LCS FINANCIAL SERVICES CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/27/2015	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 92394	Web
My complaint is regarding failure to prove the validity and proper assignment proof of ownership and or custodial servicing rights of my mortgage debt. The loan in question derived from the purchase of my current residence which was completed on XXXX XXXX, XXXX, as an XXXX subprime mortgage loan. This particular portion of my loan is the XXXX mortgage and it has been transferred from XXXX, at XXXX XXXX, XXXX, CA. XXXX and at some point in XXXX XXXX, to XXXX XXXX XXXX ( XXXX ) at XXXX, TX. XXXX, after closing. This debt was discharged in my Chapter XXXX bankruptcy filed in XXXX. In XXXX of XXXX, I attempted to locate my XXXX mortgage lien holder in order to determine if the debt had been liquidated or " Stripped Away '' within my bankruptcy by contacting the XXXX XXXX property records department. After careful review of the lien holders on title for my property it was established that the last recorded lien holder was XXXX. After extensive additional research, it was discovered that XXXX XXXX XXXX ( XXXX ), acquisitioned XXXX in XXXX, during my execution of Chapter XXXX bankruptcy. XXXX, was contacted immediately in XXXX XXXX and XXXX to no avail, and we were not given any information in regards to ownership nor servicing information of any kind after multiple attempts. We also reached out to the holder of the Deed of Trust XXXX and there records indicated as well that XXXX and or XXXX should have the records for the loan. After multiple attempts at locating my second mortgage debt within XXXX extremely convoluted infrastructure and multiple consumer complaints filed on XXXX XXXX, XXXX, which resulted in XXXX claiming to have no knowledge of the debt.Finally there was a letter received from XXXX, which is the holder of the Deed of Trust account advising for us to contact XXXX, and speak with XXXX XXXX XXXX. See Exhibit " A '' Letter from XXXX dated XXXX XXXX, XXXX, identifying XXXX as the new servicer.We immediately contacted the Director of XXXX Ombudsman 's Office named XXXX XXXX at : XXXXXXXXXXXX, via email and phone from XXXX XXXX, through XXXX XXXX, XXXX. He finally responded via email on XXXX XXXX, XXXX, stating that he was unable to locate the loan in question and we never heard from him again. I had no choice but to eventually file additional complaints with banking regulatory agencies in order to force a logical response on XXXX XXXX, XXXX. See Exhibit " B '' Response email from XXXX XXXX XXXX from XXXX. XXXX, responded to the XXXX set of complaints, which slammed XXXX XXXX regarding his refusal to respond to any more requests to the whereabouts and location of our XXXX mortgage. This notice dated XXXX XXXX, XXXX came from and was addressed by a XXXX XXXX XXXX of the XXXX Ombudsman 's Office. *See Exhibit " C '' Letter from XXXX, naming Mountain XXXX XXXX XXXX XXXX holder of my XXXX Mortgage. The response provided by XXXX, was an alleged outdated letter from XXXX, XXXX XXXX, XXXX stating that my loan was transferred to a XXXX XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, owned by Attorney XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX. XXXX XXXX was then contacted on XXXX XXXX, XXXX and he was quite flustered when questioned about the information and paper trail that led to his company XXXX. He attempted to explain how his former company had possibly been assigned the loan, however the company XXXX had been defunct years ago and that he needed to research the matter. On XXXX XXXX, XXXX, XXXX XXXX then passed us on to an attorney by the name of XXXX XXXX at XXXX, from XXXX.at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. XXXX
04/24/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NY 147XX	Web
I am the co-signer of some private student loans that my daughter had defaulted on back in XXXX. In XXXX I was notified by a collection agency that they would start proceedings to take my house if I did not start paying on the loans. My daughter was in the process of legal proceedings at the time which were going to result in state prison time so I set up a repayment plan with the collection company immediately. Since XXXX of XXXX either myself and then later my daughter have consistently made monthly payments to this collection agency for the amount agreed upon. At the time the collection agency took over the loan we owed them approximately {$24000.00}. Over the last 11 1/2 years we have paid them approximately {$35000.00}. The collection agency states we still owe them approximately {$13000.00}. We have never received documentation from the collection agency what the monthly interest rate and collection fees would be. This past XXXX they sent correspondence for two of the six accounts on what amount has gone onto principle towards the balance for those two accounts. We have received nothing about the other four accounts. For the two accounts they did send documentation for the following amounts were given -- opening balance on account XXXX, current balance on account XXXX and amount paid since XXXX on account XXXX. The other account had an opening balance of XXXX, current balance due of XXXX and amount paid since XXXX XXXX. If the other four accounts have similar scenarios how are we to ever get these accounts paid? At what point does it become extortion for these collection agencies to continue to pile on such exorbitant fees and interest year after year. When we make contact with the collection company they tell use we can send them a " pay off amount '' that is a huge lump sum, but without that there is nothing else they can do for us. By not providing us with the proper documentation of what their interest rate and collection fees would be are they in violation of our rights? Why have they not provided us with regular documentation of the accounts and why did they send us only information on two of the six accounts? Why is there not some type of amortization table provided by them since the beginning when we set up payments so we would know when the debt would be completely paid?
04/01/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 92507	Web
This is about an old forgiven and settled mortgages originated in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX In XXXX Owned originated a 1st loan at 80 % and a 2nd loan at 10 %, we put 10 % on this purchase loan. XXXX was the first lender seeking federal protection at the very beginning of the market crash. All its assets were purchased by XXXX who in turn later, after going bankrupt, sold them to XXXX XXXX XXXX. All three companies got bailed out by the government and got billions of dollars in tax breaks. In XXXX XXXX XXXX XXXX, the owner of both loans, in accordance to the " National Settlement Act of the Obama administration '' worked out a Loan Modification on the 1st loan and eliminated/got credit by Federal program the 2nd lien in XXXX with us. We were told then by XXXX XXXX XXXX representative that the 2nd lien was " taken cared of ''. Everything was fine until around XXXX when a company by the name of Reliance reached out " claiming ownership of the 2nd lien ''. After presenting evidence of above arrangements with original owner of both liens, XXXX XXXX XXXX, Reliance proposed a {$3000.00} " settlement '' because a lawsuit may be " costly ''. After their " threatening '' position, we send them the documents requested by them but never heard back from them. Now, seven years later, a new company by the name of LCS Financial Services Corp, reached out my Bankruptcy attorney claiming ownership of same 2nd lien. I responded with above facts and evidence and requested a QUALIFIED WRITTEN REQUEST on XX/XX/XXXX. I called them today XX/XX/XXXX and left a message. My concern is that these collection companies technique is to delay the process because sooner or later they will collect with their bogus techniques, just like Reliance they have not even acknowledged my correspondence. The person I email this request at LCS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office : XXXX Direct : XXXX Fax : XXXX Email : XXXX Email : XXXX I would like your assistance to make sure they stop their collection efforts unless they bring the evidence of their claims in a timely manner according to Federal guidelines. Please call me at ( XXXX ) XXXX for further information. XXXX XXXX XXXX
02/21/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	OR 97219	Web
During the months of XXXX XXXX. We received a letter from LCS Financial sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced LCS Financial was collecting the debt for XXXX XXXXe company who was listed as the servicer for the loan. Since LCS couldn't provide any documentation that actually provided that XXXX XXXX was the actual servicer of the second mortgage loan, I ask for additional information from LCS. On XX/XX/XXXX I received an email from LCS and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from LCS. I kept requesting and no information was provided by LCS. On XX/XX/XXXX, I received a demand letter from LCS and they continued to reference XXXX XXXX as the client they are collecting the debt. see attached letter. So on XX/XX/XXXX, I send a QWR to XXXX XXXX which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by XXXX XXXX.USPS certified letter was delivered. On XX/XX/XXXX I received an email from XXXX XXXX XXXX asking me and LCS Financial, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. This last request was very upsetting since if in fact, XXXX XXXX was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.
02/19/2019	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44256	Web
My name is XXXX XXXX XXXX. InXX/XX/2007 I became late on a second mortgage that was through XXXX XXXX XXXX. The debt was subsequently sold a number of times including to XXXX and now LCS. The debt was satisfied as part of a Home Affordable Refinance by the government prior to ever hearing of LCS and the debt is no longer owed and should never have been sold. LCS continues to call me although I have requested that they stop. They continue to ask me to call XXXX or XXXX. I have called and requested that they stop contacting me about this debt, which is no longer valid. I called today and the person on the phone hung up the phone on me. To top this off this company has TWICE pulled my credit report with a hard inquiry when they have not been given permission to do such. They pulled my report in XXXX and again today on XX/XX/XXXX. At no time have I given permission to do this, and I DO NOT have a business relationship with this company. Perhaps there is confusion bc my mortgage was with XXXX, who is out of business. XXXX XXXX XXXX is also out of business. I have no legal relationship with this company, do not owe the debt in question, and want them to cease contact of me in any way, as well as to immediately stop unauthorized pulls of my credit report. I do not have an account number for them but my social is XXXX. LCS ' address is listed as : XXXX XXXX XXXX # XXXX XXXX CO XXXX It has been a decade since this account became late and it is not even lawful to have them continuing to harass me via phone.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 928XX	Web
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. Upon contacting the three major credit reporting agencies, I discovered that XXXX of the XXXX credit XXXX agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
06/21/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	SC 29707	Web
This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.
11/01/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CO 80123	Web
I received a letter dated XX/XX/XXXX, indicating my information was part of a data breach from LCS Financial ( principal ). The letter came from a company called XXXX ( 3rd party, attached ), but the information was held by LCS Financial. I made multiple inquiries. During which the 3rd party eventually shared LCS was a debt collection agency who had my information for a XXXX or XXXX XXXX loan. I DO NOT HAVE either. I am current on all my obligations and have been since my XXXX XXXX XXXX XXXX. That XXXX was the result of taking care of a parent that initially needed 3-6 months of care and wound up needing 3 1/2 years of care. None of those loans were XXXX or XXXX XXXX. More importantly, they were XXXX in XX/XX/XXXX. Therefore no debt collection records should exist. And no collection agency should have possession of my information, specifically LCS Financial. It appears LCS Financial illegally obtained or retained my information that was then subjected to this breach.
06/10/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 339XX	Web
My account was garnished for XXXX dollars. This account is my bills payment account with XXXX XXXX. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX XXXX in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by XXXX XXXX XXXX XXXX for LCS Financial Services court case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XX/XX/2023. I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.
01/10/2023	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	TX 77493	Web
XX/XX/XXXX I had answer to a phone call with XXXX XXXX telling me I will have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf I havent pay my debt that I am a XXXX % sure I do not owe because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I started to make payments with LCS Financial services Coroporation because I was unaware being young of the age XXXX that I didnt want to do XXXX XXXX so I started the payments and also was questioning if I am going make these payments then I want to at least have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said they couldnt help me with that but to try contacting to see if you can find your car and when I was contacting to see where my car at, I talk with someone that knew there rights about the situation that was going on and told me to report this matter to credit bureaus because my car is already charge off and I should not owe no money to no debt collection
05/05/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NV 89134	Web
I reached out to tXXXX XXXX XXXX to submit a request for debt validation because, I never got any letter. They claim over and over that I got it, or they sent stuff. Regardless they responded as seen below on XX/XX/2022 that they will send the letter. " XX/XX/2022... we are treating this complaint as a request for validation and will send documentation to her '' On XX/XX/2022 just a few days later they called about the debt again ( home/cell ) first they asked me to ensure I answer calls when they call ( i work, i cant answer evry single time they call, but i ALWAYS call back when i can ) second they said they had no idea they were asked to send validation and will send it now. To my understanding, they arent supposed to contact me to collect a debt until i have validation, i asked for it, and they continued to contact.
03/15/2021	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77066	Web
Hello, today XX/XX/2021 I found out that LCS Capital, one of my debt collectors, has been contacting my supervisor at my job on a regular basis. I found LCS 's phone number ( the same on they call me with everyday ) inside of my coworker 's phone. I asked my coworker about it and she denied everything about it even though we have the same number in both of our phones ( I have proof ) Now it would be important to note that my Supervisor doesn't have any private debt because she didn't go to college. It is also clear in the debt practices that a debt collector is not supposed to be contacting the people around me. .I want them to be penalized for this and I want them to stay out of my professional and personal life because it seems like they have no problem stepping over the line.
02/24/2021	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	MS 388XX	Web
I received a alert that my credit was pulled for a installment loan. I havent applied for a loan so I called them. I provided my info and she stated it was in regards to a home my ex husband and I purchased in XXXX. I have been divorced from him since XXXX and I also filed bankruptcy which was discharged in XXXX that includes the house. I advised that I didnt authorize them to check my credit and I had never even heard of the company before. She stated something about them trying to collect a debt. I asked for it to be removed from my report because I didnt tell them they could run my credit for a home I havent had since XXXX and again was discharged on my bankruptcy. I was placed on hold then hung up on.
07/07/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KY 409XX	Web	Servicemember
I mailed a certified letter to the company to cease and desist any and all communication due to my not owing any debt currently and no idea what this is or why they are contacting me. According to the post office the certified letter would be received by the company on XX/XX/XXXX In addition, I mailed a copy via regular mail with normal postage. Since XX/XX/ I have received calls from phone number XXXX ( which reports show belongs to this company ) on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/19/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 761XX	Web
I told the guy that keeps calling XXXX XXXX, that I had XXXX XXXX and have no record of this debt. He calls 4-5 times a day. I called and told him that he was not to call me because it was causing emotional stress after a major XXXX and that he could only contact me through written correspondence. He said he understood and we hung up. He literally called me right back as if we did not just speak. He is harassing me over a debt I have no proof of owing.
11/11/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web	Older American
On XX/XX/2020 XXXX XXXX XXXX sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. Today XX/XX/2020 I received a letter from LCS financial services corporation attempts to collect the debt for XXXX XXXX XXXX, that debt not belong to me.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 92021	Web	Servicemember
I was out of the country for XXXX years prior to that I was also XXXX overseas XXXX / XXXX. upon my return I found my identity was stolen. I hope I can get my life back as soon as possible please Sincerely XXXX XXXX XXXX XXXX
06/05/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 34689	Web	Servicemember
After my wife 's bankruptcy, XXXX XXXX converted this to a consumer loan and then transferred it to LCS Financi al. Under Florida bankruptcy law, the lien should have been removed.
04/26/2021	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	WI 53916	Web
My credit score went down by 50 points on XX/XX/XXXX because of credit inquiry from some LCS FINANCIAL service. Never talked to heard of or dealt with anything with this company.
11/16/2022	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	CA 92563	Web
LCS FINANCIAL SERVICES C Address XXXX XXXX XXXX XXXX XXXX, CO XXXX The company above ran a hard credit inquiry without consent.
09/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web	Older American, Servicemember

08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

03/16/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37072	Web

02/21/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77489	Web

01/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94118	Web

05/21/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 46545	Web

08/30/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	GA XXXXX	Web

06/02/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28538	Web

02/25/2021	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	IL 60044	Web	Servicemember

10/30/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33578	Web

04/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

10/23/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92551	Phone

04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20032	Web

03/27/2019	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	ID 83814	Web

05/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91335	Web

01/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 02050	Web

04/10/2017	Yes	Mortgage Other mortgage	Other	WA 98223	Postal mail

07/29/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	FL 32311	Web

07/03/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	AZ 85308	Web

06/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33173	Referral

05/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NM 87701	Web	Older American

03/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60629	Referral

09/04/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NY 13203	Phone	Servicemember

03/17/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CO 80227	Referral

01/07/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85258	Web	Older American

10/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48433	Web

07/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35120	Web

05/15/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	GA 30076	Web

04/24/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	IL 60804	Web

03/17/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 20176	Web	Servicemember

02/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91016	Postal mail

12/04/2013	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	FL 32218	Phone

08/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89074	Referral

08/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92591	Web

07/24/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92374	Referral

07/16/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NJ 08527	Web