FIRSTBANK PUERTO RICO CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/10/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	PR XXXXX	Web
my complaint it is against Firstbank of Puerto Rico. I have personal and business accounts since fiscal year XXXX. I have several unauthorized charges on my account ending XXXX. Last month in XX/XX/XXXX I reported via customer service phone number XXXX that XXXX XXXX charged me {$16.00} in XX/XX/XXXX and XXXX XXXX XXXX charged me {$29.00} on XX/XX/XXXX without my authorization and knowledge, also update and add my phone number XXXX. I said that I did not received any services neither bought books and/reports for those merchants. The bank associate XXXX XXXX assisted me ( Firstbank claim reference number XXXX, dateXX/XX/XXXX ). To this date I did not received any notification about the status of my complaint. I asked last week in the FirstBank of Puerto Rico XXXX Branch about my accounts statements of XX/XX/XXXX that I did not received it and I notified last Month in XX/XX/XXXX that I have issues with my statements that the bank did not sent from XX/XX/XXXX my business accounts statements and the personal uno account statements are getting late not received first week of the months, and I did not received several months ago the statements of my nonprofit organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the statements to my updated address due to XX/XX/XXXXdisaster. I called today to follow up my claims as the associate in XXXX Branch told me that I have to call. And I was threatened to block my accounts for making claims about unauthorized transactions that again were charged more than one time, she also told that I only have 60 days to make a claim and that it is a lie.I response that I know my rights and that she did not know about my reason that I went through XX/XX/XXXX disaster and caused to the same institution that took me off my replacement and only transportation an essential product in the middle of the emergency caused more damages and losses, and the government of US gave extension for the national world disaster. She did care about what I said and said in threatened way that the investigation department will cancel my visa debt card during my trip next week. I again explained and told her that I need that the institution DO NOT cancel and/or any of my visa debit cards neither my account because i need it for my work travel trip next week for the expenses of flight tickets, car transportation reservations, hotel accommodations ' reservations and that i did not request neither authorized any cancelation or blocks on my accounts that they can not due that. That in last trip on XXXX for study arrangements and relocations plans they canceled and blocked my two visa debit cards in the last day of my trip to Florida and I received a physical aggression for the actions that they made in a gas station then request my receipts of the cash payments after the FirstBank of PR blocked my accounts and the gas station declined my visa debit card of my personal and business accounts without my concern, without my authorization, without any previous notification, and I received the aggression from a XXXX woman recalling that XXXX XX/XX/XXXX and recent XXXX XX/XX/XXXXby police abuses. That they failed to protect my account and that they caused me that I received that aggression and put my life and security in immediate risk. I explained to her again that I already notified that I have a job related trip next week that I need my cards and money available because I will travel alone and have no space to errors or deliberated situations to recurrent violations of my rights. My right to work, my right to education, my right to liberty, my right to have access to standard of living, my right to freely move in my country as a free us citizen and that the bank institution can not impede me by blocking my accounts, cards and access to my money and services in equal opportunities to other citizen. that I have the right to make the claims because I understand that the charges are unauthorized and because I did not received any services or product. that I need to protect my money from the merchants that are making unauthorized charges and fraudulent charges. I make a claims today XX/XX/XXXX in FirstBank of Puerto Rico for XXXX XXXX XXXX XXXX that make a {$69.00} unauthorized charges in XX/XX/XXXX, the associate name was XXXX XXXX and said that there no transaction for that merchant for XX/XX/XXXX, i said would you please verify for XX/XX/XXXX said that there no transaction, I replied I have a receipt of the merchant XXXX XXXX XXXX XXXX for {$69.00} for XX/XX/XXXX, she said no transaction for that merchant for XX/XX/XXXX, that she need a merchant transaction to make the claim. I said ok i need to make another claim for other merchant XXXX XXXX that I applied for XX/XX/XXXXfor Fall XXXX ( XX/XX/XXXX ) and they did not answer my application neither responded to me about it. The transaction was XX/XX/XXXX that I did not received any service as I paid so I deserved a refund of the payment. I asked about the status of the previous claim and she said that they determined that the charges are recurrent and I have to contact the merchant, I respond that I did not received any notification about the bank neither I was not oriented or informed about submission of explicative letter as she said. i request a reclaim for merchants XX/XX/XXXX that in XX/XX/XXXX charged again {$16.00} without my authorization and without receiving any services or books bought it. And that they previously charged {$16.00} in XX/XX/XXXX that I make a previous claim and I did not recieved my money back, and that it is steal, because I did not authorized any charges. I make another claim because XXXX make recurrent charges without my authorization make another charges of {$29.00} on XX/XX/XXXX and I did not received my statement on time to verify the transactions and I am a XXXX disaster survivor and I did not received my refund of {$29.00} from XXXX of the previous claim of charges on XX/XX/XXXX. She gave me second firstbank claim number XXXX for the three merchants XXXX, XXXX and XXXX XXXX and said that XXXX XXXX XXXX XXXX transaction it is not processed or not appeared as processed. I need my refund for the cliams that I make for claim # XXXX of XX/XX/XXXX with XXXX XXXX for XX/XX/XXXX XX/XX/XXXX of {$29.00}, and for XX/XX/XXXX forXX/XX/XXXX for {$16.00}, and for claim # : XXXX of XX/XX/XXXX for XX/XX/XXXX of XXXX for {$29.00}, for XX/XX/XXXX for XX/XX/XXXX for {$16.00}, for XX/XX/XXXX forXX/XX/XXXX for {$31.00}, and for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX-Credit repair service agency ) for {$69.00} in XX/XX/XXXX. And I need the bank institution stop threatened me saying to block and cancel my accounts and visa debit cards were I need it most during traveling, stop to put my life in danger by blocking and/or cancel my visa debit cards and/or accounts against my consumer rights and human rights, stop to make actions without my concern and authorization in my personal and business accounts and against me, against my safety and against my rights, stop violating my rights and refund me complete my money an approximately amount of {$190.00}, because they failed to protect me as a consumer and i am not agreed to cancel and change my cards when I have other in progress transactions for my trip and previous transactions on record and due that they failed to protect me I considered that I have not to pay additional charges for the bank make money through cancelation and replacements of accounts visa cards that they do not have on any branches immediately at the request and the consumer have to wait for more that 10 days and 20 days as was my case at the opening of the accounts that they failed to provided me the provisional atm cards and I have to went to the branch and request it twice for both accounts, because i did not received by mail and then someone in my neighborhood as stalker steal my mailing and my documents for identity theft as was my case when someone entered to my house and steal my other banking institution claims of XX/XX/XXXX, my sealed business taxes of Fiscal year XXXX, my banks accounts statements provisional and the official received in the mail and atm credit cards of firstbank, banco popular and XX/XX/XXXXdebit card and more than {$900.00} in cash from unemployment XXXX aids, they ( the neighborh broken the front entrance door in the left side and they are opening, also took copies and originals documentation related to my profession, training certifications in lean enterprise, health certificates, and deleted data of the computers, they also steal my mailing box keys, and damaged other property like clothes and shoes, bicycle, previous car tires, water hose, furniture, and computers hardware. It is unfair that I have to take my time to make a claim to validate my rights, when I supposed to make other stuff like preparing myself for the test and working. And have to walk like 8 miles far away from my house to visit the Firstbank of PR XXXX Branch to transferred my money from personal account to y business account to protect it from those merchants, to deliver a claim explicative letter and when they took my only replaced transportation on XX/XX/XXXX and left me without transportation 85 miles away from my house without they paid me transportation, and not refund me my advance payment after more than 1year and 6 months that they removed the transportation and discriminately denied me an auto loan in same terms as other applicants. It is unfair that I have to pay {$20.00} for optional external public transportation to get to the branch to request another visa debit card when i need it next Tuesday. And it is not true that I have time to request before the trip because it is very difficult to me to visit the banking branch regularly as their associates assumed that everybody have own transportation an in not considered way said that i had time to request it and don't do it.Also i found that Ineed another refund for charges of intellius in XX/XX/XXXX for {$29.00} it was an unauthorized charges.
11/25/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 009XX	Web
On XX/XX/XXXX my former husband, wrote to me through an email that he was going to arrange with MrXXXX XXXX XXXX a mortgage for our childrens home. First Bank, in which Mr. XXXX was working as an important mortgage official, obtained the income verification documents from Mr. XXXX exclusively. They arranged the " Ability to Repay '' income verification required documents and informed me to go to the bank for the closing on XX/XX/XXXX. I was ordered by the family court to make the mortgage payments as the childrens custodial parent. It was my understanding that the mortgage as well as the property title was going to be under my former husbands name and mine. Keep in mind that my former husband was the chief financial officer of a First Banks company client with total liabilities over {>= $1,000,000}, and I was told that several bank executives had company stock ownership with this client. Therefore, my former husband represented a related interest in accordance with independence standards in Federal Reserve Board Regulation O section 215.4 ( b ). On XX/XX/XXXX, First Bank originated a deceiving, abusive and unfair mortgage loan with me, which failed to comply with Public Law 111-203 from XX/XX/XXXX known as XXXX XXXX XXXX Reform and Consumer Protection Act. Specifically, First Bank failed to comply with Title XIV-Mortgage Reform and Anti-Predatory Lending Act, Sec. 1411. Ability to repay. This section states that : In accordance with regulations prescribed by the Board, no creditor may make a residential mortgage loan unless the creditor makes a reasonable and good faith determination based on verified and documented information, at the time the loan is consummated, the consumer has a reasonable ability to repay the loan, according to its terms, and all applicable taxes, insurance ( including mortgage guarantee insurance ), and assessments. Furthermore, item 4 states that : A creditor making a residential mortgage loan shall verify amounts of income or assets that such creditor relies on to determine repayment ability, including expected income or assets, by reviewing the consumers Internal Revenue Service Form W-2, tax returns, payroll receipts, financial institution records, or other third-party documents that provide reasonably reliable evidence of the consumers income or assets. In order to safeguard against fraudulent reporting, any consideration of a consumers income history in making a determination under this subsection shall include the verification of such income by the use of- ( A ) Internal Revenue Service transcripts of tax returns ; or ( B ) A method that quickly and effectively verifies income documentation by a third party subject to rules prescribed by the Board. First Bank originated this mortgage loan without requesting the consumers documents as part of the required income verification process. No income tax return, financial institution statement, W-2, nor any other income verification from a third-party document was requested from me. Instead, they only asked me to authorize First Bank to verify my credit on XX/XX/XXXX, for which I agree since it was made in accordance with my understanding that my former husband would be a co-signer. At the closing, I was presented with a co-signer document with my former husbands name, who had represented to me that he was going to apply for a mortgage loan with them. I was deceived in believing that the mortgage was made for both property owners ; Mr. XXXX and me. However, First Bank excluded my former husband from the mortgage loan even though he had the ability to repay the loan, I did not. Moreover, I have applied for loss mitigation in 18 instances and was able to complete the required loss mitigation documents 7 times, beginning on XX/XX/XXXX and ending on XX/XX/XXXX. Reasons listed by First Bank to deny my loss mitigation applications are my inability to repay, which in fact, it was First Bank who deceived me into believing that the mortgage loan was made to the property owners and since the origination, First Bank failed to verify my ability to repay. In addition, First Bank failed to comply with the following requirements of 12 CFR Section 1024.41 Loss mitigation procedures during the seven years I have been applying for them : ( b ) ( 2 ) ( i ) ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. o I have not been notified within 5 days after the receipt of the loss mitigation applications. ( b ) ( 3 ) ( c ) ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; and ( ii ) Provide the borrower with a notice in writing stating the servicer 's determination of which loss mitigation options, if any, it will offer to the borrower on behalf of the owner or assignee of the mortgage. o A foreclosure suit was filed on XX/XX/XXXX without providing any loss mitigation options to any of my applications including one on XX/XX/XXXX application when the house had a purchase offer of {$590000.00}.
06/22/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00729	Web
On XX/XX/XXXX, I called the customer service area for unauthorized debits in my bank account. I talked to XXXX XXXX XXXX, when validating the data, I corroborated the information, it did not allow me to make the claim that day, she recommended that I perform a validation of all months of unauthorized debits and submit a single claim. You never mentioned that the claim term will only cover 60 or 90 months. During the call, the card was canceled and they informed me that there were some debits in transit that would be rejected. ( something that didn & # XXXX ; t happen ). This information can be validated in the recording that was monitored and recorded. Complete the data validation process with the instructions indicated by XXXX XXXX XXXX, on XX/XX/XXXX call and talk to XXXX XXXX XXXX. This employee reviews the debits from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX, I process the claim and they tell me that the theft, as it was due to card cloning, would be returning all the money, that the approximate amount was {$2500.00}, an amount related to the one reviewed by me ( this information can be validated in the recording that was monitored and recorded ) This conversation gave me peace and confidence from First Bank. During this conversation, the term of XXXX was never mentioned. If he told me that I could go to the branch, request a loan for that amount since eventually all the money would be returned ( XXXX ). I was told that the investigation would last 10 days. ( it would be for approximately XX/XX/XXXX ). I did not receive a response from you, I proceeded to call on XX/XX/XXXX to find out the date of deposit of my claim. XXXX XXXX XXXX answered me and told me that the resolution was completed and that I would be receiving a letter by regular mail. I told him that I had not received the letter at the time of this call. I am informed that the claim is not applicable because it exceeds the term established by you at that time, mentioning 60 days. He told me to wait for the letter and if I have any doubts or any other claim to call back. On XX/XX/XXXX I proceed to call since I have not received the letter and requested to speak with a supervisor ( this was an orientation that my lawyer gave me ). XXXX XXXX XXXX attended me, I explained my situation to her, I requested that the recordings be heard because the employees who attended me in previous conversations did not do their job correctly since they never mentioned that the term was XXXX or 90 days and they remained firm to indicate me in the total return of the money debited from my account without XXXX authorization XXXX. I requested the postal address of the CFPB XXXX, it was not provided to me since, according to XXXX XXXX, she could not provide me and could only provide me with a telephone number. I feel frustrated, disappointed and cheated by First Bank. They fed my hope in the total return of the money to later disappoint me in that way. I will be submitting this same letter in XXXX to the CFPB regulator ( I am including the email address in case it can help you with other clients who face the same situation as me, due to the weakness of their fraud control monitoring system, I would think that I am not the only client going through such a tragic situation ) the address is the following : consumerfinance.gov. The other letter will be addressed to the Commissioner of Financial Institutions to see if in any way they can help them create robust processes that allow them to take care of their clients & # XXXX ; money by establishing controls against XXXX through constant monitoring. If the intention was never to return the money, I would like to know what was the purpose in requesting an analysis and evaluation of the debits in my account during the year of the fraud ( it was a waste of time that I consider a mockery, deceit, disrespect and loss of time for me ). The result was fewer days in my favor on the claim. I request that you reevaluate the claim for the return of the total money indicated by your staff ( {$2500.00} ), if not, that you rely on the undisclosed 60 days. They should take into consideration as a claim the date of XX/XX/XXXX, which was when I intended to submit the claim, but the expert staff of the customer service department did not allow me. Originally my account was with XXXX XXXX, you bought the portfolio of deposit accounts. I need you to send me a copy of the & quot ; Welcome & quot ; disclosure sent to you by customers acquired from other Banks. They tell me the cost of the document and when I can pick it up. During this year my mother became ill with a terminal condition which did not allow me to keep an eye on my account frequently. I always trusted you as a Bank and rest in the security of your systems. When my mother died, I resume my life and my finances, I realize what is happening with the account. You even allowed the latest fraud transaction to enter my account because it was in transit and did nothing to stop it, which I will never understand. My opinion of First Bank is that those employees do not have the training to deal with fraud situations, that the bank does not have robust controls that allow it to ensure the financial part of clients free of fraud and/or theft. I am making my arrangements to close my First Bank account and move to a Bank where my money is safer and I will never live a nightmare like this again. XXXX tuned XXXX XXXX XXXX XXXX
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
Because First Bank wants to be responsible for this Santander Bank horror, is not just an error, because of the unfair and against the Law consequences on the clients credit report, that no matter Santander sold their Puerto Rico division to First Bank, they still exist and operate in many countries, including the U, S, A. and their original XXXX. I have to submit a complaint against First Bank, against my own will, because is ridiculous, because of the following : 1. Santander Bank reported my Certified Payment Agreement for my XXXX XXXX Master Card with them, Santander, as paid to a collection agency, but that was not true, not even 1 single payment was paid to a real collection agency at all ; all the 48 payments of this optional payment agreement were paid directly to Santander Bank at their own Santander Bank branches here in Puerto Rico, and by the time the last required payment was made, which was last XXXX XXXX XXXX, Santander Bank branches were still operating independently, like when Santander Bank was active in Puerto Rico. Even as I type this, the Santander XXXX XXXX XXXX branch, is still operating even with the Santander sign at its entrance ; 2. Mrs. XXXX XXXX XXXX, who identified as an Esq., or Lawyer, wrote a letter but on behave on First Bank, not Santander Bank, because I never complained against First Bank about this because is totally against the evidence which anyone can verify in a simple manner, that I still owe the amount of {$220.00} dollars with XXXX cents, as of XXXX XXXX XXXX? BUT THAT IS IMPOSSIBLE : THE LAST PAYMENT OF THE OPTIONAL CERTIFIED PAYMENT AGREEMENT WAS MADE ON XXXX XXXX XXXX, 1 MONTH BEFORE REQUIRED, AND IN FACT, IT INCLUDED THE LAST 2 PAYMENTS IN JUST ONE, AND LAST XX/XX/XXXX MRS XXXX XXXX, FROM SANTANDER, THE SAME MANAGER WHO SIGNED THE OFFICIAL SANTANDER LETTER CERTIFIYING THIS AGREEMENT BACK IN XXXX XXXX XXXX MADE THE ARRANGEMENTS SO I WAS ABLE TO RECEIVE ANOTHJER OFFICIAL SANTANDER LETTER CERTIFYNG THIS MASTER CARD CREDIT CARD HAS A XXXX BALANCE, AND THE LETTER CLEARLY SHOWS THE LAST DIGITS OF THE CREDIT CARD, THE DATE, THE SANTANDER LOGO, AND WAS SIGNED BY SANTANDER DEPARTMENT OF INVESTIGATIONS, SEE THE LETTER INCLUDED. 3. WHY FIRST BANK ACCEPTS TO BE IMPLIED IN AN INVESTIGATION THAT REACHED THE WHITE COLLAR DIVISION OF THE FBI LAST XX/XX/XXXX, WHEN THEY ARE NOT RESPONSIBLE FOR SANTANDER BANK ACTIONS BEFORE THEY BOUGHT THE PUERTO RICO DIVISION LIKE IN THIS CASE? 4. IS IT BECAUSE, SANTANDER ADDED THIS AS A CONDITION FOR SELLING THEIR PUERTO RICO DIVISION OR BECAUSE THE CASE WOULD BE DISMISSED AND THERE WAS NOTHING ELSE WE COULD DO, NO MATTER CORRUPTION FROM JUDGES IS INVESTIGATED, AS WELL AS THOSE WHO SPONSOR IT? 5. MY PERSONAL LOAN WITH SANTANDER ; WAS ALSO FULLY UPDATED AT SANTANDER BANK, NEVER PAID TO A COLLECTION AGENCY, WHY ANYONE CAN'T SEE ANYTHING WRONG AND STRANGE WHEN THE SAME BANK WHICH GRANTED THIS LOAN, GRANTED PAYMENT EXTENSIONS, RE-STARTED TO RECEIVE THE REGULAR MONTHLY PAYMENT BACK IN XX/XX/XXXX, AFTER LATE CHARGES WERE PAID ALSO, AND THEN THE REGULAR MONTHLY PAYMENT CONTINUED AT THE SAME BANK! FOR SEVERAL MONTHS UNTIL THIS SAME LOAN WAS FULLY UPDATED LAST XX/XX/XXXX, BUT THEN SANTANDER BANK DECIDED TO FORBID ME TO CONTINUE PAYING IT? OF COURSE SOMETHING IS WRONG, BUT NOBODY CARES, WHY? 6. AGAIN, FIRST BANK HAS NOTHING TO DO WITH THIS, THEIR XXXX XXXX XXXX RESPONSE, CLEARLY SHOWS THEIR OPERATION WITH SANTANDER IS STILL IN THEORY, THEY WERE AND STILL ARE, INDEPENDENT BANKS FROM EACH OTHER, AND THE OTHER STILL HAS NO IDEA OF WHAT THE OTHER ONE DID IN THIS CASE, AS THE LETTER INCLUDED SHOWS ; BUT WHY ALL THIS? BECAUSE SANTANDER ACCEPTED THE SALE AND THIS WAS INCLUDED AS PART OF THE TERMS OF THEIR AGREEMENT? 7. NOBODY CAN ACCEPT THAT TGHE PAYMENTS WE MADE ARE REPORTED AS PAID TO A COLLECTION AGENCY WHEN NONE OF THOSE PAYMENTS WERE PAID TO ANY COLLECTION AGENCY AT ALL, MUCH LESS CAN WE ACCEPT THAT BOTH ACCOUNTS WERRE NEVER UPDATED AS REQUIRED BY THE LAWS WHEN THEY WERE UPDATED THERE ARE NO 50 LATE PAYMENTS TO THE CREDIT CARD, IT WAS THAT THE 48 PAYMENTS WERE REPORTED AS PAID TO A COLLECTION AGENCY BUT THAT WAS NEVER THE CASE ; 8. THE LETTER FROM THE LEGAL REPRESENTATIVE OF THE COLLECTION AGENCY, INCLUDED HERE, CLEARLY SAYS SANTANDER WAS GOING TO SOLVE THIS PROBLEM BY BUYING BACK THE CREDIT CARD FROM THE COLLECTION AGENCY XXXX XXXX, BECAUSE THEY RECOGNIZED THIS CREDIT CARD WAS PAID DIRECTLY TO THE BANK UNDER AN AGREEMENT, BUT, SANTANDER, BOUGHT BACK THIS CREDIT CARD TO SOLVE THIS PROBLEM? ALL THE EVDIENCE SAYS THAT NEVER TOOK PLACE, AND THAT WAS THE REASON FOR THE 90 DAYS DELAY IN REPORTING AND HAVING A LETTER CERTIFYING MY CREDIT CARD BALANCE IS XXXX SINCE XXXX XXXX XXXX ; see 3 page 3 of document called Merge Result to see XXXX XXXX sign on XXXX XXXX XXXX letter, as well as others documents already received by Santander and the Courts. 9. FIRST BANK AS WELL AS AXXXX XXXX, KNOWS THE DAMAGE IT CREATES ON OUR CREDIT REPORTS WHEN THIS IS UNFAIRLY ALLOWED, BUT WHY IS HAPPENING, AND A LAWYER PUTS THEIR LICENSE ON THE LINE FOR SOMETHING LIKE THIS? FOR MONEY? HOW MUCH MONEY IS WORTH TO BE INCLUDED IN A WHITE COLLAR INVESTIGATION, WHEN YOU ARE NOT RESPONSIBLE FOR IT?
07/04/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR XXXXX	Web
I would like to rport FirstBank of XXXX XXXX bbecause they are impeding and blocking my deibt card puschases and transactions many times more than five times in the last two months deliberatley due to an claim that I submitted in XX/XX/XXXX rquesting my downpayment of XXXX loan that they discriminated disapproved and they violate the rules of the Department of Consumer and they knew that a lockdown due to Covi19 is coming in those dates, and treat me with less favoruable terms that other applicants and denied me access to my invoice purchase, car loan contract agreement during the first30 days and now their legal representation dilated more the process of the view they denied to refund me my money as the rules said and denied topay me the expenses of the claims as the rule said.They in conjunction with the dealer are making fraud and I have the evidence they obligated me to signed a document that they used to obligated the consumer to pay aditional after they sold the car to the insurances and they after received the insurance payment, sell the unit again and or use it to rent to federal goverment and other entities, they are receiving thre to four times the value of the units and making fraud and scam consumers to bank denied the loans in the temrs that dealers imposed in a credit discrimination and other discriminations as gender, and other types, they identified possible scammed victims and making this actions all over again and again, inmy case in the middle of earthquakes disaster XXXX and covid19 disaster XXXX, and know are blocking me to access to mymoney in my account. In XXXX, XXXX they blockedmy commercial account and personalaccount duuring a educational and business tripthat I have to Florida, I checked my atm cards balances and have more thanXXXX and then Itried tobuy gas to arental car near XXXX XXXX XXXX before return the rental car andIca n't use it both atm cards, they blocked immediatelyI checked my balance in XXXX atm machine in XXXX XXXX due to that I received an agressions of XXXX women when I request my receipts to the cashier and have to pay my gas in cash. I have to calledthe bnk to request the use of my money after left the XXXX XXXX station. Then consequently more than 4times when I tries to buy clothes andother needs via internet becase they took my car and left mewithou transportation they consequently declined my atm visa debit cards and the card have more than {$1400.00} to buy a {$29.00} tshirt, then I tried to buy another tshirt other day for {$40.00} and they declined my card twice, the account have more than {$1000.00} in balance for the purchase. The atm card have chip to identify where I am using it. They are accesse to my XXXX and other socialmedia and blocked my accounts to impede my access to the money. Again I have tocall to request the access to mymoney. Then other dayy I trie dto buy lunch and they denied me a {$3.00} cost transcation in a local XXXX named XXXX XXXX because I was in my old town doing some pending thinsg to do and they want to restrict my visits and my liberty and violated again my rights. Yesterday again they declined a purchase of atshirt to make businesss with a new partners, they decline my atm card for {$40.00} and Ihave more tha {$1000.00} in my account, I have to call again and it is like I have to request permission tothem to use my account, to buy my stuff to went out to the places I want to go and Ihave to go like if i dont were a free citizen and if Ihave no rights. They again asked for every transaction that I makerecently and they are doing this in a revenge for the claims and impugnation that I make about a banking institition legal representation relatives that take revenge on me andviolates my rights and caused me a lot of suffereings, lossess and damages. They are blocking me my account in a revenge acts for the justified claims that i submitted against the institution asking the refund of my money. In XXXX I bought an apartment and pay more than {$300000.00} and XXXX they violated my rights in conjuction with my exhusband and his legal representation and took the property and the money as well after my divorced I have to left the property making me to stay without my home and without a roof, and forced me tothis date to pay rental for my home. They have the money and the property, and they are continuously discriminated me due to they are related with my exhusband current partner, they are their relatives and in that way he paid his legal representation to win the case. I need to report that firstBank are making alot ilegal stuff against me. They re accessing to my personal account, they are blockedmy access tomymoney and they treted me in less favorable terms to oher applicants in a revenge for defend myself against the things that they have done to me.
02/26/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 080XX	Web	Older American
RE : XXXX On XX/XX/XXXX, I, XXXX XXXX XXXX submitted a complaint against FIRSTBANK PUERTO RICO. Original complaint copied below : [ As of XX/XX/XXXX, I was appointed guardianship of my mother, XXXX XXXX, and the bank told me that they need me to go over there and get a lawyer to take the paperwork to the court. And that I need to go to XXXX XXXX with my mother and she has XXXX XXXX. I called, and they asked for the account number, and they transferred me to the local bank where they have the money. They told me ; you know we are not supposed to give you any information. I stated yes, I found that out in XXXX, and that was that my sister or I are not able to get information because she was living with a man ( now deceased ), and that he manipulated her to do that. Prior to that, my sister and I were beneficiaries on her account. She was not in her right mind due to XXXX when she did that. Because of me not being able to access her money, she is not eligible to get benefits with Medicaid or Medicare. She only qualifies for the SNAPS. All the other financial responsibilities fall on me for her meds, her diapers, I pay for her medical clinic visits, but I can not pay her medical bill for the hospital that is escalating, I am on a limited income. I already owe my daughter for fees to get the guardianship for my mom, and I can not even afford to repay her. What is the process of getting this account to New Jersey because First Bank is not cooperating? I had difficulty setting up an online account. I went to my bank here with the paperwork thinking that they could make that transaction happen, but they said that they can not do that. ] On XX/XX/XXXX, FIRST BANK PUERTO RICO responded, their response below : [ On XX/XX/XXXX, FirstBank ( the " Bank '' ) received complaint number XXXX from Mrs. XXXX XXXX ( Mrs. XXXX and/or the Complainant ). The Complainant alleges that as of XX/XX/XXXX she had been appointed guardianship of her mother, XXXX XXXX. She also alleges that she has been trying to close his mother account with FirstBank and the Bank told her she should go to XXXX XXXX and personally take care of the paperwork to close the account. Complainant is requesting that the Bank closes the account and mail her a check since they are both living in the United States sin XX/XX/XXXX. Immediately following the receipt of this complaint, it was referred for investigation to the proper business unit. After reviewing the complaint and the account related to it, the Bank can not release information to Mrs. XXXX XXXX since it shows from our records that she is not the account holder, nor an authorized person in the account. The Bank has not been notified of any transactions done with the Complainant, nor receive any authorization from the account holder to release the information on the account. Although the Complainant includes a petition for her mothers guardianship submitted to the court, she does not include a valid court document where she is appointed her guardian. To protect the privacy and information of our clients, FirstBank does not release information to unauthorized persons. We invite the Complainant to contact the account holder directly to address this situation or provide the Bank documentation necessary that demonstrate she is authorized to obtain information about the account. FirstBank is fully committed with compliance of any regulation that affects our operations and furthermore, with the full satisfaction of our clientele. Should additional information or clarification be needed, do not hesitate to contact FirstBank. ] My new complaint and provision of said documents that were not received in the original complaint : 1. XXXX XXXX is XXXX. She has XXXX XXXX. 2. I submitted all the documents my attorney, XXXX XXXX XXXX provided, however, I was not aware I did not have in my possession the actual judgment. When communicating with XXXX attorney XXXX XXXX, XXXX she provided me with a copy of the judgment of guardianship appointed to me. 3. I have uploaded/attached the Judgement of Incapacity and Appointment of Guardian of the Person and Estate and the certified letter of guardianship. 4. For the record, FIRST BANK PUERTO RICO makes it extremely difficult to be contacted. The phone number provided to me was of no use. No one answered the phone or I was holding the line for a very long and exhausting length of time. 5. Being that the bank is fully committed to compliance, is all about the best interest and full satisfaction of their clientele ; I look forward to seeing this resolved quickly and to be treated with the utmost in customer service. I request the account to be closed and have a certified check to be mailed out to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
Requesting the C.F.P.B. to sue XXXX XXXX and First Bank for Willful Fair Credit Reporting Act Violations The credit card account was not a loss. Was reported as a loss by XXXX, and now First Bank certified, once again, after XXXX XXXX, their First Bank attorney, that the XXXX against the Law report saying it was a loss, which is false, is correct? No account that was not a loss can be reported as a loss, but that is not their policy at both banks, XXXX and First Bank : If an account was fully paid to the original bank, it was not a loss, the credit report from XXXX, provoked a 7 years credit damage that was against the Law, now backed by First Bank, which has the same policy. How many clients found this problem after paying the account directly to them, were penalized with a false loss report damaging their credit reports for 7 years? This fraudulent and against the Law credit report provokes the client, myself or any other, only qualifies for 7 years at financial institution owned by First Bank like XXXX XXXX, and was precisely First Bank through their subsidiary XXXX XXXX the one who approved my loan which I used to fully update the XXXX Loan back in XX/XX/XXXX, and after 34 regular payments of {$260.00}, back in XX/XX/XXXX, XXXX decided to refuse my regular monthly payment, and returned this XX/XX/XXXX payment 4 days after, rejecting the complaint I filed at the back then XXXX XXXX XXXX through their bank officer XXXX XXXX. All this information is precise, correct, and according to the Fair Credit Reporting Act, all this has to be reported, but no, was not reported with precision and exactness, because the bank policy is what they recognize at the moment of truth, not the Law Fair Credit Reporting Act, just because is more convenient for the Bank, to unfairly leave the customer with an against the Law fraudulent and false credit report that damages his credit for 7 years, so he or she could only qualify at their subsidiary, XXXX XXXX, which is no other than First Bank operating under other name, the loan application with documents was and are sent to First Bank officers for approval or denial, and at the financial subsidiary, the interest rate charged is for affected credit, at 34.95 %, 29.95 %, 24.95 %, or always at a higher interest rate than at the First Bank branches, meaning the bank earns more money with us that when we qualify at the bank by far. XXXX XXXX XXXX paid and closed loans still appear on my XXXX XXXX credit report as shown at the XXXX XXXX credit report of today, XX/XX/XXXX provided for free by XXXX XXXX free credit reporting service, no matter, I made more loans through First BankXXXX XXXX XXXX XXXX is just that those do not appear anymore at the credit report because of the years passed. This is not the FICO credit report of today, The main issue here is that XXXX, and now is more than certified, First Bank, have a policy against the Law, where they both report accounts that are not losses as loss, damaging against the Law their own clients credit, to take advantage of this situation created by their false reported loss, no matter against the Law, and have the opportunity for 7 years to charge the same customer they have, more money in interests for the same loans than at their First Bank and XXXX XXXX branches, where the interest rate is much much lower, meaning both Banks earn less money at the Bank branches. And not only that : then the customer has also not only his or her credit against the Law, damaged by false reported losses, because it was not really a loss, much less the credit report include with precision and exactness all that really took place, as the Law requires : The other banks do not consider the client favorably : Because he or she has loans at finance institutions, like First Bank, who owns XXXX XXXX, the same one who approved my loan back in XX/XX/XXXX precisely as reported to them, to update my XXXX XXXX XXXX XXXX, a XXXX division they ended buying for {$1.00} XXXX XXXX years after this loan was approved and paid by myself, precisely to First BankXXXX XXXX XXXX The evidence clearly shows both Banks say they have to report this accounts as a loss no matter, what they do reporting a false account loss is against the Law : Their policy in this provokes all this damage my complaints filed show, and is against the Law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR XXXXX	Web
Incompetence is the best word that describes this bank. This new complaint will be answering their last response of the previous complaint. ( ... ) and set up a method with the Insurance Company in order to guarantee that the checks are timely received and processed. Answer : Set up a method with Insurance Company in order to guarantee timely received and processed? SERIOUSLY? The insurance company send the check on XX/XX/XXXX ( revised with XXXX XXXX from the Insurance Company. A check of {$26.00} was send ) and THIS MONTH THE PAYMENT HASN'T BE POSTED. Once again, a late fee and biggest interest charge because employees can do their work. Nevertheless, she insists that the Bank charged her excess interest, consequence of posting late the insurances checks, accruing interest over a higher balance, which caused the account to go on overdraft. As a resolution, Complainant requests the Bank removes the interest accrued that caused the overdraft, which total {$140.00}. After receiving the complaint, the Bank conducted an investigation in order to resolve Complainants concerns. As we expressed in our last response to complaint number XXXX, the Bank talked with the insurance company in order to set up a more efficient procedure to receive insurance payments in order to receive and processed the checks timely. Answer : Am I wrong in claiming the accrued interest? There's no better proof that this new statement. It's obvious that if this lazy bank charge post the payment late, interest will be accrued and SHOULD be fixed. Reversing late fees and posting the payments DID NOT decrease interest accrued WRONG BY THE BANK. The " investigation '' was extremely poor. Again ... which is the procedure to processes check timely? I didn't see that in XX/XX/XXXX. With regards to Mrs. XXXX allegations that the Bank overcharged her {$140.00} in interest, we do not agree with this interpretation. The total of {$140.00} is the sum of all the interest charged by the Bank from XX/XX/XXXX to XX/XX/XXXX. Our investigation showed that, before starting to receive the benefits of the unemployment insurance, the Complainants account had a balance, which had yet to be paid by the Complainant. Since the insurance covers only the minimum payment required by the account and since Mrs. XXXX has not contribute significantly to the payment of the pending balance, such balance continues increase by the accrual of owed interest and additional charges, such as new purchases and insurance monthly payment. Unemployment insurance payments only cover the minimum payment for the account each billing but does not stop interest from accruing over the balance pending payment in the account. Therefore, the complete amount of {$140.00} is not an overcharge by the bank, but the sum of the accrue interest the Complainant agreed to pay in her credit card agreement for any unpaid balance. On the other hand, the Complainant alleges that the Balance had been increase by the failure of the Bank to timely input the insurance payment. It is important to note that the Complainants account accrues interest every billing cycle based on the average daily balance and not on a daily basis. Thus, interest will be calculated at the date when the statement cycle closes over the average daily balance. Answer : Exactly. From XX/XX/XXXX to XX/XX/XXXX ALL THE PAYMENTS were late posted with interests accrued and not fixed. It's simple math. If the monthly payments were posted TIMELY, the interests WOULD BE WAY LESS. I know the Insurance just pay the minimum but as you can see ... when was the last time I used that credit card? Do an investigation ... Oh! And I don't alleged, I TALK WITH PROOFS. FirstBank is fully committed with compliance of any regulation that affects our operations and furthermore, with the full satisfaction of our clientele. Should additional information or clarification be needed, do not hesitate to contact FirstBank. Answer : Not true. Committed with compliance it's not the best job of the bank. They set up a false process to timely post the payments and it hadn't happen. Once again this month the payment is not posted, I have a past due amount, a late fee and more interest accrued.
12/08/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00949	Web
This is the second letter informing the claim of transactions in the account XXXX not made by me. From XX/XX/2020 to XX/XX/2020, it was not possible to see the account statement through digital banking because the system was down for 4 days in First Bank Puerto Rico and we did not detect false transactions in time. They start from XX/XX/2020 and are defined in this list. 1. XXXX XXXX XXXX in the amount of {$100.00} 2. XXXX XXXX XXXX XXXX for the amount of {$4.00} 3. XXXX XXXX XXXX for the amount of {$6.00} 4. XXXX XXXX XXXX for the amount of {$8.00} 5. XXXX XXXX XXXX XXXX in the amount of {$12.00} 6. XXXX XXXX XXXX for the amount of {$16.00} 7. XXXX XXXX for the amount of {$19.00} 8. XXXX XXXX in the amount of {$25.00} 9. XXXX XXXX XXXX XXXX for the amount of {$38.00} 10. XXXX # XXXX in the amount of {$49.00} 11. XXXX XXXX XXXX in the amount of {$61.00} 12. XXXX / XXXX # XXXX in the amount of {$66.00} 13. XXXX XXXX # XXXX in the amount of {$87.00} 14. XXXX XXXX XXXX XXXX in the amount of {$94.00} 15. Withdrawal at XXXX XXXX XXXX XXXX for the amount of {$160.00}, in this transaction it can be corroborated by a photo taken at the time of withdrawal that the person is definitely not me. The total of these are {$740.00}, not counting the surcharges of overdraft in the account that until today are {$120.00} dollars, not including other surcharges charged for transactions made. A claim was made with the gentleman XXXX XXXX with reference number XXXX on XX/XX/XXXX, which was denied by First Bank, which nobody informed me and I had to continue contacting the service center to know the result, learning about the effect. I went to the XXXX police headquarters and filed a complaint with the number XXXX with Agent XXXX plate number XXXX explaining the situation, which no one from First Bank told me to do. A reconsideration was made from intrusions of the service personnel on XX/XX/XXXX with number XXXX and it was indicated that there was a complaint in the police reporting what happened, they told me to call in a week to know the result. On XX/XX/XXXX, I contacted the service center, asked for a manager and they connected me with Mr. XXXX XXXX, he had indicated that he would be taking this information to the management as well as monitoring the situation and that I would ask for him, after a week I contacted the service center looking for the gentleman, but he was not found and I could never contact him again because he was supposedly not available. I communicated to the service person my annoyance and the poor investigation they had done and how it was possible that they would deny it without evidence, the service person tells me that the evidence was not given to the client because it was an internal investigation, which I answered my frustration and that one of the transactions was made on an ATH machine and there should be a photo of the thief. I contact the service center on XX/XX/XXXX to follow up on the reconsideration and I find out that this has also been denied, ask how it was possible that they reached such a conclusion without presenting evidence because that money is not theres, it is mine. I immediately demand a manager and I am contacted by Mrs. XXXX XXXX, she tells me that when the reconsideration was denied I should write a second letter detailing what happened, with much annoyance, but respectfully accept and it is today that I am writing to you. How is it possible that they make these decisions without having communicated by phone call, letter or email, having all the necessary information to let me know the decisions, as well as showing proof of how they reached these conclusions. The transactions exposed in this document were not made by me and I claim the evidence on which they say that it was me. The withdrawal of {$160.00} dollars I did not do it and supposedly there are photos of the criminal in the machine that can prove what I am saying, also no family member or close person used the card without my authorization because the card was and has always been in my possession.
07/24/2015	No	Consumer Loan Installment loan	Shopping for a loan or lease	PR 00949	Web
Visited XXXX XXXX, a subsidiary of First Bank, please check bottom of their site, XXXX # XXXX located in XXXX XXXX XXXX , XXXX , and because my experience with them until hours ago, was excellent in terms of service and with XXXX different loans, I took a special case to them, and I specifically asked their female representative, named XXXX, that I wanted them to evaluate this case without making the credit inquiry, because my credit with XXXX XXXX is affected due to a too late recognized problem by XXXX XXXX last XXXX XXXX 2015, because of another complaint I have under company review here at CFPB, case XXXX , no matter XXXX XXXX recognized the error , the fact is as of XXXX XXXX 2015, the incorrectly reported negative account still appears on my XXXX XXXX credit report as financial institutions like XXXX-First Bank are using , showing this problem. No matter I gave this specific instructions to evaluate this special case without making the inquiry, they did it without my authorization, and the officers just send a message through XXXX saying " that is a problem of XXXX XXXX '', that is not their problem, so they made the inquiry and made my credit score even lower, having the evidence on their hands with specific instructions of not making the credit inquiry, no application for the small loan renewal of {$1200.00} was made at XXXX XXXX, and they did n't even took the time to at least call me first at my phone number, or personally at their branch in XXXX, to ask for permission to make the credit inquiry, because they were specifically asked by myself personally, through their representative XXXX, for not to make the credit inquiry. They did n't care, knowing the credit score lowers even more with the inquiry, and they offered to approve the loan renewal at even a higher interest rate than the XXXX offered back in XXXX 2015 when it was made for this amount, at 34.95 % interest, because this error was present, they did n't check or considered that XXXX and XXXX does not have the error posted since XXXX 2015, and the documents I handled to XXXX that were received, also have that evidence, so they simply gave importance precisely to the XXXX XXXX report, F.I.C.O, version I was showing evidence that is affected by this error as if I never spoke to them about it and no evidence was shown and handled to them about it, no matter the previous years of experience with them, they made an unauthorized credit inquiry at XXXX XXXX, not considering the others at all, knowing this lowers the credit score. How they at XXXX XXXX will do something like this, because my previous experience with them was excellent? I was really surprised with this kind of unfair treatment on their part, and not knowing that precisely, you also handle this kind of complaints here, also contacted the XXXX of XXXX. Florida hours ago. But, no confirmation of the complaint was received from them yet through e-mail, and they are not a U.S. Government Federal Agency like you at C.F.P.B, so I noticed I can file this kind of complaint here also minutes ago, that is why I did it. I found about this inquiry, because after rejecting their offer of 36.95 % and {$140.00} payment for this loan renewal, I visited another financial institution were they informed me about an inquiry today, and I simply called XXXX XXXX at the phone number written at the start of this complaint in order to talk to XXXX. I am trying to evidence all this with XXXX more complaints because is not only XXXX XXXX, this banks are like capitalizing with bad practices about all this, as I will show not only with this complaint here and the one against XXXX XXXX, is like a scheme, that is my opinion, they ignore the other credit bureaus, and use the one that allows them to sell for more their loans.
07/26/2017	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 350XX	Web	Older American
1. I moved from my home to another state and separated from my husband in XXXX. 2. I knew that the existing low mortgage was manageable by him as the original mortgage was in both of our names and I knew his salary at the time. 3. I was contacted by my then husband in XXXX to give permission to get a new mortgage on the home we co-owned. 4. I gave permission as it was originally his familys home and I did not want any trouble or altercation. 5. When I was contacted by the bank to give written permission I : a. Distinctly asked if I would incur any financial responsibility since thus far I personally maintained good credit. b. I was verbally assured by the bank representative at that time since the new mortgage would be only in my husbands name, that I would not be responsible. c. This was not true. But only his name is on the Note for the bank. 6. In XXXX it came to my attention that the he stopped paying the mortgage shortly after obtaining the new mortgage and I believe at that time the foreclosure proceedings were being initiated. I did not receive any notification from the bank before court proceeding started. 7. I contacted a private lawyer for a consultation in XXXX XXXX XXXX where I was living at the time. He presented 3 options which I did pursue : a. Contact the lender : i. They refused to speak to me since I was not on the bank note. ii. During my second contact they would not speak to me since it was in the hands of the banks attorney. b. Hire a private attorney to represent me. i. I could not afford a private attorney ii. I contacted legal services/legal aid and because of the proceedings being held in a different jurisdiction than my residence I could not use these services. c. If I was not returning to the Island and did not want to challenge the foreclosure, allow it to go through. 8. Ultimately when all else failed, I opted to allow the foreclosure go through despite possible ramifications. 9. I did not relinquish all claim to the house ( QuitClaim ) as advised by the banks attorney since this was clearly on their behalf. I felt I had no legal advice to help me and was completely alone in this matter. 10. I made another attempt to try at resolution. I contacted a mediator headquartered in NY who could negotiate terms between my husband and and I, and with that we could submit our agreement for approval to the bank and court if needed. 11. The attorney for the bank informed me that the Virgin Island courts would only use one of their locally-based mediators which would come at significant cost to me, again which I could not afford. So I proceeded to try and mediate terms on a private level so we could reach a mutual agreement that could be documented. That failed. 12. In XXXX XXXX my divorce from the defendant was finalized. 13. I got the divorce to avoid incurring any further unknown debt my ex-husband may have incurred. 14. I had to prepare and file all the paperwork myself due to financial hardship, so all fees were waived 15. Any documentation that I can summit on this will be what I received through the court since I was not on the note, I have no documentation from the bank. 16. For a number of years the bank was sending communications to my ex-husband at the wrong address, so I do n't know how involved he was in this whole case or if I am being focused on because I am the more accessible. I had to provide the mailing address to the bank 's lawyer and do n't know if it is still the same at this time. The bank initially involved was First Bank of Puerto Rico. The latest communication is now from Federal National Mortgage Association, et. I was told that this is a XXXX XXXX mortgage holder.
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00617	Web
First Bank continues to violate the Federal Regulations that protect the credit of consumers who are protected because we have been affected by the Covid-19 Pandemic. I was in Mortgage Moratorium until XX/XX/XXXX, In XX/XX/XXXX First Bank reported to the Credit Agencies that as of XX/XX/XXXX my Mortgage Loan was more than 120-149 days late, which implies that First Bank included the months of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and XXXX on that Negative Credit Report which is including months that I have protection on my Credit Report under the Cares Act. As of Today First Bank has reported 3- 90-day arrears on my Credit Report which would be equivalent to 9 months in arrears. Consumer Financial Protection Bureau ( CFPB ) extended credit protections and foreclosures until XX/XX/XXXX but First Bank still does not meet those guidelines and has been damaging my credit and reporting arrears since XX/XX/XXXX. First Bank never offered me all the available alternatives for me to get out of the moratorium and re-take my house payments, I was the one who always called them to look for alternatives and they always denied me, I searched among all the options and found a Federal Government Aid and I am under the Homeowners Assistance Fund ( HAF ) Program of the Federal Treasury that provides assistance to people like me who have been affected by the covid-19 pandemic, this program grants the money to pay every month of the mortgage that has not been paid since that the pandemic began, in XXXX XXXX this program is administered by the Department of Housing XXXX XXXX XXXX XXXX XXXX # is XXXX this program offers me some additional protections so that the bank does not continue taking actions against me and respects the government processes that are being taken to pay my house but First Bank does not respect any of that. The Department of Housing asked me for a Certification of Arrears of my Mortgage Loan, I called the Loss Mitigation division of First Bank on XX/XX/XXXX and spoke with XXXX XXXX, I notified her that I needed that document to deliver it to the Housing Department and she told me that this document was not issued by that department that I should call customer service. I called customer service, I made the request for the document and they denied it, they told me that they had sent a reply to a wrong email to another email that is not mine ( as always, First Bank making mistakes ) and they wanted me to make the request for again on XX/XX/XXXX and they told me that this document is worked on by the Loss Mitigation department of First Bank, what I want to tell you I know with this that First Bank, in addition to being a bank that does not comply with federal regulations, is also an abusive bank that does not provide the necessary documents in time for me to receive State assistance. I contacted a lawyer to help me because the violations of First Bank are excesive but I want the CFPB to be aware of all the violations that First Bank commits against consumers and do something about it. Start an investigation of this abusive Bank, I have filed other Complaints and nothing has happened, they write a letter with lies saying that they will give me the corresponding options but it is not true and as CFPB tells me : if they do not comply, come back and file a Complaint, Because I will continue to make complaints in all relevant forums until this matter is resolved.
04/03/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VI XXXXX	Web
I have been banking with FirstBank for a long time. I have never had such problems with them and am disappointed with their ability or willingness to right this situation. On XX/XX/XXXX {$2900.00} was deducted from our account. When we went to reconcile the account in XX/XX/XXXX we spotted this discrepancy and called FirstBank locally. They told us to call the main branch in XXXX XXXX. I called there and a claim was started. This did not result in much more than what was discussed on the phone with XXXX XXXX. They claimed that the transaction was an ACH payment that was removed by XXXX XXXX on XX/XX/XXXX, but that was not done until XX/XX/XXXX. First of all, why would it be done over 3 months later? Second of all, WE ARE XXXX XXXX!!! XXXX XXXX is XXXX XXXX and XXXX XXXX is XXXX XXXX. Both names are on our account. I then called back on XX/XX/XXXX & spoke to XXXX XXXX. She started claim # 2. This also resulted in them stating the same thing again. Since then I have talked to people at Puerto Rico FirstBank main office on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,,, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, & XXXX ( I have names of people and what they said. See attached ). I have yet to get my money back or get an answer to why the money has disappeared. On one occasion I was told that I had to write a formal letter to FirstBank, of which I also did and have attached in the following documents. I have been told various things from it was deposited in a bank in Ohio ( of which I do not own, nor do I have an account in Ohio at all ), that it was a collection agency ( never had a delinquent notice, much less a collection agency after us ), to it being a payroll deduction. We have never done payroll from this account and that also does not make sense. Furthermore, the copy of the bank slip for the deduction ( attached with paperwork ) does not show a customer signature or any indication that someone besides ourselves removed money from the account. Even if we did remove the money, which we did not and do not see the amount deposited in any other account we own, then they should be able to tell us the banking information as to where the money went. They should be able to see what the routing #, account #, and what the bank name & account owners names are. However, they have not been able to give me any of this information either. After months of trying to work through it with them, I am asking for help. Can you please help hold FirstBank responsible for the fraudulent transferring of funds? I was willing to admit that it may have been our error originally, but they have not been able to show me any information that makes sense or help me see that it is a legitimate charge to our account. I ask that FirstBank return every bit of the {$2900.00} that was removed from our account and be held to some sort of accountability. Our money should be insured for such activity on our account and therefore returned, at the least, as an insurance adjusted claim. They should not have the right to remove money from an account and keep that money removed if they can not show where and how that money was debited. ** In the attached documents I have the names, dates, and discussions documented. The last note was made on XXXX. I was promised multiple times by XXXX XXXX that he would call me back with a solution on XXXX. I never heard back from him ... again
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
I decided to include XXXX XXXX XXXX XXXX, because their previous pre approval denials to myself are for the same unfair reasons included here in this complaint, as well as on my more than XXXX complaints filed against Santander and XXXX XXXX, as well as the unthinkable, XXXX Bank, who granted me a loan that I evidenced to them it was to fully update the Santander loan, then they bought Santander division here in XXXX XXXX for {$1.00} XXXX, and decided not to recognize the verifiable evidence showing they granted me the loan, it was used exactly for the purpose I informed to them XXXX in XX/XX/XXXX, and that loan as well as the updated XXXX at santander were both paid as agreed since years ago. I am including evidence about why I can't re apply for pre approval at XXXX XXXX XXXX, their division, no matter their emails keep arriving constantly to my XXXX account recently. Do not know if XXXX XXXX considers this evidence. It was sent through here so it can arrive faster, and for them to see, if they assign a person not a machine to evaluate, that the Fair Credit Reporting Act violations are allowed, as well as Fair Debt Collection Practices Act violations, and nobody does anything about it : XXXX Bank does not provide a space under their pre approval form with no penalty to credit score that I submitted today XX/XX/XXXX, and was denied because as shown in their online provided document, a serious delinquency appears, no matter the evidence I included even up to the Supreme Court shows all that is false, but no matter, no one did anything at any level, credit bureaus, the same Banks Santander and XXXX XXXX, I have to say also the XXXX, which has resources to face this Banks better at the XXXX XXXX when there are violations to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I ask XXXX to put someone, not a machine, to evaluate all this evidence : A summary could be this : Have you ever heard of XXXX main banks presenting themselves as a collection agency at the XXXX credit bureaus? Have you ever heard of XXXX accounts paid only and directly to the original bank, been reported as failed to pay, loss, and on a collection agency, when all that is false? Have you ever heard on main bank reporting a certified payment agreement for a credit card with them, paid directly to them, to the original account number, never to a collection agency, and paid successfully as agreed for XXXX months as the agreement has in writing, being reported as failed to pay, loss, collection, and even as of today, a credit report it still has remaining balance, after more extinguishing all procedures, starting with the same Bank, then the credit bureaus, then the CFPB, and then the XXXX XXXX Courts, but no one did anything? Have you ever heard of a main bank prohibiting a client to continue to pay a personal loan after it was fully updated directly with the same Bank, never to a collection agency, after years it was fully updated and paid as agreed for years after updated, in order to keep reporting without never updating the credit report it was a loss and under collection no matter it is false? All this and more was taken as a last resource to the Supreme Court of the XXXX as well as the XXXX. Corruption Division where frauds by Banks are also investigated, but nothing is happening : Only the pre approval denial like yours at XXXX continue.
10/26/2016	Yes	Credit card	Billing disputes	GA 30809	Web
A check was sent to the First Bank of Puerto Rico to cover the remaining balance of the credit card. This check was for the total of {$49.00} and it was issued directly from my checking account of XXXX XXXX XXXX. The check was sent to First Bank of Puerto Rico on XXXX XXXX of 2016 and the due date for the payment was XXXX XXXX 2016. I checked the statement on XXXX, XXXX, XXXX, and XXXX and there were no signs of any amount due or overdue for this credit card. There were new charges on those months which were paid off entirely using the same way that it was done with the XXXX XXXX 2016 payment. By XXXX XXXX of the same year, the XXXX XXXX check was already 90 days old and it was n't cashed by First Bank of Puerto Rico. Therefore, XXXX XXXX XXXX put a stop to the check and cancelled it per their bank policy. By XXXX XXXX of the same year First Bank of Puerto Rico attempted to cash the check ( which was already cancelled by XXXX XXXX XXXX more than 2 months back ) and it was unsuccessful. Then, First Bank of Puerto Rico proceeded to threat the amount owed as an overdue/unpaid amount since XXXX XXXX 2016. As a consequence, First Bank of Puerto Rico posted and made two late fee charges from XXXX until XXXX 2016, applied and added corresponding interest rate to those late fee charges and to the owed amount, and lastly reported a delinquency to the credit bureaus for this account. All this, which was posted in the credit card statement by XXXX XXXX, without sending a single communication from First Bank of Puerto Rico to myself about the issue. I found about all this by myself by reviewing the statement that came out by XXXX of 2016 for the credit card. As soon as I discovered this I proceeded to contact First Bank of Puerto Rico about it. First Bank acknowledged that they received the check by XXXX XXXX 2016 but they allegedly were not able to cash it due to lack of funds. I opened a case with First Bank to initiate and investigation and they asked for 10 business days to come up with a resolution. Later that same day I contacted XXXX XXXX XXXX to verify the facts about this payments. XXXX XXXX XXXX confirmed that the check had sufficient funds around that period of time for the check to be cashed by First Bank of Puerto Rico. XXXX XXXX XXXX also acknowledged that they had no indications of any attempt by First Bank of Puerto Rico to cash the check and that no check had been returned to them from First Bank due to lack of funds. I contacted First Bank of Puerto Rico after the 10 business days of the investigation to find out the resolution for the case. The result was that the check could not be cashed due to lack of funds and that the check was cancelled by XXXX XXXX XXXX. I submitted a reconsideration of the case and offered to provide all the documentation from XXXX XXXX XXXX to back up that the account was in good standing ( with sufficient funds ) at the time for the check to be cashed. I gathered and send all the documentation required ( a letter from XXXX XXXX XXXX, a statement from XXXX XXXX XXXX, a letter written by myself explaining the case, etc. ) and gave them another 10 days for a new resolution. The second resolution came back with the same result than the first one, that the account had no funds at the time and that the check was cancelled by XXXX XXXX XXXX and therefore, all charges applied.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
As explained minutes ago Today, Friday XXXX XXXX XXXX to First Bank Puerto Rico Live Chat Representative, and as the included XXXX File shows, this problem was provoked by Santander Bank Puerto Rico, which was bought by First Bank Puerto Rico, and now this account appears in my XXXX Credit Report as from First Bank, but the fact is, it was originated and Paid as Agreed, only to the original Bank, Santander. That is other thing : no matter First Bank bought Santander Puerto Rico only, this credit card and the loan must be listed and described at the credit bureaus as originated and paid only at Santander, so it complies with the Fair Credit Reporting Act, which requires precision and accounts to be reported correctly. XXXX XXXX XXXX XXXX XXXX provided by XXXX website at {$59.00} for the XXXX bureaus report, last XXXX XXXX XXXX, keeps showing my credit card originated at Santander Puerto Rico and paid only there, as with a balance of {$220.00} and as bad collections debt? no matter, evidence clearly shows that was the last payment I made in advance, which ended my certified payment agreement for this credit card only with Santander, as the official Santander letter clearly show, included. The included chat transcript, copied by myself and pasted at XXXX XXXX, with a XXXX XXXX included, shown in XXXXXXXX XXXX XXXX XXXX and XXXX, clearly show I tried XXXX more time to go personally this time to First Bank, because Santander does not respond, only saying First Bank is their legal representative in Puerto Rico, but the fact is First Bank does not paid attention to this case, no matter it was brought to their attention last XXXX XXXX XXXX, and through e-mail, back in the year XXXX. No claim number was opened, no official response received, and no matter I explained one more time all this through their live chat, they simply wanted to start a claim after years of not paying attention? Is simply something, no matter that is not the fault of First Bank, but Santander 's Fault, negligent on the part of First Bank : they can't provide a name or indicate someone we can visit personally, no matter after all this years, knowing my credit report is incorrectly and against the Law damaged by Santander. After verifying my last message was without response at their live chat, and they just indicated to follow again? their procedure for filing claim, after years not paying attention here at the CFPB, and only waiting for the other part in this case Santander, to respond, when they know Santander is assigning First Bank to respond, no matter, this was the fault of Santander. See the chat and the documents, once again, both Banks know wat is happening but the end result can't be my credit reports keeps showing I didn't pay when I paid, that is bad/collection account when is not true, it was paid directly to the original bank, Santander, all payments of the agreement on time, but reported as late? and that there is a balance, when that was the last payment amount which ended the agreement. This an insult and against the Law by Santander ; And unfortunately, is negligence on the part of First Bank. See the documents, again, I was hoping to be able to visit an executive at the XXXX Bank main offices, but that is not their procedure? Is incredible all this.
12/18/2018	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	PR 00987	Web
On XX/XX/2018 I did submit a compliant ID # XXXX-XXXX via Consumer Financial Protection Bureau because of Credit reporting Incorrect information on your report on XXXX showing the account with current past due balance and open with 11 current missing payments on my FirstBank Account # XXXX. The correct account Status : Account Closed on XX/XX/2018 Payoff Balance ( attached letter of Payoff of FirstBank ) I did dispute the wrong information on my credit report with XXXX, on the others credit report agency has no problem, the information is correct. I did make two disputes with XXXX. - XXXX Confirmation Number : XXXX - XXXX Confirmation Number : XXXX On both disputes, the resolution of XXXX was that FirstBank indicated that the information on my credit report was correctly, leaving the account on my credit report with incorrect information about account status ( Open, with Current Past Due Balance, etc ) As no resolution from XXXX and/or FirstBank I did submit the compliant ID # XXXX-XXXX via Consumer Financial Protection Bureau with FirstBank and XXXX because on my XXXX report indicated that my Leasing-Auto Loan with First Bank show a status of Open Account with current Past Due Balance of 11 missing payment late more than 120 days. On XX/XX/2018 - FirstBank answered the compliant with information reported incorrectly on my credit report. Account : XXXX. FirstBank request update information on XXXX as informed by creditor First Bank to XXXX via XXXX XXXX XXXX XXXX control # XXXX Submitted on XX/XX/2018. XXXX SC : XXXX ( attached evidence ) After that XXXX corrected the information as of XX/XX/2018 on my credit report ( attached evidence ) with the following information. FirstBank Closed Account Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account appears to have been closed. Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account balance decreased by {$11000.00} from {$11000.00} to {$0.00}. Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. On XX/XX/2018 I did receive an alert on my credit report of XXXX indicating the following changes : Account status- Open Account ( Re-open ) FirstBank- Balance Increased by $ XXXX Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account balance increased by {$11000.00} from {$0.00} to {$11000.00}. It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. I did call XXXX on XX/XX/2018 and the rep opened another ( 3rd one ) dispute # XXXX because XXXX indicates that FirstBank is reporting the account Open, Past Due and with current Missing Payments ). I have no issue with the other credit report agencies, it is only with XXXX and this account of FirstBank impacting negative my credit score/history on my credit report.
09/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30064	Web
I have a mortgage loan with Firstbank Puerto Rico. The monthly payments are extracted directly from my bank of account every month by Firstbank. The monthly amount is {$1100.00} for which {$790.00} corresponds to the mortgage payment and {$330.00} additional payment to principal. XX/XX/2015 I sent a letter to Firstbank requesting to change the bank account number they had in records for the direct deposit since I was closing the account. See attachment. XX/XX/2015 Called the bank and made payment over the phone to cover XX/XX/XXXX for the amount of {$790.00}. Received email confirmation that the payment over the phone was processed. See attachment. XX/XX/2015 Received a letter from Firstbank dated XXXX/XXXX/2015 stating that the draft in the amount of {$1100.00} has been returned due to insufficient funds. Total amount due : {$880.00} includes {$38.00} late charges and {$45.00} NSF feesXX/XX/2015 - Received a letter from the bank dated XXXX/XXXX/2015 confirming the request to change the bank account number for the automatic debit. XXXX/XXXX/2015 - Called the bank to confirm that the new account number was in placed and that the payment for XX/XX/XXXX is being extracted from the new account. The CSR confirmed that the account number was changed to the one I had requested. She also informed me that XX/XX/XXXX was past due. I sent a letter ( claim ) requesting the payment made over the phone on XX/XX/XXXX to be applied to the month of XX/XX/XXXX and send bank statement showing that there were sufficient funds in the account and that money came out of the account. See attachments. XXXX Mortgage payment extracted for Firstbank for the amount of $ XXXXXX/XX/2015- Called the bank and CSR confirmed that the payment for XX/XX/XXXX was made and now XX/XX/XXXX was pending. I explained to the CSR that the payment for XX/XX/XXXX was made on XXXX/XXXX/2015. She asked me to check in a few days to check if it was applied. XX/XX/2015 Called the bank and the CSR informed me that the payment for XX/XX/XXXX is past due. I requested to speak to a Supervisor. I spoke with XXXX XXXX and he said she would check the situation and would call me. XX/XX/2015 Called the bank and spoke with XXXX XXXX XXXX XXXX He saw all the transactions in the system and confirmed that the payment for XXXX was applied to XX/XX/XXXX and the payment for XX/XX/XXXX made over the phone was in some kind of " unclassified '' account. XXXX XXXX told me that he discussed his findings with the XXXX XXXX XXXX. I spoke with XXXX XXXX and he said that he already submitted everything to " them '' and we were waiting on resolution. ( call duration:62 minutes ) In order to avoid having the same issue in XX/XX/XXXX, I made a payment over the phone today for the amount of {$790.00} to cover XX/XX/XXXX. I also ran a personal credit report from XXXX and it shows the account on status " 30 days late ''. I would like to see resolution of this situation as soon as possible and would like for the bank to work with the credit agencies to fix the rating information.
12/16/2022	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	MA 01453	Web
On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with First Bank PR, was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( XXXX, XXXX XXXX XXXX ) until XX/XX/XXXX. On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. FirstBank, after this XXXX dispute, updated both XXXX and XXXX report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. I disputed this issue with both XXXX and XXXX asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. I believe that FirstBank Puerto Rico is trying to unlawfully extend the time that this account stays on my credit report and that XXXX and XXXX is not investigating my dispute correctly. I contacted First Bank in XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. I have attached to this complaint the following documents : - XXXX Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of XXXX account showing that the date of first delinquency is XX/XX/XXXX. - Screenshot of XXXX payment history under this account which shows that I started missing payments since XX/XX/XXXX. - Letter submitted to XXXX when this information was disputed. - Payment history document received from First Bank in XX/XX/XXXX - Letter with response from First Bank stating this date is correct even after I sent them all the documents that prove otherwise. - Dispute results from XXXX stating that the information on my credit report was correct.
11/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00987	Web
I have a mortgage loan # XXXX with Santander Bank in Puerto Rico. Firstbank purchased Santander Bank a few months ago and when they did, they messed up the reporting of the loan to the three credit bureaus and because of their mistake they caused significant damage to my credit scores, reducing them by 48 and 52 points. I have tried by all means to get the bank to correct their mistake, but even though they wrote to me saying they'd fix it, they never did it. They just don't understand how to change the status of an account that they already closed ( they closed the Santander mortgage account and opened a new one under the Firstbank name ). I've tried to explain it to them over and over again, but their staff lack the necessary knowledge to correct credit reporting errors. I am in the process of buying a new home in Florida and the mortgage bank pulled a new report this month, and because of the 52 point reduction in my score, they increased the interest rate on my loan. Firstbank has caused me irreparable damage through their actions. They also haven't complied with federal laws that regulate how banks must handle and fix credit report errors. They were supposed to fix their mistake no later than 30 days after being informed of it. I am pretty sure this mistake happened with most of Santander Mortgage customers who took advantage of Covid-19 forbearances, some of which as of this day have no idea their credit score has been affected negatively by Firstbank. I know about it because I pay a monthly fee to XXXX for credit monitoring. But most XXXX XXXX don't monitor their credit. The mistake in the reporting by Firstbank has to do with the fact that they reported incorrectly Covid-19 forebearances as " not more than two payments past due '' and/or " 30 days past due '' in the payment status. This is illegal because the CARES ACT explicitly says that if a loan was current when the forebearance agreement was finalized ( and mine was ), the creditor needed to continue to report the loan as being paid on time or being current during the forebearance period. I include copy of a letter from Firstbank where they acknowledge their error and let me know that it's been corrected ( it never was ). I also enclose a copy of my most recent credit reports from XXXX and XXXX that show payment status as " not more than two payments past due '' and " 30 days past due ''. This is the line that they need to correct to " Pays account as agreed ''. PLEASE SEE PAGE 26 of XXXX CREDIT REPORT where the only red alert in the report is shown. In the XXXX REPORT the account also shows incorrectly a payment status of 30 DAYS PAST DUE. PLEASE SEE PAGE 21 OF XXXX CREDIT REPORT where the only red alert in the report is shown. I also include screen shots of the XXXX page where the 48 and 52 points drops in my scores are shown.
02/19/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PR 00976	Web
Went last XX/XX/XXXX to First Bank to make 2 transactions. First one was a cash payment of {$980.00} for a credit card balance. All fine. Second transaction was to make a cash deposit of {$1800.00} to my son 's savings ' account. Before going to the bank, like 2 hours before, I counted money twice. To pay credit card, got {$990.00} cash. For the savings deposit, I counted {$1800.00}. Put {$990.00} in my right pocket and {$1800.00} in my left pocket. First bank discontinued using deposit slips to fill for the transactions. I went to the desk were they usually had it but they had nothing there. So I went to the cashier. First transaction was ok. Second transaction, I gave her the money. She never asked how much was the amount. She went to the machine, counted money, made transaction, and gave me the receipt. Started walking to leave bank and noticed that the deposit was for {$830.00}, instead of the {$1800.00} I gave her. She stopped the operation and together with another employee, they counted all the cash that was inside her drawer. After maybe 5 to 7 minutes, they counted all and said to me that drawer had {$800.00} more than supposed. I told them that there were {$1000.00}. They said, " we counted {$800.00} so that's the amount I will credit you ''. Since it was cash and there was no way to identify the specific cash I gave the cashier, I accepted that. They gave me a new receipt with a deposit of {$1600.00}. I entered the account last XX/XX/XXXX to check balances and noticed that my son 's savings ' account had a lot more money less than supposed. I went to the bank to check what happened. They told me manager was going to call next day. Next day, XX/XX/XXXX, received a call from manager. She told me that they put on hold on the account to make an internal investigation were they see procedures, videos, etc, and they concluded that the extra {$800.00} didn't belong to my transaction because that amount came in a change of drawer from the previous teller. So, it's my point against theirs. Like I said to the manager, there were some irregular procedures made here and I insist I counted {$1800.00} twice and that was the amount of money given to the teller. I would like to get a neutral analysis for this case because I can't trust and don't believe that thing she told me. She even told that by looking at the cash given to the teller in the video, by her experience, she can tell if that's {$830.00} or {$1800.00}. I told her that it can't be determined by that appreciation because there could be XXXX {$100.00} dollar bills. The only thing that can convince me is that the video shows me giving her the money, and the machine says {$830.00} after counting it. What's finally determined, will be accepted. Thanks, XXXX XXXX
05/23/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 85249	Web
First bank in Puerto Rico, Loan officer XXXX XXXX XXXX and processor XXXX XXXX were Non responsive. I started this deal in XXXX and XXXX approach and still no closing in site. Emails, calls and text often unanswered despite me submitting any document request in a timely manner. Below is the email I sent them ( No response by the way ) " Feedback is a very important part of improving your business. This is why I am taking the time to write this email. Transparency is very important when you do business. Responsiveness is a very important to doing business. I am sorry to say neither of these have been characteristic of your Bank managing my account. I need to take a moment to voice my frustrations with your loan process. I have closed approximately 10 loans in the last few years which has included 5 rentals properties ( XXXX each ), 2 primary residences ( XXXX and XXXX ), 2 refinances ( XXXX and XXXX ). I am VERY familiar wth the process. Even during Covid I had a 30 day close on a property. I have never had such difficulty in communicating and closing a loan such as this, I have never had to " withdraw '' an application to convert the deal to a cash purchase. I am grateful that I have the resources to convert this to a cash purchase to avoid losing the deal but I am very dissatisfied with First Banks responsiveness all around and the manner in which you conduct business and managed my account. After numerous emails, phone calls and texts. many of which went unanswered, I had to make the decision to find alternate means of make the deal work. I have provided every document requested in a timely manner despite my busy schedule. Rest assured that as I continue to do business in Puerto Rico and invest in real estate, First bank will not be my first option nor any future recommendation to any of my colleagues or others. It is unfortunate we came to this point and please understand, my issue is not that you did not complete the loan ( I was NOT declined ) it is ultimately the manner in which you have conducted business. This was not a million dollar deal but in the loan industry any size loan matters. Your company and its representatives lacked the attention to detail necessary, responsiveness and communication to make this process efficient and see it to completion. I have had to resubmit many documents even though when I was asked I typically submitted them within minutes. In closing, this was my first transaction using a PR bank and I hope in the future I may have a better experience as I am committed to investing in PR. I hope this letter serves you with information you may use to serve your future clients better and improve your processes. ''
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
( See more details in the included document named Dispute not solved Response to XXXX. ) XXXX did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here. Additional Information and Documents About My Dispute to Help XXXX Resolve It : Dispute Is Not Solved, on XXXX Credit File : XX/XX/XXXX ; Confirmation # XXXX ; account on page 4 o 6, and page 5 of 6 ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 1. My credit report is about this credit card account, still has to be corrected. - Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, one every month while agreement was active, last 2 payments in just one on XXXX XXXX XXXX. Instead : XXXX REPORTED 48 LATE PAYMENTS!!!! See XXXX Credit File Included page 4 o 6 and page 5 of 6 - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages 36 - 38 ( pages 3-5 pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX 2 XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the 1st monthly payment of the Certified Payment Agreement was paid.. No matter this XXXX Credit File of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see XXXX Credit File page 4 - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The 2 letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. - The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female officer at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. I believe this payment was made by myself at XXXX main branch in XXXX XXXX.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33027	Web
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in First Bank Institution in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with First Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The Second Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including First Bank. I called them several times and they continued to send monthly Invoices regarding the Second Mortgage Loan and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after Hurricane Maria situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called First Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, XXXX and XXXX XXXX and First Mortgage keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the First Mortgage should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
11/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33133	Web
I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
I already submitted more than 40 complaints, as shown on the included print screen shots, with lots of verifiable evidence, in which is clearly seen XXXX XXXX, their new partner after selling their operations here in XXXX XXXX, called First Bank, as well as XXXX XXXX, 3 main banks, are incorrectly reporting my accounts with them as delinquent, charged off, not paid as agreed, no matter all that is simply false : They, as the original financial institutions which granted me the required credit and account, for credit cards, charge cards or personal loan, are precisely the original financial institution : None of them are an indepemdent collection agency, where accounts are sent when the customer does not respond by any means in order to try to collect the debts. Precisely that was not the case with any of this accounts as the verifiable evidence shows. But, no matter your agency shows the following : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' The fact is, I never see anything like this statement shows from you, or the 3 Federal Courts system, or 3 main credit bureaus at all regarding all this, where I always presented evidence of clear violations against the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act, and this keeps leaving my credit applications denied and denied, again and again, showing deliquencies that are false, profit losses that are false, and just leaving us no choice than either find a co debtor for critical needs, or looking for financial institutions like XXXX XXXX, precisely owned by one of these Banks, First Bank, which could lend us the money BUT A TOO HIGH INTEREST RATE : HOW IS THAT NONE OF YOU HERE AT THE CFPB, OR THE FEDERAL COURTS, OR THE 3 MAIN CREDIT BUREUS ABLE TO CONNECT THIS IS THE REASON FOR THIS BANK FRAUDULENT REPORTS? PRECISELY, THEY JUST WANT TO JUSTIFY TO CHARGE A TOO HIGH INTEREST RATE, JUST TO SATISFY THEIR UNFAIR CAPITALIST AGENDA : THEY JUST WANT TO EARN MORE MONEY, NO MATTER AGAINST THE LAWS, THEY ARE PRESENTING THEMSELVES AS COLLECTION AGENCIES AT MY CREDIT REPORT AND THAT IS FALSE, I PAID DIRECTLY AND ONLY TO THEM WITHOUT LOSING CONTACT TO THE ORIGINAL INSTITUTIONS AND EVEN TO THE ORIGINAL ACCOUNT NUMBERS WITH ALL RECEIPTS TO PROVE IT.
11/21/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77346	Web
On Sunday, XX/XX/2020, while checking my on line bank account with Firstbank i noticed 2 unauthorized transactions. The transaction amounts were for {$240.00} and {$300.00} and were from XXXX. I immediately contacted Firstbank in Puerto Rico by phone. I was told by a customer service agent that the bank was unable to stop the transactions. The bank customer service rep told me I would need to wait till the transactions processed and to call the bank back on Wednesday, XX/XX/2020 to submit a request to investigate the transactions. I followed the bank reps instructions and called backed on Wednesday, XX/XX/2020. The bank rep that I spoke to took my statement and cancelled my Visa debit card ( XXXX XXXX XXXX XXXX ). I also mailed a letter on XX/XX/2020 to Firstbank Customer Experience & Problem Resolutions Dept in Puerto Rico asking them to reverse the fraudelent charges. On Wednesday, XX/XX/2020 I called Firstbank in Puerto Rico for a status on my claim and the representative told me my claim was denied because I had not cancelled the debit card the transactions were made on. I requested to speak to a supervisor and i was transferred to Ms. XXXX XXXX. Ms. XXXX saw that the Visa debit card was cancelled on XX/XX/2020 and she submitted another request to their department regarding the fraudelent charges. On Friday, XX/XX/2020 I called Firstbank in Puerto Rico for status on my claim and I was told it was denied again because I had not cancelled the debit card and the charges were made in the area I reside in. The customer service rep did some additional investigation and found that the wrong debit card was cancelled and that the 2 transactions were atm withdrawals using my ATH debit card and my pin. The bank rep then cancelled the correct debit card ( XXXX XXXX ) and submitted a another request to their department. On XX/XX/2020, I received a call from Firstbank fraud department asking me if I tried to use the debit card ending in XXXX to withdraw money at an ATH machine and I told then it was not me. I also explained to them about the 2 fraudulent charges on my account. On Thurday, XX/XX/2020 I called Firstbank to follow up on claim and again I was denied because the card used for the 2 transactions was my debit card and my pin was used to withdrawal the funds. They also told me the transactions were done in the area I live in. Another request was submitted on XX/XX/2020.
11/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 00719	Web
Current creditor, First Bank of Puerto Rico, referred the auto loan account to XXXX XXXX XXXX without sending a self-help letter. I received a call this week and I explained this was the first communication directly from the bank since the previous call I received from XXXX a few days ago in which I was harassed. The payoff balance was {$2300.00} approximately due to late fees and interest charges ; all car loan installments were paid. I offered the bank the amount of {$1000.00} during the call and requested a few days to gather the rest of the money but they refused and insisted that I had to pay off at that moment or release the car voluntarily to the bank. On XX/XX/2020, the bank sent a self-hep letter and was received at my address on XX/XX/2020. After receiving that letter, I called the bank and explained again the reason for the outstanding balance and late payments, the bank 's employee stated at that time that she was unable to assist me, that it was correct that the account was assigned to XXXX XXXX XXXX and that if I did not have the money to payoff I had to release the car to the bank. My response was that I was not going to release to the bank a car that has been already paid off and that the remaining balance corresponds to late charges and interests. I advised them that I would not authorize the external adjuster to enter my residence premises. The employee stated that in that case the external adjuster would visit my house and if unable to repossess the auto, would go to the nearest police station and ask for assistance so they could force me to release the car. I responded that is illegal under Puerto Rico 's laws and this was not a criminal case. I explained to her that for the Police to enter my property, they need an order from the court ( also it may include a lien or an attachment ). She replied that was not correct and that she was informing me of the correct procedure and the process performed by the bank in such cases. The methods used by the bank to collect the money owed are unfair especially when I paid {$1000.00} this month and offered to pay the rest of the balance in {$400.00} installments and they refused. This is not the first time this bank handles an auto loan like this, it has happened with other auto loans I had with them.
04/13/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	VI XXXXX	Web
On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.
07/05/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Web
Since 2019, FIRST BANK OF PUERTO RICO. I try back and forward to many ways to make a Loss mitigation. LOAN NUMBER XXXX. I make a complaint to Consumer financial because they inform to many letters that is deny then upps its Ok they give the chance to make a trial I start to make the payments month by months with no problems. Then I received a letter offer me a balloon payment I dont accept but I continue the payment and bank accepted they never call to closed because the COVID-Sar 19 i got XXXX in XXXX my father and mother both died one in XXXX and my father in XXXX for cause of XXXX I never stop to make payments to the bank. Since XXXX in middle of XXXX they call me the trial that they give fall down because they need a letter from a government area taxes on house Im said that was ok but I need to take a appointment to go to that office and look for papers that they want, and I said please continue receiving the payments please they SAID NO. The bank said again to start over another Full case of LOSS MITIGATION NO MATTER WHAT THAT I ALWAYS IN THE PLAN MAKE THE PAYMENTS ON TIME ALWAYS. This is so intensive because since 2019 I try to closed this loan and right now I start again the course of another this is maybe the fifth or six time that the bank make this is going crazy. To many things in my life so sad for the lost of MOTHER AND FATHER FROM XXXX. AND I GOT XXXX TO. Its so difficult because this people in the bank want to se me going crazy, to many letters a have that they dont be Serious. In this time I star over again and send all the paper again and package of loss mitigation but the thing is that they are playing with my health emotional and physical because I can eat and to many disorders in to my body when you sum all things that I pass with my family and think they are playing with PEOPLE THAT THE ONLY THING IS WANT TO PAY AND THAT IT I received the papers from the taxes in XXXX XXXX means CRIM and send instantly. I appreciate please help me with this BECAUSE THIS PEOPLE ARE PLAYING WITH SOCIAL MENTAL AND I DONT THINK ITS FAIR Thanks again XXXX XXXX XXXX XXXX THIS IS SECOND TIME I RIGHT DOWN A COMPLAINT by me. Thanks for the HELP TRUST IN YOU. Cell phone XXXX XXXX XXXX
12/09/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 009XX	Web
FirstBank Puerto Rico has failed to comply with the requirement in section 1024.41 ( b ) ( 2 ) ( i ) ( B ) which states the following : Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' I submitted a new application for loss mitigation to Mr. XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX, see Attachment LM Application submitted XXXX. After 8 working days, as of XX/XX/XXXX, I have not received any communication from FirstBank Puerto Rico. In addition, FirstBank 's underwriter failed to comply with Appendix Q to Part 1026-Standards for Determining Monthly Debt to Income. I. Consumer employment related income. A. Stability of Income. 1. Effective income. " Income may not be used in calculating the consumers debt-to-income ratio if it comes from any source that can not be verified, is not stable, or will not continue. '' Mr. XXXX XXXX, First Banks underwriter, used as effective income a litigated child support that became uncollectible. Moreover, Mr. XXXX failed to comply with Appendix Q to Part 1026, 2. Verifying employment history. a. " The creditor must verify the consumers employment for the most recent two years. '' On XX/XX/XXXX, through First Bank legal representation in the legal case num. XXXX XXXX, FirstBank produced evidence that they documented this requirement with another person income not the borrower, Mr. XXXX XXXX check stubs, see Attachment XXXXAccount Information. In addition, FirstBank failed to comply with HUD Handbook 4000.1 signature requirement on initial application. Initial communications were made with Mr. XXXX as documented in the evidence produced by FirstBank, see Attachment XXXX-Preliminar Request and XXXX Application. Finally, HUD Handbook 4000.1 page 113 prohibits the signing of documents in blank. On XX/XX/XXXX FirstBank had me in a separate office to sign the mortgage while Mr. XXXX was in another office. Various documents had both of our names, but Mr. XXXX never signed them.
07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33056	Web
A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.
12/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33032	Web
Being a customer of First Bank of Puerto Rico for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in Puerto Rico, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XXXX of 2017, which further strained our finances. During all of this, we continued to communicate with First Bank of Puerto Rico, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted First Bank to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with First Bank, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to Florida to take a government job due to the struggling economy in Puerto Rico.
08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33027	Web
Our family has been struggling for the last 2 years in making our monthly mortgage payments. Our house is currently in the state court awaiting a hearing to set the house for sale. Before all of this happened we have been consistently behind one month of our mortgage payment ( {$3100.00} ) for about a year and a half. On XX/XX/XXXX the bank informed us that if they did n't receive both payments that they will start the foreclosure process for our property, this is when we decided to get a lawyer to helps us to modify our loan. At this time we stopped paying the mortgage in our house too see if the bank would help us. The bank denied us more than XXXX to modify our loan according to our foreclosure lawyer. The bank concluded that the reason for denial was because we make too much money, and they go back to 31 % of gross income which I feel is not a realistic figure. We have held a mortgage with this bank since XX/XX/XXXX with our previous house and were good customers. We feel they have been unjust and really want our home. All we wanted was a lower monthly payment so we can manage with our monthly expenses. My wife and I are both XXXX and have XXXX daughters. This whole process has been so stressful. We wanted to start making payments again but they only wanted the entire balance and have not been willing to assist. We also tried to do a short sale which they again would not consider any short sale. My wife was XXXX seven years ago and it has been hard on all of us. Our daily life is affected in all ways and she XXXX. Stress is not good for this XXXX but then again the bank apparently does not care. We were just behind XXXX payment and they would n't accept it unless it was the complete amount at the start of this whole process. Lawyers have been amazed on how the bank has treated us and not considered any options. We just wanted our bank to help us solve our current situation to modify and lower our current loan with the monthly moorage payment {$3100.00}.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
The XXXX XXXX XXXX Credit Card First Bank XXXXXXXX XXXX mentions, WAS NOT A CHARGED OFF, COLLECTION, OR PROFIT LOSS : WAS PAID AS AGREED DIRECTLY TO XXXX, NOW PART OF FIRST BANK XXXX XXXX : THE XXXX PROCEDURE THEY MENTIONED IS AGAINST THE FAIR CREDIT REPORTING ACT ; XXXX EVEN TRIED TO PRESENT THE CREDIT CARD AS A BUSINESS ACCOUNT SO THE FAIR DEBT COLLECTION PRACTICES ACT WOULD NOT APPLY BUT IT WAS NOT A BUSINESS ACCOUNT ; XXXX PROHIBITED ME TO CONTINUE TO PAY MY FULLY UPDATED XXXX LOAN UPDATED XX/XX/XXXX RETURNING MY LAST PAYMENT OF XX/XX/XXXX BY CLOSING THE LOAN AND REPORTING IT PROFIT LOSS CHARGED OFF, SO FIRST BANK COULD KEEP CHARGING 34.95 % INTEREST LENDING THE SAME MONEY AT THEIR SUBSIDIARY CALLED XXXX XXXX, THEY ON PURPOSE CREATE FALSE PROFIT LOSSES AND FALSE COLLECTIONS WHEN THE TRUTH IS THE ACCOUNT STAYED AT THE ORIGINAL BANK AND WAS PAID DIRECTLY TO THEM WITHOUT ANY COLLECTION AGENCY INTERVENTION NO MATTER THEY TRIED TO INVOLVE A COLLECTION AGENCY WHEN THERE WAS NO NEED, EVEN TO THE SAME ACCOUNT ORIGINAL NUMBERS ACCOUNTS WERE PAID, UNLIKE WHEN PAYING AT COLLECTION AGENCIES. THIS IS CLEARLY A PATTERN OF WILLFUL CREDIT REPORTING ACT VIOLATIONS. THIS COMPLAINT IS TO ASK THE CFPB : WHY ARE YOU NOT DOING ANYTHING? WHAT THE CFPB IS THERE FOR? IS NOT TO CLOSE COMPLAINTS AND DO NOTHING WHEN BANKS DO SOMETHING LIKE THIS CLEARLY AGAINST THE LAW AND AFFECTING PROBABLY MILLIONS OF PEOPLE THAT ARE NOT FILING COMPLAINTS BECAUSE THE SAME COURT SYSTEM IS INFLUENCED BY BANK LAWYERS WHICH ARE RECEIVED BY JUDGES THE SAME DAY YOU ARE APPOINTED BUT YOU ARE NOT ALLOWED TO ENTER? SEE SUPREME COURT PETITION INCLUDED UNDER QUESTIONS FOR SUPREME COURT ; XXXX XXXX XXXX AND XXXX XXXX XXXX JUDICIAL MISCONDUCT, WHICH WAS ALLOWED? JUST TO REQUEST A FEEDBACK DOES NOT SHOW THE CFPB IS DOING THEIR JOB, MUCH LESS THE CFPB JOB IS TO REQUEST FEEDBACK WHILE ALL THIS KEEPS HAPPENING AND NOBODY DOES ANYTHING TO NEVER TO HEAR FROM THE CFPB AGAIN? WHAT IS GOING ON?
06/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 136XX	Web	Servicemember
I have a loan with XXXX XXXX ( belongs to First Bank ). This loan is protected under SCRA law. While being away for training for many months the loan was marked as bad debt. I tried making payments in order to refinance the loan and bring it up to date. While making payments I noticed my SCRA law benefits had been taken away. Changing the 6 % interest cap rate, to a daily charged interest that has brought my account from a {$4400.00} balance to a {$5700.00} balance. Under the SCRA, the Attorney General is authorized to file a federal lawsuit against any person ( or entity ) who engages in a pattern or practice of violating this law. 50 U.S.C. 4041 ( a ) ( 1 ). When the Attorney General files a lawsuit under the SCRA, he has the authority to seek monetary damages on behalf of individual servicemembers. Id. at 4041 ( b ) ( 2 ). The Attorney General also has the authority to seek civil penalties, equitable relief, and declaratory relief. Id. at 4041 ( b ). This is the second time this institution has violated my SCRA rights. I have make multiple attempts to fix this situation. Collections supervisor XXXX XXXX has never been available to attend or return my calls. I need this illegal interest to be retroactively removed from my account and I ask for my account status to be set as current up to date, as a remedy for this illegal action for a second occasion with the same creditor and in order to avoid legal action at the federal level with my representation from Judge Advocate XXXX XXXX ( XXXX ). It is worth to mention I have evidence of multiple emails sent to XXXX XXXX, XXXX XXXX and other employees, with all military documents proving my SCRA eligibility. I have also contacted the XXXX XXXX on XXXX XXXX XXXX times and one has been able to assist. Once again I ask for my account status to be changed to current so I can resume payments, and the interest retroactively adjusted to 6 % in order to avoid a federal lawsuit for this illegal pattern.
02/05/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web	Older American
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major XXXX to remove XXXX related XXXX in his XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
03/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR 00754	Web
To whom may interest : I have a car loan with First Bank XXXX XXXX. I had lost employment but I was recruited by another company. I started working for that company on XXXX XXXX. The problem was I was not able to pay for the car for the month of XXXX. So I called the bank to inform my situation to see if there was some kind of arrangement I could do with them. So they transferred me to Collections and we started talking on XXXX XXXX. They inform me they needed the following documents : 1. Explanation letter of why I was needing that arrangement. 2. An employee certification. Which took a whole week because I didnt have any permanent arrangement with the company. 3. An a form provided from the bank for me to fill it up. They kept pushing the process to last longer by asking me an additional form such as a pay stub which I was not able to provide since I had not been paid. Every time I sent the papers through email or physically there was always a lost paper. I spent hours and hours trying to get the same forms to them over and over. They would always give me a date with the decision and when I called for the decision they never had one. Sometimes in the meantime while talking to them I would get phone calls collecting the loan. Since all my efforts were unfraitful. I paid the loan and late interest payments on the XXXX XXXX. I got the money from food so I could pay them. The same day they typed a letter saying that the extension was approved. I got the letter way later than that. I called to call off their bad faith and the next day the karma credit points that they took out were reestablished into my credit report. Im reporting they delaying the process on purpose and on bad faith and only when they knew I had to paid for the loan conveniently wrote a letter saying that arrangement was approved. I would like the car loan fully cancelled and pronounced paid for them. Thank you, XXXX XXXX
06/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00976	Web
FirstBank sued me for foreclosure on my principal residence on XX/XX/XXXX, even when I already had submitted a complete Loss Mitigation application. Since this nightmare started for me and my family, I have been trying to save my home in multiple occasions submitting loss mitigation applications to the Bank, while at the same time battling the foreclosure process at court. On all these occasions, my Loss Mitigation applications were never evaluated on its merits and with the purpose of Loss Mitigation which was created to help debtors as me save their homes. Due to the fact that the Loss Mitigation department of FirstBank has never given me a real and/or possible option to keep my home, I started looking for other options instead of foreclosure. I found a couple interested in making an offer in short sale for my property. For this option I submitted all the proper documentation required for the consideration of the short sale offer, including a valid short sale offer according to the real price that the property has today at the market. FirstBank after allegedly considering this short sale offer declined multiple offers made by this couple. After the Bank declined the short sale offers, I submitted on XX/XX/XXXX a complete loss mitigation package for a deed in lieu of foreclosure and as of today that I am submitting this complaint, the Loss Mitigation department has not evaluated this application and instead they keep adducing that there is still missing documents, which I have provided them again and again. I am looking for help from the CFPB to request the Loss Mitigation Department to comply with their obligation and do not keep delaying the evaluation of my case on its merits. The Bank has been delaying the evaluation of my case with the only interest of foreclosing my property since the Court informed that my property will be auction on XX/XX/XXXX.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07840	Web	Older American
First Bank FL MANAGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX c/o XXXX XXXX ( niece and Power of Attorney ) XXXX XXXX XXXX XXXX XXXX NJ XXXX I am in a XXXX home ( XXXX XXXX ). I have not done my Taxes in the years : XXXX ; XXXX ; XXXX ; XXXX. I requested four ( 4 ) 1099 Forms so we ( my POA/Niece and myself ) for 4 years so we can do my Taxes and send to the IRS. To First Bank FL at the address above on XX/XX/XXXX. They did NOTHIGN for 1 month. My niece contacted 1st Bank Florida in XXXX XXXX again 1 month later ( XXXX XXXX ) and they wouldn't talk to her, despite sending in the POA forms and 2 death certificates of POAs # 1 and # 2. jthey wouldn't grant her POA! ) so i have to type up a letter and get it notarized in my XXXX XXXX, for Every CD expiring that I want CASHED and mailed to th e above address to pay for my XXXX XXXX 1st Bank FL called me at my XXXX XXXX 3-4 weeks ago, andn I verified that YES, I DO WANT AND N EED 4 YEARS WORTH OF 1099 's TO DO MY IRS TAXES !! I WAS REQUESTED TO SEND IN : DRIVER 'S LICENSE ( i AM XXXX YEARS OLD BUT HAVE A LICENCE ) ; INSURANCE CARDS, ANDN I ALSO INCLUDED OTHER INSURANCE CARDS " AND '' MY SOCIAL SECURITY CARD, ALL XEROXED TO BANK ON XX/XX/XXXX. STILL NO 1099 's FOR 4 ( FOUR YEARS ) SENT TO M E!!!! I HAVE BEEN WAITING FOR 2 LONG MONTHS TO GET THESE FORMS, AS THE 1ST REQUEST SIGNED WAS SENT ON XX/XX/XXXX!!! TAX SEASON ENDS IN 1 MONTH, AND this DARN OBSTINATE BANK IS THE ONLY BANK THAT I AM WAITING FOR, TO COMPLETE MY TAXES AND SEND TO MY NY ACCOUNTANT!!! Why are these people so obstinate? Lazy? or not followiong rules for their Customers??!! I N EED MY EARNED INTEREST INCOME OF MY 4 YEARS WORTH OF MY MANY CDS IN YOUR LOUSY BANK : 1ST BANK FLORIDA, ASAP/ IMMEDIATELYK!!
03/27/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00727	Web
I had a checking account with First Bank Puerto Rico. I used the checking account for emergencies and when I had unexpected expenses. I have another account with another bank for daily use and to pay bills. On the last days of XXXX, I tried to use the ATM and it declined. When I returned home I noticed that the account balance was negative. I went to the bank for instruction on how I can fill a claim. One of the official told me to write a explanation of the situation and to include the statements highlighting the retirements that I did not recognize. The same day I returned to the bank with the required documentation. The official send the documents by internet to the bank customer service department. She told me that within 10 days I should receive and answer from the bank in addition to freeze the check account. I authorized to freeze the account. I waited for about 20 days and collect customer service because I had no received any notification from the bank. The operator told me that claim department concluded that my claim was not valid. I went to the bank again and asked for an explanation of the customer service decision. The official through the clerk notified that she can not help me without a resolution number. I made may self clear that the bank never sent me a notification. With that response I decided to wrote another letter and I sent it to customer service. After some time and without any news of the bank, I called customer service and the operator suggested me to open a reconsideration case. I also tried to access the account thought the internet and the bank closed the account. Until today, I have not receive any official document. The amount retired from my account in seven months is more than $ XXXX.
04/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	VI XXXXX	Web	Servicemember
I first spoke to a representative of First Bank XXXX XXXX XXXX being applied to my credit card account because I was going on XXXX. I was given an email on XX/XX/XXXX by the rep to send out I sent it out that day and didnt hear back in two weeks so I called and sent it twice again another two weeks or so I didnt hear anything at all from this company who promised me on the phone thats all I had to do. So on XXXX XXXX I stepped foot in First Bank XXXX XXXX XXXX. The young woman that helped me was very helpful she double checked the system for my orders and didnt see anything so she proceeded to call and the person over the phone that she contacted told me that the following Tuesday I would be good to go. It is now XX/XX/XXXX and the only notification Ive been getting is added charges to my account. When I was on the phone with these reps Ive called several times I told them I would be able to pay my account down when I get on my orders. Instead this company completely disregarded my orders and me reaching out to them. I have attached pictures with stamped dates for when I received the email from the first phone call to my messages between the two last reps. Please help with youre assistance. Im already XXXX and Ive taken care of every business aspect of my life except this one because they constantly have me running around. I also attached the last payment I made this month you can see that they are STILL charging me late fees and the attachment from XXXX XXXX report of them closing my account out AFTER I sent in these orders and reached out to them several times! This is unethical practice and this company needs to be held accountable for their negligence. Thank you in advance.
01/25/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VI XXXXX	Web	Older American
XXXX missing ATM card. Called bank to cancel card. Was on hold for over 1 hour. XXXX Called bank again, recording said unavailable. XX/XX/XXXX Holiday, recording said unavailable again. XXXX Went to branch where I opened account when it opened. Representative canceled ATM card, issued temporary. Confirmed no charges since XX/XX/XXXX when I last used the card at a restaurant. XXXXSaw three fraudulent charges on bank app. Reached customer service and filed complaint. Two for XXXX XXXX {$370.00} & {$470.00} and one from XXXX for {$250.00}. Contacted XXXX XXXX fraud dept. they needed complete transaction number, only had partial from bank app. Reached customer service, was told they could not give me complete transaction number. XXXX-Reached customer service, they said complaint denied. Said I would file CFPB complaint if money not returned. XXXX All monies credited to account. XXXXDeducted the XXXX XXXX charges against. Call customer service again they said it was only a temporary credit. Filed another claim. XXXX Again deducted XXXX XXXX charges totaling {$840.00} debit memo VD XXXX. Called customer service said they could not see the charge as it was internal. XXXX received letter dated XX/XX/XXXX from bank in Spanish but could not read. It appeared to reference fraudulent XXXX charge of {$250.00}. XXXX Received letter dated XX/XX/XXXX from bank : debit reflected in XX/XX/XXXX corresponds to reversal of provisional credit in XX/XX/XXXX. XXXX filed another complaint # XXXX with XXXX XXXX XXXX Said she could not see any history before XX/XX/XXXX. Summary- They have deducted XXXX XXXX fraudulent charges against my account twice totaling {$1600.00}.
07/07/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 009XX	Web
In XX/XX/2019 a mortgage payment was set using the online banking offered by FirstBank in Puerto Rico. Payment was received by the mortgage bank on or before XX/XX/XXXX however FirstBank did not honor the payment despite having sufficient funds in the checking account. This caused for the mortgage bank to impose penalties including an NSF of {$15.00} and a late payment fee on the mortgage of {$91.00} on or about XX/XX/XXXX. This evidence of the {$15.00} and {$91.00} has already been provided to FirstBank. After numerous calls attempting to address FirstBank 's mistake and to provide remedy, my wife and I visited a FirstBank branch on XX/XX/XXXX. We were told that FirstBank attempted to contact us to confirm that the online payment was made by us and were unsuccessful. This explanation is ridiculous for numerous reasons such as the access required to make such a payment online with our bank account, and the double security implemented. But, more importantly, this is a payment that is made every month AND in XXXX the same call was made and confirmed. Therefore, a XXXX-year old child-like level of due diligence of their own records would have provided any required confirmation without the need to even having to call us. After the visit at the branch were a statement was written, my wife and I have made repeated and numerous calls to FirstBank 's customer service line and they have never been able to provide assistance nor remedy the situation. This has caused the loss of scores and scores of hours that should never have been wasted, a damage to our credit score/report and the imposition of fees to us that is also the responsibility of FirstBank.
03/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00745	Web
I purchased my home in XX/XX/XXXX for {$150.00}, XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where live my son who has XXXX and XXXX XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX and his mother is XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
03/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PR 00736	Web
In XX/XX/XXXX, I received a letter that the Santander bank was sold and my account was transferred to Firstbank. I did not know the status of my account. Then I found out that my account was still owned by Santander bank. There was a misunderstanding by myself and I lost access to my internet account in approximately XX/XX/XXXX. My card expired in XX/XX/XXXX and I did not received a new card. This led to assume that my account was going to be managed by Firstbank. In XX/XX/XXXX, I saw in my credit report that there was a balance of {$19.00} in the account and I made a payment through my checking account through my bank 's internet service ( XXXX XXXX ). During those three months, I did not received a notification of a late payment nor a statement of the bank that I had a due amount. Today XX/XX/XXXX, I received a notification of late payment reported to the credit score ( XXXX XXXX ). I made a call to the bank regain access to my account. I found out that I had a past due with Santander bank. Furthermore, I received a letter of first notice of delay of credit card, 4 months after the first due. This was the first and only communication that Santander bank has sent me since the acquisition by Firstbank. This means that Santander bank never sent me a credit card bill for the amount due before this 4 month past due notification. If Santander bank had sent me the monthly credit card bill, I would've paid it as I have been paying all my other credit card bills. The amount due was {$18.00} and they never sent me a bill for that amount. I don't know how I am suppose to know that I owe money to the bank if they don't send me a bill to pay.
02/16/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00959	Web
Complaint XXXX XXXXXXXX XXXX XXXX, is a corporate entity doing business legally in XXXX XXXX with the corporate registry number XXXX. See attachment A On XX/XX/2021 one of the authorized officers of the Corporation, XXXX XXXX, requested a stop payment from First Bank to stop any payments regarding the check number XXXX. Check XXXX, at that time, was losXXXX XXXX XXXX XXXX payed First Bank for that service to stop any payments of check XXXX. See attachment B ( authorized officer ) and attachment C ( request for stop payment ) Nonetheless, on XX/XX/2021 we received the bank transactions and notice that check XXXX was in fact payed to a third party for the amount of {$7000.00}. See attachment D After noticing the transaction, we immediately submit a claim to First Bank in order to know the reasons as why they payed check XXXX even when we did in fact requested a stop payment. On XX/XX/2021 we received a letter from First Bank stating that after reviewing the complaint and making a thorough investigation that did no find any stop payment for check XXXX. See attachment E On XX/XX/2021 we submit a letter again inquiring why they payed a check which we did not authorized payment even when we did requested on a timely fashion a stop payment for check XXXX. It did not make sense that they did not found a stop payment on their systems even when we do have the evidence of such request. See attachment F On XX/XX/2021, we received another letter from First Bank of Puerto Rico stating that after investigating their records, now they did not have any record of such transaction paying the check XXXX for the amount of {$7000.00}.
01/24/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web	Older American
Mr XXXX XXXX, XXXX. and Mrs. XXXX XXXX has a conventional mortgage loan with XXXX XXXX a subsidiary of First Bank an FDIC insured banking institution. On XX/XX/XXXX, Puerto Rico was hit by a category five hurricane ( Maria ) which destroyed the Island electrical grid, cellular platform, for months. On XX/XX/XXXX, Mr. XXXX suffered a XXXX which incapacitated him to work for several months. On XX/XX/XXXX, Mr. XXXX had major surgery to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XXXX, we have been providing documentation. My loss mitigation application was approved in XX/XX/XXXX. Because of the absence of telephone, Internet, and electricity We were unable to receive communications from XXXX XXXX. There are multiple e-mails attesting to this fact. XXXX XXXX opted on XX/XX/XXXX, XXXX XXXX requested Mr. XXXX to initiate the loss mitigation application all over again, and sent the loss mitigation package of required forms despite that it was previously approved by the bank. There are multiple e-mails to prove this fact. But unknown to Mr. XXXX and Mrs. XXXX was the fact that the bank filed a foreclosure procedure and filed a civil complaint on XX/XX/XXXX. This act proves bad faith and is contrary to local and Federal laws and regulations. We are requesting the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX illegal behavior and to mandate the closing of the approved XX/XX/XXXX loss mitigation application. The plaintiffs have all the emails and communications to prove XXXX XXXX XXXX bad faith conduct regarding the loss mitigation application of Mr. XXXX XXXX XXXX and Mrs. XXXX XXXX
03/09/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 33625	Web
Dates : approx ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Names : First Bank Puerto Rico, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone numbers : XXXX, XXXX, XXXX Account Type : XXXX XXXX ( Trust Accounts ) Complaint : There has been a long period of time taken by the bank to set up and secure the Trust account of XXXX XXXX XXXX, grant access, obtain account information and obtain account type fees and benefits. It is taking too much time to transition the account and obtain documents requested. The process has been rife with inaccuracies. I have had to file a tax extension with the IRS and will not be able to file the account taxes in a timely manner. The time it took following up to get this resolved was a drain on my time and resources. Much of the time I was unable to reach the necessary parties for extended periods of time. Many inquiries and contact request to a long time to receive a response. To date I still do not have access to my account. What happened is the previous trustee resigned and I, the new trustee and beneficiary, took responsibility of managing the trust. The company that this complaint is about is First Bank Puerto Rico and XXXX XXXX XXXX XXXX routing number, FDIC Cert # XXXX. The people involved are FirstBank of Puerto Rico, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
01/20/2017	Yes	Credit card	Delinquent account	PR 00969	Web
A couple of months ago I discovered a delinquent credit card account on my credit history report. This account belongs from a bank that I have never done any business with in the past. The firsy step I took is to call the CRA so that they would give me more informaion about this and to know what were the steps I needed to take. They told me to contact the financial institution holding this delinquent credit card account and to deal with them directly and that it would be helpful to file a police report on this incident. Following this persons advice I called the bank and told them about the situation. They asked me to send a bunch of documents which I sent all of them. Immediately after I hung up I went to the police station to file a report but they told me they could not open an investigation without me telling them in which branch, refering to the bank, was this account under my name opened. I proceeded to call the bank and ask them where did they open this account under my name and my social security number and they responded that they could not give that information, which I think they were lying. Anyways, it has been approximately 40 days since I sent them all the documents that they asked for to investigate this and no response what so ever. I sent them an email last week and they never responded. As of this moment I am left without options and becoming to get frustrated. This delinquent account is still on my credit report and most importantly, they were able to open an ccount under my name with my social security without my approval and somehow seem to get away with this type of illicit activity.
03/04/2020	Yes	Mortgage VA mortgage	Struggling to pay mortgage	PR 00745	Web	Servicemember
I purchased my home in XX/XX/XXXX for $ XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where I live with my wife and my XXXX year old XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
08/14/2019	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	PR 00949	Web
On XX/XX/XXXX. I go to branch to close my account due to my bank checks were robbed. I told representative my concerns about maintain account open. I fill up documentation. I had on my account previous of clossure {$27.00} the representative tolds me due to close the account before the year the will charge {$15.00}. Process a transfer to my personal account of {$12.00} and left {$15.00} on the account. Next day XX/XX/XXXX, I received a call from branch and told me the account couldn't be close because a payment of {$20.00} from a service I authorized income to the account. They pay the amount cause on my account I had {$27.00}. They acredited to my personal account {$12.00} but they never deducted the {$12.00} from the main account. They charge me {$15.00} for insufficient funds to proccess the transaction of {$12.00}. Plus I have {$4.00} charges for the account in negative. I transfer to the account in issue on XX/XX/XXXX. {$46.00} dolars. I call customer service to report the issue they told me monitor the account and call them. I notice on my account only had on XX/XX/XXXX {$11.00} so I transfer today {$2.00}. My account have {$15.00} dollars at the moment. I call the customer service. Asking if the can take action or verify to branch to complete the process. They tokd me I have to wait until tomorrow XX/XX/XXXX to the accoubt get cleared. And I have to go again tonbranch to close the account. I told them I already submit the documentation. But they told me I have to go again to do the same process and no warranty of more charges in the time remains open.
12/01/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 33870	Web
In XXXX he took out a car loan with First Bank Puerto Rico. In XX/XX/XXXX I had a car accident where the unit was declared total loss and the Insurance paid in full ( GAP ) to the bank. Since that time, said bank has reported different versions to the credit agencies where the last thing they have done has been to update an alleged debt of {$7700.00} where they converted a car loan into a personal one, even informing that I recently stopped paying which is not true. This banking institution is well known for this type of tricks and false information towards former clients or people who have had similar situations to mine. At the same time, I have communicated with these people, which I have received from them, they have been threats, they have even told me to stop all procedures in the credit agencies. Mode of operation the person has an accident, the unit is declared a total loss, they collect the gap and additionally wait a few months later and install a new debt in the credit agencies when they have already collected the total loss of the unit. I hope you can investigate this situation as I am not the only person who has been through this .I have tried to get this bank to fix the information on my credit but what they have done is threaten me and change the information by reporting fraudulent information. In all the credit agencies I have objected to the information that appears for which I have a history of claims and what this bank has done is update the information and put it as if it were recent or they are reporting false information
10/31/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00646	Web
On XX/XX/2021 around XXXX am I went to an ATM belonging to First Bank of Puerto Rico. I tried to withdraw {$200.00}. The ATM didn't dispense the money. I called immediately to the XXXX of the ATM and he told me that I have to call the bank. I called First Bank of Puerto Rico and the person who received the call told me that I have to wait XXXX hours before I present a complain. After XXXX hours I called the bank and XXXX XXXX XXXX help me with the complaint. The number is XXXX. She told me that I have to wait XXXX labors day ( until XX/XX/XXXX ) in order receive a notification if the complaint proceed. After XXXX labors days I called and they told me that I have to wait until XX/XX/XXXX because the complaint was closed on XX/XX/XXXX and reopen in XX/XX/XXXX without any reason why it was closed and reopened. And I have to wait until XX/XX/XXXX ( for a new XXXX labors day ) for a response. XXXX XXXX XXXX gave me the new number for the complaint ( XXXX ). In XX/XX/XXXX, I called the bank and they told me that the complaint was denied. XXXX XXXX XXXX assisted me in the information. I went to the bank in person and they told that I have to present a written document explaining the situation and present a reconsideration of the denial. It was process on XX/XX/XXXX. Until Friday XXXX XXXX the bank have not respond to my complaints and I have received my {$200.00} that ATM didn't dispense. The bank didn't present me with a photo or a video that proof that the money was dispensed. I need you help with this. Thank you.
05/03/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MA 01453	Web
On XX/XX/XXXX, I opened a complaint to First Bank PR due to the fact that the bank was not reporting the correct date of first delinquency to both XXXX and XXXX credit bureaus. I provided with all the documentation to prove that the date being reported was incorrect and that this date was to be corrected when reporting this account to the credit bureaus. On XXXX, First Bank PR responded to this complaint and admitted that the date being reported to credit bureaus was incorrect and that they submitted a request to both XXXX and XXXX to have this date corrected. First Bank PR attached to the complaint the form used to report the corrected information ( see attached ). I have also attached to this complaint a copy of the previous complaint showing the bank 's response. The correct date that First Bank PR should report as " Date of First Delinquency '' is XXXX, as you can see in the original complaint. XXXX proceeded to update this date within 3 days of the bank 's response but XXXX never updated the information. On XXXX I called XXXX and explained the situation and provided them with the document that First Bank said they sent them. XXXX explained that they never received a request to update information in the account on or around XXXX XXXX XXXX and that they could not update the date. Per their records, they still show the incorrect date of first delinquency. I request that First Bank PR contact XXXX and request them to update the date of first delinquency to the correct date, which is XXXX
08/07/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 33166	Web
I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same. Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt. I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )
07/25/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	PR XXXXX	Web	Servicemember
I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.
08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 10455	Web
As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.
09/23/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR XXXXX	Web	Older American
On XX/XX/2022, I made a cash deposit after cashing a personal check at my bank First Bank in Driving XXXX XXXX. I went to the ATM machine and deposit the cash from the check that was {$220.00}. and the ATM machine rejected it twice I decided to go to another Fist Bank. I went to the one that is on XXXX XXXX XXXX, and it happened again but the second time it rejected the deposit the machine only returned me {$5.00}, and it never gave me a receipt. So, I enter the Bank and explained what happened and they told me that the deposit was not showing. They told me that they will do an investigation to see if there's any irregular movement. I ask if they can at least check the ATM machine to see if my money is stuck and they say they can't do that and also said if they can count the money so they can see that there will be {$220.00} extra and they said that i have to wait 10 days for the investigation. They when the 10 days passed, I call to see what had happened with my money and they said that they didn't find anything irregular with the ATM machine, and that was the end of it. I would like for an extreme investigation because I am certain that the ATM machine kept my {$220.00}. They can even check the video camera that doesn't lie. Also, when I was doing my claim there was other customers saying that was not the first time the ATM machine was not working right.
05/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PR 009XX	Web
I had a comprehensive insurance claim on my vehicle. The insurance company issued two checks. The first one check was already endorsed and released by the the lien holder First Bank. The 2nd check in the amount of {$1200.00} which is in the name of First Bank and myself is to pay the body work repair. The Body Work has been completed. The person who did the body work repair is still owed. I owe the lien holder the next due of XX/XX/XXXX. Due to COVID and the fact that I am a XXXX employee, I have no work. First Bank refuses to endorse and release the check to pay the Body Shop. First Bank is demanding that I bring the account current or they will endorse/release the funds. First Bank is attempting to keep the portion of funds needed to bring the account current. The Vehicle is a XXXX XXXX XXXX with a payoff of about {$4000.00}. The Bank had originally refused to take the amount in full of the insurance to settle the debt owed on the car and for me to not fix it. Now comes First Bank to refuse to endorse the check. First Bank has also requested for the vehicle to be Repossed. I applied for the moratorium and First Bank has refused to work this out. First Bank is aware that the value of the vehicle exceeds the what is owed. First Bank is now adding additional costs, fees and legal fees. I demand to have First Bank be investigated for predator lending.
12/01/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00926	Web
In XX/XX/2020, after the first 15 years, my mortgage loan ( " balloon '' type ) reached their maturity status. According to the terms of the loan, 60 days before this date, the bank was supposed to send me a letter stating the options I had for the next 15 years. I did not received any letter from the bank regarding this matter. Since XX/XX/2020 I tried to connect with the proper division at FirstBank but not until XX/XX/2020 was I directed to the Loss Mitigation Division. My complaint is that the bank is not willing to accept the terms that were specified in the original loan to take place after the first 15 years. This is so according to the documents the bank send me after paying {$60.00} to get it ( I am submitting copies of these documents ). Before that an officer from First Bank responded in the following manner to my request : " I hope you are well, the case was consulted with our lawyer and since it is the case of the Firstbank portfolio, the case is worked differently than the case in XXXX XXXX, because that other loan is from a XXXX XXXX investor and they have a product to work with as a streamline. Now to work with the expired ballon you have with us, you must submit documentation to be reevaluated and let you know the new terms and conditions of the loan. '' This is different from what the original terms of the loan specified.
02/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33027	Web	Servicemember
I have a mortgage with 1firstbankflorida for 10 years. XXXX each year I receive a review of my account In Febrary This year I received a notice dated XXXX/XXXX/2016 my escr escrow account was short {$570.00}. days later I received a notice that my escrow account was short {$430.00}. I phoned, spoke w/XXXX XXXX, and was told she would check into it but to pay the shortage ( created by a change in insurance company ) of of {$420.00} which I did. My next letter after check was received showed a shortage of {$280.00}. ( XXXX less {$420.00} balance should be {$12.00} ) ... and still another letter saying escrow was short {$290.00} which, if not paid by XXXX/XXXX/2016 would result in monthly mortgage payments of {$1200.00} rather than the XXXX projected. I was ( verbally ) told not to pay the {$290.00} by XXXX XXXX and now my records shows me owing that {$1200.00} rather than the {$1100.00}. My taxes were raised XXXX this year and insurance lower by {$100.00}. How can I owe this????? also one statement shows them paying {$810.00} for homeowners ( which was what my direct bill showed ) and their statement showed {$810.00} then {$89000.00} and the government XXXX shows they paid {$1000.00}, How can a bank have so many variations in their accounting? I do not trust their figures at this point and would like a government check on their records.
10/03/2023	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00949	Web
The fraudulent incident happened on XX/XX/XXXX, at XXXX pm more or less in which appeared XXXX unrecognized and unauthorized transactions of {$400.00}, {$160.00}, and {$3800.00} made to a commerce by the name of " XXXXXXXX XXXX XXXX XXXX. Then, my father and I called the bank to notify them that there had been a fraudulent incident and wanted them to cancel the card, activate a new one to replace the one with the fraudulent transactions, have the money lost in the transactions accredited back to my account, and for evidence regarding the transactions. We then spoke the next day with another 1st bank representative to get an update on the situation, and the person then informed us that the full information of the transactions takes a few days to reflect on the bank application. We did this process XXXX times with customer service representatives by phone following the instructed procedures by the bank. After that, they sent us a physical letter on XX/XX/XXXX in response declaring that : " the claim related to the transaction ( XXXX ) detailed below do not proceed. The documents and further evidence demonstrate that the following were made processed correctly '', with which we did not agree at all due to the fact that in that same letter, no true evidence of any of the transactions being authorized correctly was provided.
12/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00667	Web
I want to inform that I need to do a chargeback process in a transaction through my bank account. I bought some devices for my company via XXXX in XX/XX/2020. The seller promised to deliver the device in less than one month. On several occasions I was in contact with the seller who told me that he had problems with the order but they'd deliver. I have already spoken with XXXX directly and with the Seller in the last 4 months without any help from either of them. They do not want to return the money or give the devices that were promised to me. They even sent me devices that don't work and wrong chargers. I enclose all the messages that I have exchanged with the seller. Even the representative who sold me the item does not work for the company anymore but the new representative does not reply to my messages. Due to the lack of communication from the seller and his company, I have to turn to you to start a chargeback process in the transaction of XX/XX/2020 for {$3700.00}. I add the tracking numbers I have. XXXX platform showing the devices were delivered to XXXX US, despite my address and order being for Puerto Rico address. XXXX XXXX Tracking for wrong chargers/devices that are not part of my order. These were delivered to my house but didn't include any of the materials I ordered. USPS XXXX
10/04/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AR 72034	Web
I opened this checking account at the XXXX XXXX branch. I encountered problem after problem, eventually leading to me requesting the account be closed. I am not bilingual & the English-speaking bankers did not seem to be able to understand my requests either. I requested to update my phone number multiple times ; I was told it was completed, but it still has not been completed. I requested to update my address, and even provided a utility bill showing that the address was incorrect. That was not completed either. I received a debit card with the incorrect name & was then told I'd need to go back to the branch to have it corrected. I did so, and it took 3 hours to get my request completed. I requested checks on four separate occasions, but they were never sent. Eventually, because of all of the continued problems I requested that the account be closed. I was told that it was, and confirmed. This was in XX/XX/2022. As it turns out, the account was not closed & was left open. The bank then proceeded to charge off the account after assessing dormancy fees & overdraft fees on the dormancy fees. None of these fees are valid & should be immediately reversed. Further, the bank has reported the checking account as being charged off with a balance of {$13000.00} to XXXX. That is absolutely incorrect.
09/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AZ 85326	Web	Servicemember
Greetings. The options presented in previous steps does't actually reflect my case. My case is that I got a new car loan in XXXX XXXX prior enlisting in the XXXX. After XXXX, and XXXX XXXX, got orders to XXXX to Arizona. I spoke with the bank back in XXXX XXXX to emit a letter that let me bring the car with me to my new XXXX. The bank 's answer was that they can not do that because the car still belonged to them and if I wanted to ship the car, i had to completely pay off the whole loan so the car becomes mine and do with the car whatever I wanted. I am still paying the vehicle loan on time but the car has been unused for the past 3 months because I can not bring it. I have tried to sell the account to interested people without any success. I also tried to refinance the vehicle with stateside banks/credit unions to bring the vehicle but I will end up paying way more with the new loan. I'm desperate with this situation because I can't find a buyer, I'm paying $ 500+ monthly to keep the car payment up to date but I'm starting to find myself financially " tight ' every paycheck. I just want to give the car back to the bank without affecting my credit and be released of that burden. If I were using the vehicle here with the same payment, I wouldn't be asking ; screaming for help.
05/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web
I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous. Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 009XX	Web
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they made an unauthorized request for my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail with a set of questions. After a back and forth that took several months with FIRSTBANK requesting more personal information that I didnt particularly want to share with them on XX/XX/2020, Mr. XXXX XXXX from FIRSTBANK finally acknowledged their mistake and proceeded to correct the unauthorized credit inquiry, but that was only after I sent a copy of my Drivers license and Social Security card as they requested. On XX/XX/2020, Mr. XXXX XXXX declined my request to return the copy of my Drivers license and Social Security card allegedly because they are required to keep documentation about their clients. Please, ask FIRSTBANK to return the copy of my Drivers license and Social Security card that I only sent to them to validate my identity and correct a mistake of their making. Im not a client and dont feel comfortable with FIRSTBANK having a copy of my personal documents. The only thing that they have proven is that they cant protect confidential information from their own employees.
11/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22202	Web
I took out a car loan with First Bank of Puerto Rico back in XX/XX/XXXX. I completely paid said loan on Tuesday XX/XX/XXXX. When paying off the loan, I accidentally made an excess payment through their online portal for the amount of {$490.00}. I contacted the bank throughout the month of XXXX to get the payment back and have been compliant in providing evidence from my primary bank, XXXX XXXX XXXX XXXX EXHBT 1 ). Even after showing the evidence, the bank denied having received the payment. After several weeks on XX/XX/XXXX, I get a letter dated XX/XX/XXXX stating that they did indeed receive the payment and that they would be sending me a check with the amount ( EXHBT 4 ). To this day, I have not yet received the promised check from the bank. I keep calling every month and their Department & Lending claims staff say they have tried sending the check to my address and that it is not valid. This does not make sense as they sent the letter saying they would pay the money back to the same address! They have also stated that they have called my phone number which is false as I have not received any calls ( XXXX ). They never call me back to try and resolve the issue and just say " They will try to escalate and get back to me '' It has been 4 months of this.
11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00987	Web
On XX/XX/2018, I made the payoff payment of my auto/leasing loan with FirstBank Puerto Rico number XXXX, this payment was processed a week later, First Bank PR continue reporting a wrong information in on my credit report with XXXX that is prejudicial to me. FirstBank PR continue reporting that the loan is active open and with past due balance plus 180 days affecting my credit. I made a dispute with XXXX XXXXConfirmation Number : XXXX -completed on XX/XX/2018 indicating that FirstBank PR indicates that account is open and on past due, information thats not correct. I contacted XXXX on XX/XX/2018, and they indicated that still ( according to the last reported day of FirstBank of PR on XX/XX/2018 ), they are reporting that the account is " Open '' and on " Past Due '' with more than 180 days, the correct information must be " Closed '' and " Paid off ''. Yesterday XX/XX/2018, I contacted FirstBank PR by phone and they indicated that they are going to send me a letter so that I can send it to XXXX by mail. I let them know that they are responsible of provide the correct and updated information to the different credit reporting agencies. They dont provide any further resolution either take an effective action to correct their actions.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33177	Web
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco XXXX, continue with it making monthly payments until XX/XX/XXXX when it was closed. My acquisition of an account with Banco XXXX of PR ( XXXX ) was through a change made by the banking institutions of Banco Santander of Puerto Rico and Banco XXXX Puerto Rico. Once the institutions were joined, my Santander bank credit account goes to the XXXX XXXX, for which XXXX assumes responsibility for it. The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the XXXX Bank and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case XXXX.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	PR 00921	Web
Hello, On XX/XX/2021, First Bank did an unauthorized hard inquiry into my credit report. I applied for a personal loan on XX/XX/2021, and I authorized that hard inquiry. When I was approved for the personal loan with a very high-interest rate despite my excellent credit, I asked them to provide the credit score they were using in order to base the interest rate of the loan. I explicitly told them to not check my credit score again because they already had that information from XX/XX/XXXX, and that the credit report is good for 30 days. But despite my warning to not check my credit score again, they did a second hard inquiry on the XXXX without my knowledge or consent. I want to dispute this unauthorized hard inquiry since it was excessive and unauthorized. I have decided not to take the high-interest loan they offered me, and I am still looking for another loan provider, this second unauthorized hard inquiry, lowered my credit score by 3 points and will affect the interest rate of the personal loan offer with another financial institution. Address of the First Bank branch in dispute : First Bank Attention : XXXX XXXX, Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your attention, XXXX XXXX XXXX
12/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR XXXXX	Web	Older American, Servicemember
My XXXX & I, we had Account # XXXX with XXXX XXXX, by the end of 2016, my husband XXXX. And we begin the process of Declaration of Heirs. When we had the Declaration document and all the heirs were present, we visited the Bank branch, but we could not complete the process, because the declaration was missing some XXXX stamps. At that moment we asked the XXXX to process the check, take the signatures of the heirs ( XXXX of them reside outside of XXXX XXXX XXXX, to retain the check, until we came with the stamps on the declaration, but they refused this request. and said account would remain inactive ( frozen ). But the claim is that if said account is inactive and nothing could be done until we could return with all the heirs present, because XXXX XXXX continues to make monthly charges, profiting and decreasing my funds, which belong to me. At the beginning of this process, the balance was for {$1700.00} and currently owes it for {$1000.00} ( XXXX ). By XXXX, the claim was made to the Commissioner of Financial Institutions of PR, but they told us that they did not have jurisdiction. I understand that it is not fair, that if said account is frozen, it should be for both parties, and not XXXX XXXX, profiting from my money.
03/30/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR 009XX	Web
I applied for a FHA mortgage loan on XX/XX/XXXX with First Mortgage ( First Bank mortgage division in XXXX XXXX ). The sale was first supposed to be a shortfall but that fell through ( I was not informed of this by the bank ). In XXXX close to the closing date I called the closing XXXX to ask about my case. That person told me that she was on vacation and what was she supposed to do. The bank contacted me to close on XXXX XXXX XX/XX/XXXX. We even scheduled the closing for XXXX pm. After that call, like XXXX minutes after, the bank called stating that there were some documents missing for the closing. Documents that bank had in their records since XXXX. Radio silence until XXXX when the realtor handling the sale on behalf of the sellers called me asking what was the status of the closing. I called the bank and was informed that since a lot of time had passed since XXXX the process expired and had to be started again. I lost money ( apartment appraisal ), time and even points in my credit report for nothing. I decided to continue ( start over ) the process, with a new closing date of XX/XX/XXXX. I paid for a new appraisal, again lost points on my credit report and as of today XX/XX/XXXX my loan is in process.
10/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PR 00956	Web
I hace a crdit card with Mster Card that i Pay through First Bank for over 10yrs. Last month XXXX i didnt recive my statement, but i pad 2 days before its deadline the XXXX. On XX/XX/2020 i called XXXX XXXX XXXX XXXX, i spoke yo XXXX XXXX. I explained i hadnt received statement of but i had made payment on time. He said a {$4.00} charge Is applied for a copy of a statement, and interest Is also applied towards that amount.This payment was for XXXX The strange thing Is that i received the copy of the statement in 4 days from the call i made them, i received It on day XXXX. I shoud have received by now the XXXX statement and havent received It yet. How Is it that i dont receive statement but i receive the copy which cost me $ XXXX interest. Again this month, i will ve paying without my statement. Its obvious to anyone to know the game they ar playing. Its more than resonable that they crdit me all the 2x {$4.00} charges and interest. i have PERFECT payment history and paying over minimum 100 , % of the time, paying them even when under these dificult times. My name : XXXX XXXX XXXX /telXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PR XXXX My email : XXXX Please. advice, XXXX. XXXX XXXX
08/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web	Older American
If you refer to my complaint XXXX, I indicated that First Bank Puerto Rico made several failed attempts to pay my hazard insurance from escrow as they are required to do so. Once of their checks to the insurance company was returned because they issued a stop payment because they thought the check was lost and decided to pay by corporate credit card due to the fact that my insurance lapsed. To add insult to injury, they are imposing a NSF fee of XXXX for THEIR returned check. Not a check I sent. I have attached the letter regarding the NSF fee and escrow transaction history indicating the failed attempts to pay insurance, the credit card payment and THEIR returned check that they sent from my escrow. As you also may notice, I have several complaints against First Bank Puerto Rico and also counted 68 complaints, some very similar in nature from other consumers. To that point, I ask what is the role of CFPB because don't see any sanctions or penalties from any of my complaints or the 68 others? Does the CFPB really " protect '' the consumer? It appears that the CFPB is allowing First Bank Puerto Rico to abuse many consumers including myself with their sheer incompetence.
11/29/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PR 00983	Web
Hello! Im reaching to you guys because of a personal loan I made with the First Bank Puerto Rico of {$20000.00} dollars and its a new loan in which my first payment was for the amount of {$450.00} according to our contract starting due date on XXXX and In advanced I payed the XXXX of XX/XX/2022 and they acceppted and confirmed that the breakdown of how the first payment was applied was around {$180.00} for the principal and around {$270.00} for the interest. Till that time the information was fine with me. But for my surprised suddenly the next payment I made in advanced as well the XXXX of XX/XX/2022 for a due date on XXXX for the same ammount of {$450.00} I asked how was the breakdown made and they are saying all the ammount was applied to the interest. I feel worried and concerned of how my payments are being placed because they arent able to explained to me how its that possible beacause Im paying with one mont ahead of my actual due date. I feel some type of way deceived and in a fraudulent action. beacause till this day the institution of First Bank doesent have any answered and any mantenence for that payment. I would like an investigation for this situation please.
06/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web	Older American
I have my mortgage with FIRSTBANK PUERTO RICO and they require an escrow account and pay my hazard insurance and property tax from that account. In XXXX and again this year, there has been difficulties with the check reaching my insurance company. Last year, my hazard insurance policy almost lapsed due to a late payment. Again, this year the check never reached my insurance company. Of course they have the correct address for XXXX XXXX. Management at FIRSTBANK PUERTO RICO blames USPS which is unacceptable. They are responsible for timely payment. I suggested they used XXXX or USPS overnight with tracking as we are very late and this time the insurance will lapse and management at the bank was bold enough to suggest that I should pay for the extra shipping charges. I refused. I have attached email correspondence which shows this occurred last year in XXXX and again in occurring now in XXXX. This is a serious situation as my insurance will lapse. I don't have the funds to pay myself. Also in summary, you may see other complains from me regarding FIRSTBANK PUERTO RICO. They are incompetent and in my opinion, should seriously be investigated.
08/11/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR XXXXX	Web
On XX/XX/XXXX I attempted to access my checking account to pay my bills and was unable to enter my account. I entered the login information correctly and was kicked out immediately. Received an email warning me of a duplicate session. I called the bank and went through the routine, clear your browser, etc, etc. I was told the issue would be resolved by close of business that day. I tried logging in the next morning XX/XX/XXXX and the same thing happens. I called again and was told I would receive a call from the bank. The call never happened, On XX/XX/XXXX, XXXX, XXXX, XXXX did the same thing. Could not login, called the bank everyday and was told they were working on it. That they had many customer issues to take care of and would get back to me. At this point my bills are already going to be late for payments. I asked the rep to just have my account reset. To send me a link via email to do so. Apparently that is not possible? This is ridiculous! Today is XX/XX/. I still can not access my First BanCorp account. AKA 1First Bank in Puerto Rico. The level of disregard for customers in the banking industry on this island is beyond unacceptable.
07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33334	Web
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
10/07/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 006XX	Web
My husband and I received a letter from Santander Bank about our mortgage indicating that they had not received our last payment and that we owe {$2900.00}. I called the bank and they said that they are not dealing with mortgage issues because First Bank acquired them ; therefore, I had to call First Bank. I called First Bank and they inform me that on their end, all payments are up to date and there is no issue. Even so, my credit scores and my husbands credit scores went down more than 50 points which because Santander closed our mortgage. Now we do not understand why we are being penalized in our credit scores for something that is not under our control. We called XXXX and XXXX and they both explained that it is automated by a formula. Which we understand, but the formula does not contemplate that we had nothing to do with the change of bank portfolios! Is there any way this can be fixed and get our credit scores in good standing? We have responsibly paid all our debts and have worked hard to better our credit scores, especially after Hurricane Maria when everything was such a mess. I am available to talk about this : XXXX
08/25/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PR 00659	Web
Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.
04/03/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR XXXXX	Web
We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.
10/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00617	Web
I have a XXXX XXXX XXXX and the servicer is FirstBank. I have been in Mortgage Moratorium since XX/XX/XXXX and the moratorium expired on XX/XX/XXXX. FirstBank does not want to provide me with alternatives. They want me to cover the amount of {$12000.00} in a single payment. I am enrolled in a Federal Treasury program run by the XXXX XXXX XXXX Department where I am eligible to cover those months in arrears and bring my mortgage up to date the program page is www.covidhipotecas.com but FirstBank does not want to extend the moratorium or give me additional time to complete my process with the housing department and be able to cover the months in arrears. They tell me that since 18 months have passed to this day they will begin the legal process against me to take away my house and damage my credit, I consider it unfair since the Covid-19 Pandemic has not been my fault but FirstBank and XXXX XXXX show indifference to my suffering and do not want to give me options, only to deprive me of my house and damage my credit, which seems very unfair to me. I need help to preserve my home and protect my credit.
08/07/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00624	Web
I go to the plaza del caribe location on XX/XX/XXXX and XXXX to deposit {$100.00} to cover an amercan express transaction at XXXX and the branch officers told me that the branch is closed. That there is too much customers. I tried to deposit cash on the atm and the Atms told that the card dont work. The bank gives me a provisional debit card that dont work for the transactions. Today XX/XX/XXXX I have a transaction of {$15.00} for a fantasy transaction. They dont post the amex returned payment but charge the fee on the statement. I go today XX/XX/XXXX to the XXXX branch and the manager XXXX XXXX XXXX XXXX attended me, and she dont want to help me. And dont understand the problems. I asked her to fix my debit card problem and she dont want to fix the problem. I ordered her to close the account and she told me that today that is not possible. I want from today XX/XX/XXXX the account closed as my order request was denied by the branch manager. Her service was poor. I asked to give her a letter for the closure of the account and she refused saying that its dangerous clousing the account with a letter.
11/16/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 337XX	Web
On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them. After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX. I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico. These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications. Please need your help to fix this immediately. Thank you very much!
08/03/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	PR 00976	Web
First Bank send a letter stateting that I have a over draft account by XXXX cents and that I should go to the branch and paid the amount before five days so I don't get charge for extra. I went to the XXXX XXXX XXXX Branch to make my deposit and close the account and they did not let me because the accout was inactive. I told tha manager that the account was inactive for many years as it was form another bank ( Santander ) that merger with First Bank on this year. I told the Branch manager that all I want is to paid the over draft amount and close the account, but she did not help me and said to me that I have to wait for somebody to re-activate the account and paid any other bank charger. I told her that is unacceptable as I never open a account with this bank and that I will only paid the over draft even due I don't accept it as I left the account from Santarder in good standing many years ago. Still she never gave any support on my arguments and never offer a wait to finalize this XXXX situation. First Bank must teach there employee to manage this type of situation. Very bad experience.
06/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web	Older American
My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount. The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI. Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).
01/31/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 33138	Web	Older American
I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX. I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence. The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft. I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.
12/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33189	Web
On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed. On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
02/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33185	Web	Older American
I had a mortgage with First Bank Puerto Rico and refinanced in XXXX of 2021 with another lender due to the continual frustration with the servicing of the loan. I've made several complaints with the cfpb in the past regarding those mishaps. I have been attempting to get the status of the 1098 tax form from First Bank Puerto Rico via numerous phone calls and emails. I get a different response every time which includes the 1098 form is mailed already, the 1098 form will be mailed by mid to end of XXXX of this year, the 1098 form will be mailed next week. Historically, I've never been able to get mail from First Bank Puerto Rico. They blame USPS. To that point, I asked that the 1098 be emailed. I received an email from a person in leadership stating the 1098 form will be mailed ( attached ). Did not receive it and during the last call to customer service, I was told that 1098 forms are never sent via email. Yet another discrepancy in information provided by this lender. I might add that I no longer have access to their portal since the loan was paid off.
07/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
I bought an apartment and used FirstBank Corp Puerto Rico as a mortgage lender in XX/XX/XXXX. At the closing the real estate property taxes were supposed to be paid for by the mortgage company as the HUD statement says they took the balance form the seller proceeds so that there is no property tax debt when I become the owner. I've been trying to reach them since XXXX because the local property tax agency still shows a debt from before my purchase and is constantly sending me tax bill collection letters for preXXXX debt that I do not owe. Upon contacting the bank several times in XXXX, XXXX, XXXX and this year I get no resolution. It was about a week ago when I was told by one of their customer representatives that the check was sent and never deposited by the property tax agency. The debt stands at almost 50 % more of what it was and I need this bank to settle it to zero as I am in the process of a sale of this property. Note : ALL my taxes from the moment I acquire the property until today are paid for and zero debt from my end.
01/24/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	PR 009XX	Web
I am a resident of XXXX XXXX. Our island was hit by Hurricane Maria in XX/XX/XXXX. That was the month the residual on my lease was due of which I was unaware. The bank never sent a letter or called me to inform me of this. First Bank which is the lender, sent out an email informing customers that due to the impact of the hurricane they would not charge the monthly payments to customers. Since my lease was auto pay, it stopped during XX/XX/XXXX and XX/XX/XXXX, but it was not due to their hurrican relief effort, it was because the {$12000.00} residual was due and they never informed me. I only became aware when I received collections calls. I left the island to be with family in XX/XX/XXXX so I was unable to do anything. Once I returned the last week of XX/XX/XXXX, I traded the car in for another one. But they had already reported my lease 60 days past due, adversely impacting my credit score. In addition, they made daily collections calls during that time, even when I explained my problem over and over, resulting in emotional distress.
04/09/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	PR 007XX	Web	Older American, Servicemember
1. Submitted a Deed In Lieu Of Foreclosure to First Bank PR on XX/XX/XXXX. 2. Received a tel. call from XXXX XXXX XXXX, Mitigation Dept., requesting ; revised application letter, evidence of health condition, certified evidence of income sources. All documents requested were sent from the Bank 's XXXX XXXX on XX/XX/XXXX. 3. Sent a certified letter which was received by the Bank on XX/XX/XXXX requesting information of the status of my case. 4. Spoke to XXXX XXXX on XX/XX/XXXX who indicated my case had been denied due to lack of documentation. 5. Received letter indicating the aforementioned, signed by XXXX XXXX, dated XX/XX/XXXX. The letter indicated new requirements ; requesting letter, reason for arrears, tax returns, family income/expenses. 6. Prrsonally met with XXXX XXXX on XX/XX/XXXX at which time I was informed the documents were complete and no additional information was required. I told her I would file a complaint due to the thier violation which regulate the process of mitigation. 7. Bank acct # XXXX VA acct # XXXX
07/03/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VI XXXXX	Web
XXXX removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through XXXX and that there is no authorization from the account owner, as there is no signature. * The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. We have spoken to the customer and they have indicated that there was never a fraudulent claim made, nor was there a request for funds to be returned. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
05/08/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MD 21045	Web	Older American
Yesterday XX/XX/2018 I recieved a phone call in my neighboors land line ( not even I know the number ). The operator called about a car loan from FirstBank in Puerto Rico. I had preciously contacted the bank about my financial situation following Hurricane Maria since the car was purchased as a working vehicle for XXXX. With cero electricity for months and thus no cellular connecticity, this was impossible as XXXX shut down operations. The operator from XXXX XXXX, located in XXXX XXXX Puerto Rico ( XXXX ) not only contacted a third party without my consent, but also threatened to report the car as stolen and said twice that I was asking for blood. I also have a voice message with her threatening to proceed, without any further explanation whatsover. She refused to give me her full name and only identified herself as XXXX XXXX. Therefore, as instructed, I am submitting this complain and look forward to receiving a complainy number as I wish to contact FirstBank to negotiate the debt. Thank you, XXXX XXXX XXXX XXXX
07/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Web
Hi, I pass a lot of days, months a year ... more than a year fighting for my house ... My roof ... I pass about maybe five processors in trying my loan modification since XXXX XXXX. Then XXXX I start a modification because my income has changed ... already I received XXXX XXXX XXXX to work. But this people started with a processor that one resign to the bank and then other that I always send email making following and calls over and over and another one and another like ghost but they dont stop the foreclosure. This is so hard for me because at same time this bank make me more sick than ever ... I understand that I can paid my house YES. But all the time FIRST BANK OF PUERTO RICO says they want the house ... yes I got another house that was currently payment. But this house in XXXX XXXX is the first one. Please a need HELP FROM YOU BECAUSE THIS IS THE WORST THING I EVER LIFE AS SAME MAKE ME SICK ... ( losing weight about 40 pounds to many things, If you need the information from doctor sure be able to should you )
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00953	Web	Servicemember
I noticed in my credit reports that even when this credit card account with First Bank was included in my chapter XXXX bankruptcy, was showing a balance of {$1000.00}, even thou says closed. I worked with XXXX XXXX and XXXX, but they give you up to 3 times to try, then I was told to contact the company directly. On the last try the company made it worst and reported a balance of {$12.00}! When the limit was {$1000.00} and should show {$0.00} because of Chapter XXXX. I wrote to First bank on XX/XX/XXXX telling them about the erroneous reporting includeing copies of the reporting agencies and my chapter XXXX discherge on XX/XX/XXXX. On XX/XX/XXXX they answered that it does not proceed because the balance is XXXX and it was paid off, but never addressed the error about the balance of {$12000.00} and that it appears as past due of {$1200.00}. This wrong information is damaging my score and all this was included in my XX/XX/XXXX letter, and they are not complying with the bankruptcy court order and discharge.
01/20/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 337XX	Web
This new complaint is related with complains XXXX from XX/XX/XXXX, XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. All of these belong to First Bank of Puerto Rico. As you review all of these complaints you can see First Bank of Puerto Rico didnt comply with the law because they only fixed this problem only with XXXX y XXXX. They have been very negligent because in more than a year they haven't fixed the ERROR, I just find out they never fixed the same error with XXXX Late XX/XX/XXXX I disputed this old ERROR through XXXX Web Site and the First Bank of Puerto Rico supposed review this error and they still insist that I owe some money which is ridiculously because they accepted / fixed the error with the 2 Bureau of Credit and left one unresolved. First Bank of Puerto Rico just updated on XX/XX/XXXX, XXXX this error without fixed. This problem is causing me that my Credit Score dropped almost 30 points. Please CFPB help this bank to be more responsible to comply with the law! Thank you very much!
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07105	Web	Older American
Santander of Puerto Rico dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX XXXX demanding balance to be paid, informing that they going to inspect the property. We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks 30 60 days late with this bank. Santander of Puerto Rico was sold to First Bank of Puerto Rico therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down 100 points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments 30 and 60 days from 2 diff banks and a XXXX score )
09/27/2021	Yes	Mortgage VA mortgage	Closing on a mortgage	TX 78254	Web	Servicemember
We started the Short Sale process on XX/XX/2021 and submitted all the necessary documents ( statements, pay stubs, W2s, Tax Income, etc. ) to First Bank of Puerto Rico. Then they requested more documents and we submitted them on XX/XX/2021. Then, First Bank of Puerto Rico send a letter requesting more documents, this time new documents that were not part of the initial packet. On every occasion we submitted the documents promptly. Again, on XX/XX/XXXX they requested more documents and were submitted the next day. We have been trying to constantly communicate with the Loss Mitigation Specialist but no success. Her info is : XXXX XXXX XXXX XXXX XXXX Loss Mitigation Specialist Mortgage Default Tel XXXX Ext. XXXX I called on XX/XX/XXXX and left a message with a person from First Bank that was going to reach out to XXXX XXXX but at this point we still haven't received an update. This process started more than 6 months ago and we still haven't heard a decision on our case. Thanks.
06/10/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VI XXXXX	Web
FirstBank removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through FirstBank and that there is no authorization from the account owner, as there is no signature. XXXX The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. To our knowledge there as no complaint or problem with this customer. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
08/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33196	Web
Closed on a new home on XX/XX/2019 which is financed through 1st Bank Puerto Rico.Before receiving my first statement, I was given a wrong address to send my first payment to by the 1st Bank mortgage broker. It was a minor error that had an incorrect XXXX XXXX XXXX XXXX vs XXXX. When I received the first statement in the mail which was after my bank (XXXX XXXX XXXX Online Banking) mailed the check with the incorrect PO Box, I immediately called 1st Bank customer service and spoke to a gentleman who advised me to stop payment on the check. I did that and made the August mortgage payment via their website instead.Received a letter today in Spanish which I didn't understand so I called customer service and was told that I will be incurring an insufficient funds fee due to the stopped check.This is unfair as it was not my fault. I was given the wrong address and was advised by their customer service previously to stop payment on the check.
06/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 331XX	Web
My husband and I, have a conventional mortgage on our primary residence. We have paid all our monthly obligation on time, which includes P & I & escrow. In addition, required insurance on the property has been paid as well for the years XX/XX/XXXX- XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX ( please see policies and receipt attached ). In XX/XX/XXXX, we paid XX/XX/XXXX-XX/XX/XXXX and on XX/XX/XXXX, we paid the amount to cover XX/XX/XXXX- XX/XX/XXXX ( policy has to be renewed on or before XX/XX/XXXX. Nevertheless, the Bank forplace an insurance policy despite we had a policy placed on time. Today, we have a XX/XX/XXXX YTD escrow account amounting to {$2700.00}, which represents 60 % of the real estate taxes we paid last year ; if this charge continues, we will pay around {$5400.00} ( 38 % more of what we paid in XX/XX/XXXX. This is an abuse since we have our insurance current and our insurance agent has provided evidence of the payments.
04/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22408	Web	Older American, Servicemember
XXXX we got hit with hurricane Maria in Puerto Rico, after some time without power and access to money and damages we had to leave Puerto Rico I am XXXX veteran I informed them of my looses and the said to turn the vehicle to them that they would report it as disaster related. its now years since I have been trying to get them to remove there statement from my credit report if they charged off the vehicle how is it that there is a balance and the account open as I see it they are trying to get pay again I need this off my file its killing me any help would be great thank you here are the accountsFIRST BANK PUERTO RICO Potentially negative Date openedXXXX Balance {$6100.00} StatusAccount charged off. {$6100.00} written off. {$6100.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$11000.00} StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.
04/23/2018	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	PA 178XX	Web
First Bank is unwilling to permit a rollover to a XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Branch Manager, or the main office ), have continue to misinformed of me of the options to withdraw the two Educational IRA that matured on XX/XX/2018 ( Sunday! ). I called on XX/XX/2018, and thereafter, faxed my request, my Bank faxed the rollover request, and last I sent priority mail, with certified signature as well ( within the ten days of making a decision of renewing or withdrawing ) to First Bank. Every step, is a barrier and now First Bank which is an FDIC secured bank, under the Federal Banking laws, and the IRA which are under the IRS laws and regulation, refuses to complied with liquidating and rolling over the two IRAs that are needed for my son going to college, and my XXXX son to prepare for college. I have it in writing that First Bank have stated that they will not transfer or rollover money outside to the USA.
05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	PR 009XX	Web
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they requested my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail along with a specific set of questions. On XX/XX/XXXX, I sent a certified letter over XXXX with all the information requested by FIRSTBANK. This week, I received a letter dated on XX/XX/XXXX in response requesting the same information that I have sent twice plus additional information including a request for copy of my credit report which is the subject of this complaint since it is not of my interest to share with them. My report is confidential and I'm not interested in any financial service from FIRSTBANK. NOTE : This complaint is about an unauthorized request from a bank, not an employer. I don't have or currently am interested in any service from this bank.
01/26/2016	No	Bank account or service Checking account	Deposits and withdrawals	PR 00959	Web
About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account
04/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR XXXXX	Web
I have always had problems with this bank. But this is a new one. Since last year, my insurance has been paying the monthly payment due to unemployment and XXXX. Since the hurricanes in Puerto Rico, they have been late-posting the payments and I believe that is to charge more interest which also affect my credit report with their overdraft. I've been always in contact with the insurance and I have the record of their payments. Three checks were sent and the never post it. The insurance made these new checks on XXXX. Now, the last check was sent on XX/XX/XXXX and it has not been posted. 17 days to post a check by mail? Seriously. Letters arrived in two days. Contacting someone in the headquarters IS IMPOSSIBLE. I have tried to call more than 10 times and I'm always transferred to Customer Services Department THAT NEVER KNOWS A THING. I really, really really hate this bank. I'm very anxious to leave this bank.
10/06/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 009XX	Web
I still waiting for a responses. The bank still sent me the same email indicating the same, that they are going to investigate, and for how long they need to investigate since I open this case in the bank on XXXX XXXX, 2015, and do n't have any responses. Please help me and stop this abuse. Sincerely, XXXX XXXX from my iPhoneOn XXXX XXXX, 2015, at XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. View the details of your complaint and the company 's response so far at : XXXX will let you know as soon as we receive an update about your complaint. Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00682	Web
I bought a car, I was told the First Bank needed an inquiry on my credit for the loan. I unlocked my credit report. Got approved, got the car. When the paying slip arrived, it came with a credit card. I thought it was a promo. when I created my account on XXXX/XXXXXXXX I noticed a line of credit for XXXX dollars. I never authorized nor signed anything. Called he dealership, they said to call the bank. Called the bank and they said the inquiry for the XXXX was used for that, but they are asking if I received a phone call when I requested the signed document. When I check my XXXX XXXX Account there is no data on any other credit card, which was supposed to appear if it was approved if I had requested it. This credit card was sent to my address without my knowledge. So many risks in this transaction, including fraud. They said they will create a case and give me a resolution. My hard work is not a game.
10/30/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33157	Web
I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45365	Web
I am writing to dispute the following information that appears on my [ XXXX, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( First Bank PR XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - First Bank PR XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
09/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00727	Web	Servicemember
in 2015 my wife XXXX, we had a mortgage loan with the XXXX XXXX XXXX XXXX XXXX, she was the co-signer on this loan, so I went to the bank and got the approval for a special forbea-rance or moratory of payments for a year period by the loss and mitigation program of the bank because I am a XXXX and the loan is XXXX mortage loan, but regardless I was approved by the bank to not make payments for one year and only pay XXXX dollars per month, wich I paid on time every month the bank still reported to the credit bureau that I was on delinquency on payments or failing to pay. I understand that this is not fair and the bank was supossed to not report to the credit bureau because a was under a legal agreement with them. I expect there has to be a law to protect the consumers tha are under a hardship situation and had complain with the requirements by the mortgage banks.
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 009XX	Web
First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.
03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00680	Web
In XX/XX/2018, I filed a bankruptcy law number XXXX, which was approved. In XX/XX/2018, I filed a claim with the bank through credit karma, stating that the mortgage loan was not included in the bankruptcy, since it was never in arrears. Because the bank report XXXX balance and payment for the mortgage loan. What I was looking for was for the bank to activate again the account and the credit report. The bank 's response was to delete the account from my credit report, which has negatively affected my credit score from that point on. Today I called the bank, the person who answered me told me that I had to make the claim through XXXX XXXX. I called XXXX XXXX and the person who answered me told me that I could not do anything since the bill is not reflected in the credit report and proceeded to give me the Federal Trade Commission information.
06/30/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PR 006XX	Web
I had to open a case with the XXXX Department of Consumer Affairs. When I bought my vehicle, the purchase order said one thing, but when the promissory note arrived from the bank, there was an unnecessary extended warranty included, plus an unnecessary paint treatment. Both of those things added up to approximately {$7000.00} with interest. I asked the dealer to redo the loan, but they didnt. I have an appointment with the Department of Consumer Affairs on XXXX XXXX. Nonetheless, FirstBank has been making constant threats against me. They call me up to four times a day. Theyve visited me four times, threatening to repossess the vehicle : a XXXX Ford F150. I told them that I have an appointment on XXXX XXXX, and that if they want the vehicle before the Department of Consumer Affairs decision is made, they would have to get a court order.
10/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Web
THIS IS XXXX XXXX XXXX AGAIN THE LAST TIME THAT I WROTE TO YOU TO MAKE A TWICE COMPLAIN WAS ON XX/XX/2021, SINCE THAT TIME AND MORE BEFORE THIS PROCESS OF LOSS MITIGATION THAT I SEND ALL PAPERS AGAIN THE BANK FIRST BANK OF PUERTO RICO NUMBER OF LOAN XXXX. THE BANK NEVER CALL ME, NEVER SEND A LETTER SINCE A WHOLE OF MONTHS AND AND ANOTHER SUPER MISTAKE I LOST MY MOTHER AND FATHER FROM XXXX AND ALL THIS TIME WAITING AND WORKING WITH THIS SAD PROCESS AND NOTHING FOR THE END THIS BANK FROZE MY BANKING ACCOUNT JUST, BECAUSE MY MOM HAS AND MONEY ACCOUNT IN THIS BANK. NOT I MAKE ANOTHER COMPLAIN BUT REALLY ITS SO SERIOUS WITH THIS BANK TO ME BECAUSE I THINK THEY WANT TO WIN TIME TO MAKE ME A TAKE ME THE HOUSE AND I GON NA SLEEP IN THE STREETS OF XXXX XXXX SO SAD. BECAUSE I WORK TO HARD THE LAST 17 YEARS THANKS AND BLESSINGS PLEASE HELP
02/16/2023	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 Investigation took more than 30 days	FL 33309	Web	Servicemember
I've had this mortgage since XXXX of 2016. It's with First Bank of Puerto Rico and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak english and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with First Bank PR, filed disputes with the credit bureaus, and even contacted Fannie Mae. First Bank PR has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.
04/13/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	ME XXXXX	Web	Older American
FirstBank, XXXX XXXX, PR This has been going on for 4 months, 7 phone calls, and 3 e-mails. They just flat out refuse to get it right. At this juncture, I find myself wondering if an employee has stolen the disputed $ XXXX. In XXXX, I wrote a check on my LOC for {$8800.00} and deposited it in my local XXXX XXXX It was returned, unpaid, for " signature irregular, '' but charged to my account. Upon its return, needing the cash, I wrote a 2nd check for {$3800.00}. It was paid, but NOT charged to my account. The result is an erroneous {$5000.00} debt, higher finance charges, and an almost 100 point hit to my previously XXXX credit score. Proof of their error has been submitted multiple times, even including a notarized letter from my XXXX XXXX proving their error, but the saga continues unabated.
03/26/2021	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00662	Web	Servicemember
During the month of XX/XX/2019, without prior notice, the institution increased the mortgage payment which was {$480.00} to XXXX. The institution stated that the increase was due to XXXX taxes. The property has a tax exemption since the mortgage was acquired. In the process, the steps were taken to complete the payment. The time passed but the payments were made even with the increases to the mortgage which were never planned. They state that the increase was by the government regulatory entity, but that mortgage was duly worked and there is a tax exemption of which they are aware. The institution reported the incident to the credit bureau, an action that it considered was preempted, since what caused the dislocation was the increase in the mortgage without prior notice from the institution.
08/17/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	RI 02908	Web
Hello, I could use some help with closing this account which belonged to my father, XXXX XXXX. He passed away XX/XX/XXXX. I have provided all necessary documents to this bank and everytime I call I get told to email them again or to visit the local branch where the account was opened. I am not able to visit the local branch as it is located in XXXX XXXX, XXXX XXXX. I am in Rhode Island. I have all the necessary documents - Death Cert, Declaration of Heirs, and the Relelvo de Hacienda. I forwarded these documents to Firstbank using this email address : XXXX today, XX/XX/XXXX. Please help me in resolving this matter. I have been getting nothing but the run around from everyone I talk to at this bank and I'm worried that there may be some malfeasance of deceased account holder funds.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
First Bank responded, once again, my complaint does not belong to them. Then, how they explain their own First Bank letter from their own attorney, sent by First Bank as an official response, included here, where they assume all the representation of Banco Santander Puerto Rico, including in this case I presented, in spite the evidence shows is impossible, because the Fair Credit Reporting Act Violations where committed by Santander, as well as Fair Debt Collection Practices Act violations? My response to this question, is included, and is directly related to the sale of Banco Santander Puerto Rico to First Bank, who bought it for {$1.00} XXXX dollars. First Bank forgot their client, and probably many others, in exchange for this agreement of {$1.00} XXXX dollars.
11/06/2015	Yes	Credit card	Billing disputes	PR XXXXX	Web
Last year I had a complain with XXXX on XX/XX/XXXX. ( I have the case number and a copy of the letter ). They sent a letter to you and I received it, where they explained what happened with my payments, a letter with explanations, and they did the corrections. This month XXXX is been calling me again asking for the payments of XXXX and XX/XX/XXXX, I called the agency XXXX XXXX XXXX and they have prove and copies of the checks that they sent to the bank, they said that they sent the check of XXXX or XXXX but they did n't adjust that payment, they called the bank, and they still waiting for a response. I called the bank and nobody fix the problem, I ask many time for a bill of both credit card and only received XXXX of them. Once again I have the situation. XXXX XXXX
12/24/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	IL 60639	Web
To finalize the closing of the sale of my house, my real estate agent requested ( she went personally and paid the fee ) my bank First Mortgage ( First Bank Puerto Rico ) for a Cancellation balance letter on XX/XX/2020. I also request it sending a letter by email on XX/XX/2020 and on the Bank Digital Banking Platform on XX/XX/2020. Today XX/XX/2020 we have not received it yet. Both my agent and I have called and carried out all procedures according to the procedures, rules and requirements of First Mortgage PR, and we have only been told that we have to wait. I never had a single delay in my payments, I have always been responsible and trusted that it was reciprocal, but no. Some other papers are about to expire, and the buyer can change her mind and walk away.
06/27/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00745	Web	Servicemember
I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?
02/21/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 009XX	Web
In XX/XX/2019, FirstBank PR blocked access to my accounts, which it marked as overdrawn due to a disputed transaction. In doing so, they would not allow me to view my online statements. FirstBank PR did not mail physical statements for the account. In violation of the Truth in Savings Act, FirstBankPR will not provide access to the last 18 months of statements. In addition, I made a deposit by mail of {$20.00}, but FirstBank PR failed to credit the account. Finally, because FirstBankPR failed to provide access to the statement, I could not dispute transactions in a timely manner which would have cured the alleged overdraft and would have entitled me to a reimbursement of the erroneous overdraft fees. FirstBankPR owes me in excess of {$60.00}.
05/08/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PR 00680	Web
Made a deposit in automatic cashier, the machine got locked and freezes without acknowledging the cash amount deposited in account. I went to the bank immediately and they just told me to wait and to file a complaint. The complaint number is XXXX, I have been following up the issue and nobody explain the process and every time the dates for the investigation to end changes. It was a cash deposit, very easy to corroborate the mismatch and to adjust the money in my card/account. Bank is playing with my money, not willing to resolve the issue in a reasonable time frame period. ( They told me it could be up to 90 days to finish the investigation ). I made the complaint on XXXX XXXX, the money is for my daugther tuition and need it as soon as posible.
08/14/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	PR 006XX	Web	Servicemember
SYMPLE THEY RETAINED MY MONEY FROM IRS WITH EXCUSES OF SCAMMER GOT ACCESS TO BANK ACCOUNT .BUT I HAVE COMMUNICATION OF THAT SCAMMER TRYING TO BLACKMAIL ME WITH OTHER THINGS DONT HAVE ANYTHING TO DO WITH THIS ISSUE ...SO ..THEY DIDNT HAD THE REASON .NOW AS I WARNING THEM... ARE THEY WHOM HAVE TROUBLES .ALREADY I HAD BEEN SUMMITING COMPLAINS IN OTHER FEDERALS AGENCIES RELATE TO PARTS OF THIS CASE .AND I HAVE ALL EVIDENCE. AGAINS ONLY BELIEVES FROM THEIR PART .SO ...PLEASE THIS IS SERIOUS .TAKE FULL ACTION .SHARE THIS TO ALL OTHER AGENCIES RELATED WITH THIS ..LIKE IRS OR GENERAL INSPECTOR OF THE DEPARTMENT OF TRASURE .I AM WATING FOR YOUR ACTION IN THIS CASE ALREADY .ATT. XXXX XXXX XXXX XXXXXXXX
04/19/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR XXXXX	Web
I have a mortgage FHA loan With first Bank Puerto Rico.The bank automatically solds me a property insurance policy emited with XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX the island suffer a earthquake 6.5. My property have serious damage after earthquake, call the bank and given the insurance company number. In XX/XX/XXXX notify about my home damage. About 2 weeks later and ingeneer inspected my property and tells me a final decision about 2 weeks later. At this time, never been received a decision and the bank send me a letter to renew this policy with the same insurance company. I'm very anxious to resolve my home damages, like roof leaks, wall cracked, and home fix to ground damage.
06/07/2016	Yes	Credit card	Cash advance	PR 00987	Web
On XXXX XXXX I did a cash advance from my XXXX XXXX in a ATM of my bank. The bank charge me {$3.00} for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the {$2.00} fee that the bank would charge for this. They ended charging me {$5.00} for the transaction. Besides, they never gave a resolution to my previous dispute. I 'm tired of all the mistakes they are making in my account.
06/07/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	PR XXXXX	Web
I was not receiving my monthly bank statements every month and the last statement that I got it was showing an overdraft due to monies debited by the IRS to repay a student loan. The problem is that Ive never had a student loan. I got proof from my university that Ive never had a student loan but the bank say that there is nothing that they can do. The lender is requesting XXXX {$300.00} in fees that they insist to collect from me. I got in contact with the IRS to resolve the situation. In the meantime, I requested the lender to stop the collection and reporting this negative issue to my credit profile but they insist in collecting the money that they erroneously sent to the IRS
01/15/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00637	Web
I have an FHA mortgage loan with Firdt bank PR, in which I accepted the moratorium starting in XX/XX/XXXX due to the pandemic. I work as a XXXX and I was very affected economically by this situation. In XX/XX/XXXX they tell me that I do not have to make payments until XX/XX/XXXX. In XXXX they tell me that I do not qualify for the moratorium, that I have to pay the 6 months in arrears. My economic situation prevents me at this time, I was only not affected by the pandemic, also by the earthquake of XX/XX/XXXX. My workplace was seriously affected, it is in the town of XXXX. I hope you can help me since I have XXXX underage children and I don't want to leave them on the street.
11/01/2020	No	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	PR 00719	Web
I have an auto loan with First Bank of Puerto Rico, they referred the account to XXXX XXXX XXXX because although loan has been paid off, there is remaining balance due to late fee and interest charges. They contacted me yesterday requesting the balance due of approximately {$1000.00}, I offered to pay {$600.00} and the remaining balance nect month but they declined. Instead they said they were outside my property to reposess my car. I explained that my mother had passed away on XX/XX/XXXX and I incurred in costs but they just answered they did not care and I needed to pay the whole balance or allow them to reposess my car. The used abusive and threatening language.
11/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33027	Web	Servicemember
I have a 14 year old mortgage with first florida bank of Puerto Rico. My ondo insurance has lapsed because they have not paid it in spite of the fact my payments are always on time I phoned the bank 2 weeks straight and left messages each time and never receive the courtesy of a return call in spite of the fact I stressed the urgency of the matter. Today I phoned the manager of the main bank and was put through. He told me an intermediary paid the insurance. he would contact them and it will be paid tomorrow. I feel this bank is not worthy of doing business because this is the 3rd issue I have had with them where their practices are questionable ... legal?
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07103	Web
I not allowed to open any checking account at any other bank because they Report wrong information to XXXX I have be calling to fix this by phone but they hang up and don't return calls. They make a report to XXXX on XX/XX/XXXX of an closed account since XXXX after a month I ask for a Mortgage Modification with them. They asking me to open a Checking account and they know what they did on purpose. Please I need to open a Checking account to put my Earnings on it and be able to have access to Monthly Bank Statements and make a Financial Statement for First Bank Mortgage Modification. Please make them fix this. They have be Harassing me for years.
01/12/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00719	Web	Older American
My complaint is with First Bank in Puerto Rico. When I checked my statement I found the bank was charging me an ATM fee every time i used XXXX XXXX services. I purchased XXXX XXXX XXXX online and never used a bank ATM. This is the bank trying to profit from a transaction in which they are not the company or provide the service. I simply remove MY money from my account as if it were any online purchase. The bank down not do this, say, if I make an XXXX purchase. So why if I make a XXXX XXXX purchase? Still a purchase. This I consider fraud and illegal enrichment, if a Federal crime please prosecute to the fullest.
08/30/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33196	Web
This is a new complaint and is related to my complaint # XXXX. 1st Bank did in fact reverse the fee which is good but what they did in order to do that was completely delete a payment I had staged to go out on XX/XX/28 for XXXX 's mortgage payment. What they neglected to do is notify me immediately that this was done via email, text or phone call so that I can have the opportunity to setup another payment for XXXX. If I did not happen to login to their website and notice this, I could have missed XXXX 's payment which would have caused a late fee and a derogatory credit report statement.
06/05/2023	Yes	Checking or savings account Other banking product or service	Incorrect information on your report Account information incorrect	ME XXXXX	Web	Older American
CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX We are approaching the 60-day mark on this CFPB complaint. The original problem caused by FirstBank of Puerto Rico dates back to XX/XX/XXXX. Their original {$5000.00} mistake has now accumulated over {$500.00} of interest charges and fees, and, due to them continuing top report this matter to the credit agencies, it has knocked XXXX points off my credit score. They have ignored me for more than 6 months and are now ignoring a Federal Agency for 2 months. Time to turn up the heat. Bring charges against them and I'll hire a lawyer and sue.
01/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33319	Web
I am attaching additional evidence for Case number : XXXX and Case number : XXXX. I can only create a new complaint as there is a glitch in the system that does not allow me to log in or create or reset the password in order to update or review standing complaints. I am attaching evidence from XXXX XXXX to show that they return the LATE payment Firstbank tried to send for my Hazard Insurance. I had already paid XXXX directly because to me Firstbank had already began to steal money from the escrow account so that they can charge me forced place insurance and line their greedy pockets.
04/20/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	PR XXXXX	Web
On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.
01/31/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33319	Web
This is a current complain # Case number : XXXX. I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00926	Web
Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the SANTANDER account. I have indicated that the account that appears in delinquency that I have sent on several occasions is SANTANDER not Firstbank who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.
10/02/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PR 00693	Web
FirstBank has been insistently reporting a balance/past due amount and account description/status that are product of an illegal application of Rule 78 as a Method of Amortization, 15 U.S. Code 1615 ( b ), to the 66-month installments loan that I had with the banking institution. This situation has greatly affected the opportunity to obtain a car loan under favorable conditions. In other words, irreparable damages to my credit history continues. The Bank 's action, pursuant to section 15 U.S. Code 1611, carries a fine of {$5000.00}, 1-year prison or both.
03/21/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	FL 33138	Web	Servicemember
First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.
12/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21207	Web	Servicemember
Called this bank on XX/XX/2016 to confirm what my pay off amount was for my vehicle. They stated {$2700.00}. I asked if i could pay over the phone. They said no, you have to come in or mail a check. I mailed a check for {$2700.00} to include the extra day that it would take to arrive. I checked my loan information online, 5 days later and the balance is not only NOT paid in full but the balance shows now {$3700.00}. I need the title to my vehicle as well as a {$2900.00} refund from their insurance that I did not use. They are stealing my money.
06/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	PR 00767	Web	Servicemember
More than XXXX months ago, I requested the adjustment to my debts that I have with 1st Bank, in Puerto Rico. They said that the documents that I sent, which was XXXX documents, were under a supervisor and after they check the documents, they will adjust the interest rate. The adjustment that I am talking about is the Service Member Civil Relief Act ( SMCRA ). Im still waiting for that adjustment, and I also have all the information of the people that Ive been talking to know if my accounts are adjusted. I have XXXX accounts with them.
10/13/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	FL 33157	Web
First Bank Florida held a Cash Deposit until the next day causing a NSF Charge. I made a Cash Deposit of {$140.00} on XX/XX/XXXX. This brought my Balance to {$680.00}. Later that same day I made an Electronic payment in the amount of {$650.00}. First Bank Florida held the Cash deposit until the next day and processed the Payment before the CASH CREDIT. Despite they chronological order. First Bank Florida held the Cash Deposit until the next day causing am NSF Charge Product_Or_Service : UNCOLLECTED FEE CHARGE XXXX Account_Number : XXXX
02/08/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00718	Web
We got affected by hurricane Maria. I filed for FEMA and was denied assistance because my mortgage includes home insurance. I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.
02/25/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	PR XXXXX	Web
The bank dont want to close my account. I visit 5 times the branch to close the account. The bank dont want to close my account. I ordered them to close my account giving a letter to the advisor of the branch and dont make any action. I email close order and they dont take any action. The ignorance of the bank has caused charges on my accout due to the bank irresponsability. I have transactions on my account undefined. I want every transaction defined with a name of the merchant amount and check number as required by law.
05/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33157	Web
XXXX XXXX XXXX XXXX Misapplied my PRINCIPAL Payment to Interest. The Payment was labeled on the check and the Invoice as Principal, but it was applied to Interest. I contacted the bank, but they ask to leave a message ( 4 ) but no one ever returns my call. I filled a complaint with the XXXX XXXX CASE # : XXXX, but the complaint was ignored XX/XX/XXXX Reminder of Dispute to Business XX/XX/XXXX Consumer - Have You Heard From the Company XX/XX/XXXX No response to first notice to business XX/XX/XXXX Notify Business of Dispute
03/02/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web
The Case is in Court, I upload my latest motion submitted on XX/XX/XXXX so we all can be in the same page. case # XXXX, with this Motion, two evidence were deliver, showing I sent them the correct contact info, so there was no need for the eviction notice process to be used by them. I was deceive into Court by the Bank lawyers, third party using Eviction Notice, main issue is they had the Correct contact info since I constantly furnished it for loan modification, I have been in contact with them since XXXX.
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07024	Web	Servicemember
I have contacted the XXXX Bank XXXX XXXX XXXX XXXX XXXX because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance
05/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00659	Web
First Bank was informed of Bankruptcy filed in XXXX and car has been paid by bankruptcy and in appears as a charge off on all reports and will appear till XX/XX/XXXX. I called bank they said they would fix but never was fixed car was on a loan from XX/XX/XXXX for 72 months but they still put till XX/XX/XXXX that is was on a month to month which is almost 10 years this needs to be fixed it was reported before but still on my report all other loans have been cleared by other banks
10/01/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30012	Web
I summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.
04/23/2021	Yes	Checking or savings account	Credit monitoring or identity theft protection services Billing dispute for services	FL 34983	Web
XXXX XXXX paid off but bank still collecting on it. Payments sent via email and mail to bank to proof payments for every month and correction has yet to be done. Credit report is showing 2 late payments that were covered and paid off completely, reducing FICO by XXXX. This is the second time the bank makes this mistake but this time they wont fix it and return the extra money paid effecting my credit- it has been over 30 days since they first mark and dispute.
04/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33157	Web
First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company. Loan XXXX
03/12/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 009XX	Web
1. Bank refuses to provide access to account statements in violation of the Truth in Savings Act. Bank blocked online access and will not provide an accounting. 2. Bank refuses to process disputes regarding unauthorized transactions on account. Because the bank blocked access to statements, a timely dispute can not and could not be filed. 3. A deposit of {$40.00} was mailed to the bank. Bank rejected the deposit, but only sent {$34.00} back.
06/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34786	Web	Older American
Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.
03/15/2021	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00662	Web	Servicemember
For XX/XX/2019, I eliminated the direct payment and began to make the payments at the institution. They the Firstbank of Puerto Rico made the mistake of not recording the payments made using this method and this mistake is affecting my credit score. I have never failed to make a mortgage payment. The time it took them to fix the problem, they send to the credit companies as a delay of 30 days, when it did not happen this way.
04/12/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PR XXXXX	Web
In XX/XX/2020 I paid off, in full a car loan # XXXX. At the day of pay the bank tells me giving up my title in 30 days. I call a few times to resolve this matter, but I can't receive any documents, letter or a simply call from First Bank Puerto Rico. I don't pay any fees for unreceived documents. I wish a penalty for irresponsible handling of my documents, I'm paying for my loan and I need my title as soon as possible.
02/21/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 10033	Web
I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.
09/28/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	PR 00784	Web	Servicemember
has charged on ocations even if the funds are low they still process the transaction, i havespoken to the branch manager, who refused to provide proof of the transaction, when this happens charges on overdraft fees exceed XXXX dollars a month. If funds are not available bank should not process the transaction, First Bank in XXXX XXXX has had issues on overdrafting on purpose to collect excessive overdraft fees.
10/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 009XX	Web
Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.
09/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PR 00961	Web
My card has been blocked for 48 hours. I've called de bank more than 20 time. i got response 4 times but the 4 times the bank tell me that the issue will be resolved in 2 hous. its been days, the bank doest not want to resolve anything. FirstBank does not provide any other numbers or emails or contact information of someone who can assist me. this is very serious for me, the damage is big.
07/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
My Mortgage First Bank Florida increased my mortgage payments. due to an error in the tax collectors office. The error has since been corrrected and the bank is refusing to lower my payments. I have emailed XXXX XXXX for over a month and he refuses to respond to my email. Can CFPB please intervene and assist me with getting my mortgage payments reduced to the correct ammount.
04/09/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00725	Web	Older American
I accept an offer from XXXXirst Bank Puerto Rico to refinance a 1.7 % 15-year mortgage in XX/XX/2021. Now they want to raise the interest to 2.5 % claiming the Federal Reserve raised the interest which is not true. They offer Me another offer at 1.8 % interest but with higher closing costs. Is this misleading or illegal? Do I need a lawyer?
03/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00667	Web	Older American, Servicemember
MY HUSBAND AND I PAID THE AMOUNT OF {$38000.00} FOR OUR MORTGAGE PAY OFF WITH FIRST BANK OF PUERTO RICO ON XXXX XXXX. ACCORDING TO THE BYLAW THAT APPLY TO PUERTO RICAN BANKS, FIRST BANK IS SUPPOSED TO GIVE ME THE MORTGAGE NOTE SO I CAN CANCEL THE SAME. I HAVE CONTACT THIS BANK ON NUMEROUS OCCASIONS VIA EMAIL WITH NO RESULTS.
07/10/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PR 00915	Web	Servicemember
This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this.
12/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33157	Web
I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.
01/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR XXXXX	Web
I'm not receiving the escrow analysis. however, the only option provided by the bank is to register into an inaccesible page ( No posible way to register ... and the Customer Care officer recognize there is issues with the page ) I'll never receive my Escrow Statement if not login into the page .... My loan # XXXX
10/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76112	Web
This is a car loan with First Bank of Puerto Rico. On XX/XX/2012 I paid the entire debt. The bank gave me the title of ownership of the Vehicle. On XX/XX/2018 The bank updates the information in my credit report indicating that there is a balance of {$1700.00}. This incorrect information adversely affects my score.
08/21/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	PR 00659	Web	Older American
I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web	Servicemember
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.
10/24/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	PR 00623	Web
On XX/XX/2021, Somebody send me a message by XXXX, used the name of one of my friends, ask for money that I send it by mobile ATH. I send {$500.00}. Inmediatly I call XXXX and First Bank Puerto Rico to stop the transaction but at this time they don't notify what happen with my claim and my loss of money.
12/04/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR XXXXX	Web
This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too. Look at this. A twice charge of what? In the same day. Why this people is working ... if that's what can it be call. XXXX XXXX! AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY INFORMATION.
11/07/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00987	Web
I made XXXX scheduled ) a payment from my Firstbank checking account amounting {$27.00} for paying my XXXX credit card. Firstbank reversed the payment although there was enough balance on the checking account to proceed with payment. XXXX is now charging me {$25.00} as payment returned fee.
12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR XXXXX	Web	Servicemember
I disputed this with XXXX, with firstbank, thru emails and letters and with you ( CFPB ). See complaint XXXX. They answered and they fooled both of us. They have done nothing. Still reporting failed to pay, and that's very bad, even last month. This keeps my credit score very low.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web
See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. My response to Santander Response of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. Santander is simply abusing with their power and money.
06/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR XXXXX	Web
On XX/XX/2022, XXXX sent a letter notifying that the claim did not proceed because the transaction is correct when it is not. I do not authorize or acknowledge that transaction. They are currently charging {$4.00} daily because the account is overdrawn which is not correct.
01/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR XXXXX	Web
XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?
07/12/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00926	Web
Two unauthorized transactions : XX/XX/2021 - {$130.00} XX/XX/2021 - {$4.00} We request to the Bank an investigation due to this transaction were not realized by me through the XXXX with Logo of VISA. The Bank determined that this request does not proceed.
12/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR 00617	Web
Fristbank of Puerto Rico loan loss due to hurricane XXXX in XXXX.the debt collection is XXXX the car had a gap insurance that had to be paid .l am disputing it with the credit agencies. Puerto Rico was devastated by hurricane XXXX.
06/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 46205	Web
FIRSTBANK FLORIDA 4 6 POTENTIALLY NEGATIVE MONTHS Balance details Balance on XX/XX/XXXX Original loan amount {$19000.00} Account info Account number XXXX XXXXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan
09/17/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33319	Web
I have never been able to access the statements online. When I call they tell me that the case will be transferred to the tech team. Nothing every gets fixed. I called today XXXX and the rep hung up on me. This is unacceptable.
03/17/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PR 00983	Web
First bank of PR is requesting a additional payment due to back fee ( interest ) that are not correct after the last payment when I requested the title. I have all payment made even the ones that were made with late fee.
02/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file
08/09/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	PR 00624	Web
By the poor service received from this bank, today XX/XX/2021 I sended a order letter to close the account immediately, the bank dont want to close my account. Here I attach letter sended by email and fax to the bank.
09/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PR 00766	Web
I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.
10/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR XXXXX	Web
First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17602	Web
I have a police report XX/XX/XXXX, XXXX and XXXX is reporting a fraudulent account by XXXX XXXX XXXXXXXX XXXX XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my XXXX Fraud account
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44111	Web
This account is not mine and I have contacted first bank but they don't have any information in their systems. There are many violations according to FCRA. This account has been deleted from XXXX.
11/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Old information reappears or never goes away	PR 00623	Web	Servicemember
The account was paid and still bad information still appearing in the credit reports companys XXXX, XXXX and XXXX. Account was paid in a agreement with First Bank PR.
10/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PR 006XX	Web
Looking at the account name First Bank, I don't recognize this account as mine. Please corroborate and fix instantly FIRSTBANK PARTIAL NUMBER ACCOUNT XXXX
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 009XX	Web
An account with FristBank Puerto Rico appears duplicated one with a balance of {$3500.00} and another one with {$3800.00}.
08/29/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 007XX	Web
i deposit my money on friday and on saturday money desapire i ask the bank an they told me they dong know
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00926	Web
The report was requested on XX/XX/XXXX again and the delice still appears in XX/XX/XXXX.
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00926	Web
The report was requested on XX/XX/XXXX again and the delice still appears in XX/XX/XXXX.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR XXXXX	Web
XXXX XXXX reports to XXXX and other companies wrong payment history report.
02/25/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00624	Web
On my account there is a incorrect calculation based on the charges.
09/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR XXXXX	Web
Charge for check account, dormant charge {$10.00}, XX/XX/2021
01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33126	Web
I do not own any cars, I have never financed a car in my life
01/23/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00961	Web	Servicemember

01/21/2024	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	PR 00791	Web

01/20/2024	Yes	Mortgage VA mortgage	Trouble during payment process Escrow, taxes, or insurance	PR 00678	Web	Servicemember

01/19/2024	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	VI XXXXX	Web	Servicemember

01/17/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	VI 00830	Web	Older American

01/10/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	PR 00961	Referral

12/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Private mortgage insurance (PMI)	NC 28215	Web

12/28/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00646	Web	Older American, Servicemember

12/11/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	PR 00970	Phone

11/24/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00961	Referral

10/26/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	PR 00915	Web

10/26/2023	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	PR 00915	Referral

09/22/2023	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	PR 00767	Phone	Servicemember

09/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	PR 00983	Phone	Older American

09/05/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00926	Phone

08/15/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00926	Phone	Older American

08/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98626	Phone

07/25/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00950	Referral

07/20/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00725	Referral

07/07/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00979	Phone	Older American

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00725	Phone

06/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00926	Referral

06/08/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	PR 00958	Web

05/01/2023	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00725	Phone

04/26/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 34473	Referral

04/26/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00985	Referral

04/11/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00953	Referral

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00718	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00718	Web

03/24/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00623	Web

03/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33309	Referral

03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00924	Web

03/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR XXXXX	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PR 00718	Web

03/07/2023	Yes	Checking or savings account Savings account	Managing an account Problem making or receiving payments	PR 00915	Phone

02/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00928	Phone	Older American

02/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR 00987	Web

02/09/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	PR 00623	Web

02/08/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 00971	Phone

02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PR 00646	Web

02/03/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	PR 00949	Phone

12/23/2022	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00725	Phone

12/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00926	Phone

12/05/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00692	Phone	Older American

11/25/2022	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00725	Phone

11/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00924	Web	Older American

11/03/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 078XX	Web	Older American, Servicemember

11/01/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00969	Web

10/31/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00690	Phone

10/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00784	Phone

10/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00719	Phone	Older American

10/13/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	PR 00936	Phone

10/01/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00909	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00969	Web

09/19/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00738	Phone

09/13/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00987	Web	Servicemember

09/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00961	Referral

09/06/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	FL 33313	Web

08/25/2022	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PR 00923	Postal mail	Older American, Servicemember

08/22/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00601	Phone

08/16/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	PR 00704	Phone	Older American

08/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00725	Referral

08/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00690	Phone

08/01/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00736	Referral

07/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00719	Referral

07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00678	Web	Older American

06/24/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PR 00959	Phone

05/17/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	PR 00703	Phone

05/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00725	Phone	Older American

04/25/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	PR 00949	Web

04/14/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00987	Phone

04/14/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report	PR 00777	Phone

03/29/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web

03/28/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00725	Phone	Older American

02/18/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00920	Referral

02/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00622	Web

02/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NJ 07304	Referral

02/10/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	VI 00850	Referral

02/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PR 00766	Referral

01/31/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00917	Referral

01/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33141	Referral

01/26/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Web

01/12/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web

01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33009	Web

01/03/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	PR 00735	Referral

12/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00969	Referral

12/08/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00976	Web

12/01/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00745	Web

11/29/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 22302	Referral

11/15/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	VI 00850	Web	Older American

11/02/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00791	Web

10/06/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 009XX	Web

10/06/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 00901	Referral	Older American

09/25/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00718	Web	Servicemember

09/21/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78640	Referral

09/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29708	Web

09/08/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NH 03825	Phone

08/18/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 00662	Referral

08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 009XX	Web	Older American

08/10/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PR 00736	Web

08/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Billing dispute for services	PR 00959	Web

08/03/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00725	Web

07/30/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VI 00831	Referral

07/28/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VI 00802	Web

07/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00795	Web

07/19/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	VA 22206	Referral

07/14/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00745	Referral

06/30/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	SC 29445	Web	Servicemember

06/21/2021	Yes	Checking or savings account	Incorrect information on your report Information belongs to someone else	FL 33805	Phone	Older American

06/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00727	Web

06/05/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00953	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web

05/18/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00962	Referral

05/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00929	Web	Older American, Servicemember

04/23/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PR 00926	Web

04/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 009XX	Web

04/08/2021	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	PR 00977	Phone

03/26/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00754	Web

03/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00622	Web

03/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VI 00803	Web

03/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00719	Phone	Older American

03/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MA 02341	Referral

03/10/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00907	Web

02/22/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00719	Phone	Older American

02/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PR 00984	Web

02/02/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00936	Web

01/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Postal mail

01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web

12/23/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR XXXXX	Web

12/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 009XX	Web	Older American

12/18/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07103	Web

12/17/2020	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NJ 08029	Phone	Older American

12/10/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	PR 009XX	Web

12/07/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 32825	Phone

12/02/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07103	Web

11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33844	Web	Older American

11/20/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 14830	Referral

11/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect		Phone	Servicemember

10/08/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33177	Web

10/01/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00676	Web	Older American

09/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Servicemember

09/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Billing dispute for services	PR 00921	Web	Older American

09/15/2020	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	FL 32824	Referral

08/31/2020	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account status incorrect	NJ 07306	Referral

08/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34786	Web	Older American

07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PR 00969	Referral

07/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33178	Referral

07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	PR 00740	Web

07/10/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR 00602	Web

05/21/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00646	Web	Servicemember

04/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00915	Phone

03/16/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	NJ 07470	Phone	Older American

02/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PR 00705	Phone	Older American

02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00987	Web

02/12/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PR 00987	Web	Servicemember

02/10/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VI 00803	Phone

02/04/2020	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account		Phone	Older American

01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR 00674	Web

01/05/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Web

12/27/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00617	Phone

11/08/2019	No	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00646	Web

11/01/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VI 00801	Referral

10/23/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Web

10/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Postal mail

09/23/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00714	Referral

09/20/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Referral

09/01/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	PR 009XX	Web

08/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Phone

08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00680	Web

08/22/2019	Yes	Checking or savings account Savings account	Managing an account Banking errors	VA 20169	Referral

08/22/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR XXXXX	Web

08/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Referral

08/06/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	PR 00959	Referral

08/05/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00969	Phone	Older American

08/02/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33431	Phone

07/31/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00957	Web

07/25/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33133	Web

07/13/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	PR 00778	Web

07/09/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	PR 00728	Phone

06/24/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Fax

06/24/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PR 00736	Postal mail

06/12/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	PR 00976	Web

06/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00976	Web

06/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00773	Web

05/28/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	TX XXXXX	Web

05/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33175	Web

05/16/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL 33319	Referral

05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00778	Web

05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00962	Web

04/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement		Fax

04/15/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	PR 00795	Phone	Older American

04/09/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web

03/31/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PR 00934	Web

03/29/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00959	Postal mail

03/27/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	NJ 07410	Referral

03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PR 00680	Web

03/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR XXXXX	Web

03/04/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00725	Referral

01/24/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan		Referral

01/22/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PR 00739	Postal mail

01/22/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00646	Phone

01/18/2019	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	PR 00929	Phone

01/06/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33157	Web

01/02/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	GA 31904	Web

12/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00921	Web

12/07/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00911	Phone

12/07/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage		Referral

12/03/2018	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	PR 00907	Web

11/19/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Web

11/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

10/17/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 00960	Referral

10/17/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30349	Referral

10/15/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 76209	Referral

09/25/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30809	Referral

09/12/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Web

09/11/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00968	Web

09/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web	Older American

08/23/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	PR 00987	Referral

08/15/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 34759	Referral

07/21/2018	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 Was not notified of investigation status or results	PR 00953	Web

07/17/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	WA 98040	Web

07/09/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	GA 30062	Referral

07/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR XXXXX	Web

06/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00736	Postal mail

06/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00725	Web	Older American

06/11/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VI 00820	Referral

05/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00725	Web	Older American

05/23/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	PR 00617	Web

05/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR 00987	Phone

05/17/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 34711	Web

05/17/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	FL 32547	Referral

05/03/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00966	Web

04/25/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00957	Postal mail

04/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00612	Web

04/02/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 00726	Referral

04/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33137	Referral

03/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR 00726	Referral

03/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94555	Fax

03/22/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	PR 00778	Phone

03/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00968	Web

03/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Web

03/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00725	Phone

03/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00612	Referral

01/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	VI 00831	Referral

01/19/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00680	Referral

01/12/2018	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		Phone

01/04/2018	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	PR 00953	Web

12/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00727	Web

12/19/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PR 00780	Phone

12/15/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PR 00969	Web

12/04/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00923	Postal mail

12/04/2017	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	PR 00736	Postal mail

11/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07740	Web

11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00727	Web

11/14/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	PR 00966	Referral

09/22/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 80916	Referral

09/22/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AE 09142	Referral

09/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PR 00725	Referral

09/11/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 94587	Referral

08/30/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00726	Referral

06/07/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33437	Referral

06/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PR 00614	Web	Servicemember

05/23/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00917	Referral

05/07/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00984	Web

04/20/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00802	Referral

03/29/2017	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00979	Phone	Older American

03/28/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00949	Referral

03/16/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OH 44505	Fax

03/09/2017	Yes	Bank account or service Checking account	Deposits and withdrawals		Postal mail

03/06/2017	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	PR 00737	Referral

03/06/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00725	Phone

02/08/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00979	Web

01/30/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00771	Referral

01/23/2017	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 33143	Phone	Older American

01/04/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00729	Referral

01/04/2017	Yes	Other financial service Money order	Customer service/Customer relations	NY 10036	Referral

01/03/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 13602	Fax

12/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00925	Fax

12/15/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00962	Web

12/01/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

11/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VI 00803	Postal mail	Older American

11/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00765	Referral

10/20/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00966	Web

09/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00959	Referral

09/21/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	NY 14830	Web	Older American

09/20/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32807	Referral	Older American

09/20/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33174	Referral	Servicemember

09/13/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PR 00693	Web

09/12/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PR 00693	Web

09/01/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00927	Postal mail

08/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00778	Referral

08/18/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	PR XXXXX	Web

08/12/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32836	Postal mail

08/11/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00687	Referral

07/23/2016	Yes	Credit card	Billing disputes	PR 00716	Web

07/22/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	PR 00728	Phone

07/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00907	Referral

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

07/06/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PR 00614	Web

06/16/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32836	Referral

05/26/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement		Referral

05/09/2016	Yes	Credit card	Closing/Cancelling account	PR 00785	Phone

05/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PR 00614	Web

04/30/2016	Yes	Credit card	Other	PR 00927	Web

04/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00726	Postal mail

04/15/2016	Yes	Credit card	Application processing delay	PR 00987	Web

04/13/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Postal mail

03/22/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	PR XXXXX	Web

03/16/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00987	Web

03/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00927	Postal mail

03/15/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	PR 00926	Web

03/01/2016	Yes	Credit card	Closing/Cancelling account	PR 00988	Web	Older American

02/27/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33319	Web

02/25/2016	Yes	Credit reporting	Incorrect information on credit report Public record	PR 00732	Web

02/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80535	Referral

02/09/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06437	Web

02/06/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00782	Web

02/05/2016	No	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 00624	Referral

01/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00969	Referral

01/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral

01/15/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00682	Web

01/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VI 00803	Web

12/31/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00902	Referral	Older American

12/23/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	GA 30043	Phone

12/21/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00725	Referral

12/16/2015	Yes	Bank account or service Checking account	Account opening, closing, or management		Postal mail

12/08/2015	Yes	Credit card	Unsolicited issuance of credit card	PR 00617	Web

12/07/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00687	Web

12/07/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00976	Referral

11/18/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00953	Phone

11/17/2015	Yes	Credit card	Payoff process	PR 00910	Phone

11/10/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00961	Postal mail

11/09/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 00721	Phone

11/05/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	FL 32825	Referral

11/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33319	Web

11/04/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34478	Web

10/14/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PR 00902	Referral

10/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78258	Web	Servicemember

09/30/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00959	Referral

09/26/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00782	Web

09/25/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00926	Phone

09/09/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00957	Referral

09/03/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00927	Referral

09/02/2015	Yes	Credit card	Billing disputes	WI 54952	Web

08/27/2015	No	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00911	Referral

08/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00985	Referral

08/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VI 00803	Web

08/13/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00984	Postal mail

08/05/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00725	Postal mail

08/03/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00802	Referral

07/21/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00961	Postal mail

07/02/2015	No	Credit card	Forbearance / Workout plans	PR 00961	Referral

07/01/2015	No	Credit card	Forbearance / Workout plans	PR 00961	Referral

06/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00983	Web

06/19/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00623	Phone	Older American

06/15/2015	No	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 33062	Referral

06/14/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00782	Web

06/02/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00969	Fax

05/31/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	PR 00912	Web

05/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33152	Referral

05/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00901	Referral

05/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Postal mail

05/12/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00936	Phone

04/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	PR 00674	Web

04/24/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00969	Referral

04/06/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00969	Phone	Older American

03/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33437	Referral

03/24/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00738	Referral

03/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral

03/06/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00674	Referral

03/05/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30228	Postal mail

02/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33170	Referral

02/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00966	Web

02/23/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00957	Referral

02/23/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	VI 00831	Referral

02/23/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00677	Phone

02/12/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00782	Web

02/12/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00985	Web

02/05/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PR 00719	Web

02/05/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	PR 00985	Referral

01/26/2015	Yes	Credit card	Customer service / Customer relations	GA 30237	Referral

01/14/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00801	Referral

12/24/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00909	Referral

12/23/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00745	Referral

12/08/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00987	Web

12/01/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VI 00803	Web

10/31/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00754	Phone

10/24/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	VA 20105	Web	Servicemember

10/21/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	GA 30237	Referral

10/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00927	Web

10/07/2014	Yes	Credit card	Delinquent account	FL 32793	Web

09/30/2014	Yes	Credit card	Balance transfer	CA 92223	Web

09/30/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00638	Web

09/22/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00780	Fax

09/18/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00907	Web	Older American

09/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00960	Web

08/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00901	Web

08/23/2014	Yes	Credit card	Other	PR 00908	Web

08/11/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00979	Web

07/18/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00612	Phone	Older American

06/04/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00909	Postal mail

05/31/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33328	Web

05/27/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00646	Phone	Older American

05/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00926	Web

05/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00976	Web	Older American

04/24/2014	Yes	Credit card	Customer service / Customer relations	TX 77433	Web

04/11/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	GA 30474	Web

03/31/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00959	Web

02/05/2014	No	Mortgage Other mortgage	Application, originator, mortgage broker	FL 33027	Web

01/21/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 95136	Phone

01/18/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00840	Web	Older American

01/16/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00745	Web	Servicemember

12/27/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PR 00926	Web

12/10/2013	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34759	Web

12/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00693	Postal mail

11/09/2013	Yes	Credit card	Other	FL 34747	Web	Older American

10/29/2013	Yes	Mortgage Other mortgage	Settlement process and costs	PR 00729	Web

10/15/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	PR 00987	Postal mail

09/06/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	MA 02045	Web

09/05/2013	Yes	Credit card	Other fee	PR 00956	Fax

07/15/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00729	Referral

06/26/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00924	Phone

06/21/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00685	Referral

05/03/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	FL 32738	Postal mail

04/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00646	Referral

04/23/2013	Yes	Credit card	Other fee	FL 33442	Referral

04/01/2013	Yes	Credit card	Overlimit fee	FL 33442	Phone

02/27/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00979	Referral

02/06/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00926	Phone

01/10/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 33409	Referral

09/16/2012	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00745	Web	Servicemember

08/27/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00727	Phone	Older American

08/09/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VI 00802	Referral

08/02/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00985	Phone

07/16/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00692	Web

06/26/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95815	Referral

06/18/2012	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	PR 00613	Referral

06/06/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	SC 29413	Phone	Older American

05/15/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00969	Phone

04/11/2012	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00729	Referral	Older American

04/02/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00698	Referral

02/24/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00926	Web

02/01/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VI 00802	Web

01/05/2012	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33184	Web