a supervisor but was told I would receive a call back same day ... .never received a phone call ... .have filed 2 formal complaints with BOT and was supposed to get a call back regarding those ... ..still have not received a call ... ... .It is now day 36 and I keep getting the run around with no solution except to cancel the " check they mailed out '' and wait another 30 days ... ..all I am asking for is a option on where I can pick up a check or have one recut and overnighted. Thank you,
10/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38119	Web
House fire on XX/XX/19. Damage was under {$40000.00}. Check for structure endorsed and returned after I had to quote XXXX/XXXX/CFPB Guidelines to XXXX who handles claims for my mortgage company, Bank of Oklahoma. Then a second check was submitted which was for storage of contents, cleaning contents, moving contents. All paperwork was submitted from me and from XXXX XXXX. I uploaded everything to XXXX 's site. I gave permission to endorse check and send to XXXX XXXX. XXXX had the W9, my permission, Waiver of Lien, 3rd Party Authorization Notice, Repair Intent, Certificate of Completion, COI. They made an error and said they did not have all the info and sent the check, regular mail to XXXX XXXX for Endorsement. They said that was their policy. Then, the Manager, XXXX tells me it was their error. It should have been endorsed. Now, XXXX XXXX is out money for at least another two weeks. I am in the mortgage industry and I hear complaints like this all the time. XXXX does not follow guidelines. They constantly loose documents which is what happened here. I have had to take time to all at least 5 times to get this fixed. Each time, am told something different.
01/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 774XX	Web
I have an investment property. Initially the bank said based on the federal requirements I must escrow the taxes and insurance - based on certain requirements. However - last couple of months the same bank has been hounding me to refinance - specifically saying that if I do, buying some points, and go through the entire refinancing process - which is about {$5000.00} in closing costs, PLUS the points I have to pay, they can remove the escrow. The interest rate difference is and the cost is burdensome for me. I have satisfied all the rules to remove the escrow requirements. The bank is refusing the remove the escrow requirements siting the law - however - the law doesn't say if you refinance the escrow can be removed. When I question it - they are being very vague and in cooperative and have been made to run around in numerous phone calls and email exchanges. The bank is being unreasonable in their requirements - without adequately explaining. either they are violating the law - or squeezing the consumers to spend money by selling points. To sell these points for {$1000.00} they are making the consumers spend over {$5000.00} in closing costs
08/24/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	OK 74063	Web
On XXXX XXXX 2016 I bought a house from Bank of Oklahoma via a short sale. I paid the agreed price and assumed everything was taken care of. In XXXX we decided to go ahead and sell this property as the rental is in an area that we do n't cater to and did n't plan to buy anymore in that area. We got the property under contract, scheduled to close only to find out that BOK had failed to file the mortgage release. Once contacted BOK claimed to be waiting on some moneys the believed they were owed from FHA. We did not buy the house from FHA nor where their any stipulations that said that after we paid nearly XXXX in a cash purchase that the mortgage release was subject to any third party. I had the company that facilitated our closing call both BOK and FHA. FHA claims that they have already did what they needed to, BOK now admits that it is true but claims due to back logs they legally have until XXXX XXXX 2016 to file this mortgage. This is outright fraud. What kind of mortgage lender takes the payoff they ask for then holds ( us ), an innocent 3rd party to the original moneys owed hostage while they wait for government red tape.
02/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 87301	Web
We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.
08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76262	Web
We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.
06/10/2016	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	OK 741XX	Web
Our first complaint with a specific BOK Service member, other than having personality flaws, i.e. rude, is that they do n't disclose that they can not work with 100 % Permanent XXXX XXXX XXXX XXXX. We were less then 24 hours from closing the loan on the house and we received a text from the BOK service member stating that he would have to escrow taxes for a year. We informed him at the beginning of the process that we were tax exempt and continued the process. It was truly a waist of time on everyone 's part that was involved. Because of their lack of knowledge regarding our Vets and home loans, we have lost our appraisal and earnest money along with the inspection money which we paid for up front. It 's a disgrace that this would happen to anyone, but we would like to inform others especially senior citizens like our selves so they may be aware. Also the lack of loyalty between bank and consumer because information was given to XXXX party before given directly to us. On top of that, he picked the closer and we never received a corrected XXXX. I will never recommend BOK to anyone.
09/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 923XX	Web	Older American, Servicemember
I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX XXXX. I have served my Country and Community my entire life. I am currently a XXXX XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help
07/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77087	Web
I review it the company reply of my complain CFPB Case No : XXXX, in it the bank said the " XXXX XXXX PMI removal requirements were amended and effective XX/XX/2018 '' however I do not recall been notified. In my case, if someone would have pointed out, I would have eliminated my PMI, now there was no longer require a new appraisal, I would have probably done verbally. Actually in my last Escrow Account Disclosure Statement does not indicate anything at all about the changes in the rules about the PMI, it does not even reflect the status of the same at the time, to give me an idea that I was overcharged. In my case, I reached the LTV 78 % at the moment to apply the payment done on XX/XX/2018, this means I was overcharged by at least 8 months. I happen to I noticed was when I got online into my mortgage and looked into any single option available and I read about it, was when I picked the phone and called and asked, otherwise more time would have passed and more unfair charges would have been applied. Should at least the bank send me a note about the benefit I was missing?
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87112	Web
I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. XXXX XXXX XXXX
09/06/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 745XX	Web
I was scammed. On XX/XX/22, I received a phone call from XXXX, claiming they were the fraud dept at Bank of texas. They wanted to know if I authorized a XXXX payment of {$500.00}. I said no. They reported the scam was done from a XXXX XXXX XXXX and would need my info to process the fraud. I googled the phone number and yes, it was from my bank ( Bank of Texas ). I gave them my sign on and password. I was sent via text ( XXXX ) a temp sign on and was told the temp password would be sent via email. I checked my email and saw several messages from Bank of Texas. When I opened one of them is said " XXXX XXXX was added to my contact list ''. This was concerning. I called the bank. They confirmed a XXXX payment of {$500.00} and I had been scammed. The bank then closed the account. I asked about the money and was told since I gave the sign on and password, I was out that money. I would not be able to recover is since it was to XXXX. All of this took place within a 15 minute window. I would like to know why I can't get my money back. Why couldn't the bank reverse the charges?
03/20/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 78653	Web
My USDA loan is in forbearance. I spoke with the loss mitigation department two days ago. I was told that no online payments would be possible, even though I entered one payment online. I was told that they were awaiting a title to proceed with my loan modification after the COVID forbearance. Since then I noticed that my bank account drafted {$1900.00} for the payment they said would not go through. Now my bank account is overdrawn. I still don't have modification details except for the letter from my last complaint dated XX/XX/2021. I don't get paid until XX/XX/2021 and have a {$1300.00} negative balance in my bank account from a payment I was told would not process. Also, since going into forbearance I've been locked out of most of my online portal with XXXX XXXX XXXX so for a year had no visibility into my account. Apparently that changed after my first complaint was filed. How many others in deferment is this happening to? Am I the only one who now has access or is everyone in forbearance experiencing this? It's been extremely unsettling.
08/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 923XX	Web
I received a bill for an underpayment in my escrow due to under estimates in my county taxes on my home. The balance of underpayment is XXXX of my 2023 taxes and after paying that in a lump sum my mortgage will still be increasing by over XXXX dollars a month. I've reached out to my lender and they have given me no help, only told me to go to the county. I went to county accessor and they told me it's most likely my escrow company completely failed to do their job in properly estimating my property tax. I've communicated this to my lending company and they still refuse to work with me at all. I will be reaching out to the escrow company but spoke to someone else who had the same experience with the same escrow company and was told they just hung up on him when he reached out. I will be going directly to the escrow office Monday and writing a formal complaint to the corporations commissioner if they refuse to speak with me. I need any and all the help I can get. My lender is Bank of Texas and the Escrow Company is XXXX XXXX out of XXXX XXXX, CA
01/24/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CO 80129	Web
Hello, this is regarding a BOK Financial 401k account that I have been trying to roll into an IRA for 3 months. For context, I was able to roll a separate 401k account with a different provider into my IRA in about 30 minutes. First, BOK declined to roll my assets because they require a " wet '' signature on the document form ( which was not indicated anywhere ), rather than accept the digital signature I provided. Now, because they are unable or unwilling to implement an electronic transfer system, my rollover bank rejected the check BOK had mailed to them, and in order to cut a new check, BOK is requiring me to fill out a form and get it notarized in order to cancel the old check ( even though they have received it back ). Their process for a rollover distribution is the most dystopian, bureaucratic, embarrassment to human cognition that I have ever seen, and the only logical conclusion is that they are intentionally making it difficult for individuals to withdraw funds from them ( presumably to inflate their XXXX XXXX for their investors ).
08/22/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	NM 87124	Web	Older American
By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.
05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80920	Web
My husband and I sold our house through a short sale. The date of closing was XXXX / XXXX / XXXX . However, Bank of Albuquerq ue ( BOA ) is reporting the closing as XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact BOA and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculou s. BOA is the one who agreed to the settlement. I have the settlement letter dated XXXX / XXXX / XXXX . Additionally, it states right on the Settlement Statement that the date of Settlement i s XXXX / XXXX / XXXX . I am requesting from the BOA a signed letter stating that our closing/ settlement date was XXXX / XXXX / XXXX and not XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's credit score . Thank you!
12/13/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OK 73110	Web
I missed 2 pmts XXXX and XX/XX/2018. Started trying to contact BOK to set up a repayment plan on 2 missed pmts never got through on the phone. Filled out paperwork and waited to hear from them never did. When my call finally went through was told they were not accepting mail from me any received would be returned and they were mot to talk to me cause my house was in foreclosure. First I heard of this. This has been on going since then. I do not understand why they refuse to work with me. The only reason I know about the sale date is my son looked it up on the computer. There is not enough room to write all the wrong doings they have done to me and now kick us out a week before XXXX that in itself is wrong. I know it's too late for me but hopefully this keeps them from doing this to somebody else. It should have never gotten to this point. They haven't responded to my request for a payoff amount or a reinstatement amount. How they treat people is wrong and is wearing on my stress and mental levels.
06/27/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX XXXXX	Web
On XXXX the XXXX 2023 I reported unauthorized transactions that occurred under my account with Bank of Texas there were multiple withdrawals that were made under my account that I did not authorize permit or allow to be conducted I received a check from Bank of Texas on XX/XX/2023 in the amount of {$1300.00} now upon receiving my bank statement which at that time of me disputing these transactions Bank of Texas did not allow me to see my account activity so I couldn't properly clarify which transactions were valid and which weren't on XXXX the XXXX 2023 I received my bank statement upon checking for the statement. XX/XX/2023 through XXXX the XXXX 2023 he total number of incoming transactions that I received was {$2600.00} Bank of Texas only sent me a check for {$1300.00} the only valid withdrawals under my bank statement are two transactions which totaled {$150.00} what happened to my XXXX dollars that Bank of Texas did not include Indy chick that they have sent me
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74133	Web
'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my XXXX XXXX Report. 'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks. 'Statement that the inquiry remains in my XXXX XXXX for up to ( 3 ) years or until " the Bank of Oklahoma and the Bank of Oklahoma only!!! makes ( Verbal or Written request ) to XXXX for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and XXXX ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the Bank of Oklahoma was as to why " I have a Security Freeze and Fraud Alert in place on my XXXX Report. 'Explanation that I have been unable to open a Money Market Savings Account with XXXX Bank during the last year because " the Bank of Oklahoma refuses to remove the Inquiry on my XXXX Consumer report.
06/13/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 076XX	Web
D ear Sir/Madam, I have an existing complaint ( XXXX ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for XXXX 2017 to avoid any more issues and talked one of representatives named " XXXX '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint ( XXXX ). I am attaching the statement I received for your reference. Please help me out! Thank you!!
08/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78228	Web
Due to Covid I had to use the mortgage forbearance program, for that I was quite thankful. Then when I finally got back to work I started paying the payments and I was informed that the forbearance amount would be set under a non-interest bearing account. When I asked how to make payments on this account to shrink the amount over time I was informed that this was not an option. So, I contacted XXXX XXXX, who holds the forbearance amount. They said that it was 100 % possible and now I am staring down the barrel of an over XXXX dollar balance that they want all at once. During the lock down I burnt through my savings and simply can not pay that, I think that it is wildly unfair that I am not able to pay this down and it appears that the total amount has been not only inflated ( The amount quoted was at XXXX of which I have documentation ) I need help, I have tried talking to the bank and continue to make my monthly payments. But, this is too much.
12/05/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CO 80232	Web
On XX/XX/2023, I was the victim of a scamming incident through XXXX. I immediately called my bank to advise what had happened, and they opened a fraud investigation. I lost {$1600.00}. I never received any update on the outcome of the fraud investigation, and they refused to reimburse the money that was lost through the XXXX scam. I filed a police report as well. I was told by a personal banker that I would be receiving correspondence regarding the outcome of the fraud investigation, but it has been almost a month, and I haven't received anything. I have been a customer of this bank for over a decade, and the fact that they refused to cover the amount that I was scammed out of ( {$1600.00} ) and not treating me like the victim of the crime that I was was deeply disappointing. We are a family with one income and a child. Losing that kind of money was deeply upsetting for us and effected us greatly on our ability to pay our bills.
03/23/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 30101	Web	Servicemember
On XX/XX/XXXX, I was laid off from my XXXX XXXX position. While trying to look for work and applying for XXXX XXXX related positions, President Trump issued a government shutdown. I immediately contacted my mortgage company, now BOK Financial. I informed them of the impending issue and signed up for their payment plan. They informed me that they would not publish the payments as late and this was a matter that was not of my own doing.I was able to obtain new employment XX/XX/XXXX. Once my first check arrived in XXXX, I began paying as requested in my payment plan. My last outstanding payment was completed in XX/XX/XXXX. So why do I bring this to your attention now? I worked hard to fight and raised my credit score so that I could be in a better standing. Now, I am being told that I had to have maintained 12 months positive payment history without a single late notice to apply for a new VA home loan for my growing family.
03/06/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TX 78653	Web
Hello I need help. I have a mortgage that is guaranteed by USDA. Due to the loss of roommate income I entered into the Covid forbearance. I am in a position to resume mortgage payments now, however The Bank of Oklahoma who now holds the loan is offering me to make a lump sum payment of $ XXXX XXXX or a three month repayment plan. Neither of these options are affordable for me. Please advise other options I may have. I believe the bank is mistaken in their responsibility to assist homeowners to resolve their amount due. I am talking to a mortgage broker about paying off the entire note including the deferred amount of $ XXXX but I am told that there are regulations that prevent another mortgagor from refinancing until the forbear amount is paid off. Please advise as I understand my forbearance is ending the end of this month and I'm not sure what to do. Thank you for your time XXXX XXXX cell : XXXX XXXX, TX
04/08/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 94566	Web
On XXXX, COMPLAINTANT has opened an account with " Bank of Oklahoma. '' From XXXX, SMS/Email notifications related to mobile banking have started to go through successfully. On XXXX, COMPLAINTANT 's online banking account was suddenly suspended. On XXXX, mailed debit card by XXXX was activated. On XXXX, representative claimed that the account looked suspicious and had to be closed. Representative went on to ask the COMPLAINTANT as to whether he knew what he was doing. COMPLAINTANT indicated that the representative shifted the reason for termination of account twice. From ( 1 ) account having added external accounts to ( 2 ) being outside of it service area. COMPLAINTANT wonders whether only the accounts having added no external accounts fit BoKF 's criteria of not being suspicious. BoKF can close anyone 's account for any reason, however in this case, it had to switch reasons around to do so.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	OK 731XX	Web	Older American
In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.
06/29/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 338XX	Web	Older American
The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. I request that the Bank of Oklahoma make me whole on the worthless bonds. The bank has known that the facility was closed a few years ago, but concealed the detail from investors.
07/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76105	Web
I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.
12/01/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 76248	Web
On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX
07/25/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 87121	Web
I have previously submitted to CFPB a claim against Bank of Oklahoma and Bank of Albuquerque. I have been trying to get a loan modification on my current residence that is almost {$20000.00} upside down in value. After almost 3 years I am still no further in working with both the bank and the attorney 's involved. I am wishing to stay in my home and also the Bank sent a letter stating our home would be taken over by HUD and to submit a packet to HUD for renting the property if it came down to that. I sent a packet to the address given and the packet was sent pack to me as undeliverable. I am again contacting the CFPB because I am still getting no answers to my questions and no closer to a refinance. The stress of this situation has caused many problems and I would like to just pay our mortgage and move forward. Please help me resolve this issue. XXXX XXXX ( XXXX Loan Name )
10/06/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 74014	Web
Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.
08/09/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76017	Web	Servicemember
XXXX XXXX has rules that unfairly punish first time homeowners. I went to have my MIP/PMI removed based on my loan to value being under 80 % now. My mortgage company stated I can not ever have my MIP removed due to my loan originated after XXXX XXXX 2013. Consumers who had a loan prior to that date can have it removed based on LTV of under 80 %. This rule also applies on all conventional loans, but because I purchased my home using a FHA loan on XXXX 2013 I am obligated to pay insurance of almost {$200.00} a month when it is not needed based on my current LTV. The only way for me to remove this unnecessarily payment is to refinance my home which would be costly based on fees. This rule hurts home owners who could n't put a higher down payment and unfairly targets those with lower income. This rule only benefits insurance companies and hurts those who can least afford it.
10/31/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 744XX	Web
1. XXXX received a dividend check in the amount of XXXX from XXXX XXXX XXXX through XXXX and their affiliate bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, PA ) dated XXXX/XXXX/2016. 2. This was deposited to The Bank of OKlahoma ( BOK ) on XXXX XXXX 3. This deposit was returned XXXX/XXXX/2016 bcs according to BOK bcs the check had already been cashed. 4. I called XXXX XXXX and who sent a letter that the check was cashed XXXX/XXXX/2016. ( 1 day after deposited to BOK ; I assume then that BOK was paid ) 5. Talked to BOK branch employee and submitted check again. This check was returned. BOK says the problem is with XXXX XXXX. XXXX XXXX says check is cashed. 6. So, our XXXX is out the {$200.00} in dividends. Possible tax on the dividends. And unresolvable issue. 7. I called XXXX XXXX to give me a letter stating who cashed the check. And they said it would be a {$35.00} fee.
10/30/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	KS 661XX	Web
The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. According to FHA ... ..HUD the house must be in perfect conditions. This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!
08/31/2023	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	NJ 08016	Web
On XX/XX/2023 XXXX XXXX XXXX was paid by credit card for XXXX different toll transactions. However, we were charged for XXXX. We first started the dispute process with XXXX and was told that they only showed the XXXX transactions. BOK was then called on XX/XX/2023 to start the dispute process for the credit card charges. I was told by BOK representative that we would receive a letter with the case number. On XX/XX/XXXX I called back and let them know we never received the letter. They told me that it was still under investigation and they had 90 days to complete it. XX/XX/XXXX I called again and the case had been closed with no reason behind it. A new case was started and I received the letter on XX/XX/XXXX with the case number. It is now XX/XX/XXXX and I once again had to call BOK for an update. They again closed the case stating the charge was too old to dispute.
03/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75208	Web
I subtmited a merchant dispute for merchandize not received with my bank on XX/XX/XXXX XXXX, the bank never sent any letter of the status of the claim. I called XXXX XXXX to know about the case and I was informed that the case was closed without any advice to the customer because the bank sent me an email to a different email address I provided. They have my last name of my email wrong. So I opened the case again on XX/XX/XXXX with the information requested, that was the invoice showing that merchant must sent items to my address. I sent it and on the same day the bank said that on the invoice is not written, and it is. Is wirtten that shipment service was included and also the address where must be sent. The bank didnt follow the instruction I gave them by phone, to start the merchand dispute. Also didint follow the regulation E and Z procedures.
12/03/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 076XX	Web
I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!
08/30/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 287XX	Web
I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?
01/24/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28104	Web
My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.
08/05/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85226	Web
I opened a checking account with BOK financial on and about XX/XX/2019, I used the debit card ending XXXX make some purchases of merchandise in XXXX and bring them back to resale in US. I spend roughly {$8600.00} total on the purchases but non of the item received by XX/XX/2019 which I expected, I have contacted the merchant several times and they always avoided my calls and never return my calls despite I left tons messages, I felt I got scammed, I filed fraudulent disputes against the merchant thru BOK financial, they told me that all charges were authorized so they stayed on my account, I have explained my situation further to them and asked them to reopen the case, they simply refused to do so .... This financial institution has no intension to help it customers, they even closed my account due to file disputes.
08/29/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 75002	Web
I cancelled my membership with XXXX XXXX via letter in XX/XX/2019. When I noticed I was still being charged to my Bank of Texas checking account I went into a local branch XX/XX/2019 to advise and was informed by a banker that it would be looked into and addressed. Fast forward to the end of 2019 and while moving over to XXXX XXXX I receive a letter telling me I owe over {$600.00} in overdraft fees because they paid for my gym membership. A membership I cancelled and told would be looked into coupled with the fact that I optd out of overdraft protection to prevent this issue. A Regulation E investigation should have been launched so that I would have been protected. I paid the fees and obtained a paid in full letter but now I can not open a new account because they are reporting the account to XXXX XXXX.
02/07/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80210	Web
We engaged BOK FinanciaXXXX for an XXXX Commercial Property Loan to purchase a commercial property. We closed on XX/XX/2021. Since closing - A ) All statements / monthly bills are being sent to the wrong address. I requested a change of address in written format via the form provided by BOK Financial over a month ago. I received no confirmation that the change of address took place. B ) I have reached out repeatedly to the lender to provide online account access for monthly payments. BOK does not respond to my requests and nobody can even answer the question about whether or not online bill pay exists. C ) There are late fees being applied to my account. However, since I have no access to the loan documents online and all of my mail is going somewhere else, I have no way to monitor or dispute the fees.
02/14/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 76226	Web
Bank of Texas has charged me over {$600.00} in OD fees on my business bank account when I specifically requested to opt out of OD Protection for this very reason! This is a secondary business account and all of our small deposits are getting taken up by OD fees when we never requested OD protection. This should be against the law to charge {$34.00} per paid OD transaction when the amount being covered is far less than the OD fee itself - this is a built in rate of lending that exceeds several thousand percentage points, which should absolutely be considered theft by large banks on low balance consumers. Being a Texas based bank, you would think they would be helpful to Texas based small businesses, but instead they are choking every penny from their accounts with ridiculous OD fees on small transactions!
11/18/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	TX 770XX	Web
Bank of Texas falsely claims they have " Free Checking '' but charge a fee for paper statements and REFUSE to let customers opt out of that fee unless they sign up for online banking=which EXPOSES customers to fraudulent activity. Forcing customers to expose their accounts to fraud seems unlawful. It should not be a requisite to obtain something deemed 'free '. I'm asking CFPB to prohibit financial institutions from claiming a service is " free '' if it's " free '' if and only if clients are forced to expose their finances to fraud thru online banking or other undesired exposures. see website here : https : //www.bankoftexas.com/personal/products-and-services/personal-banking/checking-accounts/free-checking Site does not disclose that online banking is demanded for checking to be " free ''
06/01/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OK 74014	Web	Servicemember
ACH transactions, mortgage & bills, were duplicated causing an overdraft and subsequent lock-out of access to funds. Unable to get through to bank for assistance or explanation as recordings and postings simply state " working on the problem ''. I am concerned that this issue will be swept away. Wanted to make sure regulatory agencies were aware. I realized this may be an error, but I would expect an expedient resolution and or measures that would prevent this from ever happening in the first place. A similar occurrence happened to me in the past with another back. Given the current financial climate, one would expect a high level of concern for depositors. I will investigate alternative banking solutions as BOK has severely downgraded my opinion of their competence. XXXX
10/03/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MD 20852	Web
My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.
09/13/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	TX 77087	Web
My mortgage payments have been scheduled to be sent using BillPay from XXXX XXXX XXXX to my mortgage company, Bank of Texas for a couple of years. The payments were sent and received electronically, but since XXXX 2016 was switched to be sent by check. Contact both banks saying their agreement to receive electronic payments was broken. Bank of Texas told me to open an account to XXXX XXXX, because their agreement is " still valid ''. I sent a letter to Bank of Texas Mortgage Complains division asking if it is possible to work out things with XXXX XXXX XXXX. I am still waiting for an answer. In the way the customer service from XXXX XXXX XXXX has been, I do not trust to allow them to access my checking account to make the mortgage payment. Hopefully this helps.
03/14/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	NM 87124	Web
I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.
06/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75204	Web	Servicemember
Hello, I believe that my Mortgage Servicer, HomeDirect Mortgage, a division of BOKF, NA, committed a material servicing error by failing to calculate escrow correctly and failing to pay taxing authorities in full. I believe this error resulted in a tax lien being placed on my property. A notification of tax lien was received at the property address alleging that I was a chronic delinquent payee. As the notice of tax lien seemed to imply a tax bill delinquency over a multi-year period, I believe HomeDirect Mortgage is responsible as they have not calculated escrow amounts correctly or have appropriately reviewed tax assessment notifications. I submitted a Qualified Written Request to HomeDirect Mortgage by first class mail on XX/XX/2019.
09/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32714	Web
I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer. So as you can see is impossible to call the bank for this issue. I have the right to request to open a claim by mail or fax, is not needed compulsory by phone. So please proceed as requested or give me a fax number to send this letter. Thanks
06/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32714	Web
I made 4 purchases with my debit card from Bank of texas, on XXXX. The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.
07/16/2022	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	CO 80010	Web
I received the check from my Mortgage after I sold the property. And they send me refund under my legal name on the check. Also my girlfriend and my aunt name. But there no longer living in Colorado after I sold the house. However I deposit the check into my account. And bank manager or banker was saying me bring other 2 people. But I explain to bank there not in Colorado anymore. But you have already verified my driver license name on the check. And it is match. However bank is not released the check. So I requested the bank. Can you return the check. And bank said no were not able to return. So I said this is not correct. Even I m presenting myself. So And verify. And still not released or retuning the check.
01/24/2020	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 Problem with personal statement of dispute	NM 87144	Web
On XXXX XXXX I started a dispute with XX/XX/XXXX to have my late mortgage payments from XX/XX/XXXX-XX/XX/XXXXto be removed. They removed all mortgage payment history not just the late payments. In XXXX of XX/XX/XXXXI filed bankruptcy and didn't reaffirm my loan so I understand why its not reported after XX/XX/XXXX. I have called my mortgage co., Bank of Oklahoma, and the bureaus to get my history prior to filing bankruptcy put back on to no avail. My score dropped over 70 points and am being given the runaround every time I call. I just want my old history back on my report and no one will help me. I'm trying to improve my credit and this has set me way back. Please help!! Thank you, XXXX XXXX XXXX XXXX XXXX
06/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 731XX	Web
My phone and debit cards was stolen on the XXXX of XX/XX/. I called bank of Oklahoma to block my card but whoever stole my phone was able to access my online bank and stole {$2000.00}. The bank claimed they will freeze my account and carry out and investigation and a dispute was filed with the fraud department. Today, I was told the my dispute was denied and that I owe the bank. I was spoken to in a horrible way by someone from the loss prevention department I assume. He spoke to me as if I had stolen my own money and asked my questions in that regards. Whoever hacked into my account also took money from my XXXX XXXX XXXX account. I am a victim of identity theft and I am currently filling a claim. I
07/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web
I have a conventional mortgage with PMI. I reached the LTV of 80 % and/or LTV of 78 % last year, but the bank keeps charge me for the PMI. I asked them about it on XX/XX/XXXX and they refused to consider. I called them last week ( not sure about the date but between XX/XX/XXXX - XX/XX/XXXX ) and they say they are going to summit a cancellation of it, promise to return the money ONLY for the last month ( XX/XX/XXXX ). Called them again today XX/XX/XXXX requesting the return of the money overcharged and again it was denied saying it was my fault for not summit a request for it. According to my calculations that amount is over {$800.00} dlls. My original mortage was XXXX with a down payment of 5 %
10/17/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 76114	Web
Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.
08/23/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 76137	Web	Servicemember
On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.
06/04/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28139	Web
I applied for a conventional mortgage in XX/XX/XXXX of this year with a closing date of XX/XX/XXXX. They had 45 days to acquire all of the necessary documents. I informed them that I would need to have final numbers for closing a week before the closing date due to travel time to the closing. Calls to loan officer 's assistants went unanswered as did requests through emails. As of the XX/XX/XXXX they have not given me the amount I need to close. I have to have time to get a certified check and allow travel time and this is the last day that it can be done. Just wanted to let other people know that Homedirect Mortgage is not concerned about the customer 's needs.
09/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32714	Web
Im traveling abroad and I don't have access and time to call my bank to open a fraud dispute. On XX/XX/XXXX I receive a message on my phone saying that my debit card was locked due suspicious activity. Then I checked my bank statement and there are several transactions that I never authorized, and checking my wallet I noticed my debit cars was missing. I need to report fraudulent transactions starting on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX until the last transactions posted on my account. Before that one the transactions posted are authorized. Attached goes each transactions marked with a circle, those are not authorized.
02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37040	Web	Servicemember
Colorado Bank State & Trust was our mortgage broker. It is reporting as BNK Oklahoma. When we had to pcs we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into Colorado Bank State & Trust to defer the payment for XXXX and XX/XX/2017. Once we got tenants in I called back and paid XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XXXX and XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.
10/29/2017	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CO 80013	Web	Servicemember
On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.
07/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 78758	Web
Its second time that it happened that Bank of Texas blocked me from using XXXX AND I had used my account regularly and normally and I did not used my XXXX profile fraudulently and I did not used my XXXX lately or receive any money transaction fraudulently at all and the money I sent are thru friend or family. And found out someone ( Roommate ) stolen my identity and open an bank account and mobile line under my name and registered on XXXX XXXX and received money and now XXXX blocked me on my bank on every XXXX on my bank saying i violated the user agreement and I had already file a police report about the identity theft
05/22/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	TX 76114	Web
The bank institution was BankOfTexas in XXXX XXXX TX. On XX/XX/2022 I had {$1900.00} stolen straight from my checking account with XXXX. I did not authorize these charges. XXXX says the bank should reimburse me the bank says XXXX should. Mean while Im sitting over here with no money. The bank closed that account and reopened me a new one but they are giving me the run around. The money shows to be transferring to a man named XXXX. XXXX and several amounts were being transferred. I never received any kind of security warning. I just want my money back and for XXXX to figure out why this is such a big deal right now!
05/21/2018	Yes	Mortgage VA mortgage	Trouble during payment process	TX 77845	Web	Older American, Servicemember
Alleged Loan Scam - Loan is VA 100 % property tax exempt but the originator, XXXX XXXX XXXX and the XXXX XXXX XXXX, BOKF/XXXX XXXX XXXX have abused this exemption by escrowing approximately {$6700.00} of my property tax funds. I have never missed a payment yet, XXXX has threatened foreclosure on my loan. I have been trying for over three ( 3 ) years since my closing, XX/XX/2015, to work with them but to no avail. See my attachment to this complaint supporting these accusations. Also, refer to my previous complaint submission ( s ) as follows : Case numbers XXXX and XXXX, which were never satisfactorily solved.
05/22/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 731XX	Web
on XX/XX/15 my phone was stolen out of my car while asleep and used fraudulently.the thief went on my XXXX XXXX ( that did have a pin # ) & requested a new pin so a verification was sent to my email which they also had access to & changed pin # and cleaned my XXXX XXXX & bank acct out in 12 withdrawals back ti back leaving my accts- {$220.00} & {$490.00} taking a total of {$2400.00}. I Filed police report ( case # XXXX ) & gave bank.i have had this acct for a while now never been overdrawn & has had at least {$3000.00} at any given time. the bank manager was extremely rude and was not helpful at all
04/12/2017	Yes	Bank account or service Cashing a check without an account	Account opening, closing, or management	NM 87002	Web
I was treated with disrespect at the bank in XXXX waited 30 min while teller was on the phone about my drivers lecense. Was not told WHY i was waiting? When i told the teller i was late for work he rudely put his hand up in my face to shut me up. Finally he was told to cash my chk and was done being obnoxiouse and RUDE. IN A SMART ALLEC way he tells me " thank you for your NOT patience!!! Because of his rudeness i will NEVER visit that establishment again. This teller needs to be addressed ... my mother has banked there for years and will be switching banks because of this ONE TELLER!
11/03/2022	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	LA 70592	Web	Older American
I had an allotment going to the bank routing number XXXX since XX/XX/2017. It was supposed to pay for a XXXX policy. The account number was wrong or according to the bank does not exist. XXXX says the money was not returned to them. The bank says they did not receive the money. The bank has not helped me at all and the last person I spoke to was very rude. I have XXXX or I would not even know this happened. Please help me find out how to get my money returned as I need it due to illness. I have no XXXX policy and I do not have the money that was supposed to pay the policy.
01/09/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	OK 74105	Web
I took out a loan beginning in XXXX. I signed all of the closing paperwork documents On XX/XX/2020 And provided all documentation prior to signing as the process happens. I've been continually contacted since then to provide more documentation. XXXX even requested documentation for card and account that I do not own. I have reported this to several different people and ask for supervisors on 2 different occasions and have never been called back. So I have a sign loan contract and bills that are unpaid because they will not send out the amount the contractor is for.
09/03/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32714	Web
I opened a claim with my bank for XXXX transactions made with my debit card ending in XXXX, because the seller never sent the items. The bank gave me a provisional credit, but then was reversed. I received a letter requesting more information about the case, that letter has a old date and I don't know I received it very late and as soon I received the letter I sent the information back to them on XX/XX/XXXX. I need to reopen the case for this XXXX transactions for merchandise not delivered. XXXX XXXX made on XX/XX/XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX
07/14/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 731XX	Web
So I have been getting harassing called phone calls from Bank of Oklahoma I get 14 calls a day all times of the day and the evening time I have tried to reach out to them and try to set up payments that I can afford I am unemployed due to the pandemic is still looking for work I have always been honest and sincere with this Bank they refuse to accept what I can pay monthly to them and I keep getting these harassment calls threatening calls threatening of harassment calls I am trying to fill this out and file a complaint against Bank of Oklahoma for harassment
03/10/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77479	Web	Older American
On XX/XX/XXXX I deposited {$10000.00} check issued to me by wife from her XXXX XXXX XXXX account and this check was deposited into my Bank of Texas XXXX Bank of Texas with hold the check since since XX/XX/XXXX till now.On XXXX XX/XX/XXXX I visited the bank and i was told for the first that my check was placed in hold because my wife wrote XXXX XXXX but she entered the {$10000.00} correctly.Despite this minor mistake this check was cleared by XXXX XXXX XXXX. Bank of Texas collected the money since XX/XX/XXXX and refused to release the money till today.
12/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75006	Web
When Bank of Texas bought the home loan from XXXX XXXX and put escrow on the account when I have had home insurance this whole time. So in order not to ruin my credit i over paid {$2800.00} to not get a late payment and then they changed it back to the proper amount {$580.00} but now will not send me a refund check for the overages and will not let me talk to a manager or put a manager on the line. This is very bad business and I wish my loan was never sold to this company. They are an absolute nightmare to deal and are stealing my money at this point.
07/10/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NC 28227	Web
My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.
11/06/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77086	Web
On my XXXX XXXX Mortgage Statement, I had a charge of {$18.00} for taking photos of my home. I have never seen that, so I turned the statement over and it stated that photos are taken of your home is your home is in default. PROBLEM! MY HOME IS NOT IN DEFAULT NOR HAVE I EVER MISSED A PAYMENT. I looked into my account online and it was noted that the transactions of {$18.00} occurred twice. I never received a phone call or email from the company regarding the mistake, only the that someone from Bank of Texas has been in my account twice.
07/02/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 74063	Web
Lender asked me to fib on my tax return, was unavailable to answer questions in a timely manner, belittled me told me I was the reason for her being behind on her files, gave empty promises to ALL parties involved, told me I had to pay all my PMI upfront XXXX at closing because my credit score wasn't at a XXXX. Only to find out it was a XXXX. Had my information for months but called me weekend before closing at XXXX XXXX said not closing. I really feel disrespected and DISCRIMINATED against. Finally I felt pressured to pull out of loan
12/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74011	Web
I deposited a check made out to the XXXX XXXX. I am XXXX XXXX and do business as the XXXX XXXX. I endorsed the check as XXXX XXXX XXXX the XXXX XXXX. I made the deposit into my checking account that I've had with bok for 30 years. The check was presented and paid by the issuing bank. But bok refuses to give me the money. In Oklahoma you do not have to file as a dba with the state. They refuse to give back to the bank that paid them. They have said they will just keep the {$4500.00} if I can't prove that I operate as the XXXX XXXX.
01/19/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 76114	Web
Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it. Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm
03/18/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OK 73107	Web
I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.
11/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74012	Web
My name is XXXX XXXX and todays date is XXXX2020. I have a mortgage with Bank of Oklahoma. The loan number is XXXX. I went to the bank to pay off the remaining balance. They said they could not give me a balance and I would have to call their automated system and wait for a total to be given in a week. This seems wrong because they are able to collect interest for another week. Are they required to give me the amount and let me pay it off immediately during normal banking hours? Should I have to wait a week?
09/04/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33411	Web
My current mortgage payment is XXXX a month which includes putting money in to escrow. When I closed on my house we had closing costs and that should have covered this year towards insurance and taxes. Now my mortgage company is saying there is a shortage in my escrow and they are moving my payment up to XXXX. My insurance and property tax appear to be the same so this means my mortgage company never quoted me right and we bought the house know we could only afford XXXX a month for a mortgage.
09/20/2016	Yes	Mortgage VA mortgage	Credit decision / Underwriting	NM 87112	Web
Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.
02/27/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	NM XXXXX	Web
Bank of Albuquerque is the worst bank possible they have lost {$21000.00} of my hard earned money and they can not find it. I have contacted the branch I always visit in XXXX XXXX, NM and I have contacted the XXXX XXXX no one cares and no one has done anything to try to help me find my money. XXXX is the Branch Manager of XXXX XXXX and of XXXX XXXX and is completely incompetant and can not handle these situations, and I have to suffer with missing money because of it.
02/11/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73110	Web
I was pre-approval for a conventional loan. Turned in all the documents I needed for the loan. 2weeks before closing. I received a phone call saying bank of Oklahoma could not move forward on my loan. I am a first time home buyer and was very stressed. I told the lender, I am driving and would have to talk later. She then sent me a email that said my debit to credit ratio was a issue. I ask why is this just now a issue 2weeks before I close on my house.
02/14/2017	Yes	Mortgage VA mortgage	Credit decision / Underwriting	NM 87112	Web
Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.
01/08/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	AZ 85225	Web	Older American
Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. Pending DEBIT ADJUSTMENT XXXX {$100000.00}
06/14/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NM 87112	Web
I made a cash for keys settlement with the bank of Albuquerque through there attorney, me and a state anointed foreclosure prevention guide. This settlement was completed inXX/XX/XXXX. I have repeatedly tried to endure this information was processed at bank of Albuquerque and their attorneys office yet since XXXX of XXXX Im still being penalized in my credit report as owing a debt which I do not!
11/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32714	Web
My account was closed a few months ago, and since then they have not proceed to send the cashier check with the amount of money I had on the account. Also I reported a fraud made with my debit card and I still don't have any news about the case. The contact with the bank has been impossible. I also have this case with them XXXX without any update more than one month ago.
11/08/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK 74063	Web
Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged
09/25/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 94550	Web	Older American
We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.
05/26/2021	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	OK 745XX	Web
On XX/XX/XXXX I mailed my complaint to Bank of oklahoma in reference to a checking account opened under my name without my knowledge or consent. I've been incarcerated since XX/XX/XXXX and that I am a victim of identity theft. Do date this Bank has failed to properly investigate my claim. And this account is still showing on my check system report.
07/31/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28739	Web
XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. This is the second problem we have had with our account in the 1st month since they bought the mortgage.
02/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 838XX	Web	Older American, Servicemember
I received a letter in XX/XX/2020, stating that my mortgage company BOK had me pay more than needed into my escrow account and that they would be sending me a check in the next 30 days. It is now XX/XX/XXXX and I have still not received a check. I have phoned twice and both time was told the check was in the mail
07/19/2023	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Incorrect exchange rate	XXXXX	Web
Date XX/XX/2023 {$1500.00} actions : tried to contact Bank of Texas, BOKF, NA On mentioned date I did transaction of {$1500.00}, on that exchange rate was XXXX but on paper before wiring the amount they have pre fixed exchange rate XXXX and by loosing {$63.00} approximately over and above of transfer fees {$20.00}
05/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 731XX	Web
I previously put in a complaint on bank of oklahoma and their response was its still under investigation and I have to wait the 60 days but it has already been longer than 60 days because it's happened on XX/XX/XXXX And the bank told me that the investigation was closed that they were not going to pay out
06/05/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 81007	Web
I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.
04/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32714	Web
Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it. They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem
01/11/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NM 870XX	Web
I had a mortgage with Bank of Albuquerque and after paying it off, paid in full XX/XX/2017, they reached into my bank account and took more money from my account ( XX/XX/2017 ). They were in no way entitled to this money and as such this constitutes a theft from my account.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CO 80204	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Police XXXX XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX department XXXX XXXX XXXX XXXX So take 20 percent from all these funding sources and open XXXX XXXX a trust fund of his own product
04/04/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OK 74011	Web	Older American
Sometime in XX/XX/2022 I fell victim to a multilayered scam orchestrated by XXXX.XXXX. This involved transfer of a sum of XXXX dollars from my account in Bank of Oklahoma to a recipient in XXXX XXXX XXXX for investment purposes. I have been cheated of that amount.
06/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 601XX	Web
I called BOK Financial to have my PMI insurance removed from my mortgage as I have 76 % loan to value ratio. The said that I had to have a 2 year payment history but the loan was just started XXXX if XXXX. Please help it adds about XXXX XXXX month to my payment
04/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 78758	Web
Bank of Texas put my account under review client protection and blocked me from using XXXX and I had used my account regularly and normally, I don't know what will be the reason that cause my account got blocked and can not used zelle too. ( XXXX got blocked )
01/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	LA 704XX	Web
I have submitted a loss mitigation application. I have not heard back from my lender well over the 30 days allowed by Regulation X. I had to reach out and was told on several occasions that it was in progress. I still have not heard from my lender.
08/23/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OK XXXXX	Web
I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.
08/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 801XX	Web	Servicemember
My mortgage company is withholding my insurance property claim money and not accounting for its whereabouts and hindering me being able to get repairs completed. They will not endorse checks and when they do they keep money.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77035	Web
my account was closed and paid full on XX/XX/XXXX but the credit report on XXXX still show " late payment from XX/XX/XXXX till XX/XX/XXXX ''. this caused my house loan delay and can't apply the loan from XX/XX/XXXX till now
10/04/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NM XXXXX	Web
Fraudulent charges dating back one year bank refused to credit account, closed investigation without explanation how account was accessed in another city also numerous atm withdrawals not in network.
12/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK XXXXX	Web
Bank of Oklahoma and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.
07/22/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CA 92071	Web
This company is holding my XXXX hostage, I'm trying to close the account & move it to rollover ira, & they just will not do it, it's another excuse every time I call.
08/28/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OK XXXXX	Web	Servicemember
I was told that they would do the trade then find out they did not do it. They keep on saying am supervisor will call and discussed. No call.
07/10/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	IA 50315	Web	Servicemember
THIS MORTGAGE COMPANY STOPPED MY AUTOMATIC PAYMENTS. NOW IM SHOWING AS DELIQUENT AND MY CREDIT SCORED DROPPED XXXX POINTS. WHAT THE XXXX
03/18/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75090	Web
Went to open an account at Bank of Texas was told I had an account in 2010 that I did not have.
09/22/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 77077	Web	Older American, Servicemember
My account was spoofed and the bank has been unwilling to refund my money!
02/10/2024	Yes	Mortgage FHA mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	KS 660XX	Web

02/02/2024	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	TX 77494	Web

02/02/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	TX 77406	Web	Servicemember

01/31/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	NV 89509	Phone	Servicemember

01/25/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OK 73013	Web

01/23/2024	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	OK 741XX	Web

01/12/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NM 871XX	Web	Servicemember

01/10/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MO 64138	Phone	Older American

12/21/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	TX 75218	Web

12/19/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	FL 34221	Web

11/13/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74147	Referral

10/14/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75231	Web

09/28/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	TX 75231	Postal mail

09/06/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MS 39149	Web	Servicemember

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80031	Web

08/12/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85710	Web

08/02/2023	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	OK 74112	Web

07/31/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80031	Web

07/20/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	NM 87123	Phone

07/09/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80212	Web

06/30/2023	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	AZ 85032	Web

06/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75078	Phone

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72712	Web

05/22/2023	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 77584	Web	Servicemember

05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73701	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77071	Web

04/24/2023	Yes	Mortgage VA mortgage	Struggling to pay mortgage	NV 89403	Phone	Servicemember

04/18/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29673	Web

04/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74859	Phone	Older American

02/24/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NJ 07456	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87109	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84096	Referral

12/16/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	OK 74464	Web	Servicemember

09/14/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92071	Web

08/25/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NM 87110	Phone	Older American

08/24/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 75016	Phone

08/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11218	Web

08/05/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	OK 74012	Phone	Older American

07/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73160	Referral

07/26/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NM 87108	Phone	Older American

07/08/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 28697	Postal mail

06/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OK 74135	Referral

04/10/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74012	Web

04/08/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75035	Referral

04/05/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 64129	Phone	Servicemember

04/03/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 73142	Web

03/28/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	OK 73077	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85255	Web

03/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NM 87109	Phone

03/15/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	TX 75149	Referral

03/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80502	Web

02/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	KS 67218	Referral	Older American

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90278	Web

01/14/2022	Yes	Mortgage VA mortgage	Trouble during payment process	TX 75501	Phone	Servicemember

01/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73142	Phone

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NC 28269	Web

12/14/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 93614	Web

12/01/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80234	Phone

11/22/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NM 88210	Referral

11/08/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 85214	Web

11/04/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	TX 78631	Web	Servicemember

11/03/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 74127	Phone

10/22/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75217	Referral

09/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73016	Referral

09/08/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 73628	Phone

09/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 66604	Phone	Older American

08/16/2021	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	OK 73135	Phone

08/11/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	AZ 85018	Web	Servicemember

08/11/2021	Yes	Checking or savings account Savings account	Managing an account Banking errors	OK 74110	Postal mail	Older American

07/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OH 43952	Web

07/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74169	Postal mail

06/11/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 72704	Phone

03/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74112	Referral

02/26/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73165	Referral

02/20/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NM 87144	Referral

02/14/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OH 43952	Web

02/03/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 76137	Referral

01/15/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 75204	Web

01/12/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94544	Web

12/11/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74110	Referral

12/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74033	Referral

11/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74169	Postal mail

11/04/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	MO 64053	Web	Older American

11/02/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 77007	Referral

10/27/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NM 87110	Referral

10/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74169	Postal mail

09/29/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NM 87031	Web

09/24/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OK 74105	Referral

09/16/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	OK 73127	Phone	Older American

09/16/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80113	Referral

08/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KS 67212	Web	Servicemember

08/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74133	Referral

08/14/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	06076	Web	Servicemember

08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30009	Web	Servicemember

07/30/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75205	Referral

07/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 73130	Referral

07/02/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	AR 72019	Web

06/25/2020	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NJ 08879	Referral

06/15/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	AR 72764	Referral

06/02/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 74055	Web	Servicemember

05/15/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89511	Postal mail

04/28/2020	Yes	Mortgage VA mortgage	Trouble during payment process	MD 20774	Web	Servicemember

04/27/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	FL 32547	Web	Servicemember

04/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NM 87508	Postal mail

03/28/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 77068	Web

03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73012	Web

02/28/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OK 73703	Web

02/26/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	TX 79103	Web

02/24/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	TX 75002	Phone

02/18/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	OK 74127	Referral

01/02/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	TX 76528	Postal mail

12/04/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OK 74080	Web

11/18/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees		Phone	Older American

11/10/2019	Yes	Money transfer, virtual currency, or money service International money transfer	Wrong amount charged or received	OK 74115	Web

09/11/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77083	Web

09/06/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75126	Web

08/30/2019	Yes	Checking or savings account Other banking product or service	Opening an account Confusing or missing disclosures		Referral

08/28/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	OK 74011	Referral

08/23/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	TX 77356	Referral

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85246	Web	Servicemember

05/23/2019	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 32233	Web	Servicemember

05/14/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 77356	Phone	Older American

04/30/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	NM 87124	Referral

04/30/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74055	Web

04/16/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NM 88001	Referral

04/10/2019	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	TX 77584	Phone

04/10/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 75035	Fax

03/20/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75241	Referral

02/21/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	CO 80231	Referral

02/10/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 73113	Web

02/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 87124	Referral

01/17/2019	Yes	Mortgage VA mortgage	Trouble during payment process	FL 33511	Web	Older American, Servicemember

01/16/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73132	Web	Servicemember

01/08/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	NM 87120	Web

01/03/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CO 80231	Referral

12/19/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OK 73013	Web

11/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 79424	Web	Servicemember

11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72714	Web	Servicemember

11/20/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30005	Referral

10/24/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AZ 85037	Web

09/27/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage		Phone

09/24/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	OK 73157	Referral

09/19/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	OK 74021	Web

09/18/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	KS 67502	Web	Older American

08/17/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33701	Referral

08/03/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	AZ 85037	Referral

07/31/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75287	Referral

07/27/2018	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TN 37067	Referral

06/13/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

06/01/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MO 64133	Referral

05/31/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	OK 73071	Referral

05/29/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	HI 96707	Web	Servicemember

05/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 88061	Web

05/17/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77084	Referral

04/30/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AR 72959	Referral

04/19/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

04/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 79423	Web

04/09/2018	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	OK 73120	Referral

04/04/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	OK 74037	Web

03/26/2018	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	OK 73130	Referral

03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85246	Web	Servicemember

03/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NM 87048	Phone

03/15/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NM 87123	Web	Older American

03/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 790XX	Web

02/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80132	Web

01/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75019	Web

01/09/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	TX 78230	Referral

01/03/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CO 80470	Postal mail

01/02/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77530	Referral

12/29/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 73162	Referral

12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79707	Phone

12/18/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	TX 78660	Referral

12/11/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CO 80010	Web	Older American, Servicemember

11/20/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 75372	Web

11/13/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NM 87121	Phone

11/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75104	Web

10/24/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 75069	Web

10/18/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85715	Web	Older American

10/16/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 75062	Web	Older American

10/05/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage		Phone

09/13/2017	Yes	Mortgage FHA mortgage	Closing on a mortgage	TX 79068	Web

09/07/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 77498	Web

08/22/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 75234	Referral

08/11/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 34689	Postal mail

08/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74352	Web

08/09/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 73108	Referral

07/28/2017	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	OK 74136	Phone

07/25/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	IA 52240	Referral

07/17/2017	Yes	Money transfer, virtual currency, or money service Virtual currency	Other service problem	AZ 85201	Web

07/13/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80525	Referral

07/03/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33033	Web

06/21/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91303	Web

06/09/2017	Yes	Mortgage VA mortgage	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NM 87112	Phone

06/02/2017	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with fees or penalties	TX 76036	Postal mail

05/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80210	Web

05/20/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73130	Web

05/13/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	TX 78748	Web

04/11/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 74132	Web

03/29/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 79703	Web

03/12/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07940	Web

03/05/2017	Yes	Mortgage VA mortgage	Settlement process and costs	AL 36360	Web	Servicemember

02/07/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OK 74153	Referral	Older American, Servicemember

01/25/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 10536	Fax

01/19/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 79928	Web

01/17/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OK 73034	Fax	Older American

01/13/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73068	Referral

01/12/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OK 74153	Referral	Older American, Servicemember

01/07/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 88012	Web

01/04/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 76248	Referral

01/04/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92821	Referral

11/14/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	FL 32714	Referral

11/10/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral

10/19/2016	Yes	Other financial service Check cashing	Fraud or scam	TN 77084	Referral

10/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87004	Referral

10/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 22303	Web

10/04/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 76117	Referral

09/23/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SD 57719	Web	Servicemember

09/22/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	CO 81212	Web

08/30/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73099	Referral

08/30/2016	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	CO 80033	Phone	Older American

08/18/2016	Yes	Credit card	Credit card protection / Debt protection	TX 75202	Phone

08/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NM 87106	Fax

08/11/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73159	Phone

08/02/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	NM 87106	Postal mail	Older American, Servicemember

07/26/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	DC 20037	Web	Older American

07/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 80134	Web

07/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 66211	Web

07/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80138	Web

06/01/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74126	Phone

05/09/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OK 74135	Web

04/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87112	Referral	Older American

04/25/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 87121	Web

04/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 81301	Referral

04/15/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 100XX	Web

03/17/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	TX 75093	Referral

03/16/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	AZ 85743	Postal mail

03/07/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NM 87109	Phone	Older American, Servicemember

03/03/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 77845	Web	Older American, Servicemember

02/16/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 74107	Referral

02/08/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NM 87006	Referral

01/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OK 74011	Web

01/20/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74137	Referral

01/14/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 74011	Referral

01/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02119	Referral

01/12/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 79412	Web

12/22/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	NC 28173	Web

12/16/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32256	Web

12/08/2015	Yes	Credit card	Unsolicited issuance of credit card	OK 73110	Referral

12/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73160	Web

12/03/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	NM 87507	Web

11/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73110	Phone	Servicemember

11/02/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CO 80602	Referral

10/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AR 72734	Referral

10/05/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 81212	Web

10/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 76006	Web

09/19/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75205	Web

09/16/2015	Yes	Mortgage Home equity loan or line of credit	Credit decision / Underwriting	TX 77255	Postal mail

08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75071	Referral

08/27/2015	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	AZ 85202	Referral	Servicemember

08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 74011	Web

08/25/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 79015	Web

08/25/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NM 87121	Referral

08/12/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 80239	Referral

08/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78155	Web

08/01/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	TX 79412	Web

07/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 77082	Fax

07/14/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 79412	Web

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

06/26/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	OK 73020	Web

06/22/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OK 73735	Web

06/13/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 79412	Web

06/05/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	CO 80206	Web	Older American

06/01/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 74074	Referral

05/28/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74137	Referral

05/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74432	Phone

05/05/2015	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	OK 73065	Postal mail	Servicemember

04/09/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	CO 80237	Referral	Older American

04/08/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77406	Referral

04/02/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78052	Referral

03/24/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CO 80439	Referral

03/23/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73103	Web

03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77479	Web

03/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87121	Postal mail

02/28/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AL 35244	Web

02/21/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77041	Web	Servicemember

02/19/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	OK 74076	Web

02/19/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CO 80130	Postal mail	Older American

02/04/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 80121	Referral

01/26/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OK 73120	Referral

01/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NE 68105	Web

01/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	LA 70003	Web

01/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77086	Web

01/21/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OK 74115	Web

01/21/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CO 80237	Referral	Older American

01/11/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75025	Web

01/11/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75025	Web	Older American

01/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	KS 67212	Referral

01/08/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75025	Web	Older American

01/08/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75025	Web	Older American

01/04/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	OK 74014	Web

01/02/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	MO 64086	Referral

12/28/2014	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	OK 74055	Web

12/09/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75068	Web

11/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74105	Phone	Older American, Servicemember

11/25/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75040	Phone

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 86514	Web

11/20/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74103	Web

11/05/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OK 73102	Referral	Servicemember

10/29/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SD 57701	Web

10/15/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	ME 04915	Web

10/07/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MO 64055	Web

09/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OK 73507	Phone

09/11/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32256	Web

09/05/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75068	Web

09/03/2014	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 77077	Web

08/31/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	VA 22407	Web

08/27/2014	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75035	Web	Older American

08/23/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MO 65633	Web

08/22/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 76180	Web

08/21/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 87125	Web

08/20/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73119	Referral

08/19/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	NM 87110	Postal mail

08/19/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OK 73505	Web	Servicemember

08/15/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	AZ 85705	Referral

08/12/2014	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	TX 76137	Web

08/06/2014	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	TX 75035	Web	Older American

07/31/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77471	Web

07/28/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73097	Referral

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OK 74467	Web

07/23/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77489	Web

07/14/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	TX 77840	Web

07/03/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	OK 73179	Web

07/02/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74020	Phone	Servicemember

06/22/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74053	Web	Older American

05/27/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MO 64055	Web

05/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 64138	Web

05/02/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 74012	Web

05/01/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AR 72715	Web

04/28/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73097	Web	Older American

04/24/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NM 87124	Web

04/22/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75034	Referral

04/21/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75092	Referral

04/02/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CO 80012	Phone

03/24/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	AZ 85305	Postal mail

03/21/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	MO 64048	Phone	Older American, Servicemember

03/20/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	MO 64064	Web

03/15/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73170	Web

03/10/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73170	Referral

03/07/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted employer after asked not to	NM 88130	Web

02/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 88012	Web

02/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AR 72715	Referral	Servicemember

02/09/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73025	Web

02/06/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CO 81006	Web

02/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76054	Web

01/25/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AZ 86335	Web

01/09/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	AZ 85388	Referral

01/01/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	AZ 85022	Web

12/26/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74108	Phone	Older American

12/23/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	TX 77478	Web

12/16/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77494	Phone	Older American

12/13/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	OK 73123	Referral

11/06/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74137	Web

11/05/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	NM 87181	Postal mail	Older American, Servicemember

11/01/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75002	Web

10/03/2013	Yes	Mortgage Other mortgage	Credit decision / Underwriting	TX 78210	Web	Older American

10/03/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	CO 80022	Referral

09/17/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	NM 87102	Referral

09/17/2013	Yes	Credit card	Balance transfer	TX 77064	Web

09/12/2013	Yes	Credit reporting	Incorrect information on credit report Public record	OK 74127	Web	Older American

08/25/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87124	Referral

08/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55021	Phone

08/07/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	CO 80205	Web

07/31/2013	Yes	Mortgage Other mortgage	Settlement process and costs	TX 77478	Referral

07/24/2013	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	OK 74011	Web

07/19/2013	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	AZ 85614	Web	Older American, Servicemember

07/12/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75230	Web	Older American

07/11/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73703	Referral

06/27/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	OK 74403	Web

06/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 74403	Web

06/14/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	NM 87120	Referral

06/12/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	MO 65721	Web

06/10/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74145	Web

06/04/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73105	Postal mail

05/25/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 87114	Web	Older American

05/21/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74014	Referral

05/17/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	TX 76114	Referral

05/13/2013	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OK 73099	Web

05/09/2013	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TX 77338	Phone

05/06/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TX 75077	Web

04/17/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 74857	Web

04/17/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NM 87102	Web

04/16/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 73068	Web

04/10/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	WA 98053	Web

04/04/2013	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	OK 73115	Web

03/29/2013	Yes	Credit card	Billing disputes	AZ 85210	Referral

03/20/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	TX 75081	Web

03/07/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 73195	Referral

03/06/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74331	Phone

03/01/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 75243	Web

02/26/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77064	Referral

02/26/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74136	Web

02/21/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 80220	Phone

02/18/2013	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OK 73153	Web

02/15/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PA 25669	Postal mail

02/12/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	TX 76114	Phone

02/09/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90005	Referral

02/07/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74112	Referral

02/05/2013	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OK 74011	Web	Older American

01/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AR 72135	Referral

01/14/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NM 87144	Web

01/11/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73099	Postal mail	Older American

01/09/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	OK 73071	Referral

01/04/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73507	Web

12/28/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	KS 67901	Referral

12/20/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73132	Referral

12/12/2012	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	CO 80121	Web

12/04/2012	Yes	Mortgage Other mortgage	Credit decision / Underwriting	OK 73010	Referral

12/03/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75074	Referral

11/29/2012	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TX 75070	Web

11/28/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	NM 87154	Web

11/19/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 73159	Web

11/17/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 74107	Referral

11/09/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73132	Web

11/07/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85755	Web

11/01/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75208	Web	Older American

11/01/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 76131	Web

10/24/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74133	Web

10/15/2012	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	NM 87112	Web

10/12/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75002	Web	Older American

10/05/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	NM 87107	Referral

10/03/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 87301	Referral

10/01/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 76092	Referral	Servicemember

09/19/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73070	Referral

08/23/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75287	Referral

08/15/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74429	Web

08/13/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 77084	Referral

07/26/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	WA 98012	Referral

07/19/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral

07/17/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OK 74012	Referral

07/16/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OK 73120	Referral

06/22/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	NM 87110	Referral

06/06/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77071	Referral

06/05/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	OK 73119	Referral

06/05/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CO 80237	Referral

06/05/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NM 88005	Referral

06/04/2012	Yes	Mortgage Other mortgage	Other	FL 33071	Postal mail

05/20/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75219	Referral

05/18/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 74145	Referral

05/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OK 74136	Referral

05/17/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IN 46947	Referral

05/17/2012	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75010	Referral

05/17/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	OK 74037	Referral

05/15/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OK 73013	Referral

05/10/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	NM 87112	Referral

05/01/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74105	Phone	Older American

04/12/2012	Yes	Bank account or service Checking account	Using a debit or ATM card	NM 87121	Referral

04/11/2012	Yes	Bank account or service Checking account	Using a debit or ATM card	OK 74055	Referral

04/09/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 75093	Referral

04/03/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 73157	Phone

04/02/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NM 87002	Referral

03/30/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73132	Phone

03/22/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75081	Web

03/16/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	OK 74019	Web

03/15/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	OK 73070	Phone

02/10/2012	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	TX 75054	Referral

12/12/2011	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87124	Web