| 10/24/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX PM To : 'XXXX , XXXX ( CFPB ) ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX Cc : 'XXXX, XXXX ' XXXX XXXX, XXXX ' ; XXXX, XXXX ' XXXX XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX XXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX XXXX XXXX ' ; XXXXXXXXXXXX XXXX XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX Subject : RE : XXXX XXXX Loan # XXXX XXXX XXXX XXXX and XXXX XXXX per XXXX XXXX XXXX XXXX, XXXX Loan Transaction History XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX Facsimile : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX ( Office of XXXX XXXX Assistant Vice President XXXX XXXX ) -- response from XXXX XXXX Attorney XXXX XXXX XXXX below on XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau complaint numbers XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has just committed XXXX XXXX of {$36000.00} on XXXX XXXX XXXX from XXXX XXXX Attorneys changing XXXX XXXX XXXX documents known to the Consumer Financial Protection Bureau complaint numbers : # XXXX. I am asking the CFPB to make sure XXXX XXXX Provides the XXXX XXXX XXXX XXXX XXXX and does what has been asked of XXXX XXXX in the XXXX XXXX XXXX email below 1 to 4 or see that XXXX XXXX is fully punished for XXXX XXXX XXXX XXXX XXXX XXXX XXXX fully known to the CFPB.
The XXXX XXXX XXXX XXXX has responded to a XXXX XXXX XXXX FOIA request on XXXX XXXX, XXXX showing XXXX XXXX Two Sets of Books and that XXXX XXXX ended the XXXX XXXX XXXX XXXX in XXXX as seen in XXXX XXXX XXXX IRS XXXX to the IRS unchanged!
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX is seen in XXXX XXXX XXXX XXXX XXXX claimed Loan Transaction History attached!
XXXX ) XXXX XXXX ended XXXX Loan # XXXX with the XXXX in XXXX as seen in XXXX XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX XXXX! XXXX XXXX XXXX XXXX is seen in the XXXX required XXXX Form XXXX dated XXXX XXXX XXXX again provided by the XXXX with XXXX XXXX trying to sell this loan back to the XXXX from XXXX XXXX XXXX Form XXXX XXXX XXXX XXXX Loan Transaction History attached showing XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Loan Transaction History changing what XXXX XXXX had reported to the XXXX, XXXX XXXX XXXX and the IRS. This XXXX XXXX and IRS XXXX is backed up in the XXXX XXXX, XXXX letter from XXXX XXXX to the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Program Manager, followed by a XXXX XXXX XXXX XXXX Form XXXX showing XXXX XXXX XXXX XXXX XXXX Loan Transaction History to be XXXX XXXX and IRS Fraud!
3 ) XXXX XXXX now claims to having two sets of books. Once created by XXXX XXXX and ones created by XXXX XXXX Attorneys as seen in XXXX XXXX XXXX XXXX XXXX email, fully known to the CFPB.
4 ) XXXX XXXX violated XXXX Loan Rules as seen in the U.S. Small Business Administrations XXXX XXXX, XXXX letter.
5 ) The XXXX caught XXXX XXXX initial XXXX XXXX in not applying payments from the XXXX Forbearance Agreement in the U.S. Small Business Administrations XXXX XXXX, XXXX letter, that XXXX XXXX now claims to have changed this Loan accounting in XXXX XXXX XXXX XXXX XXXX Loan Transaction History. The XXXX has provided no record of XXXX XXXX XXXX XXXX XXXX Loan Transaction History accounting that XXXX XXXX claims was done prior as seen in XXXX XXXX XXXX XXXX XXXX Email stating : We have previously provided you with the amortization schedule for your loan that was generated after the rescission of the Forbearance Agreement. XXXX XXXX has failed to provide to the XXXX a revised transcript of account as requested by the XXXX on XXXX XXXX, XXXX.
6 ) The U.S. Small Business Administration FOIA Response on XXXX XXXX XXXX provided a XXXX questions of the XXXX that XXXX XXXX now changes in XXXX XXXX XXXX XXXX XXXX Loan Transaction History.
7 ) The U.S. Small Business Administration FOIA Response on XXXX XXXX XXXX, per the XXXX XXXX XXXX XXXX letter # 6 shows XXXX XXXX failing to do Environmental Diligence and pay the first on the XXXX XXXX XXXX property 1st lien. This was a Balloon Payment in XXXX 8 ) The U.S. Small Business Administration FOIA Response on XXXX XXXX XXXX per the XXXX XXXX XXXX XXXX letter disclosed Accounting by the XXXX shows the U.S. Small Business Administration knowledge and XXXX XXXX not amortizing its XXXX Forbearance Agreement properly # 4 from the two XXXX Form XXXX Loan Transaction Histories provided to the XXXX by XXXX XXXX. XXXX XXXX has now attempted to correct it Breach of Contract seen XXXX XXXX falsified XXXX XXXX XXXX Loan Transaction History.
9 ) The U.S. Small Business Administration FOIA Response on XXXX XXXX XXXX, show that XXXX XXXX falsified its XXXX XXXX XXXX XXXX as known to the XXXX with the signed XXXX XXXX XXXX Environmental on the XXXX XXXX XXXX XXXX P. 9 putting full XXXX XXXX XXXX Environmental problems on XXXX XXXX and the XXXX with the signed XXXX XXXX XXXX Indemnification.
The U.S. Small Business Administration FOIA Response on XXXX XXXX XXXX per the XXXX XXXX XXXX XXXX Memorandum by XXXX Attorney XXXX XXXX XXXX XXXX XXXX The issues raised that do create a problem : and We should request the following additional information from the lender : ( An explanation as to why the payments on the transcripts dated XXXX XXXX, XXXX and XXXX XXXX, XXXX were not applied in accordance with the provisions of the forbearance agreement. ) Puts the U.S. Small Business Administration additionally liable for XXXX XXXX XXXX XXXX and IRS Fraud as now seen in XXXX XXXX XXXX XXXX XXXX falsified Loan Transaction History, along with XXXX XXXX XXXX XXXX XXXX falsified Environmental and 1st position Balloon Payment in XXXX not refinanced by the SBA!
I am asking the CFPB to obtain the Written Requests of XXXX XXXX per XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX email response below stating : As to the remainder of your email, it is rejected and we stand by our prior statements. How is this legal with the CFPB for XXXX XXXX to commit IRS Fraud and XXXX XXXX from XXXX XXXX Attorneys changing XXXX XXXX XXXX Banking Records, fully known to the U.S. Small Business Administration, per the XXXX XXXX XXXX Memorandum by XXXX Attorney XXXX XXXX XXXX P. 3 and the additional XXXX FOIA documents received XXXX XXXX XXXX?
I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX, to obtain from XXXX XXXX its claimed and XXXX XXXX signed XXXX Declaration of Default on its now claimed loan # XXXX that XXXX XXXX of XXXX XXXX XXXX XXXX has refused to provide as requested of XXXX XXXX XXXX XXXX!
XXXX XXXX has until XXXX XXXX XXXX to provide all Written Accounting Requests acknowledged below by email from XXXX XXXX Attorney XXXX XXXX XXXX or fully admit to XXXX XXXX continued XXXX XXXX and IRS Fraud since XXXX as fully seen in XXXX XXXX falsified XXXX XXXX XXXX Loan Transaction History!
Sincerely XXXX XXXX XXXX XXXX IRS XXXX Accounting Loan # XXXX CC XXXX XXXX, XXXX XXXX Chief of XXXX XXXX XXXX XXXX Police Department Case # XXXX XXXX IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, XXXX XXXX PM To : XXXX XXXX XXXX : XXXX : XXXX XXXX Loan # XXXX XXXX XXXX : Thank you for agreeing to have the language stricken from the cashier check. The Bank will strike the language and proceed accordingly.
As to the remainder of your email, it is rejected and we stand by our prior statements.
XXXX XXXX XXXX XXXX PARTNER XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Business Law Firm XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, CA XXXX | XXXX Phone : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | Email : XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This e-mail may contain confidential and privileged material for the sole use of the intended recipient. Any review or distribution by others is strictly prohibited. If you are not the intended recipient, please contact the sender and delete this e-mail.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CIRCULAR 230 DISCLOSURE : Pursuant to Regulations Governing Practice Before the Internal Revenue Service, any tax advice contained herein is not intended and may not be used by any person for the purpose of avoiding tax penalties that may be imposed upon a taxpayer or for the purpose of promoting, marketing or recommending to another party any transaction or tax-related matter.
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX PM To : XXXX XXXX ; XXXX XXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX Cc : 'XXXX XXXX XXXX ( CFPB ) ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; 'XXXX, XXXX ' ; XXXX, XXXX ' ; XXXX, XXXX ' XXXX XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX XXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX XXXX XXXX ' Subject : RE XXXX XXXX XXXX Loan # XXXX XXXX IRS XXXX and XXXX XXXX per XXXX XXXX XXXX XXXX, XXXX Loan Transaction History XXXX XXXX, XXXX MUFG Union Bank, Senior Vice XXXX XXXX XXXX, ( XXXX of XXXX XXXX Assistant Vice President XXXX XXXX ) -- through XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX appointed by Honorable Judge XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to answer all XXXX XXXX Loan # XXXX Questions : RE : XXXX XXXX XXXX XXXX, XXXX Response from XXXX XXXX Attorney XXXX XXXX XXXX : See Highlighted XXXX XXXX !
RE : XXXX XXXX Request for a Response on XXXX XXXX and XXXX XXXX by XXXX XXXX Attorney XXXX XXXX XXXX Stating : Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXXXXXX / IRS XXXX On from the above referenced check ; XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the President Assistant Vice President XXXX XXXX : Per XXXX XXXX XXXX XXXX and XXXX XXXX emails below, and request for response regarding the Cashiers, check for {$34000.00} to XXXX XXXX on Loan # XXXX, acknowledged by XXXX XXXX. XXXX XXXX has my permission to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check!
1 ) XXXX XXXX once it has cashed this XXXX XXXX, XXXX cashiers, check for {$34000.00} claimed owed by XXXX XXXX. XXXX XXXX has Five Days to amend the XXXX IRS XXXX XXXX XXXX filed with the IRS in XXXX to show XXXX XXXX XXXX XXXX XXXX Loan Transaction History accounting changed by XXXX XXXX back to XXXX or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX beginning in XXXX and now in XXXX with {$36000.00}!
2 ) XXXX XXXX once it has cashed this XXXX XXXX XXXX cashiers, check for {$34000.00} claimed owed by XXXX XXXX. XXXX XXXX has Five Days to amend all of XXXX XXXX IRS XXXX accounting attached back to XXXX with the IRS, per XXXX XXXX XXXX XXXX XXXX Loan Transaction History or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX into XXXX!
3 ) XXXX XXXX will have to answer all questions asked of the Consumer Financial Protection Bureau Case Number XXXX regarding XXXX XXXX XXXX Loan accounting on Loan # XXXX!
4 ) XXXX XXXX will have to answer all questions asked of the Office Of The Comptroller Of The Currency Administrator Of XXXX XXXX Complaint-Case # XXXX regarding XXXX XXXX XXXX Loan accounting on Loan # XXXX!
XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the President Assistant Vice President XXXX XXXX : XXXX XXXX XXXX XXXX and IRS XXXX is now fully known to XXXX XXXX Chief of Police XXXX XXXX and XXXX XXXX of the XXXX XXXX Police Department Case # XXXX along with the XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX Attorney XXXX XXXX XXXX, who are copied per XXXX XXXX ongoing XXXX XXXX and IRS XXXX against XXXX XXXX reported IRS XXXX accounting back to XXXX and XXXX XXXX XXXX IRS XXXX that XXXX XXXX filed with the IRS in XXXX, on Loan # XXXX as paid in full! The fact that XXXX XXXX to date has not changed XXXX XXXX XXXX IRS XXXX filed with the IRS in XXXX, on Loan # XXXX as paid in full is the same as XXXX XXXX stating XXXX XXXX XXXX Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check ; XXXX XXXX loan # XXXX ended on XXXX XXXX, XXXX according to XXXX XXXX only XXXX IRS XXXX XXXX XXXX filed with the IRS in XXXX! XXXX XXXX has never changed this! XXXX XXXX Fraudulent XXXX XXXX XXXX IRS XXXX for XXXX was never filed with the IRS as claimed by XXXX XXXX Attorney XXXX XXXX XXXX! XXXX XXXX now claiming {$36000.00} owed XXXX XXXX in XXXX, comes to XXXX XXXX XXXX XXXX of {$320000.00} since XXXX XXXX, XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide a Written Itemization/Loan Transaction History for its claimed loan # XXXX back to XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide XXXX XXXX exact Rescission/Modification date, claimed by XXXX XXXX Attorney XXXX XXXX XXXX in his XXXX XXXX XXXX Email!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide XXXX XXXX written/signed Declaration of Default by XXXX XXXX on its claimed Loan # XXXX provided to XXXX XXXX XXXX XXXX in XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide a Current XXXX Form XXXX ( Loan Transaction History ) for ( XXXX Loan # XXXX ) and ( SBA Loan # XXXX ) referenced by XXXX XXXX Attorney XXXX XXXX XXXX in his last three emails for any changes made with the XXXX or the IRS as now claimed in XXXX XXXX XXXX XXXX XXXX Loan Transaction History using, Loan # XXXX and not using XXXX XXXX now claimed NOD Loan # XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide an itemized accounting of XXXX XXXX {$57000.00} in Attorney fees taken by XXXX XXXX on XXXX XXXX, XXXX as seen in XXXX XXXX XXXX XXXX XXXX Loan Transaction History!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide an explanation of how XXXX XXXX added {$45000.00} onto Loan # XXXX not seen owed XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Loan Transaction History attached!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to explain why XXXX XXXX did not properly amortize the XXXX Forbearance and Workout agreement, created by XXXX XXXX predecessors as now seen in XXXX XXXX XXXX XXXX XXXX Loan Transaction History attached against XXXX XXXX XXXX to XXXX IRS XXXX accounting to the IRS!
XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX of the President Assistant Vice President XXXX XXXX : XXXX XXXX XXXX XXXX XXXX email shows that XXXX XXXX has received ; what XXXX XXXX claims was owed XXXX XXXX for its claimed Loan # XXXX incurred {$1500.00} in trustee fees. This is a total of {$36000.00} claimed owed by XXXX XXXX on a fraudulent Loan # XXXX against XXXX XXXX XXXX # XXXX put into the last Three Subject Lines in emails from XXXX XXXX Attorney XXXX XXXX XXXX! XXXX XXXX has Five Days to provide all Written Accounting Requests above or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX since XXXX as fully seen in XXXX XXXX falsified XXXX XXXX XXXX Loan Transaction History, against XXXX XXXX XXXX to XXXX IRS XXXX Accounting to the IRS and XXXX XXXX only XXXX IRS XXXX filed with the Internal Revenue Service in XXXX, never changed!
Sincerely XXXX XXXX XXXX XXXX IRS XXXX Accounting Loan # XXXX CC XXXX XXXX, XXXX XXXX Chief of XXXX XXXX XXXX XXXX Police Department Case # XXXX CC IRS XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX County of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ca XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX AM To : XXXX XXXX XXXX : RE : XXXX XXXX Loan # XXXX XXXX XXXX XXXX Again, placing qualifying statements with respect to payments is not appropriate. The additional terms you have proposed in your email below are rejected.
Please simply respond to this email stating that you are authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from Check No. XXXX before cashing it without any additional language, terms or demands.
Thank you.
XXXX XXXX XXXX XXXX PARTNER XXXX, XXXX, XXXX XXXX XXXX, XXXX | XXXX XXXX Business Law Firm XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, CA XXXX | XXXX Phone : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | Email : XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This e-mail may contain confidential and privileged material for the sole use of the intended recipient. Any review or distribution by others is strictly prohibited. If you are not the intended recipient, please contact the sender and delete this e-mail.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CIRCULAR 230 DISCLOSURE : Pursuant to Regulations Governing Practice Before the Internal Revenue Service, any tax advice contained herein is not intended and may not be used by any person for the purpose of avoiding tax penalties that may be imposed upon a taxpayer or for the purpose of promoting, marketing or recommending to another party any transaction or tax-related matter.
From : XXXX XXXX [ mailto : XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, XXXX XXXX AM To : XXXX XXXX ; XXXX XXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX Cc : XXXX, XXXX ( CFPB ) ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXX XXXX XXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX ; Congressman XXXX XXXX Subject : RE : XXXX XXXX Loan # XXXX XXXX IRS XXXX and XXXX XXXX per XXXX XXXX XXXX XXXX, XXXX Loan Transaction History XXXX XXXX, XXXX MUFG Union Bank XXXX Senior Vice President XXXX XXXX , ( Office of the President Assistant Vice President XXXX XXXX ) -- through XXXX XXXX XXXXCalifornia State Bar # XXXX and through XXXX XXXX XXXX California State Bar # XXXX appointed by Honorable Judge XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to answer all XXXX XXXX XXXX XXXX XXXX Questions : RE : XXXX XXXX Request for a Response on XXXX XXXX and XXXX XXXX by XXXX XXXX Attorney XXXX XXXX XXXX XXXX : Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Office of the President Assistant Vice President XXXX XXXX XXXX Per XXXX XXXX XXXX XXXX and XXXX XXXX emails below, and request for response regarding the Cashiers, check for {$34000.00} to XXXX XXXX on Loan # XXXX, acknowledged by XXXX XXXX XXXX XXXX XXXX has my permission to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check!
1 ) XXXX XXXX once it has cashed this XXXX XXXX, XXXX cashiers, check for {$34000.00} claimed owed by XXXX XXXX. XXXX XXXX has Five Days to amend the XXXX IRS XXXX XXXX XXXX filed with the IRS in XXXX to show XXXX XXXX XXXX XXXX XXXX Loan Transaction History accounting changed by XXXX XXXX back to XXXX or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX beginning in XXXX and now in XXXX with {$36000.00}!
2 ) XXXX XXXX once it has cashed this XXXX XXXX XXXX cashiers, check for {$34000.00} claimed owed by XXXX XXXX. XXXX XXXX has Five Days to amend all of XXXX XXXX IRS XXXX accounting attached back to XXXX with the IRS, per XXXX XXXX XXXX XXXX XXXX Loan Transaction History or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX into XXXX!
3 ) XXXX XXXX will have to answer all questions asked of the Consumer Financial Protection Bureau Case Number XXXX regarding XXXX XXXX XXXX Loan accounting on Loan # XXXX!
4 ) XXXX XXXX will have to answer all questions asked of the Office Of The Comptroller Of The Currency Administrator Of XXXX XXXX Complaint-Case # XXXX regarding XXXX XXXX XXXX Loan accounting on Loan # XXXX!
XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the President Assistant Vice President XXXX XXXX : XXXX XXXX XXXX XXXX and IRS XXXX is now fully known to XXXX XXXX Chief of Police XXXX XXXX and XXXX XXXX of the XXXX XXXX Police Department Case # XXXX along with the XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX Attorney XXXX XXXX XXXX, who are copied per XXXX XXXX ongoing XXXX XXXX and IRS XXXX against XXXX XXXX reported IRS XXXX accounting back to XXXX and XXXX XXXX XXXX IRS XXXX that XXXX XXXX filed with the IRS in XXXX, on Loan # XXXX as paid in full! The fact that XXXX XXXX to date has not changed XXXX XXXX XXXX IRS XXXX filed with the IRS in XXXX, on Loan # XXXX as paid in full is the same as XXXX XXXX stating XXXX XXXX XXXX Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check ; XXXX XXXX loan # XXXX ended on XXXX XXXX, XXXX according to XXXX XXXX only XXXX IRS XXXX XXXX XXXX filed with the IRS in XXXX! XXXX XXXX has never changed this! XXXX XXXX Fraudulent XXXX XXXX XXXX IRS XXXX for XXXX was never filed with the IRS as claimed by XXXX XXXX Attorney XXXX XXXX XXXX! XXXX XXXX now claiming {$36000.00} owed XXXX XXXX in XXXX, comes to XXXX XXXX XXXX XXXX of {$320000.00} since XXXX XXXX, XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide a Written Itemization/Loan Transaction History for its claimed loan # XXXX back to XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide XXXX XXXX exact Rescission/Modification date, claimed by XXXX XXXX Attorney XXXX XXXX XXXX in his XXXX XXXX XXXX Email!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide XXXX XXXX written/signed Declaration of Default by XXXX XXXX on its claimed Loan # XXXX provided to XXXX XXXX XXXX XXXX in XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide a Current XXXX Form XXXX ( Loan Transaction History ) for ( SBA Loan # XXXX ) and ( XXXX Loan # XXXX ) referenced by XXXX XXXX Attorney XXXX XXXX XXXX in his last three emails for any changes made with the XXXX or the IRS as now claimed in XXXX XXXX XXXX XXXX XXXX Loan Transaction History using, Loan # XXXX and not using XXXX XXXX now claimed NOD Loan # XXXX!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide an itemized accounting of XXXX XXXX {$57000.00} in Attorney fees taken by XXXX XXXX on XXXX XXXX, XXXX as seen in XXXX XXXX XXXX XXXX XXXX Loan Transaction History!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to provide an explanation of how XXXX XXXX added {$45000.00} onto Loan # XXXX not seen owed XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Loan Transaction History attached!
XXXX XXXX. This is a Written Accounting Request for XXXX XXXX to explain why XXXX XXXX did not properly amortize the XXXX Forbearance and Workout agreement, created by XXXX XXXX predecessors as now seen in XXXX XXXX XXXX XXXX XXXX Loan Transaction History attached against XXXX XXXX XXXX to XXXX IRS XXXX accounting to the IRS!
XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the President Assistant Vice President XXXX XXXX : XXXX XXXX XXXX XXXX XXXX email shows that XXXX XXXX has received ; what XXXX XXXX claims was owed XXXX XXXX for its claimed Loan # XXXX incurred {$1500.00} in trustee fees. This is a total of {$36000.00} claimed owed by XXXX XXXX on a fraudulent Loan # XXXX against XXXX XXXX XXXX # XXXX put into the last Three Subject Lines in emails from XXXX XXXX Attorney XXXX XXXX XXXX! XXXX XXXX has Five Days to provide all Written Accounting Requests above or fully admit to XXXX XXXX continued XXXX XXXX and IRS XXXX since XXXX as fully seen in XXXX XXXX falsified XXXX XXXX XXXX Loan Transaction History, against XXXX Banks XXXX to XXXX IRS XXXX Accounting to the IRS and XXXX XXXX only XXXX IRS XXXX filed with the Internal Revenue Service in XXXX, never changed!
Sincerely XXXX XXXX XXXX XXXX IRS XXXX Accounting Loan # XXXX CC XXXX XXXX, XXXX XXXX Chief of XXXX XXXX XXXX XXXX Police Department Case # XXXX CC IRS XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX County of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, XXXX XXXX PM To : XXXX XXXX ( XXXXXXXXXXXX ) Subject : RE : XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of your second cashiers check in the amount of {$1500.00}. Thank you for not including any inappropriate language on the second check.
However, as I stated before, XXXX XXXX will not be cashing either check until you Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from the first check ( Check No. XXXX ) before cashing it.
I await your response.
XXXX XXXX XXXX | PARTNER XXXX, XXXX, XXXX XXXX XXXX, XXXX | XXXX XXXX Business Law Firm XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, CA XXXX | XXXX Phone : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | Email : XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This e-mail may contain confidential and privileged material for the sole use of the intended recipient. Any review or distribution by others is strictly prohibited. If you are not the intended recipient, please contact the sender and delete this e-mail.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CIRCULAR 230 DISCLOSURE : Pursuant to Regulations Governing Practice Before the Internal Revenue Service, any tax advice contained herein is not intended and may not be used by any person for the purpose of avoiding tax penalties that may be imposed upon a taxpayer or for the purpose of promoting, marketing or recommending to another party any transaction or tax-related matter.
From : XXXX XXXX Sent : Wednesday, XXXX XXXX, XXXX XXXX PM To : XXXX XXXX ( XXXXXXXXXXXX ) Subject : RE : XXXX XXXX Loan # XXXX XXXX XXXX : XXXX XXXX is in receipt of your cashiers check in the amount of {$34000.00}, a copy of which is attached herein. In addition to the total not being sufficient to reinstate your loan ( see below ), you inserted the language XXXX XXXX / IRS XXXX on Loan # XXXX in the memo line of the check. As I have repeatedly told you in the past, you are not to include any language in the memo line of a check other than your name and/or loan number. As a result, this check is unacceptable in its current form.
In order to reinstate your loan, you must : 1. Respond to me in writing, authorizing XXXX XXXX to cross out the language XXXX XXXX / IRS XXXX On from the above referenced check ; and 2. Submit an additional check in the amount of {$1600.00} without any improper language on its face.
Failure to do both of the above before the foreclosure trustee records the trustee sale notice will result in additional trustee fee costs being incurred that you will be required to pay to reinstate your loan.
XXXX XXXX XXXX | PARTNER XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Business Law Firm XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, CA XXXX | XXXX Phone : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | Email : XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This e-mail may contain confidential and privileged material for the sole use of the intended recipient. Any review or distribution by others is strictly prohibited. If you are not the intended recipient, please contact the sender and delete this e-mail.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CIRCULAR 230 DISCLOSURE : Pursuant to Regulations Governing Practice Before the Internal Revenue Service, any tax advice contained herein is not intended and may not be used by any person for the purpose of avoiding tax penalties that may be imposed upon a taxpayer or for the purpose of promoting, marketing or recommending to another party any transaction or tax-related matter.
From : XXXX XXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX PM To : XXXX XXXX ( XXXXXXXXXXXX ) Subject : XXXX XXXX Loan # XXXX XXXX XXXX : We have been advised that you claim to have sent a check today to XXXX XXXX in the amount of {$34000.00}. You did this before receiving the reinstatement amount for your loan from the foreclosure trustee. This amount does not constitute the entire amount due to reinstate your loan.
As set forth on the loan statement dated XXXX XXXX, XXXX, the total amount of principal, interest and late charges on your loan, if paid by XXXX XXXX, XXXX would have been {$34000.00}. By your own admission, you submitted payment on XXXX XXXX. Accordingly, an additional late fee of {$160.00} was assessed.
Additionally, your loan statement does not include the trustee fees that have been incurred by the bank, which are recoverable pursuant to your loan the deed of trust. To date, XXXX XXXX has incurred {$1500.00} in trustee fees. Therefore, in order to reinstate your loan, in addition to the {$34000.00} you claim to have sent, you must also submit an additional payment of {$1600.00}. When the bank receives the payment you claim to have sent today, it will hold said payment uncashed until the additional amount is received. If you fail to submit the additional payment with a postmark on or before XXXX XXXX, XXXX, a notice of trustee sale will subsequently be recorded against your property,
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| 09/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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RE : VP XXXX : MUFG Union BankXX/XX/XXXX MEMORANDUM Subject : Financial Elder Abuse MUFG Union Bank, XXXX XXXX CA TO : Dept of Justice Public Inquiry Unit ; XXXX XXXX File XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Introduction : A mortgage involves two parties ; a trust deed involves three parties : a Borrower ( the Trustor ), a Lender ( the Beneficiary ), and the title company, escrow company, or bank ( Trustee ) that holds title to the lien for the benefit of the lender and whose sole function is to initiate and complete the foreclosure process at the request of the lender. When the Beneficiary and the Trustor are the same, the Bank is the beneficiary. In a foreclosure process the Bank will tend to be both judge and jury. This places the Bank is a powerful position ;. Union initiates a false foreclosure and benefit from the outcomes. You are placed in a vulnerable position in relation to the Bank.This encourages the Bank to be aggressive and reluctant to negotiate billing disputes ; and encourages the pace of false billing. In our experience, Union Bank will employ extortion by false foreclosure as a more efficient solution than dispute resolution.
1. A fixed rate option Plan can be either a trust deed or a mortgage ; but a mortgage is not a trust deed. It is always a mortgage. But a product called Fixed Rate Optiondoes n't even rate a passing mention. It is not a real product, but a general statement about a class of products that do appear in the Glossary. Under the Transfer Agreement the Consumer has an equitable right to choose his prefered option. But under the Banks wilful insistence to both offer and choose, there is no equitable contract. And in fact despite the illusion of Transfer, nothing is transferred. The original equity account will not be closed, but maintained and used. It order for the Transfer to be equitable, the Bank must respect the right of the Consumer to make the choice.That is the meaning of the word Option. But the Bank refuses to recognize the right of the Consumer to choose, which is inherent in the Agreement. Unfortunately, there was no identifying, recognizable label that identified it as a HELOC ; it was simply presented as a Fixed Rate Option by XXXX. He fraudulently substituted a HELOC for the mortgage. requested by Plaintiffs. The XXXX Tax Statement, ( attached ) issued by the Bank, in 2018, unambiguously depicted the Plaintiffs account as a mortgage.There 's obviously a conflict. Plaintiffs were lulled into believing they had a mortgage. But It can not be both a Mortgage and HELOC. It is one or the other. The contract is inherently flawed ; it must be considered void, for incoherent.
2.FTC Act, Section 5. An agreement based on a representation, omission, or practice that misleads or is likely to mislead is unconscionable. A contract may be found to be unconscionable based on several different factors :.
3.Why is the HELAOC so critical to the Banks business strategy that it will lie, cheat and misrepresent to customers? The term Fixed Rate Option, on a monthly statement title, turns out not be be an option, at all, but simply an extension of the closed equity account, something we never agreed to ; a false filing ; yet XXXX insists that there is no other choice except to bend the knee. And while we were questioning, the account has somehow morphed into three accounts, with slightly different numbers, all variations of an equity account statement closed last year! And XXXX XXXX in the Vice President 's office states that it is the way accounting is done by the Bank, and there's no other choice because you were fooled by XXXX.
You may never know how payments are allocated, or chopped up to create partial payments that generate penalties, interest and negative amortization ; ad infinitum. These misrepresentations are bared by California Financial Senior Abuse Codes 368, 484,482,115,487 ; 368 ( d ) and as well as Identity Theft, But apparently XXXX believes that she has impunity because the phony contract has an arbitration clause and it provides laissez faire. In a letter datedXX/XX/XXXX, she states that she is willing to correct the Bank 's false charges with a back dated fixed rate of {$800.00} ; but when Plaintiff asks to track a payment that was not due inXX/XX/XXXX, she will not respond, but states that the payment dated XX/XX/XXXXfor XXXX was not considered! ( in retaliation for having complained to the XXXX ) the lost payment has disappeared from her radar. Crimes and Criminal Procedure ; theft, embezzlement, or misapplication by Bank Officer ( US Code Title 18. ) In the capacity of Assistant to the Vice President XXXX XXXX continues to insist that the Bank has an inherent right to fabricate accounts.
XXXX XXXX, their accountant, creates new rules for the benefit of the Bank, and is a valued employee. She writes in her letter of XX/XX/XXXX, When we transfer balance ... we transfer the principal balance only and any unpaid interest remains on the principal balance. False fact! The Disclosures actually state, when your line of credit draw period ends your monthly payments ... will consist of principal and interest to fully amortize the outstanding balance ( XXXX ). And contrary to US Code Title 18 Although many of the Banks accounting practices are contrary to GAAP, the standard, as well as the Banks Disclosures, XXXX states that..the Bank doesn't accept current payments if past disputed interest payments are still due. A rule invented by XXXX, to facilitate splitting payments among several fabricated accounts in order to charge penalty and interest. Several fabricated accounts which shuffle credits and payments, hide charges and confuse customers with unprecedented accounting fraud. Blatant violations of PC 115 ; 115.5 ; PC 950 ( grand theft via false foreclosure ) ; PC 368 ( senior abuse ), and equitable estoppel, to prevent the Bank from taking unfair advantage of seniors when through false language or conduct ; the person to be stopped has induced another person to act in a certain way, which resulted in the other person injured in some way.
The criminal actions of the bank are an undue burden. They will do anything that they can get away with.
. Undue Influence : VP XXXX abused our trust while he exercised unreasonable pressure, and the threat of rising interest rates to obtain Agreement. He misinformed Plaintiffs, did not provide a meaningful disclosure of various other credit terms ; so that the Plaintiffs were not able to compare more readily the various available credit terms and loan options.
.Duress : VP XXXX used the threats of pending interest rate increases, he stressed that time was of the essence, in order to obtain agreement XXXX insisted that it was a traditional mortgage.. The wolf comes dressed as a wolf.
C.Unequal Bargaining Power : VP XXXX took unreasonable advantage of the Plaintiffs. XXXX was aware that they obviously did not understand the contract terms, and that the contract represented a HELOC, not a traditional mortgage.
D.Unfair Surprise : XXXX falsely claimed that the term, Fixed Rate Option Plan, was the term the Bank used to describe a traditional mortgage. It was bait and switch to a HELOC. He made material misrepresentations in bad faith.The choice of account is designed and orchestrated by the Bank to keep customers in a state of high anxiety so that they become prey to false billing, which generates penalty and interest charges to the consumer and benefits to the Bank. The false charges begin with questionable small amounts that would have ordinarily gone to Small Claims Court for disposition. For example, Plaintiffs closed the Equity account onXX/XX/XXXX, nevertheless the Bank would not process the closure date until the end of XX/XX/XXXX. When queried, the Bank replied because that's the Bank policy, period. Although the Transfer Agreement states, Any day that a portion of your account balance is transferred to a new ... Fixed Rate Option Plan is a fixed rate option transfer date. The Bank tried to keep the customer in a state of anxiety. The use of non-judicial foreclosure notices to resolve disputes about false billings was particularly effective. It was used to extort unverified charges. It is fraud in the factum, The Bank must have strategized that by increasing the anxiety level of elders, it would train them, eventually, to pay without question to avoid harassment. A brainwashing to achieve the conditioned response leading to total compliance.
E.Misrepresentation : VPXXXX XXXX knew that his statements were false ; but he intended to have the Plaintiffs rely on his statements ; and after several high pressure sessions, by raising the Plaintiff 's levels of anxiety ; he achieved the result : the Plaintiffs did rely on the misrepresentations.
The Bank further clouded the issue by misrepresenting the account as a mortgage. Therefore, it should not be surprising that the Plaint believed that he had a mortgage. Until in XX/XX/XXXX, when he received a foreclosure notice as result of a dispute over a false charge. The Bank could have gone to arbitration, but elected instead for file for foreclosure to steal the house. The Notice alerted Plaintiffs that they had been misinformed ; that the account a HELOC. It lacked judicial safeguards.They were extorted, harmed by this imposition. It was a timed technique, beginning with false charges too small to pursue they would soon snowball into substantial claims. Plaintiffs queries were ignored until the Bank apparently believed that the dollar amount had reached the level of enlightenment.
F. Undue Influence : This is where the Bank exercised unreasonable pressure in order to press the Plaintiffs to sign the contract.Where VP XXXX took advantage of the Plaintiffs age, and vulnerability. The regime of Identity Theft and false filings kicked in. For example, although the Bank had a direct draw agreement on Plaintiffs checking account to pay monthly bills, the Bank maliciously neglected and finally refused to do so. This enabled the Bank to dun for late payments and penalties enriching the Bank further still. In retrospect the foreclosure notice is seen as malicious prosecution for a wrongful purpose ; clearly meant to intentionally inflict emotional and financial distress.
G. Illegal practices : Elder Abuse statutes and US Code Title 18 Sec.1005 ; As noted, Plaintiffs had been led astray by the yearly tax statement of the Bank , that identified the account as a Mortgage. Plaintiffs now recognize that they were victims of a bait and switch.Nothing prepared the Plaintiffs shock when learning that they were caught in a HELOC. The Bank had revived the closed equity account, for billing purposes, and added two more fictional, unpurposed accounts, with which to play their game of Whack the Mole with payments that were only partially credited, the balance placed in the fictitious accounts in order to generate further penalties and interest.. An abuse specifically targeted by Title 18. This is similar to the XXXX XXXX smackdown. Where redress is a matter of public policy, H.Unfair Surprise : When the party who creates the contract includes a term in the contract without the other parties knowledge and is not within the other parties expectations ; as the term, Fixed Rate Option Plan was falsely represented by XXXX as a Traditional Mortgage. it is axiomatic that no offer can be accepted unless offeree knows what he has accepted. Although the Plaintiffs requested clarification several times after signing, none was forthcoming until the filing of the Foreclosure. Plaintiffs were unlawfully unaware that the switch was made by XXXX. ( Article 2 Uniform Commercial Code. ( UCC 2-209. ) I.Unequal Bargaining Power : This occurs where one party has an unreasonable advantage of the other. It was not until five months later that Plaintiffs became aware of the switch. The Bank is aware that the Plaintiffs did not understand the contract terms. Because the XXXX Tax Statement sent by the Bank unambiguously depicts the account as a mortgage, this had led us to believe that our instructions had been duly noted and followed. A Fixed Rate Option Plan, mischaracterized by XXXX is a general term for all available options. One of which is the traditional mortgage, which XXXX concealed. XXXX falsely represented and omitted to disclose a material fact : the switch was actually.
J.Acting with the intent to deceive and defraud, XXXX mis-stated the meaning of the term Fixed Rate Option. He failed to state that the Bank does not even use this term in its glossary of products, because it is categorical, not a specific product. XXXX falsely claimed that it was how the Bank referred to a mortgage. In fact, it can represent anything all or nothing at all. XXXX took advantage of our age and our trust ( after many years of business banking there ) to deceive Plaintiffs.
1.Federal Felonies : The Bank manufactured several fictitious account numbers, in our names, to facilitate the illegal practice of chopping designated payments into several pieces, instead of crediting them to the proper account. A felony violation of 18 U.S.Code 1005. The so-called segments were employed to extort undocumented payments as the basis of false foreclosure.The false account numbers opened in behalf of Plaintiffs enabled the game of Whack the Mole, as they shifted money around with the intention to stuff the false filings with mis-directed cash ; to be added to profit.
( Bank entries, reports and transactions ; covered felonies under 18 US Code ) .Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation , or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization or the Board of Governors of the Federal Reserve System ... [ is in breach of federal regulations ] See also XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXXXX/XX/XXXX) ( debtor awarded punitive damages of {$3.00} million against Wells Fargo for servicing abuses. Court declared that Wells Fargo exhibited reprehensible actions. The court had previously found that the bank improperly applied payments to interest and fees, instead of principal and improperly charged the debtor more than {$24000.00} in fees. ) ( XXXX v. XXXX XXXX ) 2.California felony statutes : In XX/XX/XXXX the California Legislature required employees of banks to report suspected suspected financial elder abuse. This law was based on the fact that financial institutions typically have the first opportunity to recognize signs of senior fraud. The failure to report suspected abuse subjects the offender to a maximum of {$5000.00} fine. To the contrary, MUFG Union Bank employs elder abuse with hubris, as a policy.
Penal Codes 115 and 115.5 prohibits the filing of false documents, manufacturing alternate accounts cited by XXXX XXXX as company policy ; Penal Code 950 is grand theft, which the Bank violates in its use of false foreclosure ; Penal Code 368 is especially protective of seniors by mandating triple damages for abuse, a population targeted by the Bank in their advertisements searching for prey. XXXX should be aware that Identity Theft, which she approves of and justifies as Bank policy, now carries a maximum penalty of 15 years imprisonment and substantial fines.The statutes allow for triple damages in order to discourage elder abuse. XXXX XXXX, Supervisor in Consumer Lending, in response to my complaint exclaimed that it was impossible in a telephone conversation in XX/XX/XXXX ; if the Bank changed its procedures there are over 1000 accounts that would have to be changed.
3.Despite these State and Federal prohibitions, despite Cease and Desist Notices from the Plaintiffs, these practices continue to be standard operating procedures ; with the Bank refusing to cease and desist. Decisions by the Bank which are utterly unreviewable, must be vacated as arbitrary and capricious. The abuse is widespread, acknowledged and approved of ; it is the MUFG Union Bank policy.
Under California Welfare and Institutions Code 15610.30, plaintiffs must prove several things to show that an older person was exploited. The defendant retained, appropriated, hid or took the property or money of the elderly person or helped someone else with doing so.The older adult was either XXXX or older or was a dependent adult at the time and that the person who took, retained, appropriated or hid the property did so for an unlawful purpose or with the intent to defraud the victim. Finally, the victim suffered harm that was caused by the defendants actions.
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
Older American |
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Settlement Proposal to Union Bank XX/XX/XXXX from XXXX XXXX, XXXX When the lender recast the loan, after the Bank admitted to numerous false filings, the Bank should have created a new amortization schedule, among other required documents i.e. ; a table of loan payments showing the principal and interest that comprises each payment until the loan is paid in full for consideration of the customer. Unfortunately, the Bank 's proposal turned out to be a demand contract of adhesion ; the take-it-or-leave-it contract. Mr. XXXX XXXX defined a contract of adhesion as follows : " The term signifies a standardized contract, which, imposed and drafted by the party of superior bargaining strength, relegates to the subscribing party only the opportunity to adhere to the contract or reject it. '' This contract turned out to be an expired Heloc, dated XXXX, that Ms. XXXX may have found in the waste container. Nevertheless she claimed that it represented a collectible debt. The reuse of a null and void contract has no legal consequences because it is null from the start ; but XXXX XXXX lied, claiming that it was a valid new Heloc, misinforming Customer and demanded repayment on that basis. After the recast, the Bank had suddenly begun referring to the loan as a personal loan, a term never previously used and incorrectly applied to a Heloc, even a false one, which relies on equity assets. It was a strategy to draw consumers attention away from the Civil Code limit of 10 %, for business purposes for which the money was used. Customer was fooled for over a year when he realized it was fraudulent ; non-conforming to Truth in Lending so that she could perfect a fraud. Customer was fooled for a couple of years because he had believed her. Even a false contract has to look real.
The Truth in Lending Act, which banks are required to follow, requires a lender to divulge sufficient information for a customer to make a thoughtful choice. Options were totally concealed by the Bank. Yet Ms. XXXX sent several copies of the null contract to Consumer, insisting each time that it was the real contract, Consumer finally realized that it was a facsimile of those he had already received, and void, ( Void means that there is none ). Although the Bank has endeavored to create the illusion of legality the reality is that there is no legal contract. Just old garbage from XXXX. In order to maintain a pretense. Mr. XXXX directed the Bank to use standard billing forms for a Line of Credit, a clumsy ploy to hide evidence of fraud and of the Misrepresentation. There is no contract at all between the parties. There was an habitual payment as the result of deception rather than acceptance, encouraged by mis-statement and deceit from Ms. XXXX, who sought to maintain both the lie and the illusion.of Agreement.Customer then filed a legal Complaint. Although the Bank did pay back {$5000.00}, previously eaten, the recast account also carries an onerous and punitive interest rate as a reprisal, over 36 % APR. Ms. XXXX acted maliciously and despicably in demanding over 36 % APR, thereby putting customers assets at risk ; and grossly out of step with excellent credit ratings. Customer has suffered monetary damages for money paid out in response to false billing. Elder Financial Abuse may result in significant punitive damages when oppression is a factor.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TILA requires listing the amount financed, the Payment schedule, the Amortization schedule and Finance charges, including any additional fees and penalties, and the cost of the interest. The Heloc was a false contract of adhesion.The Ca Penal Code, Section 368, deals with theft ; which may result in mental suffering. ( 368 ( c ) Lenders have specific responsibilities under Regulation Z and TILA, including : Disclosures must be provided timely and redisclosure must be completed as required ; Disclosures must be expressed accurately and completely ; and, Terms, rates, and charges, including the annual percentage rate ( APR ) and finance charges, must be expressed consistent with required formats, amortization schedule, and tolerances ) .APR is calculated by multiplying the periodic interest rate by the number of periods in a year in which the periodic rate is applied. It does not indicate how many times the rate is applied to the balance, information required by Truth in Lending.One could assume anything at all.There was no meeting of the minds ; and a void Heloc, as the curtain of a performance. Consumer has since learned that the Union Bank had a business relationship with the XXXX, the XXXX crime syndicate, specializing in white collar crime.
Allegations 1. Bank presented the discarded, null Heloc contract as a new fixed rate contract, which it was not. ( Fraudulent Misrepresentation ) Customer received a communication from Ms.XXXX dated XXXX XXXX attemp ; ting to soothe his concerns : ... In response to your numerous claims of violations, Union Bank firmly embraces the concept of responsible banking. The actions taken on your Heloc were handled appropriately and not in violation of any laws. We have offered you this lowered rate and reimbursement simply as a goodwill gesture. No error has occurred on your Heloc.
In fact, the Heloc that Ms. XXXX writes about had expired six months previously and was null. The rate within the Heloc was excessive ; and the assertion that no error had occurred on your Heloc was a lie. The Heloc cited by MsXXXX XXXX was a fraud, and Ms. XXXX knew that she was misrepresenting it.
2.Nevetheless the Bank used the null Heloc as a vehicle to filing a false Foreclosure Notice when customer objected to false filings and stealing from his account 3.With the intent to deceive, the Bank concealed the true purpose of a recast ; which was to place a high interest rate on the account, replacing the low, flexible interest of the Heloc. Saying something is true when there was no reason to believe it was true ; making promises that the Bank had no intention of fulfilling violates ( PC487 ) 4. Bank misrepresented the expired, null and void Heloc as a new fixed rate ; erasing evidence of the low flex rate within the Heloc.
5.The Bank agreed to return most of the money that it had stolen from customer 's account if the customer dropped his legal complaint. ( XXXX ) 6.In the meantime, Bank had hidden the employee, the named Defendant in the Complaint and refused to provide his location and address to insure that he would not be there to testify, thus unlawfully interfering in the Court process ; compelling Consumer to accept recast offer of the Bank. ( Title 18 U.S.C. 1501 violation ) 7.By concealing violations of the Truth in Lending Act the Bank, by false pretense, with intent to deceive, was able to weigh in with demands that were actual illegal and onerous.
8. Although the Bank returned some money stolen from Customers account it failed to pay interest on the money that it had taken.
9.Billing statements were sent to customer on Heloc forms, with the pretense that the Heloc was still operative, substituting non-contractual and onerous interest rates.
10. Bank concealed false billing by insisting that the contract mailed to customer was operative or double billing interest ; with sly changes to the interest rate. Saying something is true when Ms. XXXX had no reason to believe that it was true, was habitual. ( XXXX ).
11. Bank employees as a group together conspired to embezzle customers funds, and laughed at him when he complained ; then sent a foreclosure notice basednona nullity.Bank conspired to conceal the true nature of the recast ; as in legalizing a series of fraudulent actions to raise interest rates on the account ; taking unfair advantage of a senior customer in violation of statutes that protect seniors from unfair and exploitative actions.Ms. XXXX, the principal actor, conspired with other employees to embezzle customers money, a violation of PC 487 ( intention to steal property ) and PC 503 ( Embezzlement ) 12 Conclusion : There is no contract, written or verbal nor lien agreement between the Bank and the Customer. The Bank contends that it has loaned a certain sum to the Customer, with a null and void Heloc. The Bank, a sophisticated lender, uses an inappropriate form of contract to bill the customer, with deceitful intent, typical of white collar crime practiced by the XXXX, the XXXX crime syndicate, with whom the Bank does business. The Bank misrepresents the meaning of the word, annual, commonly understood to mean once a year, to mean once a month to deceive the literate public.Ms. XXXX was a part of the conspiracy to defraud the customer by soothing him with falsehoods that she knew were fictional. As the point person for a XXXX style attack on US banking laws, Ms. XXXX enmeshed Truth in Lending law in misrepresentations, to weaken its enforcement.
Customer received a letter from Ms. XXXX dated XXXX XXXX, in response to Customer queries : Mr. XXXX, in response to your numerous claims of violation, Union Bank firmly embraces the concept of responsible banking. The actions taken on yourHeloc were handled appropriately and not in violation of any laws. We have offered you this lowered rate and reimbursement simply as a goodwill gesture.No error has occured on your Heloc ... Our goal is to provide exceptional service and we trust that the courtesy interest reimbursement rate decrease and explanation are helpful to you.
In fact, the rate bordered on usury, the payback was for money stolen from his account and false filings ; to avoid a legal Complaint ; the recast was for numerous errors, and Customers demand was, in sum, to cease and desist from white collar crime.
Contracts are invalid, unless they, or some note or memorandum thereof, are in writing and subscribed by the party to be charged or by the party 's agent, or it appears that the client has accepted the conditions.
Customer was deceived, and Mr. XXXX, XXXX XXXX President, shall cease and desist from false billing on the basis of a null contact. There is no subscribed legal Agreement with contract conditions, nor trace of validity in the current system that justifies an interest rate far in excess of the current market rate. The use of fraud and misrepresentation to demand an inflated interest rate based on a null Heloc ; in retaliation, will cease. While Customer has been paying36 %, the current bank interest rate is 3.24 % APR. Mr. XXXX will cease and desist from imposing excessive interest. a fraud in the factum. Bank will further provide program analysis information required by Truth in Lending.
Finally, on financial industry data banks Union Bank has enrolled my property as their mortgage, thus a deterrent to legitimate banks and providing an obstacle to refinancing.
XXXX XXXX
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| 09/06/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : 'XXXX , XXXX ( CFPB ) ' ; 'XXXX, XXXX ( CFPB ) ' ; XXXX, XXXX ( CFPB ) ' ; XXXX Cc : Congressman 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 Subject : RE : Union Banks XX/XX/XXXX IRS XXXX Form accounting showing Union BankXXXX monthly Grand Theft and IRS Fraud with payment notices prepared by XXXX XXXX XXXX California State Bar # XXXX XX/XX/XXXX Consumer Financial Protection Bureau complaint numbers : # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX E-mail : XXXX Phone : XXXX Facsimile : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XX/XX/XXXX response from XXXX XXXX Consumer Financial Protection Bureau complaint numbers : # XXXX : Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX , XXXX XXXX . From the XX/XX/XXXX Consumer Financial Protection Bureau complaint Union Bank has given its exact date of its XXXX XXXX SBA Loan rescission to be XX/XX/XXXX from two Amortization Schedules created by Union Banks Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX against Union Banks XX/XX/XXXX Payment Notice and Union Banks XX/XX/XXXX online accounting. 1 ) How is it legal for Union Bank to allow its Attorneys to change Union Banks Loan Accounting Documents with ones created by Union Banks Attorneys, against what Union Bank had reported to the IRS in XX/XX/XXXX to XX/XX/XXXX in IRS XXXX? Please see that Union Bank answers this question!
Union Bank after its Office of the Presidents Consumer Financial Protection Bureau XX/XX/XXXX letter has admitted that Union Bank has two Sets of Books. Ones created by Union Bank and ones created by Union Banks Attorneys, with Union Bank using its attorneys accounting instead of Union Banks computerized accounting into XX/XX/XXXX!
2 ) Again, How is this legal in our United States Banking system to allow Union Banks Attorneys to change Loan documents against what Union Bank has reported to the IRS in year end XXXX never changed by Union Bank? Please see Union Banks XX/XX/XXXX letter attached, regarding Union Banks claimed Rescission.
3 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for Union Banks exact Date of its now claimed rescission and any notice given by Union Bank against Union Banks XX/XX/XXXX Payment Notice and XX/XX/XXXX online accounting? Union Bank has Stated XX/XX/XXXX : XXXX XXXX : We have previously provided you with the amortization schedule for your loan that was generated after the rescission of the Forbearance Agreement.! Showing Union Banks two sets of books and accounting fraud to the Comptroller of the Currency Administrator of National Banks and the Consumer Financial Protection Bureau Case # XXXX! Please review Union Banks use of restraining orders attached from XX/XX/XXXX into XX/XX/XXXX and Union Bank Amortization Schedule # 2 that Union Bank, now refers to as being accurate in Union Banks XX/XX/XXXX email against Computerized Union Bank accounting. Please see Union Banks XX/XX/XXXX accounting letter attached in Union Banks requests for a restraining order on XX/XX/XXXX. This accounting is against Union Banks Accounting to the SBA on XX/XX/XXXX and Union Bank XX/XX/XXXX Payment Notice attached showing Union Banks two sets of books.
4 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an explanation from Union Bank as to how Union Bank can charge {$45000.00} twice as seen in Union Banks XX/XX/XXXX Loan Transaction History accounting and then charge {$57000.00} in Attorney Fees for Union Banks now claimed Rescission that was never disclosed ; prior as seen in Union Banks XX/XX/XXXX Payment Notice?
5 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an itemized accounting of Union Banks Attorney Fees of {$57000.00} charged on FXX/XX/XXXX, on the same day Union Bank ended its loan # XXXX as reported to the IRS in Union Banks XX/XX/XXXX IRS XXXX, that Union Bank has never changed with the IRS?
6 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an accounting from Union Bank as to why Union Bank has not changed any IRS XXXX back to XX/XX/XXXX with Union Banks XX/XX/XXXX email claiming to have done a rescission back to XX/XX/XXXX in changing Union Banks accounting against what Union Bank has reported to the IRS?
7 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX as to how Union Bank believes it can breach a XX/XX/XXXX Forbearance and workout agreement as seen in Union Banks IRS XXXX from XX/XX/XXXX to XX/XX/XXXX and then claim a XX/XX/XXXX Rescission attempting to Correct Union Banks Breach of Contract prior and then never change any IRS XXXX back to XX/XX/XXXX per Union Banks claimed Rescission Changes?
8 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX as to how Union Bank How can claim in its XX/XX/XXXX Loan Transaction History that its Principal Balance on XX/XX/XXXX was {$410000.00} when Union Banks online accounting attached on XX/XX/XXXX and XX/XX/XXXX showed a Principal Balance of {$420000.00} along with Union Banks IRS XXXX attached for XX/XX/XXXX and XX/XX/XXXX?
9 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX for an accounting from Union Bank as to how Union Bank can file a XX/XX/XXXX IRS XXXX in XX/XX/XXXX showing Union Banks loan # XXXX as paid in full in XX/XX/XXXX with Union Banks now claimed Rescission Email on XX/XX/XXXX on loan # XXXX and then claim a Union Bank Customer # XXXX is a Union Bank Loan number in Union Banks XX/XX/XXXX letter attached written by Union Banks Attorney XXXX XXXX XXXX?
10 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX, How is it legal for Union Bank to change a Union Bank Loan Number # XXXX filed with the IRS in XX/XX/XXXX as paid in full in XX/XX/XXXX with a customer # XXXX as seen in Union Banks XX/XX/XXXX claimed Payment Notice and XX/XX/XXXX letter prepared by Union Banks Attorney XXXX XXXX XXXX?
11 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. From Union Banks XX/XX/XXXX claimed Payment Notice on loan # XXXX, attached and now acknowledged Rescission using Union Banks Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX Rescission accounting they prepared, against actual Union Bank Loan Documents. How could Union Bank take {$57000.00} in Attorney Fees from a SBA Loan before paying down principal and interest? I am requesting an itemized accounting through the Consumer Financial Protection Bureau complaint numbers : # XXXX of Union Banks Attorney Fees charged.
12 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. With Union Banks now acknowledged Rescission before Union Banks XX/XX/XXXX Payment Notice created by Union Bank attached. How is Union Bank legally allowed to claim 21 payments of Principal and Interest at {$4100.00} per month totaling {$86000.00} on XX/XX/XXXX and then claim this amount of {$97000.00} on XX/XX/XXXX as principal owed and a claimed Past Due Interest amount of {$33000.00} from Union Banks now acknowledged Rescission prior to XX/XX/XXXX?
13 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. With Union Banks now acknowledged Rescission before Union Banks XX/XX/XXXX Online Loan Accounting created by Union Bank attached. How can Union Bank claim it had done a rescission prior using its attorneys accounting from two XX/XX/XXXX Amortization Schedules as now claimed by Union Bank on XX/XX/XXXX?
14 ) I am asking the Consumer Financial Protection Bureau complaint numbers : # XXXX -- XXXX XXXX, XXXX XXXX, XXXX XXXX. How can Union Bank claim it was owed {$130000.00} in Principal and Interest on XX/XX/XXXX as the date of Union Bank Foreclosure of the XXXX XXXX Property and Inventory on its Loan # XXXX per Union Banks XX/XX/XXXX Payment Notice only showing {$86000.00} owed in back Principal and interest and then claim in Union Banks XX/XX/XXXX Letter attached that a Customer # XXXX is a Union Bank Loan Number against Union Banks XX/XX/XXXX IRS XXXX?
Sincerely XXXX XXXX XXXX IRS Accounting Loan # XXXX CC XXXX XXXX XXXX District Attorney XXXX XXXX/ Assistant District Attorney XXXX XXXX XXXX County of XXXX XXXX XXXX Government Center 4th Floor XXXX XXXX XXXX , Ca XXXX CC XXXX XXXX XXXX XXXX , Congressman XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX
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| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX To : XXXX XXXX XXXX , Ass't Vice President Office of the President, Union Bank ( XXXX ) XXXX XXXX Subject : generally accepted accounting principles not in evidence XX/XX/XXXX XXXX. I believe that the Union Bank has violated the GAAP principles in respect to my account ; resulting in significant errors. As the result of my refusal to accept these errors, based on deliberate misreading the contract terms of the equity account, and the Bank 's refusal to rectify the errors consistent with the Bank 's own Disclosures, as well as generally accepted accounting principles, I have received a false Foreclosure notice rather than an explanation of charges consistent with GAAP standards. Threats, extortion of false payments, harassment, numerous phone calls, all apparently originating from a Bank officer by the name of XXXX XXXX at the Bank 's XXXX XXXX office.
2. It gets a little complicated so bear with me. XXXX 's letter of XX/XX/XXXX identifies this person as responsible for accounting policy with the title of Customer Work Director. There is no status indication of CPA. Therefore, I assume that this person, is not a professional, although not qualified, makes policy for the West Coast entire system.
For example, although XXXX terminated his line of credit on XX/XX/XXXX, XXXX proclaims that " the interest that accrued on the " principal line of credit '' XX/XX/XXXX - XX/XX/XXXX XXXX was XXXX ''. Although contrary to the Disclosures statements, giving the customer the option to close the equity account whenever he wishes to do so, and thus discontinuing further interest charges as it is transferred to a fixed mortgage this policy is followed by the entire XXXX XXXX staff, in bad faith with Union Bank policy. ( Disclosure XX/XX/XXXX XXXX ( XX/XX/XXXX ) ) There was none, nor is there a line of credit labeled or nominated as " principal line of credit '' ; it is a manufactured fiction, a subterfuge for manufacturing negative amortization. From here on it gets a little complicated. But you remember the Federal statute that I cited ; Sections 1005 and 1006 of Title 18, United States Code, prohibits false entries. After it became apparent to me that my payments were not being credited to the principle it took six months of queries, where the Bank responded with threats, before XXXX received an answer in writing from XXXX describing the process by trickery, of negative amortization. The toll adds up to {$5500.00} to avoid Bank 's threat of illegal foreclosure, 3. Instead of applying monies to the monthly payment, as directed by XXXX, where did his money actually end up? The payment was divided between two places, one was appended to a closed equity account, and the other hung in space without number or name ; without notice or agreement. XXXX 's intention, at the time of the Transfer date, ( XX/XX/XXXX ), was to end the equity account ; in accordance with Disclosure XX/XX/XXXX XXXX ( XX/XX/XXXX ). Nevertheless, XXXX indicates in a letter that a portion of the money was assigned to this account for payment of interest, although it had become non-functional and paid off by transfer, otherwise. Yet peculiarly it does show a XXXX balance on the statement. Of course, in any event interest is not available as a balance to draw on, the account is closed in any event, therefore what is the purpose of the entry? The payment was altered by XXXX ; it quickly lost utility, and became negative amortization.
4. By way of further explanation, a check sent by XXXX was received by the Bank on XX/XX/XXXX, for the amount of {$830.00}. Using a paper statement of the closed account, without prior agreement or notice the amount of {$330.00} was taken from the XX/XX/XXXX check and allocated to some other, unidentified purpose. leaving a balance of {$510.00} which was applied elsewhere. Location unknown, known only to XXXX XXXX.
5. XXXX XXXX without permission, did not have XXXX 's agreement to misapply the money or subtract any amount from his intended location as a fixed mortgage payment. The amount missing, {$330.00} was allocated by K to an unidentified account, misusing the account number of the closed line of credit, for false interest that he claims was owed between XXXX and XXXX. It was not, of course, true ; but a mechanism to trap the consumer in a spiral of negative amortization. XXXX states that this unidentified, unnumbered account " is a segment of the line of credit. '' By calling this diminished piece of a payment a segment he/she then feels justified in attaching this piece of a payment, ( now called a " segment '' ) to interest between XX/XX/XXXX and XX/XX/XXXX ; however the equity account number is no longer on the books and only results in a partial payment for the intended account ; of course a partial payment that is unacceptable according to XXXX 's rules which keeps the account open and in arrears. A good stroke for manifesting profit and a cause for charging more interest. With a simple change of category, as with a stroke of magic, there are now two accounts generating more interest, although prohibited by Sections 1005 and 1006 of Title 18, United States Code, which prohibits false entries 6.. Although the term " segment '' is never applied in American accounting practice as used by XXXX, he calls the closed account, now nominated as a segment of a segment, back into existence with characteristic hubris. Unilaterally moving money around to satisfy an obtuse sense of order to squeeze additional profit from the terminated equity loan ; based on a fictional reading that it is only the Bank 's decision, not the customer 's option as to when to terminate the equity loan ; an incorrect allegation if one was to look through the Disclosures. Nevertheless, the entire Bank staff took up the cry that only the Bank can decide when to terminate the account, and it chose a date late in XXXX ; therefore, the period between XX/XX/XXXX and the end of XXXX has unpaid interest! But more importantly, now there are three accounts generating negative amortization interest and more profit for the Bank. Under the theory that, although small, initially, it adds up over time. Altering contracts without notice or permission is apparently not a problem if one is a financial magician seeking approbation and the customer is a trusting senior. XXXX is also uncomfortable with the notion that, in accounting practice, there is some thing, a device employed by XXXX, such as a " segment of a line of credit '' utilized in accomplishing the feats of financial legerdemain. Mixing different species of accounts together, cutting and splicing, referring to them as " segments '' isn't standard accounting. It is creative malpractice, and it does arouse suspicions about the use of negative amortization to generate profits at the expense of seniors.
I have never heard of an accounting procedure where vastly different types of entries are allocated to closed or unidentified accounts by classifying them as " segments '' ; that also generate partial payments that generate interest ; where even old closed accounts are recruited, resurrected and maintained for the purpose of flim flam accounting. Who says that there is no afterlife? When it's stated by XXXX, in explanation that he/she " can not prevent the ( terminated ) line of credit from printing the monthly statement '' XXXX is attributing the fraudulent mish mash to malign spirits. Like XXXX 's XXXX, although it has no identity, or number, nor name, is entirely without location or definition ; a thing composed of segments of various types, like a piece of monstrous DNA. And this is why the Congress created Sections 1005 and 1006 of Title 18, United States Code, which prohibits false entries such as these, correlative to 1 U.S.C. 656 and 657.
In total, first of all, there is a breach of contract wherein the Bank alleges that only by means of its own actions could a date for closing the Equity account be established. Secondly, there was a breach by falsely charging undue interest between the two dates XX/XX/XXXX when XXXX closed the account, and the date XX/XX/XXXX when the Bank closed the account ; although in fact the account was no longer justifiable or operative. Third of all, there was a breach the Bank by charging interest on the interest that was falsely alleged to have accumulated after XXXX had closed the Equity account. Fourthly, falsely using an account for that purpose that had been closed and barred for any purpose ; also bearing an account number that was in fact fictional simply for the purpose of generating further profits as interest. Fifth, by charging penalties on a fictional cause of late and missing payments in the first place. Sixth, attributing and excusing these illegal acts with a bizarre practice that the Bank calls " segmenting '', a totally unorthodox procedure inconsistent with standard American accounting practice. Hope that this clarifies things for you.
XXXX XXXX XXXX page XXXX
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| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have been a longstanding MUFG Union Bank client for the past 20 years. For the first time, however, I have encountered demonstrable unethical practices and acts of incompetence that call for immediate awareness and correction.
There are, in fact, two separate matters of contention, both of which revolve around three simultaneous refinances that I did with Union Bank in XX/XX/XXXX. All of these events occurred through the downtown XXXX XXXX Union Bank branch at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX.
The first involves an undocumented and last minute charge on my a refinance of my current residence. I was reassured numerous times and all during the refinance process that there would be no points on this refinance. This was documented in emails, bank disclosures, preliminary closing statements, and conversations with my Union Bank mortgage consultant, XXXX XXXX XXXX. However, XXXX XXXX deceived or misled me, because on the day of the actual signing, the bank charged me 0.125 points for the loan ( {$1300.00} ). This charge was not brought to my attentenion until the notary showed up with the paperwork. To repeat : it was documented that the loan would be zero points, not 0.125 points, in all previous documents and discussions.
To remedy the error, I immediately wrote to XXXX XXXX. He confirmed that it was in fact an error and that he would look into it. Because so much hard work went into this refinance, I signed the documents anyway, trusting that XXXX XXXX would correct the error to which he himself admitted. I also called XXXX XXXX and spoke to him directly at his office and further followed up with an email. Then something inexplicable happened : he returned my email stating that there was nothing he could do and defensively added the irrelevant point that he saved me over seven thousand dollars a month with the refinances he did. I had not encountered this kind of unprofessionalism from any Union Bank representatives until that episode with XXXX XXXX. The total amount is admittedly small, but that is not the point. The point is one of principle, but to this day, my concerns about the last minute charge of {$1300.00} have gone ignored.
The second point of contention is more serious. In XX/XX/XXXX, I applied with Union Bank to refinance the aforementioned 3 properties. In order to refinance the three properties at once, I was told that I would be required to do three things : first pay down the loan of one of the properties, second, pay the first half of the years property taxes on all three properties, and third, have any and all credit card statements at XXXX balance. I was also told that this could all be done through the closing process, which also required my bringing approximately an additional XXXX XXXX XXXX XXXX XXXX dollars to the closing costs.
I told XXXX XXXX that I did not have these funds available. He cheerfully responded that Union Bank solves problems. He suggested a solution that I thought made sense and was viable. He suggested that I apply for a XXXX line of credit that could be tied to my savings account at Union Bank. Because I already had XXXX in my savings account, and despite the fact that that money was not available to be used for closing costs, XXXX XXXX suggested I had enough funds in that account to warrant applying for this line of credit. This line of credit, he assured me, would allow me to have the funds available to close. And in order to apply for it, XXXX XXXX directed me to XXXX XXXX XXXX, Union Bank private banker.
My dealings with XXXX XXXX were where the serious problems began. Through the assistance of XXXX XXXX, I obtained my line of credit. However, shockingly, after the close of my three simultaneous escrows, my aforementioned savings account containing XXXX was made unavailable to me. When I asked XXXX XXXX about this, he was also confused. To resolve our shared confusion over this baffling situation, he assured me he would look into it. After several days, XXXX XXXX informed me that my savings account containing XXXX that was used to get the line of credit was locked and would be unavailable to me until the line of credit was paid off. This is, of course, outrageous, because it goes against the very point of getting the line of credit in the first place. Its like getting a car loan, but only upon the condition that the car is locked until ones loan is paid off. Obviously, I would never have agreed to this kind of ridiculous arrangement if I had known about this bizarre condition on the line of credit, especially since I had a solid competing refinance offer from XXXX XXXX that I would have chosen instead. To be sure, XXXX XXXX never mentioned that my savings account would be locked, restricted, or unavailable. Indeed, I thought that the line of credit would be simply what the term entails, and that it would be similar to other lines of credit I had with Union Bank. Around XX/XX/XXXX I was given a line of credit for XXXX ; I paid it back within 4 years, and it never forced a lock on any of my accounts.
To understand whether extending a line of credit on the condition of locking ones other assets was a new practice, I consulted banking professionals about it. I spoke extensively with a managing director at XXXX XXXX for 25 years, a managing director at XXXX XXXX XXXX for 26 years, and a managing director for XXXX XXXX. Every single one of them were baffled and appalled at how my Union Bank line of credit was handled. They told me in no uncertain terms that the policy was peculiar and confirmed that the bank put me in an unfair position.
Knowing that the situation had to be fixed, I met again with XXXX XXXX in late XX/XX/XXXX. I reiterated to him that this was not anyones understanding of what constitutes a legitimate line of credit. And indeed, nowhere on the loan document that I signed was there any proviso stating that funds in my savings account would be locked. This is the meeting when XXXX XXXX displayed conduct more fitting a check cashing center than a reputable bank. Rather than working towards a suitable solution, he tried to cover himself by claiming that he in fact did mention that my savings account would be locked pending payoff of the full line of credit. The claim that he conveyed this policy was, of course, absolutely untrue, for two obvious reasons. First, had he really conveyed it to me, I would not have agreed because it is an absurd one. Second, XXXX XXXX would not have been surprised when news of the locking was made apparent to him, but he most certainly was surprised.
I met with XXXX XXXX yet again in lateXX/XX/XXXX to try to address the paradoxical nature of giving a line of credit that involves freezing access to ones other accounts. Thankfully, during this meeting, XXXX XXXX recognized that this is not how a line of credit works and that I was in a difficult situation. He then suggested a solution : that I apply for a XXXX HELOC on my primary residence for which he assured me I was qualified because my debt/loan ratio and income looked good. This way, I could use XXXX to pay the aforementioned line of credit off and to regain access to my savings account, and have another XXXX to use or not. Although this is very a circuitous route to the end goal, which would have been served by a correctly executed line of credit from the get go, given that my savings account was frozen, I felt this was my only solution. XXXX XXXX then conveyed to me personally that this would be a sure thing and solve the problem once and for all. However, the HELOC application was denied, despite XXXX XXXX assurances.
XXXX XXXX practices and behavior are appalling two reasons. Firstly, XXXX XXXX misled me regarding the nature and conditions associated with a Union Bank line of credit. Secondly, he misled me again by reassuring me that a solution was in place when in fact there was no such thing. I do not know whether this was done out of malice or incompetence. Either way, this type of unprofessionalism is unfitting for Union Bank. At the very least, I do not wish to work with XXXX XXXX again, as he has repeatedly demonstrated violations of fiduciary responsibility and ethical norms.
Both of these situations I write to you about, the first with XXXX XXXX and the second, and more serious, with XXXX XXXX, deviate from standards governing good business practices and undercut the integrity of Union Bank.
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| 10/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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MUFG Union Bank Acct # XXXX : XX/XX/XXXX Complaint : Bank Fraud I am a senior retired professional, who has experienced unprecedented harassment from the Union Bank amounting to financial elder abuse. Since I am XXXX years of age, and may not be around to contest harassment by this Bank due to false filings, fraudulent charges, and identity theft ( among several statutory violations ) it will be difficult for my wife who will be left to face unmitigated hardship and anguish due to financial elder abuse ; the result of the refusal of the Bank to completely acknowledge employee fraud ; the fraudulent cover up of error by the employee, XXXX XXXX.
On XX/XX/XXXX I received a Notice of expiration of my equity account : ... refinance your account with an mortgage product with Union Bank by.. choosing new loan option from the main menu. Most of the staff were on XXXX vacation, but the Vice President of Private Banking happened to be in the office and offered assist the XXXX XXXX office in processing the Transfer. That office had said that time was of the essence in order to receive the current interest rate. Although not his usual job, XXXX agreed to transfer our Flex Equity account to a fixed mortgage.I met with XXXX on XX/XX/XXXX at the Bank office in XXXX XXXX. Because he was not familiar with the process XXXX failed to show me the new loan options and indicate my choice on the Transfer ; but I was clear and emphatic in stating to him that I wanted a traditional mortgage.
XXXX XXXX filled out a Line of Credit Transfer Worksheet and Authorization. XXXX was told several times that the option that I preferred was a traditional mortgage ; however he failed to note that option on the Transfer. He leaves the room to fax the Transfer Agreement to the XXXX XXXX office, which does the accounting, but has a problem with the fax machine. He says that he can not make a connection. He makes a copy of the Transfer Agreement, for me, saying that he will send it later. But later never happens. XXXX forgot about the Agreement, and goes on XXXX vacation. There is a big problem now, because the XXXX account has been tolled in XXXX and the Bank installs a XXXX, the preference of the Bank,. ( A Heloc can result in persuasive imbalances of power between the borrower and lender. } The lender has the option of foreclosure without judicial process, which would guarantees a fair hearing. I meet with him a few weeks later, XXXX is reluctant to admit that he was forgetful and negligent. He presents an illegible copy of a contract on XX/XX/XXXX, and tells me to sign, misrepresenting it as a traditional mortgage. But in fact it is a bait and switch. I can not read it, do not have reading glasses with me ; the print is small and blurred, but he induces me to sign, assuring me that it is a traditional mortgage, digging himself into deeper deceit and fraud, In covering up the error he failed to ensure a meaningful disclosure of credit terms, a requirement of Truth in Lending. When I receive the yearly tax statement from the Bank it states my account as a mortgage ; I continue to believe, mistakenly, as it turns out, that I have received the option I chose. XXXX XXXX, of course, has no record of a Transfer.There is a dispute. A subsequent letter dated XXXX XXXX from XXXX XXXX, Residential Lending Cust Serv states the draw period of your Equity Account has expired on the above referenced account. Payments that I made are chopped up and attributed to penalty and interest. Still, XXXX refused to admit that he is the cause of the problem.Staff believes that I am lying although I fax several copies of the XXXX Transfer.The argument goes on for months, In XXXX, the XXXX XXXX office sends a foreclosure notice, Exasperated, I write the President of the Bank in New York, who steps in to resolve the differences, discovers what has happened, and assigns an assistant, XXXX XXXX to roll back the accounting to XXXX and fix the errors that have accumulated due to XXXX lies and misrepresentations. But not the contract fraud.And after a great deal of arm twisting effort, the Bank reviewed the history of the account and credited almost {$5000.00} back.
Now however, the XXXX XXXX office calls every month demanding payment of {$330.00} interest, incurred between XXXX and XXXX, because it has still not received or acknowledged a Transfer Agreement. Payments I make for a mortgage are chopped up into pieces for back interest and penalty, and not credited to principal by the use of segments, not appropriate to customers accounts.Although we have a written agreement with the Bank stating that there is nothing due, ( having made a complaint to the CFLB ) for spite XXXX XXXX pursues this sum like a bulldog to harass us, and we can hear them laughing over the phone.
The Bank meanwhile opened two additional accounts that they call segments in my name, without agreement or notice although prohibited by US Code Title 18, apparently to facilitate false billing by means of identity theft There is never any documentation of charges. For example.a charge popped up on one of the fake accounts for a {$600.00} appraisal for which there is no documented record. .I have asked several times for purpose of three account numbers that are now used in my account, because I believe that they permit double billing. Explanation received from XXXX XXXX, the assistant in the Office of the Vice President, is inadequate to answer for manifest contract fraud, enabled by the use of a Heloc and segments. FASB requires 1 ) background information about the manner which the operating segments were established ; 2 ) Describe the particular products and/or services provided by each segment ; 3 ) explain any differences between the measurements used in reporting segment information and those used in their general-purpose financial statements ; 4 ) explain any changes in measurement of segments from one reporting period to another.
A rational accounting system would have revealed the inconsistencies and alerted administrators to errors and employee fraud in the system. The Heloc is especially useful for perpetrating fraud. The Bank has been using this fraudulent Heloc contract to harass me for almost a year now.
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| 08/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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XXXX : MUFG Union Bank XX/XX/XXXX Subject : Financial Elder Abuse by fraud and misrepresentation Recently uncovered documents indicate that subsequent to our signing a Transfer Agreement our account was automatically moved, by the system itself, to a fixed mortgage. This is evidence by a yearly tax statement, received some time in XXXX, that states that the account was transferred to a fixed rate mortgage. ( also confirmed by several letters from the Bank staff ) .The Bank , however, did a bait and switch, by presenting a HELOC for us to sign with the purpose of switching the account while we thought that we were merely completing ; the process for a traditional mortgage. I can recall hearing XXXX XXXX say, very clearly, that this would complete signing for a fixed rate mortgage, which we had chosen ; and having been customers of Union for about twenty years, like older folk, we foolishly took his word for it. But now the Bank sends us statements using the closed equity account, from XXXX. In fact, the Bank has manufactured three different equity account numbers for our one account ; and has done this without Notice and Agreement. This is both Identity theft and false filing ; done for the purpose of facilitating false negative amortization.
We allege bad faith ; fraud and misrepresentation. The Transfer Agreement ending our equity account states, Any day that a portion of your account balance is transferred to a new ... Fixed Rate Option Plan is a fixed rate option transfer date.But we were denied our chosen option because we were misinformed by XXXX XXXX that the term, fixed rate option, represented a traditional mortgage. Furthermore, the XXXX Tax Statement unambiguously shows the account as a mortgage ; which was misleading, leading us to believe that our choice had been complied with. When one party in a bilateral mortgage contract presents information to another that is incorrect or is meant to confuse the other party it is fraud in the factum. Making a false statement with knowledge that the statement is false ; with the intent that we relied on the statement ; with the result that I did rely on the statement ; with the consequence that I was harmed by XXXX and the Bank is fraud. Receipt of a yearly tax statement, a few months later, stated that the account was a mortgage, leading us to believe that our choice of a traditional mortgage had been followed by the Bank, and that XXXX was truthful. A Fixed Rate Option Plan, having been described by XXXX as a traditional mortgage in the Bank 's lexicon. XXXX falsely represented or omitted to disclose a material fact : the contract actually represented a HELOC.
Acting with the intent to deceive or defraud, he mis-stated the term Fixed Rate Option to mean a traditional mortgage. The Bank does not use this term in its glossary of products, because it is a general category, not a specific product. it can represent anything all or nothing at all. But XXXX took advantage of our age and our many years of banking with the Bank, to deceive us ; essentially elder financial abuse. To further muddy the waters, the Bank has engaged in identity theft by manufacturing two additional accounts in our names without either Notice or Agreement ; for the purpose of expediting the chopping of payments into several pieces so that none represent a paid in full amount ; pieces ; the pieces accumulating penalty and interest, misdirected to one of the three accounts, as false filings, called erroneously by the Bank as segments in order to conceal their origin. They were used in a false foreclosure over a paltry sum, in a dispute, to extort disputed balances, considered a felony by the US Code Title 18.
The three different account numbers will make it more difficult to track the already bizarre and unique accounting methodology ; but will facilitate chopping payments into pieces and applying them elsewhere with the purpose of manufacturing false interest and penalties, extortion of money, under threat of foreclosure, while facilitating illegal negative amortization. A practice specifically outlawed by 18 U.S. Code 1005 - Bank entries, reports and transactions ; ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) ( debtor awarded punitive damages of {$3.00} against XXXX XXXX for servicing abuses ). Court declared that XXXX XXXX exhibited reprehensible The court had previously found that the bank improperly applied payments to interest and fees instead of principal and improperly charged the debtor more than {$24000.00} in fees. ) Customers also alleges Financial Elder Abuse, offense against ( XXXX ) and ( PC XXXX ) Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System.
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| 10/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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XX/XX/XXXX XXXX To : CFPB Subject : Union Bank is rogue Detailed Agreements between the customer and the Bank establish working arrangements designed to ensure coordination. However, when the Bank fails in its duty of care it unreasonably interferes with the work of its own staff as well as the customers financial well being.This is a cautionary tale of how Union Bank facilitates fraud and theft on its customers ; by the imposition of unbalanced arbitration agreements, to erode consumer power, and Home Equity accounts to conceal false filings, identity theft, and elder financial abuse.
Due to many intentional accounting errors, false filings, and extortionate false foreclosures the Bank agreed to roll back our account to the transfer date of the equity account to a Fixed Rate Option, XX/XX/XXXX. But we made a mistake by not being more conscious and aware of the Banks record of perfidy.The Bank, acting in bad faith, failed to follow the published guidelines for making the Transfer and despite our numerous requests for a traditional mortgage misrepresented the contract as a mortgage, although it was a Home Equity contract. A contract which provides many advantages to the lender when conspiring to defraud customers. This is what transpired : We received a letter from the Residential Lending Service of Union Bank on XX/XX/XXXX, stating that the draw period for our Flex Equity account would expire on XX/XX/XXXX.The letter furthermore stated, If your line agreement includes a repayment plan option, failure to contact us will result in the Bank automatically converting the outstanding balance ..to a fixed rate loan after draw period maturity. But there is an alternative. The next paragraph reads : Choose from the following options : ... or refinance your account with a new mortgage product with Union Bank by calling ( XXXX ) XXXX and choosing a new loan option from the main menu. Upon receiving the letter I immediately called the XXXX XXXX office of the Bank and informed them that I wished to close the account with the intention of effecting a transfer to a traditional fixed rate mortgage. I received an interest rate quote of XXXX per month from XXXX XXXX, a loan officer there.
However, probably by intention, the Bank failed to follow up the request with a Transfer Agreement ; despite several follow up calls.And when I contacted the Bank once again, in XX/XX/XXXX, inquiring if the Transfer had happened, I was told that it had not, and was quoted then an interest rate of XXXX per month. After a number of phone calls and strenuous objections, including a call from a lawyer, the quoted rate was reduced to XXXX per month on XX/XX/XXXX, when we received a call from Consumer Lending Service of the XXXX XXXX office of the Bank. We were informed that we had only 24 hours to sign a Fixed Rate Option Agreement that would be faxed to the XXXX XXXX office of the Bank. We immediately went to the office where we met with XXXX XXXX, a Vice President, who presented us with the Transfer Agreement. A week later we returned to sign the Agreement. XXXX induced us to sign by stating that it represented an agreement for a traditional mortgage ; the option that we had chosen. But we were provided no time to read the Agreement, or refer the Agreement to a lawyer, in the time slot allotted, and we therefore signed the Agreement. Significantly, we were not given our chosen option, required in the Bank 's Disclosures, although we made our intention clearly known to XXXX with several queries. He assured us that was what we were getting, a traditional mortgage.XXXX misrepresented the Agreement, and induced us to sign it by stating that, was fixed rate traditional mortgage. Nevertheless, the term period was allowed to expire by the Bank, without having transferred, until XX/XX/XXXX ; over which it added late penalties and incomplete payments for the next four months, plus a foreclosure notice because the Bank refused to exercise a direct deposit from the checking account ; accumulating thereby more negative amortization ; interest charges piled on interest. A HELOC, with onerous and biased contract conditions, had been imposed on the customers ; clearly fraud in the factum.
Furthermore, I saw on one of the ( now ) monthly three recent statements that a charge of {$600.00}, displayed in very small type, was levied to the account for an appraisal that never happened. Never took place nor required for the Transfer. To obscure matters, the two accounts added to the customers property, without notice and agreement, facilitates the illegal practice of chopping up payments for the purpose of manufacturing allegations of incomplete payments and for weighing late penalties.The three accounts are also useful in hiding the bits and pieces in order to discourage tracking the system. I call it Whack the Mole! Needless to say, it is not a legal American Accounting Standard.
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| 08/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2016, I entered into a Purchase and Sale Agreement ( PSA ) to purchase a home in XXXX. The PSA included a XXXX XXXX in the event that I was not able to secure financing to purchase the home. The PSA had an intended closing date of XX/XX/2016, and the PSA required a deposit of {$50000.00} of earnest money, which was deposited to an escrow account with XXXX. My application for a home loan from Union Bank was completed on XX/XX/2016. On that same day, I was given assurance from XXXX XXXX, Union Banks mortgage broker, that I have received the purchase contract and am aware of the finance addendum 22A. In the event that Union Bank can not provide a loan approval that meet your criteria then a formal denial will be issued so your earnest money will be fully refundable. ( 1 ).
It was subsequently discovered, at Union Banks own appraisal, that the property at issue had several problems, including an unventilated stove in the basement. As this is a known healthy and safety hazard, not to mention a violation of building code, Union Bank initially insisted that the basement kitchen meets code as part of its list of Approval Conditions ( 2 ) & ( 3 ). Unbeknownst to me, XXXX XXXX was also engaging in email conversations with the sellers agent ( 4 ) and then without explanation, on XX/XX/XXXX, XXXX XXXX claimed that the Banks underwriters had signed off on their previous conditions and that the loan was approved. When I asked for an explanation for the change in the Banks stance, I was not given one.
This matter was eventually escalated to Union Banks Customer Resolution Manger, XXXX XXXX. I was placed in limbo for about 2 weeks while the matter was being investigated and I had no idea whether or not my loan would be approved and whether or not I would be able to purchase the home. Finally, on XX/XX/XXXX, 3 days prior to the closing deadline, I was told that the bank had approved the loan, and closing paperwork was sent to escrow the following day, on XX/XX/XXXX.
During this period of limbo, I notified our insurance company, XXXX XXXX, of the known safety hazard in the homes basement kitchen. The XXXX XXXX underwriters made the decision that they could not offer insurance on the home, and I was notified of this decision on XX/XX/XXXX. I immediately notified Union Bank of XXXX XXXX decision, and XXXX XXXX informed me if the insurance company withdraws its coverage, we can not proceed with the loan ( 5 ). The morning of XX/XX/XXXX ( day of closing ), I spoke with my insurance agent at XXXX XXXX, who confirmed that the insurance binder would be pulled. He then spoke with XXXX XXXX personally to inform her of this change, and he confirmed this with me over the phone around XXXX and later that day via email ( 6 ). I notified XXXX of the change and that I would not be able to sign closing paperwork, however Union Bank did not follow through with its denial of the loan for several days. The bank was under an obligation to timely notify the escrow agent of the change and to have the closing paperwork pulled, as outlined in the conditions of the financing contingency in the PSA. Instead, XXXX XXXX went silent, apparently and inexplicably told XXXX to hold onto the loan documents ( 7 ), and continued to assert that the loan was approved into the following week, despite my having lost insurance on XX/XX/XXXX ; however, the Bank eventually issued a Statement of Credit Denial, Termination, or Change on XX/XX/XXXX ( 8 ).
Despite clear evidence that I was unable to achieve financing by the date of closing, XX/XX/2016 ( 9 ), and my meeting of the terms of the financing contingency in my PSA, Union Banks handling of my loan denial resulted in the loss of my earnest money. In the ensuring litigation between myself and the seller, the failure of Union Bank to timely notify XXXX of the loan denial and continued assertion that the loan was approved was pivotal in the decision against me, and resulted in my losing my earnest money, attorneys fees, and sellers attorneys fees. Union Bank is liable for these financial losses. Moreover, the Banks handling of this matter, from false promises to secret communication with the sellers agent, was inappropriate and immoral. The Bank was not looking out for the best interests of its customer but instead tried to push through a loan on a house with a known safety hazard. When I tried to advocate for my rights as a consumer, the Bank left me in limbo and then failed to follow through at the last minute, on day of closing. And when I tried to advocate for my earnest money in court, the Bank again abandoned me and refused to offer any supporting documents for my case and refused to take any liability for my losses.
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| 10/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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MUFG operating as UNION BANK has engaged in criminal misrepresentation across state lines,. Made false statements, Committed identity theft, violated privacy, laws, violated social security NUMBER use laws, breached fiduciary agreements and responsibilities and unlawfully converted personal assets of an XXXX year old account holder who has been an account holder for close to 50 years..
First fake claim was in the form of a levy. No chargeable documents furnished - when the fake claim was challenged A second equally fake claim was made in the form of a garnishment - again no legitimate chargeable documents were provided.
UNION BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Statement Number : XXXX XX/XX/XXXX - XX/XX/XXXX Thank you for banking with us since XXXX This is an unauthorized transaction - No details of this transaction have been provided.
Date Description/Location Reference Amount XX/XX/XXXX LEGAL PROCESS XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California [ XXXX ] XXXX XX/XX/XXXX Regarding what appears to be the deliberate intent of UNION BANK to commit a series of criminal acts My Dear Mr. XXXX, Thank you for your courtesy in documenting our recent conversation in response to my series of notices and complaints, offered in good faith, through various channels provided by UNION BANK. I also may take you up on your offer to provide you an additional opportunity to review this matter in greater detail in the very near future.
With no expertise in matters of the law, I can only render my opinions regarding the circumstances I am observing.
Just as an XXXX year old seniorand an American sovereign, even from my uneducated perspective, and just as a reasonable man, the process in which UNION BANK is threatening to imposewould seem to be a separate criminal act perpetrated, in this case, exclusively by UNION BANK.
The criminal fraud of the XXXX has already been properly documented and publicly noticed. So the encouragement by ALL UNION BANK staff, including in your letter, to which I am responding, Mr. XXXX, intending to encourage me to contact the XXXX would constitute a criminal act in itself.
As, XXXX, your own member of the Legal Process department admitted, such a contact is standard practice in such matters where the ignorance of the victim is exploited. It is well known by experienced people in these matters where such a contact initiated by the victim could be construed to become a hidden contract. A adhesion contract, I believe it is called, which could be used by the criminal enterprise to make additional false and misleading claims.
So, Mr. XXXX, on that basis alone your repeated efforts to convince me to contact the agency operating in dishonor, reveals to me the complicity of UNION BANK and the possible conspiracy along with the rest of the criminal abuses, to which I will provide more details further along in this matter to give false recognition to the criminal enterprise functioning in dishonor.
Now I have repeatedly provided, the BANK, in good faith, a means by which this matter may be easily and fairly resolved. However UNION BANK continues to operate in denial and leaves me with the impression that the agents employed by this internationally controlled enterprise, with whom I have interfaced, are operating with unclean hands.
So permit me to take this one last opportunity to express this caution, Mr. XXXX This response strongly urges UNION BANK to reconsider implementing the actions described in your letter.
I repeat for clarity I strongly urge UNION BANK and all individuals related to participating in what I must conclude is the aiding and abetting in these pending acts of fraud to proceed with extreme caution.
Once the line has been crossed and UNION BANK disburses the current funds on hold, funds placed in the care of UNION BANK, for safe keeping As I see the matter UNION BANK becomes part of the conspiracy to commit fraud.
Most Cordially, XXXX XXXX XXXX A sovereign American, A Californian And a State National.
My authority is vested in me by my creator and confirmed by Mr. Donald J. Trump.
***GLOBAL NOTICE*** Highest Administrative Authority in America Recognizes We the People, areSovereign!
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| 06/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We sought a conventional home loan and went with Union Bank as they offered the lowest interest rate and lowest origination fee. We have not had a loan with them before. We have excellent credit and could easily afford the loan. The trouble began at the very beginning. They could not get their online document signing system ( XXXX ) to work for us ( the system would not send us a text with our password ). We figured it would be ok to do the loan the old fashioned way and proceeded. Then, they requested that our credit be unlocked for 30 days. That seemed like an unreasonably long time, especially for someone who has been the victim of identity fraud, so we requested to be notified when our credit was pulled. No response from the lender. Shortly thereafter, we were requested to sign a form containing sensitive and personally identifying information. We obliged, but were requested to fill out and send the form a second time due to the form being " sent from the wrong email address ''.
There were some other hiccups along the way, but we did the best we could to get them all the information they needed in a timely manner. Then the first bomb hit. Our escrow was not going to close on time. The reason? We hadn't filled out a form. Apparently we did get an email containing the form we were supposed to sign ( on XX/XX/XXXX ; closing scheduled for XX/XX/XXXX ), but it looked like documents we had seen before. In addition, the document was in duplicate, but the form we needed to sign was not duplicated and only at the end of the second document. Also, the email body only stated to review the document. I suppose we should have read both the original form and the duplicate form. Then we would have seen the form at the very end. But who is going to read the same form twice? Especially if it only needs to be " reviewed ''? So shame on us for not " reviewing '' the document well enough, but they never followed up asking were the form was. Only after we had passed the original escrow closing date did they ask for the form.
The second bomb .... They tried to sneek in an additional {$200.00} on the final forms. All the forms they had sent us up to that point showed no points, as we requested. Only when we were with the notary and signing the final paperwork did we see the addition of {$200.00} for the purchase of 0.125 of a point. Yeah, its not that much money in context of the entire loan, but it was very dishonest. We had no warning, no explanation, no disclosure that we would be forced to buy points. Their explanation .... the 30 day rate lock had expired and we had to buy the points to keep the interest rate we were quoted. Why weren't we given options or at least notification prior to the points and charges appearing on our final documents? Upon my complaint, the loan originator said he sent a request to his manager to drop the fee. It was denied.
The third bomb ... .. At the eleventh hour, everything was signed and all we had to do was wire the money for the closing costs, and they would not accept the funds. Their reason ... .. the paperwork from the credit union hadn't been updated. This is absolutely absurd. We sent them everything they requested. I double checked what information was requested to be updated and the credit union info was not in that request, only the investment company info. When I inquired as to why the credit union documents hadn't been requested, he simply stated that the documents need to be within the last certain number of days for their system to accept it. I understood that, but again asked why the credit union documents weren't in the request. He stated that it was, pointing to the investment company info. I think he was confused because no matter how hard I tried to get him to understand that the credit union and the investment company were not the same ( they don't even have the same name! ), he couldn't seem to understand that.
This was absolutely the worst loan experience we have ever had ( we've had 4, and 2 refi 's so our sample size is not 1 ). I would NEVER recommend Union Bank to anyone. In fact, I am closing all of my checking/savings accounts with them because it was so horrible.
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| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, I refinanced the mortgage of a property I have owned since XXXX. The mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX , has since sold / transfer the loan to a new lender. During the time period the loan was with XXXX I never received a payment coupon. I sent the payment along with the original payment coupon I received at the close of escrow. At the end of XXXX I was expecting to receive a mortgage summary statement for XXXX. Starting in XX/XX/XXXX, I sent my monthly payment along with a written request for the XXXX mortgage summary statement, as I need this information for filing my XXXX income taxes. In XX/XX/XXXX I still had not received the XXXX mortgage summary statement, so I called the State of Oregon Dept of Consumer and Business Services and filed a complaint against XXXX ( File # XXXX ). XXXX XXXX, Compliance Specialist ( XXXX ) was assigned my file.
In a letter from XXXX dated XX/XX/XXXX notifying that the escrow account estimate amount was short.
In a letter dated XX/XX/XXXX from XXXX XXXX XXXX Senior VP acknowledging that they had error-ed in that they were sending documents to my street address, where I don't receive mail, when they had been give my correct mailing address. In the XX/XX/XXXX letter XXXX XXXX informs me that XXXX has transferred the servicing of my loan to MUFG Uion Bank, N.A. and provided a copy of the NOTICE OF SERVICING TRANSFER. The transfer is dated XX/XX/XXXX.
I have sent XXXX my payments for XXXX and XXXX as I had not been properly notified that the loan servicing had been transferred to MUFG Union Bank., or that there had been an increase in the escrow amount. In XXXX I received several calls from Union Bank staff XXXX ( XXXX ) stating that my mortgage was in default as they had not applied my received payments to the mortgage payments as they were short the addition {$14.00} amount do to the increased escrow estimate. I asked that XXXX with Union Bank send me a written account of the matter. On XX/XX/XXXX, I received the written account dated XX/XX/XXXX of the escrow shortage amount, along with a mortgage statement for XXXX 's payment dated XX/XX/XXXX. On XX/XX/XXXX I sent the payment of {$14.00} for the escrow shortage and a check for XXXX 's payment of {$620.00}.
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Union Bank Mortgage Assistance Group Staff XXXX XXXX XXXX XXXX ) Stating my mortgage payment is 31 days or more past due and that the loan is in default! I called Union Bank to speak with XXXX XXXX, XXXX was not available, and was asked if I would like to leave a message. I did, and briefly explained the short history of this loan from XX/XX/XXXX to present, and that I have own the subject property since XXXX and have never been late or behind on a payment until this situation was created by with XXXX and MUFG Union Bank. Since I have not received a call back from XXXX XXXX, I called XXXX XXXX, Compliance Specialist with the State of Oregon Dept of Consumer and Business Services. XXXX said MUFG Union Bank is regulated by the Federal Government and she could not help me here. XXXX provided the phone number for the Federal Compliance Office of the Comptroller of Currency ( XXXX ). I called and spoke with XXXX. I provided XXXX the brief short history of my issue and complaint. XXXX said she can provide me with the name ( XXXXXXXX XXXX ) and phone number ( XXXX ) of the VP of XXXX XXXX Bank, and the office of Consumer Finance Protection Bureau ( XXXX ).
On XX/XX/XXXX I call MUFG Union Bank VP XXXX XXXX. XXXX 's recorded message identified her as the President of Union Bank. XXXX was not available, her message ask that I leave a message, that she would return the call before the end of the day. I left XXXX the brief history of the situation that has been created by XXXX and MUFG Union Bank. Today is XX/XX/XXXX and I have not had a returned phone call from XXXX XXXX the President of Union Bank, or XXXX XXXX Union Bank Mortgage Assistance Group.
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| 08/04/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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CFPB XX/XX/2018 Subject : Financial Elder Abuse Definitions Elders should be cautious about entering into a banking relationship with Union Bank. After converting an equity account to a fixed mortgage that Bank is now trying to force us to accept, instead, a payback scheme that is contrary to the interests of seniors and more like a credit card debt. The call it a Fixed Option Plan, but it is so fraudulent and contrary to the interests of seniors that the corporate office itself does not consider it a bona fide product and does not advertise it. The problem is the XXXX XXXX branch of the bank which is rogue.
A mortgage involves two parties ; a trust deed involves three parties : a Borrower ( the Trustor ), a Lender ( the Beneficiary ), and the title company, escrow company, or bank ( Trustee ) that holds title to the lien for the benefit of the lender and whose sole function is to initiate and complete the foreclosure process at the request of the lender. When the Beneficiary and the Trustor are the same, the Bank is the beneficiary. In a foreclosure process the Bank will be both judge and jury. This encourages the Bank to be aggressive and reluctant to negotiate disputes ; they practice extortion as being more efficient.
A fixed rate option Plan can be either a trust deed or a mortgage ; but a mortgage is not a trust deed. It is always a mortgage. The equity loan was based on a Trust Deed. This places the Bank is a powerful position ; they attempt to exploit it by extending the trust deed relationship. Union will not only control the foreclosure process but benefit from the process! You are placed in a vulnerable position in relation to the Bank. the wolf comes dressed as a wolf.
After you terminate the equity account it is supposed to be converted to a traditional mortgage. However, you may receive statements titled, Fixed Rate Option on billing statements, Your Complaint will be ignored.The Bank may tell you that it is equivalent to a mortgage, but it is a false fact. The Union Bank lists all of the terms that it uses on its products on a Resource Center on its website. According to the Union Bank Glossary the term fixed rate mortgage is a traditional instrument used on a mortgage loan. But a product called Fixed Rate Option, which XXXX XXXX characterized as equivalent, is not even listed as a bonafide product. But they give no alternative if you have closed the Equity account.You are stuck. You are forced to sign.It is a fraudulent contract, signed under duress, the result of extortion. There is no other choice ; and a violation of truth in lending codes that regulate the MUFG Bank itself. A fraud on both the Bank and yourself. it is a fraudulent document that we have agreed to, under duress because there was not alternative. The XXXX XXXX XXXX knowingly engaged in the deceit and induced us to sign although it will place us in jeopardy. But they will fight you, ignore you, and laugh at you if you insist on the traditional mortgage, the valid product..
The term Fixed Rate Option, on a monthly statement title, simply an extension of the closed equity account, is something you never agreed to ; a false filing that the Union Bank corporate office does not consider a legal agreement. And while you were questioning, your account has somehow been morphed, by XXXX, into three accounts, with slightly different numbers, all variations of an equity account statement closed last year! You may never know how payments are allocated, or chopped up to create partial payments that generate penalties, interest and negative amortization ad infinitum. These misrepresentations are bared by California Financial Senior Abuse Codes 368, 484,482,115,487 ; 368 ( d ) and as well as Identity Theft, But apparently the Bank believes that it has impunity because the phony contract has an arbitration clause. They should understand that these are penal codes, crimes against the State, with damages and remission.
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| 10/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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I completed an application to refinance my home in XX/XX/XXXX with Union Bank. I worked with XXXX XXXX in Arizona who was unprofessional during the process.
I originally requested a loan to reduce my mortgage payment but switched to a cash out loan. I was provided an estimate of the closing cost for the original loan but not when I requested the cash out loan. I was told by XXXX that no additional fees would be charged to me if I switched loans. The closing estimate for the cash out loan was sent via email on union bank secured website which I was unable to obtain. I spoke with XXXX XXXX manager XX/XX/XXXX as I was complaining about additional documents requested that I felt were not necessary. During this call I requested the estimate be sent to me for my review. XXXX stated that XXXX would email the estimate. When XXXX called me the same day he told me that he could not provide the estimate as it needed to be updated. Based on the treatment received from XXXX I felt something was n't right. I requested the estimate again the day before my closing docs were sent for signing around XX/XX/XXXX. I never received the requested docs. The next day I received a call from the title company to sign the docs. I requested the estimate from the title company at that time. I was charged additional fees of {$700.00} that I was not aware of. I contacted XXXX to discuss the issue and was unable to resolve the issue. I requested his managers contact information and he refused to provide the information. XXXX insisted on disconnecting the call. I had to contact the title company to receive XXXX manager number- XXXX XXXX .
I complained to XXXX XXXX about the treatment and information received about fees. XXXX stated that he would review the calls and contact me within 24 hours. XXXX verified that XXXX told me no additional fees would be charged and verified XXXX unprofessionalism. I requested that the {$700.00} fee be removed as I was not aware and I never received an estimate. XXXX worked diligently to have the fee removed. The fee was removed and all docs were updated XXXX/XXXX/16 for my signature.
At this point I was close to the expiration of my rate lock. I was told that I needed to sign asap to avoid additional fees {$650.00}. I signed at XXXX at my home on XXXX/XXXX/16 on my fiancs birthday to avoid the fees. I had an FHA loan which requires payment no later than the first to avoid the full month interest and PMI fee. My loan was funded on XXXX/XXXX/16. I was charged {$490.00} interest and {$52.00} PMI in XXXX by XXXX. I thought that I would be okay since we signed in XX/XX/XXXX. My first payment is due XXXX XXXX to union bank. I am very upset because I did not get a chance to skip a mortgage payment which I looked forward to. I was charged by XXXX in XX/XX/XXXX and now I need to make a payment to union bank in XX/XX/XXXX. I advised XXXX of the situation but he was unable to assist. I requested if my first payment could be due in XX/XX/XXXX and I was told no. I have loss money due to the union bank employee. I was unable to sign timely due to additional fees I was unaware of. It took additional time for XXXX XXXX to resolve the issue which delayed signing. Had I been aware at the beginning of XXXX when I requested the estimate this issue would have been avoided. I did not have an issue with signing in XX/XX/XXXX but I was told that I would receive additional fees so I signed. This was outside my control.
I would have loss money either way due to XXXX and his unprofessionalism. I could have signed in XX/XX/XXXX and received lock rate fees of {$650.00} and made my first payment in XXXX. I could have signed timely when the docs were sent originally and paid an additional {$700.00}. I signed in XX/XX/XXXX and avoided the {$700.00} fee but was charged {$490.00} & {$52.00} by XXXX in XX/XX/XXXX and in essence did not skip a payment.
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| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXX, I visited a Union Bank ( MUFG Union Bank, N.A ) branch in XXXX XXXX, CA. This was a new branch that had recently opened nearby to where I was working at the time. I was growing dissatisfied with XXXX XXXX ( my main financial institution over the last 15 years ) over some new fees they were charging me so I had been shopping around, trying various other banks in the area ( and one or two online ) looking for a product that suited my needs. Union Bank fit the bill due to this XXXX XXXX branch being near to my work and having another branch not far from my home. When I opened the account, the banker told me about a current promotion they were running, awarding a {$200.00} bonus for opening a new checking account at that branch [ please see page 1 of the attached PDF. ] Pleasantly surprised at my luck, I found out the details and we opened the account. The promotion stipulated that the account must receive a direct deposit of greater than {$250.00} or make five debit card purchases or payments. After opening the account, I had my employer change my direct deposit to the Union Bank checking account and a deposit of {$250.00} was made on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter [ see page 2 of the attached PDF ] on Union Bank letterhead from the Deposit Fraud Department of a company called XXXX XXXX XXXX, a " member '' of MUFG ( the global financial group that Union Bank, N.A. is a subsidiary of ) stating that they would be closing my account in one week ( XX/XX/XXXX ) due to information they received from XXXX ( they did not specify what information exactly ) and that my funds on deposit would be mailed to me in the form of a cashier 's check no later than five business days after the date of closure. I called the number listed in the letter ( XXXX ) to inform this Deposit Fraud Department that there was no fraud, that it was indeed me that opened this account and to see what information they needed to verify that fact so that it could be reopened right away. The phone was answered by a fairly rude customer service representative. He informed me that the department 's decision to close the account was not due to suspected fraud as I had concluded after reading the letter, but due to the fact that I had opened two checking accounts in the two weeks following opening the account with Union Bank. I informed him that I was not fully satisfied with Union Bank and that I was in the process of trialling a few new banks after having banked with XXXX for so long. I do not recall precisely whether he asked me to elaborate on why I was not fully satisfied with Union Bank but specifically I had problems with Union Bank 's policy of charging fees on transfers to external financial institutions, their slow ACH transfer time and their relatively low monthly and daily limits on these transfers, not to mention the monthly checking account fee. None of this mattered ; apparently Union Bank 's decision was final. The representative could not speculate as to whether I was " banned for life '' or not. I asked because I was finding it hard to believe what was happening as nowhere in their disclosures or terms and conditions was it stipulated that Union Bank a jealous lover that would close your account if it caught you fooling around with another suitor. I found the whole conversation with the representative from the Deposit Fraud Department to be absurd in the end. This is America after all, and in America the consumer enjoys the right of free trade, the freedom to choose whom he or she decides to do business with. Union Bank 's policy seems anti-business and anti-America for that matter. If they are so worried about what other banks a customer may be doing business with, perhaps they should focus on improving their products instead so that their customers do n't have good reasons to look elsewhere.
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| 06/11/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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XX/XX/XXXX my purse was stolen in the XXXX, they stole my wallet ( debit cards, credit cards, check book, medical cards, XXXX sets of car keys, cash, etc ). I had to close all of my accounts transfer money, deactivate cards, the whole XXXX yards. My main financial institution is Union Bank of CA, I have been banking with them since XX/XX/XXXX. I can honestly say in addition to my purse getting stolen Union Bank added to my stress with their lack of customer service and concern for me as a customer, and not to mention me still not getting the money that was stolen from my account. I went into the bank sunday afternoon on XXXX XXXX XXXX located in XXXX, CA to open a new account. Prior to my funds being stolen I had XXXX in my checking account and XXXX in my savings. I had XXXX fraudulent charges totaling XXXX which left my checking account at a balance on XXXX and my savings at a balance of XXXX. Because of the fraud I transferred the XXXX to my savings leaving me with a balance of XXXX ( checking and savings total ) and some change. I opened my new checking account on Sunday the XXXX, me and the teller XXXX transferred the XXXX ( available checking ) to my new checking and took out XXXX cash which left me with XXXX ( new checking account ) and still kept the balance on XXXX in my savings. Mind you the XXXX was already stolen so all of this money still is n't accounted for and I 'm still short {$100.00} from bills. After I left the teller I look at my bank account XX/XX/XXXX and see a balance of XXXX in my checking including a credit from XXXX and a deduction from XXXX XXXX and an overdraft of XXXX in my savings and XXXX in my new checking account. So the next step I took was going back up to the bank, I talked with the manager XXXX and he himself was also confused because of what transpired on my account. XXXX proceeded to make sense of my account and turned my savings from a negative to a positive, with the XXXX balance that was available to me at the time. From him doing this that left me with XXXX ( savings ) and XXXX in my checking account because a check was deducted for XXXX. After doing all of this it left my fraud checking account at a XXXX balance because the payments that were pending from fraud had n't posted to my account yet. Fast forward to Thursday I submitted all proper paper work to Union Bank because my claim was over XXXX and XXXX advised me that I would be in contact with the Claims dept. I called and talked with the Claims department and they advised me that I would receive a provisional credit to cover the amount that was overdraft from the fraud charges. Mind you I as a customer am also still at a loss of the XXXX myself, I still have yet to touch the money and no balances have yet credited my new account in the money that was lost to me as a customer. All the claims department did was give union bank money back to their own account to wash out my fraud checking and leave it at a XXXX balance! It is now XXXX XXXX, I 've called the claims department, talked to reps with regular customer service, I 've talked with the supervisor at XXXX bank, and even talked to the rep who opened my account and I have gotten pushed to another department or I 've gotten told I was wrong with out anyone fully putting themselves in my shoes to listen to what I feel is wrong with my account. I have been a customer since XX/XX/XXXX and I am highly dissapointed with Union Bank as a consumer and with the poor customer service they offer their customers. I have been talked over XXXX to many times and I am fed up with no one fully listening to what I have to say before they jump to a conclusion based off of what they see off of a computer screen, and after I get my accounts settled I will no longer be a customer with Union Bank!
|
| 11/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Consumer Complaint against XXXX XXXX, Manager of Union Bank, XXXX XXXX XXXX XXXX XXXX, California and my Private Banker, XXXX XXXX.
XXXX XXXX purposely bounced my {$230000.00} check despite assurances that he will not bounce it due to the fact that I followed his instructions to be at the bank by XXXX XXXX to transfer funds from my Union bank accounts.
While at the bank, I personally called him to let him know that I was at the bank and the funds are currently being transferred and made good. He acknowledged it. After depositing and taking care of the situation, I called XXXX XXXX to report the incident and he said as long as all is well, I should just call him directly. I informed him that everytime I call him, he does not returns the calls or he will call after a week or so when " the horse is dead ''. Anyway, all was well, at least, for that time only. I talked with the XXXX Manger of that bank as well, XXXX XXXX, who sat down with me and checked him computer and also assured me that the funds were in my account and the check is good.
The next day, sure enough, the check they all assured me was good, BOUNCED. XXXX negligently bounced my check. It cancelled the deal that I was doing at the time, causing me serious damage.
I called XXXX and informed him of the situation. He refused to help. I reminded him that he assured me the day before of his assistance in case of a problem. He again said he did not want to get involved. I insisted that he was involved. Nevertheless, my efforts were fruitless and he proceeded to deny involvement. I told him I was going to report both him and XXXX to their respective Directors. At any rate, I had no choice but to simply asked him to call XXXX to ask him to call me to straighten out the problem. To this day, XXXX XXXX, Monday, XXXX has not bothered to call me.
I called the Private Bank instead. I reported the incident to XXXX XXXX who was initially very helpful, offered to replace the BOUNCED check with a Union Bank cashier 's check. I asked for an apology letter from XXXX XXXX. I was blatantly refused. They claim it was not a bank error when it fact it IS a bank error, through the negligence, indifference & incompetence of XXXX XXXX XXXX advised me that she will report this to my Private Banker, XXXX XXXX , who called me and instead of solving the problem, made it extremely WORST. He not only covered up for XXXX XXXX, he outright verbally rudely told me that it was time for me to get out of Union Bank and go to another bank.
He followed his verbal insult with a crude, unprofessional letter dated XXXX XXXX, 2016, through XXXX XXXX XXXX XXXX mail from Union Bank XXXX XXXX XXXX, Ca XXXX.
He specifically told me in the letter that he closed my XXXX XXXX XXXX XXXX and checking accounts on XXXX XXXX, 2016. He emphasized that I can no longer make ( deposits nor withdrawals ) debits and credits and whatever I did will be marked as " account closed ''. He did all this without my permission, express or implied and Union Bank is holding my funds hostage. I was trying to reach XXXX XXXX who promised to issue a Union Bank Cashier 's check and an apology letter but after speaking with XXXX XXXX, refused to speak with me when I repeatedly called, nor return my calls or act as a Private Banker customer service representative for my best interest. Through his acts of omission and commission, he is liable for all that I lost in respect to this check that XXXX bounced and his inability to act on my best interest as my Private Banker. He is liable and whoever supports his closure of my accounts and refusal to abide by my rights is also liable as well. XXXX XXXX has caused irreversible damage to me and the last 4 years, my funds have been left with severe loss..
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| 01/12/2017 |
Yes |
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- Settlement process and costs
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Web |
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Consumer Financial Protection Bureau XX/XX/XXXX XXXX -- -Office of the Comptroller of the Currency -- -XXXX, Texas XXXX XXXX Fax # ( XXXX ) XXXX XXXX : Office Of The Comptroller Of The Currency Administrator Of National Banks : Comptroller of the Currency Complaint-Case # XXXX. Questions asked of the Comptroller of the Currency Complaint-Case # XXXX on XX/XX/XXXX unanswered! RE : FDIC | Office of the Ombudsman XX/XX/XXXX Response. Office of Inspector General ( OIG ) of the Board of Governors of the Federal Reserve System ( Board ) and Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXX response. Comptroller of the Currency Case # XXXX letter XX/XX/XXXX : Emails to XXXX District Attorney XXXX XX/XX/XXXX and XX/XX/XXXX below : Union Bank has not responded to the XX/XX/XXXX email below : I am again asking the Comptroller of the Currency Case # XXXX for a current ( SBA Loan Transaction History ) from Union Bank with Union Banks XX/XX/XXXX Payment Notice against Union Banks XX/XX/XXXX IRS XXXX that Union Bank provided to the IRS? Union Bank has fraudulently on XX/XX/XXXX created a XX/XX/XXXX IRS XXXX accounting known to the OCC, that Union Bank never provided to the Internal Revenue Service or amended any IRS XXXX Accounting back to XX/XX/XXXX known to the OCC. What is the Office of the Comptroller of the Currency opinion with Union Bank committing this kind of Fraud?
What is the Office of the Comptroller of the Currency opinion with Union Bank not providing their second set of books to the Internal Revenue Service?
1 ) I am again asking the Comptroller of the Currency Administrator of National Banks Case # XXXX for an itemized accounting of Union Banks {$57000.00} charged in Attorney Fees per OCC Case # XXXX Case # XXXX Case # XXXX? Seen at www.officeofthecomptrollerofthecurrency.com 2 ) I am again asking the Comptroller of the Currency Administrator of National Banks Case # XXXX for an itemized accounting of Union Banks claimed pre-petition ( Proof of Claim ) showing {$57000.00} in Attorney Fees per Union Banks XX/XX/XXXX letter?
3 ) I am again asking the Comptroller of the Currency Administrator of National Banks Case # XXXX for an accounting of how Union Bank can take SBA PLP Loan # XXXX Loaned money and pay Union Bank Attorney Fees of {$57000.00}? With Union Banks two sets of Books known to the OCC as seen at www.officeofthecomptrollerofthecurrency.com 4 ) I am again asking the Comptroller of the Currency Administrator of National Banks Case # XXXX as to where Union Bank shows themselves being owed {$45000.00} on XX/XX/XXXX in Union Banks Online accounting showing Union Bank having two sets of Books. known to the OCC as seen at www.officeofthecomptrollerofthecurrency.com In a loan transaction history Union Bank will be able to Show the OCC how this money was accounted for!
5 ) I am again asking the Comptroller of the Currency Administrator of National Banks Case # XXXX for an itemized accounting of Union Banks XX/XX/XXXX IRS XXXX Form if it is different then, the one filed by Union Bank to the IRS in XX/XX/XXXX? Union Bank on XX/XX/XXXX claimed to have changed this IRS XXXX Form with the IRS, that was never provided to the IRS or changed by Union Bank again showing Union Banks two sets of Banking records, known to the OCC at www.officeofthecomptrollerofthecurrency.com.
6 ) I am again asking the Comptroller of the Currency Administrator of National Banks for an itemized accounting of Union Banks Forbearance Agreement Rescission changes made to the IRS going back to XX/XX/XXXX as the IRS has no accounting of Union Banks XX/XX/XXXX Rescission! This is IRS Fraud by Union Bank that is made public at www.officeofthecomptrollerof
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| 09/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XXXX XXXX, XXXX, XXXX XXXX responded to Case # XXXX, which was in itself a complaint filed in response to XXXX XXXX XXXX response to Case # XXXX.
Once again, XXXX XXXX obfuscates and misrepresents to the Consumer Financial Protection Bureau so egregiously that it is clear that the Consumer Financial Protection Bureau should take civil and criminal action against XXXX XXXX
1 ) XXXX XXXX purports to never have heard the term " force posted. '' Force posting is when a merchant is able to post a charge to an account WITHOUT RECEIVING normal computer authorization from a bank. XXXX XXXX XXXX own records would reflect that no authorization code was ever given to XXXX XXXX to charge my account.
2 ) XXXX XXXX puts forth the statement that somehow I am responsible for overdrawing my account by withdrawing {$1500.00} that was in the account?!? If that withdrawal had overdrawn the account I would not have been able to withdraw the money?!? Then XXXX XXXX further puts forth the statement that somehow the charges from XXXX, for which there was no authorization, AND WHICH CAME IN AFTER I HAD WITHDRAWN THE {$1500.00}, are somehow not responsible for the fact the account was overdrawn?!?
3 ) XXXX XXXX attempts to cover up its blatant violation of rules regarding overdrafts and the fact they must be authorized by a customer by putting forth the bizarre scenario that apparently there were authorizations -- of which there were not -- lurking somewhere that only appeared after I had withdrawn {$1500.00}. XXXX XXXX can present no evidence that there were legal authorizations because there were no legal authorizations.
4 ) But even if we were not talking about force postings, XXXX XXXX, in its response, highlights yet another example of why I am not liable. XXXX XXXX puts for the entirely irrelevant and misleading statement " Once a Debit Card is used to pay for good or services and the merchant asks us to authorize the transaction in advance, we commit to paying the merchant and may immediately place a temporary hold on your account for the amount requested by the merchant. '' I suppose that would be relevant if I had purchased something from XXXX XXXX with my XXXX XXXX debit card. But because I NEVER HAVE PURCHASED ANYTHING FROM XXXX XXXX WITH MY XXXX XXXX CARD IN MY LIFE it is beyond bizarre for XXXX XXXX to even put forth this statement, although, as indicated, what it actually does is provides yet another clear example of why I am not in any way liable for XXXX XXXX allowing XXXX XXXX to withdrawal money from the account. And it also thus must be pointed out that the clear responsibility, legal and otherwise, to pursue criminal action against XXXX XXXX rests with XXXX XXXX, not me. I am simply a witness and perhaps secondary victim. XXXX XXXX does not get to attempt to shield its own involvement in this matter, and well as perpetuate to the Consumer Financial Protection Bureau an illusion, by trying to shift to me responsibility.
5 ) At this point it is nothing short of civil and criminal fraud for XXXX XXXX to put forth to the Consumer Financial Protection Bureau that I owe XXXX XXXX {$190.00} and that I should contact XXXX XXXX to make payment arrangements. This is akin to a business allowing a burglar to break into your house and then having the audacity to ask you for costs the business may have been stuck with in the process of allowing the burglar to break into your house.
XXXX XXXX XXXX fraudulent behavior and misrepresentation to the Consumer Financial Protection Bureau should be sanctioned in the strongest possible manner by the Consumer Financial Protection Bureau.
|
| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
|
XX/XX/XXXX Seniors, if you want to feel safe and your assets secure do not get involved with the Union Bank. In XXXX of this year, I received a letter from XXXX XXXX, in the XXXX XXXX office, that they had converted my equity account to a Fixed Mortgage account, as requested. with fully amortized principal and interest payment, first payment due on XX/XX/XXXX. I didn't, make a mortgage payment in XXXX, as instructed ; but I immediately receiving arrears dues and penalties notices ; but that was just the beginning.
It took about six months to resolve the billing issues. But recently, the Bank resurrected that closed equity account, claiming that that the fixed mortgage account is similar enough to the equity account so that the old equity account conditions were applicable, so the Bank removed the advantage of civil and judicial protections of a traditional mortgage ; and now receive statements on any one of three dysfunctional fictional accounts for just the single property. The Bank refuses to correct the billing. How shall I pay the mortgage? Shall I refuse to pay to a fixed option account, a recent invention of the XXXX XXXX office, which is not even listed in the Banks own glossary of products and services?
The lack of precise rules as to the treatment of routine transactions leads us to continue to express doubts as to the accuracy and meaning of the Banks statements. Although auditing standards require that the principles must be consistently applied from month to month, the Bank can not justify three accounts for my property, one of which is supposed to represent the fixed mortgage, but is never sent out to us. Each bears a different number, under the control of the Bank ; established without Notice and Agreement to the customers.
When the Bank initiated the equity account, the transfer of the balance to a fixed rate account after a ten years period, was misrepresented to us as a fixed rate mortgage. The Bank made a material misrepresentation, intended to induce reliance of a material fact, which was in fact relied upon to our detriment. Equity account loan agreements are now considered toxic, and the government has pursued actions to mitigate the effects. On our part we understand now that all three of the false accounts in our names may be used for false entries ; a symptom of financial elder abuse. After seven months of psychological warfare, enduring threats, harassment, and extortion by false foreclosure from the Bank ; as of XXXX, the Bank rolled back the accounting to XX/XX/XXXX, when the account was formally closed, while it made a number of corrections.
Customers accounts may be manipulated by having arriving payments chopped up in pieces, what the Bank mistakenly calls segmenting, which is actually how large and complex businesses arrive at a comprehensive picture of a complex organization. But practiced by the Bank it is actually a consumer fraud whereby deposits are split into numerous pieces, then placed in fictitious accounts. The customer is then penalized for partial payment resulting in negative amortization, charged to the customer. Although the targeted account has lost its utility to the customer.
We have asked the Bank, from a form book, choose a Fixed Rate Mortgage account and give it a unique number, representing just one account, It would be appropriate, equitable and resolve all issues. The Bank does not reply
|
| 08/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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New complaint, but reference the following. This is a follow up to initial complaint : XXXX MUFG Union Bank, has retain my reimbursement from my safety deposit box in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On or about the the last of XXXX, I went into the branch and closed my safety deposit box, and retrieved my personal documents. The person who handled my request and after extensive delays finally proceeded to closed my account, she said that she would be sending a check for about 100 dollars or so. Either crediting my account ( that is now closed or sending me a check ). None of this took place, it's obvious for them that this involves work and they tend to do the easy way out and send it to the state of california as an escheatment process instead of putting the check in the mail. Just laziness from them. They have no excuse to put the check in the mail. Just plain laziness.
https : //www.sec.gov/XXXX Yesterday I received the response from my other complaint to UBOC where they willfully knowingly stated that all funds that where owed to me had been sent to me and they attached a copy of the cashier check that they send only after I file a complaint here with the CFPB. and also omitted answering other issues : Once I again Im force to file another complaint against them to do their job and return my funds.
I trusted their goodwill ( UBOC ) and left a voicemail message with XXXX XXXX at XXXX XXXX XXXX at the Office of the President at or around XXXX XXXX this morning, explaining the situation of the unresolved issue of the funds owed to me from my safety deposit box. I left a phone number for her to reach out to me. and as today late Friday XXXX XXXX she never called me back.
This is probably another form of retaliation from UBOC to withhold my funds, and tell the CFPB that all the funds owed to me have been given, enclosing a copy of a cashier check for XXXX that they withheld for almost 2 weeks. Against banking law to hold cash deposits for only 24 hours, And auto exonerate themselves when in fact they withheld the fact that they still owed about 100 to 90.00 dollars to me. Is lying the CFPB acceptable?, is a question that comes to mind. In their response to complaint XXXX they state that all funds owed to me have been return. Lying to the CFPB no again no doubt. The fact that they owed me the funds from my closed locked box that I paid them them yearly fees, closed it a month later or so, because they closed my accounts after 20 years they then proceed and keep the funds from my safety deposit box and act as if they don't know where to reach me or send me the check in the mail a standard operating procedure at UBOC?. Are these acceptable banking practices?, Is a valid question to ask.
For UBOC is easier and it appears that they enjoy to do the paperwork and send the money to the State of California, and force the customer to go through the bureaucracy of putting the customer through another bureaucratic process to recoup funds from the state of california, when it would be more easy and more expedite just to put the check in the mail to the customer. In this case me.
I hoped that CFPB helps me recover the funds, owed to me from my safety deposit box closure, and also for the CFPB to take note that on their response from complain XXXX they lied when they said that all funds owed to me had been return.
Regards,
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Hi, thank you for taking your time with us. Every year by XXXX Union Bank will send out an " Important Hazard Insurance Notice '' letter. That letter will say, " If the renewal policy is not received within 45 days after the expiration date, XXXX Union Bank, N.A. is required to purchase " force placed '' coverage for you. '' This year XXXX we received another letter the same letter to inform us that insurance of XXXX we bought is going to expire. They knew we bought insurance every year before time but Union Bank charged anyway using the term " force placed '' coverage {$790.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
It started on XXXX/XXXX/XXXX I had my son 's name to purchase and to apply for the mortgage around XXXX XXXX with Guilt Mortgage under XXXX XXXX XXXX. He collected all XXXX different type of documents, from acknowledgement of receipt of regulatory compliance info to credit card authorization to pay property appraisal fee on XXXX/XXXX/XXXX. My son signed for XXXX Mortgage to do their Good Faith Estimate. We have the copies. We also advised and paid for XXXX XXXX insurance for XX/XX/XXXX. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX used XXXX XXXX XXXX, XXXX in XXXX location. My son received Union Bank document a week before closing to fill out more information. We thought that was a bank working with XXXX XXXX. This property was approved on closing dated XXXX/XXXX/XXXX from an email that we had received from XXXX XXXX. Later on, closing date changed, the Realtor told us to go to the closing on XXXX/XXXX/XXXX, to XXXX XXXX XXXX office in XXXX and she provided an address. So my son went into to the title company alone to sign the closing document. We celebrated without any concerns. We did received a first leading customer service letter from Union Bank after XXXX/XXXX/XXXX. We continue to pay Union Bank that we thought that was a third party something from XXXX XXXX for a while.
The mortgage was listed {$160000.00}. The mortgage ended up a loan of {$150000.00} after we paid for all costs in that closing but did not realized Union Bank already charged " force placed '' insurance coverage & XXXX on XX/XX/XXXX. First payment was on XXXX/XXXX/XXXX amount of {$990.00}. ( Principal & interest {$740.00}, property taxes {$170.00}, and insurance {$64.00} ). We are paying {$1000.00} per month and continue.
Union Bank denying that we paid for insurance every year. We bought insurance before the closing with XXXX XXXX. We bought second and the third year insurance and told XXXX insurance send info to Union Bank. Also for the third year insurance document I walked in and handed to Union Bank in XXXX XXXX location on XXXX/XXXX/XXXX. They gave me a confirmation faxed copy. The mortgage did went up to {$1000.00} by XXXX/XXXX/XXXX again with a charged of " force placed '' coverage {$790.00} of the insurance coverage.
I tried to talk and sent a letter to Union Bank with questions since XXXX XXXX this year but they ignored my request. Union Bank sent us a notification of purchased on XXXX XXXX that my son 's property of {$150000.00} was sold to XXXX XXXX on XXXX/XXXX/XXXX. We are very confuse and sad. Union Bank is doing absolutely wrong to made us to pay double insurance coverage for 3 years, and continue ignore us as their customer. Please help! XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WA XXXX.
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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22 years ago my brother XXXX XXXX, an XXXX for the XXXX XXXX XXXX XXXX was XXXX in the line of duty and my mother was his beneficiary/dependant, she received the life insurance money, I took my mother back then to the Union Bank branch in XXXX XXXX and we talked to XXXX XXXX XXXX, a financial advisor for Union Bank. She recommended to open a investment account, my mom did it and since then the only contact at Union Bank has been her.
My mother XXXX 2 years ago on XX/XX/XXXX. She had an investments plan through Union Bank in a Bank in XXXX XXXX XXXX of XXXX XXXX No XXXX, we are XXXX siblings beneficiaries that filed the corresponding claims and documentation to receive the funds of the investment plan.
The bank in XXXX communicates ONLY with Union Bank financial advisors, then, all documents were sent to our financial advisor in Union Bank. Unfortunately the same day that the last requested document was sent our financial advisor, she suffered an accident and since then she has being on medical leave. I called several times to request information about our claim and all employees were redirecting me in different directions, after many days finally the claims and documents were sent to XXXX and finally on XX/XX/XXXX the funds were released and wired to all beneficiaries according to Union Bank.
XXXX of us ( beneficiaries ) received the funds and XXXX did n't, all information was checked and approved by both banks, but the funds have n't been received.
A big problem is that Union Bank financial advisors are the only ones that can request information to track the funds and wires, and given that our financial advisor is on medical leave they have n't helped us to locate the funds.
I have called many times, most of the times my messages were ignored, rarely someone picks the phone, I was told more than once that I had to wait until our financial advisor comes back because she is the only one that knows what to do.
My siblings and I are desperate with the lack of customer service and personnel from the bank. How is possible that in the whole Union Bank only one person can help us? Our case is pathetic because our only helper is on medical leave.
After I filed a complaint with the Better Business Bureau, XXXX XXXX XXXX called me, she identified herself as the assistant of the Union Bank President, she apologized for the situation and promised that she was going to oversee and help us solve the problem, she has called me about three times since then, but she did n't provide any new information. She always has expressed every time that Union Bank is only the intermediary bank and is limited in what they can do.
Today XX/XX/XXXX XXXX XXXX returned my called to give me a reference number XXXX and the name XXXX XXXX from XXXX, I asked her what that information was for and she told me that she did n't know, when I asked her what should I do she said that she did n't know, I asked her where the money was and she did n't know, finally she said that she was sorry but that Union Bank can not do anymore for us, I asked about the XXXX dollars and she said that she was sorry but she could n't help us any more and that with that Union Bank was closing out case without giving us a solution to our problem.
|
| 03/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
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Web |
|
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Dear CFPB, I tried to file a " dispute '' for " bank partially addressed my issue '' yesterday, XX/XX/2016, but the " submit '' button on your web site just whirred around, and my " dispute '' was not submitted to your site.
The bank president was kind enough to reply to my original CFPB complaint, & I do appreciate his letter & calls. However, I am at my wit 's end, because I have not had a debit card that actually works for five weeks now. The bank originally sent me a " chip & pin '' bank card XX/XX/XXXX ; however, I have had one problem after another with it. I was reassured on XX/XX/XXXX by the bank 's customer service center in XXXX XXXX that a brand new chip & pin card " with the correct expiration date '' of " XX/XX/XXXX '' was mailed to me " on XX/XX/XXXX from XXXX. '' However, it is now XX/XX/XXXX, & I never received the corrected bank card. I asked the bank today for their XXXX address, so that I could put a tracer on the lost mailing/lost card with the U.S. Postal Service. I was told by XXXX XXXX, " they do not have any of the addresses for their card processors. '' The bank has given me XXXX different expiration dates for my debit card in a month 's time : " XX/XX/XXXX, '' " XX/XX/XXXX, '' & " XX/XX/XXXX. '' An employee at the XXXX XXXX, XXXX bank branch confirmed that " XXXX '' is the correct expiration date showing in their computer system. However, my physical debit card reads, " expiration XX/XX/XXXX. '' The bank president left a message for me on XX/XX/2016, saying there was a pin problem with my chip & pin card, & that the problem had been corrected in the bank 's system. However, my card was denied, once again, by a local merchant on XX/XX/2016, " due to a pin problem. '' I called XXXX XXXX again, & they said, " yes, there is still a pin problem with your card. '' Since I never received the corrected chip & pin card, the bank is mailing yet another new, corrected debit card to me. However, the bank said today I would not receive the card for about 7 days, which means next week.
In addition, there is yet another problem with my chip & pin card : the bank changed my card number on the physical card that they just mailed to me, but they will not give me the new card number over the phone.
So, I have no idea what my new account/card number is, & I can not give that number out to any of my automatic deduction companies or to any merchants. I was told by a supervisor at the XXXX XXXX customer service center tonight, " we are not allowed to give out any card numbers over the phone. '' This is even though : my full name was showing on the caller ID, I provided all account information including pin, I provided my date of birth, & I provided my mother 's maiden name. I talked to XXXX different bank employees today, but none of them were allowed to give me the new bank card number " for security reasons. '' I need a bank card that actually works " ASAP. '' It is not safe in this area to run around with wads of cash ; for example, I purchase all prescriptions for my mom, & some of her prescriptions are expensive. Adding to my dilemma : some local merchants in this area no longer accept checks.
|
| 06/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
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I applied for a refinance on our home at XXXX XXXX XXXX, XXXX, XXXX, XXXX, on XXXX2016. My bank agent and I filled out the paper work to refinance and remove money from our equity. He said, he did n't think there was a chance unless there were some changes in our income.We went over the changes that had occurred over the last few years but, there was n't enough income, coming in with a five year expiration date. I needed to take out funds to help our daughter and her family with a stupid mistake they made, forgetting to worry more about their credit cards, then helping their children grow up with everything their hearts desire, including themselves.They were taught better but " life '' takes over. They are paying 25 % and better on their cards as they never thought this could happen when they were taught the right way to handle finances.We would set up a loan with them including interest but still they would be able to make the payments.Our bank agent sent in our app anyway to see if there was something they could do to help this go through ... .They decided, even though I have a recorder over 20 years of credit card action without a late fee, the processor decided to close my accounts by calling each bank and paying off the cards. My bank agent sat with me doing this and removing monies needed to get a XXXX balance. It took hours. Normally, we pay directly from our checking account and I do n't have to carry cash around since I am XXXX XXXX XXXX and feel unsafe. This in itself was a terrible hardship. After always using my cards, I was not able to. While they were trying to work with their boss the processor requested {$550.00}. from my checking account which he withdrew with my approval as I understood he was trying to help facilitate the timing if we could get the appraisal taken care of. The processor kept trying to talk to his boss but I got no return calls, no e-mails while they were trying to make the loan work ... No escrow was even opened. The appraisal was done and I got the report which valued our home above the value I set on the application. The appraiser said we should have no problem with the equity we have already in our mortgage.I wo n't go into the waiting, anxiety and stress for what we were trying to do was costing our children thousands of dollars in interest only.
I wrote them a letter asking for the $ XXXX..Since this was taken from me there was no escrow open or pre-approval of any loan. They answered my letter by sending me a form they filled out and dated back in XXXX for me to sign and return immediately The form was " Intent to Proceed/Application fee notice. Since it was already XXXX they decided to transfer my complaint to their Customer Advocate and after going over all again with XXXX customer advocates they decided they needed to take their report to their superiors and it all came back No Return ... .I finally took the amount out of our retirement savings, which were stocks that we did list as assets, in order to stop the high interest our children were paying each month making no heading way with their debt and us making no headway with the bank.
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| 08/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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ATTN : CFPB TECHNICAL SUPPORT -- THE " SUBMIT '' BUTTON ON YOUR " DISPUTE '' PAGE IS STILL NOT WORKING.
RE : CFPB # XXXX UNION BANK CASE # XXXX THIS CONSUMER FINANCIAL PROTECTION BUREAU DISPUTE IS IN RESPONSE TO XXXX XXXX XXXX ' LETTER OF XX/XX/XXXX. I AM DISPUTING UNION BANK 'S RESPONSE, AS IT ONLY PARTIALLY ADDRESSED MY ISSUE OF EXCESSIVE FEES CHARGED TO MY ACCOUNT.
1 ) I was NEVER " notified on multiple occasions '' by Union Bank that monthly fees would be charged to my account. Nor, was I ever notified that I would no longer be eligible for a " XXXX Banking '' account.
2 ) I NEVER received a " Union Bank notification letter '' in " XXXX XXXX '' at my XXXX XXXX, Calif. address, stating the new qualifications for " Signature Banking '' accounts, " beginning XX/XX/XXXX. '' I save all of my bank correspondence and bank statements ( much to my sister 's chagrin ). The only bank correspondence I have received was in XXXX XXXX ( from the Loss Prevention Dept. in XXXX, Calif. ) and in XXXX XXXX ( regarding the new chip and pin cards ).
3 ) When I first asked a XXXX XXXX, Calif. Union Bank teller about the {$18.00} monthly fee being charged to my account, she said it was because I " did not have online banking, and that there is an {$18.00} fee for paper statements. '' I was reluctant to sign up for online banking at that time, as I have a 10-year-old computer and am on WiFi. I explained to the teller that when I got a new computer, I would sign up for online banking. When I continued to see {$18.00}, and then {$20.00}, monthly charges to my account, I thought that was due to the paper bank statements, as that is what I had been told by XXXX XXXX.
4 ) My bank account was NOT " converted several times, '' nor was I ever notified by Union Bank, at any time, of any pending " conversions '' to a different type of account. The " Banking by Design '' account was only started because I had complained to Union Bank about the {$20.00} monthly fees.
5 ) I have had direct deposit with Union Bank for nearly 16 years. When I first opened up my account in XX/XX/XXXX, a Union Bank officer, " XXXX, '' at the XXXX, Calif. branch on XXXX XXXX, told me that as long as I had direct deposit over a certain amount, that my bank account would remain free.
6 ) I was referred by XXXX XXXX in her response to " page XXXX '' of a Union Bank document that I never received, entitled " All About Personal Accounts and Services Disclosure and Agreement. '' Once again, the only bank correspondence I have received was from the Loss Prevention Dept. ( XXXX XXXX ), and information on the new chip and pin cards ( XXXX XXXX ).
7 ) I NEVER asked the XXXX XXXX Customer Service Center agent, at any time, to review 7 years of bank statements! I help to take care of my XXXX-year-old mom, and because of that, I am not always able to hold on the phone for very long.
8 ) I still feel Union Bank discriminates against lower-income customers. We are the ones who can least afford your excessive fees.
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| 06/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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On XXXX XXXX I was online checking my account, when I noticed a check made out to cash for {$460.00}. it posted on the XXXX of XXXX 2017 . I did not write that check! Frantically I called the number on the back of my atm card and spoke to someone telling her this was fraud! Then she transfers me to the fraud department. And the lady asks me was it a while ago since they took your checks? I said I did n't even notice they were gone, why I asked because the date on the first check was XXXX / XXXX / 17 it 's fraud get it they made up the date! Still more explaining and then at the end of out conversation she informs me that I 'll have to go into my branch that they could n't help me! Well I work full time, when was I going to get in there? The lady I spoke with did n't even flag my account! Reporting fraud! Cause on XXXX XXXX 2017 another check still made out to cash this time for {$600.00}. posts to my account! I am mortified and as soon as I saw that I flew to my local branch. This time I spoke to XXXX , there on loan for the day replacing the branch manager. I told him my story he then got the fraud department on the phone long story shortened he tells me that the {$600.00}. that cleared mind you with not enough funds to cover that check on the XXXX the same day I was in there, asking HOW? d oes this happen to me twice? I called the bank on the XXXX and explained that I did not write that check, fraud has been committed on me????? I received XXXX bills from my bank stating that I owed them the overdraft fees on the $ XXXX and then we closed the account but they saw there way clear to accep-t my paycheck on direct deposit so they could get their fees, leaving me with no money. XXXX swore that on the new account I just opened that {$600.00}. I should see reversed and back to my account ... It is now XXXX XXXX and n ot one re d cent have I seen! When I left the bank that day I w ent straight over to XXXX Police department and filled out a complaint, which I took directly back to the bank and gave XXXX the case # that the police had given me, he said good the fraud department will get right on it ... ... Nope! So I go back in to my branch and spoke with XXXX XXXX the branch manger, explained things to him and he makes a few phone calls to find out why there was still {$78.00}. in the closed account? Turns out that was what was left of my paycheck after all was said and done. That is just some scandelous banking if you ask me. I ask Him if checks had been ordered on the new account he told me I woul d Proboblay see them this Monday.Nope again! And we all know how direct deposit works right, my company needs a check! So I do n't know who will need my paycheck worse than me on Friday, but still no . Please hel p me if this ai n't the run around then I do n't know what is! By the way XXXX said your gon na see a charge for the checks on your statement Call me when you do and I 'll take that off. That is nice HUH?
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| 07/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}.
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back.
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks.
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX.
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.
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| 01/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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I sent my XXXX XXXX homeowners ' association payment to the designated XXXX XXXX that was represented to be that of Union Bank. My check was cashed by someone, though Union Bank and my property management company, XXXX, claim they did not receive it. My property management company then sent me a statement trying to charge me late fees for a payment that I had made. In addition, after complaining about Union Bank 's mismanagement of my XXXX XXXX payment, it then mishandled my XXXX XXXX payment that I sent to the same XXXX XXXX by not cashing it, running the risk that I would be charged a late fee due to no fault of my own. Originally, XXXX identified XXXX XXXX as the Union Bank representative assigned to this matter. XXXX was silent from XXXX XXXX to XXXX XXXX as I asked her about how Union Bank 's processes could have allowed XXXX my payments to be mishandled and to find out information about the status of my XXXX payment. I am fearful that XXXX was intentionally refusing to provide me information about my XXXX payment in retaliation to my complaints about Union Bank in order to trigger the imposition of a late fee on me.
Then, on XXXX XXXX, XXXX, XXXX XXXX from Union Bank 's Office of the President was assigned to this matter. XXXX said he was troubled by XXXX non responsiveness, expressed that he did not believe Union Bank had exhibited itself in the manner that it seeks to hold itself out as a Bank, and he pledged he would address my concerns. He did no such thing in the days that followed. He refused to provide me with the name of the security company that transports checks from the XXXX XXXX to Union Bank 's facility that may have been responsible for stealing my check, claiming that the information was " proprietary, '' although Union Bank has contradictorily claimed through XXXX that it has no control over the security company. He told me that only a " general research '' investigation was done to determine whether someone at Union Bank or its unnamed security company may have taken my check and cashed it. And it took Union Bank nearly 2 weeks to fill out its portion of a fraud statement ( which required only a signature ) so that I could submit to my Bank in order to facilitate my Bank 's investigation of this.
I am deeply concerned with Union Bank 's processes that have resulted in XXXX of my payments to be mishandled in different ways. I am also deeply concerned with Union Bank 's apparent lack of concern that a federal offense may have occurred on its watch, and its attempts at trying to evade accountability by passing off responsibility for handling the checks to a security company, and then refusing to provide the identity of that security company. Union Bank 's conduct and attitude in this matter makes me fearful that Union Bank will allow its flawed processes to continue uncorrected, which will allow more federal offenses to happen under its watch.
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| 10/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I lost my debit card approximately around XXXX through XXXX XXXX based on the last day i had it in my posession for sure. During XXXX XXXX and XXXX XXXX, My debit card was used several times more than XXXX miles away in Texas to charge over XXXX dollar of merchandise. Upon noticing the unauthorized transaction when i was checking my account online, i contacted my bank to report my card lost and stolen. The person on the other line made mistake and wrote that i had my card in my possession which was not true in fact I stated i dont have my card and that when i knew my card was stolen or lost and used by theives. XXXX weeks later i got a letter from claims dept that they denied my request because i stated the card was in my possession and the chip card are hard to clone so based on the false info that i had the card in my possession they denied my claim. I spoke over the next XXXX weeks with several member of claims dept telling them that first i never stated i had the card in my possession. from the letter that was the main reason for the denial. I was suppose to hear back from XXXX who were going to listen to the conversation i had when i first reported my card lost and stolen. Nothing happend with claims dept as they never bother to look into this huge error. I was told lie multiple times that someone from claims dept will look into this. A month later at beginning of XXXX, i contacted the corporate office of union bank to find someone to report my complaint against the claim dept and the lack of response from anyone from the bank. After a week, i was finally able to speak with someone that handle consumer complaint. They got access to the first phone call and agreed with what i had said about not having the card in my possession. They said the person made a mistake and they would fix it and reopen the claim so i can get my money back for the unauthorized fraud transaction. The case was sent to the office of the president because the claims dept still refuse to do anything with the denial case and now had a different reason to the denial. It appears they like to change their reason as new evidence surface about their lack of honesty, mistake and anything else that surfaces. The office of the president look at the denial letter which clearly states the reason for the denial based on false statement from the person that i spoke with. THey look at the tape of my conversation with XXXX or XXXX member of claims dept who promise me to look into the matter but never bother doing anything and never bother to call me as they promise about the claim. Someone at the claim dept are trying to cover their mistake by false and misleading statement because admitting to their error is worse with everything they have done to waste my time. I want my money they took from my account for those unauthorized transaction someone made on my debit card. THe bank is XXXX bank.
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| 07/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX.
I was given very limited time look for another lender.
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender.
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX.
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times.
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate.
I really feel cheated and I am caught up with a higher rate now.
Hence I wanted to file a complaint with CFPB regarding my experience.
Please do the needful in helping me resolve this issue.
Thanks
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| 02/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2017, I opened a XXXX XXXX XXXX checking account with a promotion of {$200.00} for meeting certain qualifying terms. They included a Direct Deposit of {$500.00} OR 10 debit card transactions within 60 days. I met both of these qualifications on XX/XX/17 with 10 debit card transactions in addition to a XXXX XXXX of {$500.00} on XX/XX/17.
I spoke with XXXX XXXX, a representative who initially opened my account after Union Bank initially opened/closed my account in XX/XX/2017. XXXX XXXX informed me that the account was fully open on XX/XX/2017, that the promotion was indeed tied to the account, and if I met the qualification terms ( Direct Deposit, or 10 debit card transactions ) that I would receive the {$200.00} bonus.
On Wednesday, XX/XX/XXXX, I contacted the office of the president ( XXXX ) to follow up on this promotion and why it had not been granted to me.
Unfortunately, XXXX informed that because the account was " CLOSED '' I would not receive the promotional bonus. I then stated the obvious, that the account had continuous activity, and that the account actually had a {$25.00} balance. How can the account be " CLOSED '' if there is a current balance!?
XXXX then informed me that the terms state the bonus would not be applied if the account is not open and not in good standing.
I challenge Union Bank to prove that this account was not open and " not in good standing ''. I did not receive disclosure that the account was ever closed or inactive. If Union Bank 's motivation is to exclude the payout to accounts with zero balances, it should state so in its terms and conditions with something as simple as " Account must have a positive balance at time of payout ''.
I believe this is completely unjust and unfair considering the circumstances and how often the account displayed activity. At no point was the account " CLOSED '' or " INACTIVE '' as XXXX states. This is an obvious breach of terms considering the way your terms and conditions is worded, and I fully commit to pursuing the {$200.00} for the sake of principle and as a testament to the importance of customer service and transparecy in banking. Especially when it comes to terms and conditions.
The only resolution would be to grant the {$200.00} promotional bonus as promised in the terms and conditions. At no point was the account " inactive '', " closed '', or " not in good standing ''. These are subjective terms and an account with a zero balance does not necessarily determine inactivity, closure, or good standing.
Attached are my Union Bank statements, which clearly show the required transactions and qualifications being met per the terms and conditions. In no statement cycle was my account inactive or not in good standing. And no point was my account determined to be " closed ''.
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| 01/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you.
2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below.
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center.
Thank you for banking with Union Bank.
Sincerely, XXXX XXXX.
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info?
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time.
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center.
Thank you for banking with Union Bank.
Sincerely, XXXX XXXX.
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can.
Thank you.
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law.
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ).
Thank you for the opportunity to assist you.
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco?
Thank you for any guidance you can offer.
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| 02/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet.
I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank.
I closed the checking account on XX/XX/XXXX.
I withdrew from my savings account on XX/XX/XXXX. The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license.
There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice.
What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw.
Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents?
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this.
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4. Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.
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| 07/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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We moved to east coast and do not have a physical Union Bank branch available to us so we called UB @ XXXX on XX/XX/XXXX and told XXXX ( extension # XXXX given to us ) in XXXX TX that we wanted to close our checking acct ( # XXXX ). We called UB again on XX/XX/XXXX and spoke to XXXX ( id # XXXX given to us ) in XXXX TX. XXXX verified that we had {$55.00} in our acct and that we would be charged for a cashier 's check to be sent to us for the remaining amount in our acct. We did not want to pay for a cashier 's check but XXXX told us that we had already been charged for one. We then spoke with XXXX ( refused to give us an id # or extension # ) in TX ( refused to say what location in TX she was in ) and she told us a check was sent to us on XX/XX/XXXX. We felt she was lying to us b/c we first called UB on XX/XX/XXXX to close our acct! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB. XXXX verified that our acct was closed on XX/XX/XXXX and told us that it takes 7-10 days to receive a check for the remaining funds in our acct after it is closed. We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX TX that we had not received a check from UB and she told us that we had to go into a branch to close our acct. We told XXXX that we were on the east coast and there are no physical bank locations here for regular customers! We then called XXXX XXXX whom we originally opened our acct with @ the XXXX XXXX CA UB branch. XXXX told us that a check was sent out to us and we told her that we had not received one. After some going back and forth with XXXX, she asked for our phone number and told us that she would call us back but she never did! We called UB again on XX/XX/XXXX and told XXXX ( id # XXXX given to us ) in XXXX that we had not received a check from UB and all she did was continue to put us on hold while she tried to find out what was going on, never giving us an answer. We called XXXX @ the XXXX XXXX CA branch again today ( XX/XX/XXXX ) and told her that we had not received a check from UB. XXXX told us that she had spoken to customer service the first time we called her and they told her that we had called them after we spoke with her. We told XXXX that we did not do that. XXXX continued to accuse us and told us that she could not do anything for us. We asked her if we should just go to XXXX and she said that she was trying to help us. We told XXXX that we did not feel that she was trying to help us! We told XXXX that we wanted our check. When she raised her tone of voice, we hung up on her and decided to make this complaint. We are tired of being lied to and getting the run around from Union Bank!!!
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| 10/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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Union Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX around XXXX XXXX {$980.00} Cash Deposit Claim # XXXX I made a {$980.00} cash deposit at the UNION BANK ATM located at UNION BANK XXXX XXXX XXXX XXXX there was a drive way leading to the UNION BANK ATM with arrows pointing to the machine. The Machine screen has UNION BANK sign. I used my UNION BANK Debit card and deposited XXXX {$100.00} Bill and XXXX {$20.00} bill.
XXXX * {$100.00} = {$800.00} XXXX * {$20.00} = {$180.00} Total Deposit {$980.00} The machine indicated due to technical reason my deposit was not completed. The same problem happened to me several months ago with cash deposit at the UNION BANK Located at XXXX XXXX XXXX XXXX at XXXX XXXX CA, I called the XXXX number they told me to contact the bank, which I did the manager of the bank checked their ATM machine and credit my account for the deposit right away. With that experience today I walked to the UNION BANK and told the manager of the bank that I just deposited {$980.00} cash and the machine did not give me credit. Ms. XXXX XXXX Branch Service Manager gave me a phone number to call to place a claim, she told me we are not responsible for the UNION BANK ATM machine at our parking lot. This response was not acceptable to me, I made complaint and asked her to call the number and let them know that I am at the bank and they need to give me the credit. She did call and I was given a claim # XXXX by a person called XXXX who told me it will take any where from 10 to 90 days for them to investigate the case to get the credit. I did not accept that response and asked to speak with her supervisor XXXX, she told me they collect the cash daily from the machine, but the policy is to wait from 10 to 90 days to process the claim. I made sure to ask that our conversation was recorded and repeated what she told me 5 times, indicating how absurd her so called policy is, she was cold and had a take it or leave it attitude, and made no efforts to help me.
I am requesting the CFPB to open a case against Union Bank and requesting that Union Bank to Credit my account {$980.00} today and compensate my account for my inconvenience {$250.00} per day penalty for every delay starting XX/XX/XXXX until full credit of {$980.00} is recorded.
I believe their response to their machine failure is not acting in good faith and illegal. They need to put a sign on their machine warning that deposit your hard-earned money at your own risk to be acceptable to go and check to see if the money is there or not right then and there.
To me having this happen twice in one year has criminal intent all over it.
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| 02/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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Union Bank sent me a new " chip & pin '' debit card about 2 1/2 weeks ago. I did not ask for this card ; they just sent it to me. I activated the new card as soon as I received it. However, I have been having one problem after another using the new card. I read through the literature that Union Bank sent along with the new card, to see if there were any tips on how to resolve any problems with the new card. There were not any tips given ... just legalese.
XXXX XXXX said Union Bank had declined my automatic payment on XX/XX/2016, even though there was plenty of money in my account. XXXX XXXX then canceled my car insurance and renter 's insurance. XXXX XXXX XXXX would not accept the new card either. I should add that the debit card number is the same on both the new card and the old card. The expiration date, however, is different on the new card. The CRV number is also different. Nowhere in the Union Bank " chip & pin '' literature did it say for customers to contact merchants/automatic payment companies with a new expiration date.
Then, yesterday, at XXXX in XXXX, CA, my new debit card was denied for a purchase of XXXX. My card was scanned through their card reader at least 7 times. The card reader had chip technology, so the clerks tried to scan the card both ways. In addition, XXXX insisted that I was entering " the incorrect pin number. '' I actually entered the correct pin number 4 or 5 times into their card reader. There was a long line of people behind me, and it was humiliating to be turned down for a XXXX purchase. The XXXX manager said, " we 're sorry, but we can not authenticate this card. '' I ended up having to write a physical check, which, of course, just held up the line even longer.
As soon as I got home, I double-checked the balance in my bank account, which was fine. I also double-checked my pin number ... I had indeed been using the correct pin at XXXX.
The XXXX manager told me to call Union Bank this morning ... that the bank would be able to see in their system why my debit card had been declined on XX/XX/2016 so many times. I called the XXXX XXXX, CA branch of Union Bank this morning. The gentleman who answered the phone, XXXX, said there had indeed " been a few problems with the new chip & pin cards. '' He gave me a national XXXX Union Bank number to call. However, when I was finally able to reach a real, live national Union Bank employee at XXXX XXXX. PST XX/XX/2016, and explain what had been happening with my new debit card, she just transferred me back to the bank 's automated phone system.
|
| 06/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.
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| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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XXXX Our bank took funds that they never tried to investigate.
Union Bank XXXX XXXX XXXX XXXX, California XXXX They didnt provide proof of names, photos, times, or people that they attempted to contact. I asked for all of this information and they provided nothing. I filed a police report, XXXX complaint, FDIC complaint and now CFPB complaint Ive tried my best to work with the company, and I got nothing in return. I asked for proof, and I received a letter stating, the payment cards are ( NEARLY ), impossible For a criminal to counterfeit ***** NOT DEFINITELY!!!!!
Im in charge of my daughters bookkeeping, I was very ill for 3 months. I missed the debit taken from our account. Its her money, I had a card for emergencies. We put gas the night before we had to be at the XXXX XXXX in XXXX XXXX, Ca. It was an unfamiliar gas station. My daughter stated that criminals put something in the slot, so they can steal info. My ex spouse is XXXX and has XXXX XXXX XXXX. Theres no way possible that anyone of us, including our daughter, that would attempt to go to a mall in XXXX, Ca. Its a nasty, XXXX city. People are killed on a daily basis. I was 5-6 hours late to XXXX XXXX. My ex took the wrong bridge. He could never go to XXXX and find a mall, yet alone walk. Nor, could I. He worked in the XXXX XXXX XXXX XXXX, since our daughter was born, and he had us going in circles. I reported it, when I looked at her statement, later when I was a bit more clear minded. The account is in both our names, I do all of her book keeping. Im not letting the UnionBank get away with this petty nonsense. Im sick, though I will fight for my daughter until I am ashes. I know It is a small amount, its not their money. Its criminal act for them to not provide proof, and take her money! After she was subject to a XXXX criminal. Who committed fraud at a mall we know nothing about. UnionBank is an unscrupulous company. I advise everyone not to do business with this company.
Its not about money. Its about integrity. UnionBank has none. I left my # with the manager to return my call. They didnt, and proceeded to hang up on me 7-8 xms. 1 with a huge gasp, as if annoyed. I filed a complaint. I have 6 - 7 complaint numbers filed with 6 - 7 different agencies. Closing our account after I am done with all of the agencies I can find to file with. Do not let any company believe that you as a consumer, are going to allow them to get away with unscrupulous business practices.
|
| 10/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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It has been over two months since we have applied for a refinance loan, and were informed that our loan was pre-approved. Since then we have received several documents with incorrect interest rates. It was suggested by the bank that I open a checking account with them in order to receive the best interest rate of 3.875 %, even though I already have several saving accounts with Union bank. Once I opened the account, they told me they could not give me that rate promised because they had made a mistake. The representative continued to apologize for not being able to honor the rate but that they would find something comparable. I continued to receive more documents with an interest rate of 4.625 %, and numerous mistakes corresponding to my personal information, and was advised to sign them, but I refused to sign incorrect documentation. There were close to ten documents sent to me with incorrect information, and all they could say to me was that it was the systems fault.
In addition, the first date of closing was suppose to be on XX/XX/XXXX, and fund distribution on XX/XX/XXXX. On XX/XX/XXXX, I had not received the correct paper work, nor had I received a call from the bank representative to let me know it would not close on that day. I left messages for the representatives I was working with and never heard back from them until the following week when I received a second funding date of XX/XX/XXXX.
Originally, my loan amount was going to be for {$520000.00}, but today I received a call from a representative of the bank stating that they could not give me the amount which was proposed several times on all the earlier documents. The new amount was going to be {$460000.00}. I have two properties that I own, and are paid off exceeding the amount of my loan. I have excellent credit, and several savings accounts with Union bank.
The appraisal they hired took black and white photos, and did not capture the improvements of my home. It revealed that his work was the work of an amateur rather than a professional appraiser. Thus, the appraisal itself has three different amounts my home is worth with the highest being {$650000.00}.
I feel Union bank has been discriminating against me, and I do not feel I have been treated as a valued customer who has done business with them for many years. The way they have handled my loan approval is not acceptable, and as a customer I feel they have violated many of my rights as an a senior citizen.
|
| 12/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
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On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code.
And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious.
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''
|
| 04/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible.
And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back.
Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
|
| 10/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.
|
| 01/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
Hello, I had contacted you back in XX/XX/XXXX regarding the lender ( Union Bank ).
My husband was very ill and I was taking care of him in this what I call it our XXXX. At that time, my lender was XXXX Bank and XXXX who decided to obey the new law and lower my XXXX % interest rate down to XXXX %, which was supposed to last until XX/XX/XXXX I kept paying my loans every month and on time. Union bank took over the previous bank and I kept paying on XXXX % interest until I contacted them on XX/XX/XXXX and asked about whether my loan is changing and they replied, over the phone and without any documentation to confirm that my principle has been extended to the year of XX/XX/XXXX and the XXXX which is a Home Equity is extended to XX/XX/XXXX. I was relieved when I heard and without asking for confirmation about the Phone conversation.
I am a widow and my husband has passed away in XX/XX/XXXX, I have contacted this bank and asked if they can reduce my monthly payment and live comfortably. They denied helping me. Any time I asked for help, I heard them telling me either to go Reverse Mortgage or liquidate my home. I feel this is a matter of discrimination agaist me because I have no husband and I am in my XXXX 's.
Instead of lowering my monthly payment which was around $ XXXX, they surprised me on XX/XX/XXXX, with a XXXX package in front of my home and being addressed to my deceased husband without my name on it and they raised my rates and my monthly payments asking me to sign the package and return it back to them before XX/XX/XXXX or else the loan will go up to XXXX % automatically. I called them and told this is totally illegal and I am being harrassed by this. Their response was that they were being audited and found out that my loan was supposed to change to XXXX % and they missed it and they wo n't charge me for repayment of XXXX years that I was on XXXX %. They did this so they know I wo n't be able to afford this payment so they can foreclose on my home. I have paid enough money in this house during my husband 's illness and death and now I have his survivor 's and pension income and I am a full time worker on a minimum wage. I feel I am being taken advantage off since I have no husband to support. I am qualified to lower the monthly payment and keep my home and not interested in Reverse Mortgage or being thrown on the street ( Foreclosed on ).
XXXX XXXX
XXXX CA XXXX XXXX
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| 04/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I opened an account with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX that included a checking account and a personal line of credit ( Cash Reserve Account ). Beginning in XXXX, XXXX I placed my first phone call to XXXX requesting to close my account. I asked if I could pay the balance of my credit line and was told I would have to go to a XXXX branch to complete this or transfer the money into my checking account and then pay the credit line, which was about {$5.00}. The closest branch is more than 250 miles from where I live. I asked if I could mail a check and was told that was not possible by at least three XXXX employees or their contracted customer support staff. Instead, I paid a {$15.00} wire transfer fee to transfer the ~ {$5.00} into my XXXX account which I then used to pay my credit line. In the interim, I was charged {$0.00} ( XXXX cents ) in interest. When I called back to close my account, I was told I could not close it because I now owed XXXX cents in interest. Again I asked if I could pay over the phone or mail a check and was told that was not possible and I would have to visit a bank branch. On or around XX/XX/XXXX I called again and demanded that my account be closed, that no interest be allowed to accrue, and that I be given a final total amount due so i could visit a bank branch and pay the amount in full. I was told the account would be closed and no further charges could be made to or from the account, and that I would receive a final bill at some point in the near future with my total amount due and an address where I could send the payment. On XX/XX/XXXX I received a notice stating that my account, including the line of credit, was official closed. The letter stated " No further advances may be made against the Cash Reserve Account ''. Subsequently, two {$5.00} charges were made against the cash reserve account On XX/XX/XXXX and XX/XX/XXXX, which I eventually received notice. I never received the final bill to close the account. On XX/XX/XXXX I called back to settle the matter and was again told I would have to visit a physical branch. I asked to be transferred to a supervisor and was eventually given a PO Box address to which I was told I could send the payment. This is nearly four months after first asking for an address and being told at least six times that was not possible. I demanded that the {$10.00} in charges be reversed and they refused.
|
| 06/17/2019 |
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
|
|
Web |
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To whom it may concern : Thanks for your time helping me, the credit card co is called : Union Bank Visa. i've purchased some merchandise on line from XXXX in XXXX last year, for the amount of {$220.00} and i've returned some of the items to them and got refund of {$93.00} on XX/XX/2018.
When I've received my credit card statement, I saw XXXX did issue me a credit of {$93.00}. but Union Bank Visa charged me for {$93.00} again as a " security adjustment '' and it happened exactly the same as another charge of {$10.00} on XX/XX/2018. I've tried to contact them since this XXXX, they asked me to call their fraud dept at XXXX, ext : XXXX and talked to XXXX, I've tried more than 20 times since XXXX, she never picked up the phone, and only returned my phone one time and after I tried to call back, it was just as before, can't get hold of her till I finally I talked to her on XX/XX/XXXX and explained the situation, she kept telling me the security adjustment is a credit, but after I asked her to calculate the total for my balance, it proofed it's not a credit, its a CHARGE! then she said she will call me back and hung up on me! After that she never called me back no matter how many messages I've left on her. I even talked to two supervisors at their customer service and complained about that, all they said is they can't do anything, I can only talk to XXXX!
The most ridiculous thing is when I received my XXXX statement, they charged me those 2 items again plus the late fee and interest! I've talked to their customer service and one of their rep is very helpful, she told me she heard lot customers complained about XXXX, but there is really nothing she can do over there, she just helped me to wave the late fee and I asked her to make sure to dispute those charges till they can finally solve my problem and she said sure.
I just received my XXXX statement, and they charged me the late fee AGAIN also includes the charge they over charged me. Now my balance is {$230.00} including the late fee, interest and 2 items they've over charged me 2 times!
I will be really appreciated for your time and help, really hope you can solve this problem for me, I believe they know their system has this problem and keep charging customer by " security adjustment ''. I will be highly appreciate to hear from you soon.
Thank you very much!
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
In XX/XX/XXXX I received an offer from Union Bank to open a priority bank acct ( checking ) and receive {$300.00} if I complied with the specifications. They were use the debit card a number of times within 60 days I think & link to mortgage which is with Union Bank. I get these offers from banks I don't know why but it is easy enough to do it & get free . The deposit requirements were nothing much & no direct deposit requirement. I went to the bank several times to try to open the acct. When they realized I was not depositing a substantial sum they were telling me no I could not do it. Each time I went home & read the requirements and I matched so returned. On maybe 3rd try I got a nice young banker who it turns out did not know what he was doing but he opened the acct. Well I was happy! But time passed & no debit card arrived. I really forgot about it until maybe XXXX or XX/XX/XXXX I became concerned maybe the card was lost in the mail so I think I called- also because no {$300.00}! They sent the card but by this time the 60 day requirement was nowhere on my mind and I went into the bank time after time to try to get it all set. In XXXX I went in for the I do not know how many time and one of the bankers who had told me in XXXX that it was approved & the $ would be there. Their employee had fouled up & his boss " XXXX '' had approved it. So XXXX I'm back & he calls " XXXX '' and he actually initials the offer paper-OK it is done. No. I mean ridiculous. I go back in because I tried to go on online banking but their employee who opened the acct orig. never put me on online banking so they demanded I go in to the branch to get on. I got a nice banker ( different one ) & he says he will bring it up because now the initial guy is on several weeks training not available till after XXXX XXXX. OK after XXXX XXXX I'm baaaack. He says it's out of his hands it's up to " XXXX '' who is in a different office. Just by chance " XXXX '' is there! He says oh his boss said you never did anything with the acct so they are not going to give the XXXX I sent a letter to " XXXX '' s boss- nothing. I have to point out they had sent me a similar offer some years ago & I changed my mortgage to them & later did another refi. I have done my best to resolve this with them that is why I am here.
|
| 09/01/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!
|
| 05/29/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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1. The bank did not tell why they are claiming in their response that I said and I quote : '' ... funds missing ''. The bank is avoiding the issue.
2. The company did not say why they mailed me an ATM card with purchase when I told them I only wanted an ATM card for deposit and withdrawal. The bank should have issued me the card that I wanted. I could have made other arrangements if this is not possible. The bank is avoiding the issue.
3. I want to know why I was given two ( 2 ) small pieces of paper when I opened the accounts. The bank did not respond to this. The bank is avoiding the issue.
4. Customers are entitled to transaction receipts. The bank did not give my transaction receipt when I asked for one. The bank should issue transaction receipts. Government authorities should know about this and take action.
5. The DMV should be informed that the teller swiped my driver 's license at Union Bank to avoid this kind of activity that opens customers to threats of identity theft. Union Bank should inform DMV and the customer.
6. The Federal Trade Commission and Department of Motor Vehicle and other government agencies should be informed of these complaints so steps could be taken to protect consumers from identity theft.
7. The Consumer Protection Bureau should have informed consumers of what steps are being taken and what government agencies were informed to resolve the issues to fulfill their role as protectors of customers.
8. The Consumer Protection Bureau, Federal Trade Commission, DMV, and government agencies should review the videos of the transactions I made at Union Bank. These videos could provide answers to my questions/complaints.
9. I gave one phone number to Union Bank. I am wondering why I was contacted at a phone that I did not provide. How did the bank obtained the number?
10. I filed the complaints because I want the protection afforded by the Consumer Protection Bureau, the Department of Motor Vehicle, Federal Trade Commission and other government agencies. These agencies should respond to the complaints. I am wondering why the cases are closed when the issues are not yet resolved. The consumers are not being protected when cases are closed without the issues being resolved.
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| 05/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted XXXX of the XXXX accounts which are fraudulant accounts to have them closed or to inform XXXX of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization MUFG Union Bank has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on XXXX , two more time s with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. On X/XX/17 I spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone calle d. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX , XXXX , XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX .
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| 01/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX will appear on my credit card statement for one charge and XXXX XXXX XXXX will appear for the other.
I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions.
They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account.
I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.
There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted.
I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.
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| 08/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.
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| 02/04/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Older American |
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I have online bill pay through Union Bank. In XXXX, I had XXXX bills to be taken out on XXXX XXXX, totaling {$220.00}. Because of the holiday on XXXX XXXX, they paid these XXXX bills on XXXX/XXXX/2015, overdrawing my account and then charging me {$33.00} for each online payment. ( {$130.00} total ) I have my small pension automatically deposited on the XXXX of each month, so my money was not in there on XXXX/XXXX/2015. I phoned them and asked for that {$130.00} overdraft fee returned and they said it was not the banks error so they would not return the fee. I said it was the banks error because they paid my bills early and they disagreed. I told them I would file a complaint with the CFPB and they said they would give me {$99.00} back, but not all of it. I told them I would still file this complaint if they did not refund the entire amount. I, then had XXXX checks presented and because I was overdrawn the {$31.00} ( because I had not gotten the entire overdraft penalty back ) they charged me another {$66.00} overdraft penalty. I phoned the temporary branch manager to talk to her and she would not return my call. Union Bank has my mortgage and, once when I complained about some charges, one of the reps stated, " We will always have your mortgage! '' I am in the process of changing banks, but this is so exasperating! I have banked with them for 30 years. I have my SSI and Pension automatically deposited. They are brutal charging the fees and heartless when I need help. I only have 2 more years on my mortgage, so I am happy to not have much longer to deal with this horrible!!! bank. When the banks were having their charges look into by CFPB I mysteriously had a deposit made into my account by UnionBank, not telling me why! I am thinking it was for past fees they charged me that they should not have charged me initially. As I see it, they owe me {$33.00} from the early payment of my bills online and the {$66.00} they charge me because they would not return the entire {$130.00} overdraft fee. Thank you for looking into this complaint. XXXX
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| 10/16/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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XX/XX/2018 I noted in a recent comment of mine to the CFPB that queries about double and false billings are rarely answered by the Union Bank. I received a call from XXXX XXXX, an assistant in the president 's office, was very angry that I had sent a negative comment to the CFPB regarding accounting errors by the Union Bank. She said that in retaliation she was not crediting a {$330.00} payment to the Bank made in XXXX ; and it has been billed as owed interest, since then, instead of credit, for months. I am curious, of course, what happened to the money. I never received a check from the Bank for that amount, so we have to assume that she tucked it away in one of two unauthorized accounts manufactured by the Bank in my name, or treated XXXX, her office-mate, a recently expelled ( 10 year ) employee of infamous XXXX XXXX, for lunch, She apparently has impunity, and employees may be encouraged by management to supplement their salaries with a bit of buccaneering.
Similarly, a query about a {$600.00} charge for appraisal that didn't occur, and was not authorized was ignored. Not the least, along with charges of false interest the imposition of a contract type that I rejected and emphasized didn't want, was misrepresented as a kind that I wanted, actually due to employee negligence : over XXXX forgetting to file the transfer. To cover up the error he induced us to sign the objectionable contract by misrepresenting an illegible copy. This Is now an added burden, with the Bank refusing to remediate the error. These aren't good people to deal with, especially if you are a senior.
It was only after a large expenditure of time and numerous complaints that the Bank rolled back the accounting to last year and returned a substantial amount of money that was incorrectly accounted for. But the problems never stop. We continue to be harassed every month by telephone calls for payments that were already resolved. We believe that it is Bank policy to harass seniors until they tire and cease objecting.
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| 11/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I opened account with Union Bank in 2015. When I was at branch location in XXXX XXXX XXXX, teller was very rude and refused deposit a check, because my first name had one letter different. I tried to explain and even showed California government Insurance, that my first name can spell different. I also pointed out that similar check /same merchant, similar $ 800+ amount was deposited previous week /. I asked for supervisor. They had so many people working at this branch but only 1 teller was available. Behind me was an impatient XXXX man who was pacing and asking me to move, while I still was speaking to teller! I stood aside. XXXX man went to cashier and was making comments about me, while I was there - its a very small branch and space by counter is tiny. I politely told him not to talk about me. Manager came in, that XXXX man got weird and hit my leg with his leg! He knew very well that Bank workers couldn't see that, because of tall counter! I was upset and told him to stop acting crazy while he called me name. Manager said that he is regular customer! They refused to assist me. When I went to my car and drove away, I saw XXXX man behind me! I parked and called acquaintance of mine. 2 hours later we safely left. I was prejudiced against in this branch where they favor XXXX, I was insulted. I lost money, because not able to deposit a check, I ended up cashing it without any problems at cashing place for a very high fees, because I needed cash to pay a bill. I left a card in the branch, being upset about mistreatment and couldn't withdraw my own money. Shorty after, branch in XXXX XXXX sent me letter that they discontinued my services! I had to wait for a while, when they told me they will mail me check from my account, losing money because of all above mentioned - {$580.00}. Bank was holding onto my money meanwhile, while I wasn't their customer. Eventually they sent a check.
I am demanding them to pay my losses {$580.00}
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| 03/31/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad, no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it, helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX, I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!
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| 07/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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- Problem with customer service
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Web |
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I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name is XXXX.
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| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
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Web |
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In XX/XX/2019 my wife and I were taking proactive measures to ensure we could meet our mortgage payments despite her having become XXXX and no longer receiving employment income. We considered refinancing our 15 year loan but had heard of loan modifications, which seemed easier and cheaper. We called Union Bank and asked if that could be done for us. I admit now that I did not know all the facts of such a program and depended on Union Bank for advice. I submitted some paperwork and was approved and advised to make 4 Trial Payments that were {$210.00} less a month. I assumed the loan modification would be a similar arrangement resulting in our 15 year loan having a reduced interest rate to match the current market rate. The final modification changed our 15 year loan to a 40 year loan, not at all helpful considering we are both over 60. We signed the agreement anyway, assuming it would buy us time to shop for a better 15 year loan.
On XX/XX/2019 a local bank notified me that I did not meet the underwriting requirements to be the contractor of record for building a residential home for my customer. The reason given was negative credit reporting for the 4 months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/2019 for " delinquent '' mortgage payments. These were the months we paid Union Bank the Trial Period payments, on time, as instructed. We were never notified verbally or in writing that the trail period payments would be considered delinquent even if paid on time, or we would never have agreed to the mortgage modification plan. We would have refinanced the loan. The Trial Period contract states " Please note that except for your monthly mortgage payment amount during the Trial Period Plan, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the Trial Period Plan ''. In what universe should that have caused us concern if we had never been late on payments?
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| 07/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK.
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue.
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ).
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX.
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line.
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.
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| 10/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney.
Mother has XXXX XXXX.
On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA.
There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted.
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind.
My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX.
My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems.
I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse.
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother.
I feel the bank needs better training in supporting their senior clients from elder abuse.
I will be reporting this to the XXXX County DA Elder Abuse dept.
If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..
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| 04/11/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
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Web |
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XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best.
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank
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| 11/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
falsefiling1 ; XX/XX/2018 In law, GAAP, generally accepted accounting standards require businesses that issue financial statements to the public adhere to the principle of permanence of methods : Consistent procedures are required to be used in the preparation of all financial reports.However, the Union Bank will conflate various kinds of charges, i.e., principle, interest, even false or disputed charges, assisted with multiple accounts in the customer 's name, to conceal disputed and false filings in violation of law. And then holds the customer hostage to paying the false filings by refusing to record the payment unless the false filing is accepted.The Bank Has already made an admission that approximately {$5000.00} was incorrectly charged to my account by false filings and had made appropriate revisions.That is indeed progress ; but the same accounting techniques are still continued to be used.
The Bank is still conflating principle and the few remaining disputed charges, in order to pressure this customer to pay up, without further investigation, ( something that is generally called extortion ), and it puts an end to lingering optimism. This is, of course, considered illegal by California statutes, but the Bank believes that it has impunity although it is evidence of bad faith and petty theft.
Recently, an unresolved charge of a few hundred dollars was added on to a mortgage payment, but acceptance of the payment is made contingent on acceptance by the customer of the false charge. It is required to be paid without protest and definition or recognition of a dispute in its entirety. When a mortgage is transformed into a partial payment It is one way of twisting customers arms by piling on interest ; it is a method that the Bank considers effective and seems to work for them, although extortionate for obvious reasons.
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| 01/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
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Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments, by using my " Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account, Debit Bank Card, then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time, the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then " Blocking on-line access. Union bank has made Refunds on XXXX different complaints, the calling merchants a second and third time to send back on-line payments, evidence of statements will prove that Union Bank Programmers have violated wire transfer laws, posted false statements, then refunded on XXXX different transactions. No Savings Debit card was ever issued, only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX, and since I relocated to the State of XXXX this criminal activity started, knowing the nearest Union Bank is over XXXX XXXX miles away. XXXX Documents of Bank Statements and on-line printed statements.
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| 05/19/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.
|
| 05/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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My issue was not listed in your previous pages so I did the best I could. The issue I'm having is with my mortgage bank.
On XX/XX/2019 the town of XXXX experienced a devastating flood. My hotel, The XXXX XXXX, took in over 10 of water. I lost 15 rooms, my office, laundry and storage rooms as well as my tool room. My insurance adjuster came out almost immediately. No one could even get into town until XX/XX/XXXX and they were here within two or three days after. XXXX XXXX from XXXX XXXX sent us an email on XX/XX/XXXX asking for a status report on our property. Our adjusters were very thorough and helpful with our claims, of which we have 7 total. Within a month, on XX/XX/2019, four of our claims Buildings 15, 16, 17, and 18 - were signed and recorded. We had been working on clean up and demolition during the month of XXXX and XXXX. The bank requested receipts for the work and materials, which we diligently sent.
As of today, XX/XX/2019, XXXX XXXX is holding {$86000.00} of our insurance money that we desperately need to rebuild our hotel. We had a very short time frame because we wanted and needed to be open for Memorial Weekend but their refusal to release our funds, even after we sent them all the receipts they required, has delayed our reopening. We are at a desperate time. What they are doing is impacting not only us but the tourism and economy of XXXX. XXXX XXXX holds our mortgage. They wont release our money to us but expect our mortgage to be paid. We have no income and because they wont release our funds we cant get any of our rooms going. We could have easily gotten at least four of them up and going last week had they sent us our insurance money. We are at a loss and will go bankrupt if we dont get help. Please, I beg you to look into this gross negligence.
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| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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After requesting a balance transfer in the amount of {$12000.00} on XX/XX/2019 I was told that the transfer would be complete within two weeks. I logged on to the two accounts involved and both showed a balance for the amount of the balance transfer ( {$12000.00} of my XXXX XXXX XXXX account and {$12000.00} on my Union Bank account ). On XX/XX/2019, I made a phone call to XXXX XXXX XXXX which is the creditor that was supposed to be credited for the {$12000.00} balance and was told that there are no pending payments on my account. Then I called Union Bank which is the creditor that I requested the balance transfer from and was told that my request was stopped on XX/XX/2019. The representative tried to get a hold of an individual named XXXX XXXX to resolve the situation but was unable to reach her. She provided the direct phone number to XXXX for me to try and call her myself. I asked if anyone else was available to help me and her answer was " XXXX is the only individual that can resolve this matter. '' On this day, I made numerous attempts to reach XXXX and left voicemails for her to call me. I tried to contact customer services again to ask for anyone else that can assist me. All of the representatives, including the shift supervisor were not able to find any other contact. They all attempted to reach XXXX and yet no one was able to connect with her. Union Bank has caused me extreme stress, and kept me away from my job dealing with this matter. They have neglected to reach out to me promptly to resolve what seems to be a simple issue with their system flagging my transaction. There has been no mail, phone calls, emails, text messages or notifications of any kind. The only way I became aware of this situation is by calling them myself.
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| 10/28/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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Web |
Older American |
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I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name.
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank.
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank.
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me.
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents.
Please call or email me for any additional information or clarification you may need. Thank you very much.
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| 07/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have.
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees.
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.
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| 03/04/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American |
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On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.
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| 05/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Union B ank took over my XXXX XXXX card and my XXXX Card from XXXX XXXX Bank. They changed the card from an XXXX XXXX card which I had applied for to a XXXX card. By changing the card, they made it appears the card was a new card issued by Union Bank. In the process of taking over the card, I lost my XXXX XXXX benefits and the web and app access to my first bank card app and easy to use web site. After a few months, I noticed a {$99.00} annual fee. I contacte d Union Bank and explained the situation and asked them to remove the fee since I no longer had the same benefits. The phone agent told me she was unable to do so. I asked her to close my account and reverse the fee. She agreed and closed the card and after XXXX minutes on hold, she returned and said the account was closed and she could not reverse the {$99.00} fee. I spoke to a supervisor ( XXXX ) who confirmed the card was closed and that they would not reverse the annual fee charge. I asked to speak to client relations and the supervisor said there is no one above her I can speak to. I called the following day ( X/X/2017 ) and asked to speak to a supervisor. I was advised by the CS rep ( XXXX ) that there were no supervisors and they were all in meetings. I asked to have the fee reversed and she said no. I explained that I had another identical card and asked if there was an annual fee. She said No t here isnt. I asked her to explain how to identical cards ( Union Bank XXXX XXXX XXXX XXXX ) from the same bank could have such different terms and her response was I do n't know and there is nothing I can do.
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| 07/25/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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Web |
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We opened a cd with XXXX XXXX saving in XXXX XXXX XXXX Calif. During the term of the cd Union bank bought XXXX XXXX XXXX . Our 5 yr. cd matured and rolled into a new cd. XX/XX/2016 without receiving any notification from Union. When I discovered the cd rolled over I went to Union to cash it in. It was Monday. XX/XX/2016 I was upset about the penalty and the conversation with the teller was not having a beneficial effect. I ended up yelling and making a scene and abruptly left the bank with out cancelling the cd. Then on the following Wednesday, two days later, Union Bank called and said they were cancelling the cd and another account under my family name. I told them I was ok with them cancelling my cd figuring if they were cancelling it there would not be a cancellation penalty of {$1400.00}. but said I did not want the other account closed. The representative said he would have to ask the office if we could keep the other account open and would call me back. He called right back and said Union was requiring all my accounts be closed. They said they would be overnighting me a cashiers check for the cd. The next day when I looked at the cashiers check they had taken a {$1400.00}. penalty fee and claimed that they were closing the cd by my request. I did not cancel the cd, did not fill out any cancellation paper work and was planning on sitting on the cd till I figured out what I was going to do. Union did not call me on that Wednesday morning because of their desire to provide me with good customer care, not. They called because they wanted to cancel my accounts.
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| 05/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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XXXX XXXX XXXX XXXX. I have been a customer for 20 years. On XXXX XXXX, 2017 I opened a credit card account at my branch in XXXX XXXX California and requested a balance payoff for another credit card at another bank. The requested amount was {$7000.00}. This was to take advantage of their 12 month 0 % offer which I received in the mail. I was approved on the spot and the payoff amount was submitted by the banker. On XXXX XXXX, 2017 I received a call from XXXX XXXX 's fraud department saying that they had received the original request which was pending but shortly thereafter received another request for {$5400.00}. to be applied to the same payoff recipient. I told them that was wrong and not to pay that amount but the {$7000.00} was approved. Concerned I closed the account and went to my branch on XX/XX/XXXX and spoke to the banker who made a call to inquire without result. Counter to my request the bank went ahead and paid {$5400.00} towards the other bank account but not the {$7000.00} per my conversation. They are now saying they ca n't get the money back from the other bank and are charging me {$160.00}. transfer fee even though they paid an amount I never authorized and gave them notice not to send. Paying that amount does me no good at all. I do n't want to pay the fee and would like to know why they sent the lesser amount when I told them it was unauthorized. I have tried several times to get results and have spoken with my banker and several supervisors but they have not responded or reversed the fee. Please help me. Thank you.
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| 08/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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Hi, I closed my checking and saving accounts at Union bank, so I visited its branch office on XX/XX/XXXX and I closed and returned all cash from amount, accept pending transactions. I thought it was already closed properly after visiting branch office. Then I moved to XXXX from XXXX. It was the reason why I closed Union bank 's accounts ( no branch in FL ). Today, I just wanted to change my mailling address to get my last bank statement from Union bank, so I logged in website. I found my checking account is not closed and there are many transactions after I closed checking account even it was paid several times of overdraft fee! absolutely it has negative balance ... because I got all money from the account when I closed it. I was so shocked ... and I called to contact center to ask what happend on my account. They said it was opened again cause there are some of pending transaction. Ok, I can get it. but I ca n't pay for overdraft fee!!!! I requested waive all overdraft fee til my check will be arrived to pay off but they said they ca n't! How could I understand it? and actually I do n't understand all over this situation.. Who can imagine closed bank account opened again? and even I did n't get any notice or explain about this. I want to close my bank account without paying any overdraft fee. It 's not my fault. If I knew it can be opened and I should take care about balance for pending transaction, I handled and managed its balance!!!! but I closed! I closed all accounts! All done! It is so annoyed ...
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| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I am a student. I have a student checking account. The Union Bank website claims that there is no charge for a student checking account.
Now, a total of FIVE TIMES, I have been charged a monthly maintenance fee for my student checking account. Once in XX/XX/XXXX, and again in Summer XXXX, Fall of XXXX, and twice in Winter of XXXX. For the first FOUR TIMES, I went into the Union Bank branch nearest to me to rectify the situation. Every time, the teller apologized and reversed the charge, promised it wouldn't happen again.
Without fail, the charge reappears, at the start of the next month.
This time, I was not able to access a local branch, so I called a service line. The line transferred me to a representative, and, midway through my explaining the issue, the call disconnected. I then called again, and nothing could get me through to a representative. Being generous, and calling these issues technical difficulties, I am still beyond frustrated that a customer is unable to connect with people who can keep their money from being STOLEN.
{$50.00} dollars doesn't seem like a lot to most folks in finance, so let me spell it out : {$50.00} is eating for a week and a half. {$50.00} is having enough to keep the utilities running -- imagine you have a midterm ( the grade of which will determine your ability to achieve post-graduate education ), try getting ready without POWER.
This is theft, and the most degrading and frustrating part is that I've done my best to RESOLVE IT, FIVE TIMES.
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| 01/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.
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| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I went in to a Union Bank located in XXXX XXXX inside of a XXXX XXXX XXXX XXXX on XX/XX/2020. I set up the account with a banker named XXXX. She was fine at first but when I called the next day to change my business account she said she would get back to me and never did. On XX/XX/2020 my 3rd party echeck merchant sent my echeck deposit to this branch they have been for years, I got a call from XXXX now telling me they don't accept 3rd party echecks so I went into the bank and picked up my echecks and deposited them into my XXXX XXXX account with no problem. They next day XX/XX/2020 my account was frozen and flagged for suspicious of a fraud check and then closed on XX/XX/2020. No checks were deposited and no one told me when i went into the branch to pick up the checks, i even made a cash withdraw and still no one told me anything that day. i called customer service twice and they referred to the Fraud department and both times the fraud department told customer service to refer me to the bank branch directly and still all they said was it was in their best interest to close my account. I spoke to the branch manager XXXX and XXXX on XX/XX/2020 and both couldn't explain why. XXXX even laughed saying ' we just decided to close it.This is unfair and not the way to conduct business. Stay away from this branch and bankers, they are not professional and will close your account without even calling you if they feel like it and their customer service is ridiculous
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| 10/19/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals.
PS. I do n't mind my name being published. Actually, I prefer to be named.
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| 04/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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The credit bureaus were notified that I was 30 days late on a payment to my Visa Credit card with my bank. I did attempt to make the payment ; twice! It seemed to go through, but both times the payments were later reversed. The only payments I have been able to make SUCCESSFULLY on this card are the ones I make in person at the branch. I have called the bank to see what is going wrong when I make online payments. I thought the problem was corrected, but it has not been. Since I do not see an " error '' message, or anything else to indicate the payments are not going through, I made the payments in good faith each month, thinking " this time it will work! ", but it never did. At no time in the payment process am I asked to type in the account number or any other number. I log in with my user name and password and then go into the credit card portal. I indicate which bank account I want to pay from and which amount, and then it is done. Again - no error message. I pay everything online. It all appeared to be fine. But, they were not going through.
There is a 30 day late mark on my credit that should not be there. I am NEVER late on payments, for anything. I pleaded with the bank to help me, but to no avail. My credit score has dropped 40 points because of this!!
Attached is a payment history for my credit card. The only payments that went through without the " payment reversal '' are the ones I paid in person, at the branch!
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| 10/05/2015 |
Yes |
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- Settlement process and costs
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Web |
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I was trying to sell my home to the current renter. He went to Union Bank in XXXX XXXX and submitted a loan application. The loan officers name was XXXX. I am writing this for him as I strongly feel the Bank practiced poor business ethics regarding his need to borrow money in order to purchase a home. I strongly feel this whole case needs to be investigated. I at some point tried to help by contacting supervisors and then a director in XXXX, XXXX, over the loan department. His response was very poor at that.. and at one point a supervisor, XXXX called me to tell me the loan had been approved and 2 weeks or more went by with only promises to my renter they would have docs soon and call him back. Well they never did. He was forced to move out because of their poor business practice. Kept telling him for at least a month the loan docs were coming. They told him everything was approved.. told me too ... They did try to charge him {$500.00} for filling out a loan application. Charged him for loan appraisals too.
PLease investigate this whole file.. Union Bank Has disgracefully performed!!
This man had a shot at buying a home for his family and Union Bank Shattered that dream.. did not act in good faith.. drug out the process causing him to loose his opportunity. I feel they lied about what they were doing on more than one occasion thus becoming a very unreputable lending Bank. Practicing poor business ethics at best.
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| 03/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Unauthorized charges are made on my credit card between XX/XX/XXXX - XX/XX/XXXX. Total 87 transactions of amount ranging {$19.00} to {$36.00} were made for total fraud amount {$2500.00} By looking at transaction pattern it is clear indication of some fraud but bank security could not catch it.
I noticed these charges in Last week of XX/XX/XXXX and called Union Bank. they promptly disabled the card and sent me new card and disputed charges and charges went away from my balance.
I got letter in mail asking to sign on each disputed charge and fax them back which I did no XX/XX/XXXX. OnXX/XX/XXXXwhen I logged in to my account, I see these charges was place again on my card and when I called them they were having no idea why charges are back on my card and escalated my case somewhere and promised me that someone will call me within 24 hrs. I received no call and having good faith that they are doing investigation and eventually will sort it out shortly. But no luck. I called again on XXXX XXXX as due date of my balance shows XXXX XXXX. In this call also they could not provide any satisfactory reason and said my case is with XXXX XXXX XXXX and they do not have any contact or email you can contact with them. But someone will contact you soon.
Whole day passed but no one contacted me on phone or email.
When I insisted they provide me that my work case # with them is # XXXX They do not know anything more beyond it.
|
| 02/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Union Bank has charged me a Loan application fee without my consent. Their claim is because I downloaded and printed the initial loan disclosures, I automatically consented to them and thus I've applied for the loan. There are many issues here. One, without being able to download/print, how can I review the initial disclosure let alone provide an electronic consent. They claim to be following federal reguation/guidelines but are unable to show me evidence of me providing consent. They even sent me a log which showed action as consented and subject as " previously consented '' which I have no idea how they reached that conclusion. The loan officer asked for my credit card to get the third party appraisal but instead, ended up charging me for Loan Application. Even in the initial disclosure, the Loan application fee is listed under Origination fees which only become valid once loan is approved. There is so much deceptive practice here that I am perplexed they are able to keep their license. Their VP of Customer Resolution Manager said I had completed an application, which was actually the application to get PRE-APPROVAL. That's the only application I completed or sent them. Yet they are claiming that I consented to their Initial disclosure but are not providing any proof beyond the print out that I have attached which again says " previously consented '' which I have no idea what it means or what its based on.
|
| 09/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
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Web |
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Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov
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| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2019 an unauthorized with drawl was made from our checking account in the amount of {$3000.00}. On XX/XX/XXXX we became aware of the problem and contacted XXXX XXXX. We were told that the money was electronically transferred to pay a XXXX 's credit card. We do not have a XXXX credit card.
The bank said they needed a signed letter stating the transaction was unauthorized. The letter was written and mailed return receipt requested. At that time they said an affidavit form was also required and they would put a form in the mail. On the XX/XX/XXXX we called the bank and again was told we needed a signed letter which was written, signed and emailed to their email address. As of that date the required affidavit had still not been received. On XX/XX/XXXX we called again and then were told that the affidavit had not been mailed and they would send it that day. The problem is that there seems to be a 10 day window for them to take action and the affidavit may not be received in time to return it. They did confirm receipt of the emailed, signed notification. Every time we call we seem to get different information. They have frozen the account and we can not even pay our XXXX bills. I have written them another letter explaining in detail everything that has happened. No response. We are a retired couple living on our Social Security and this {$3000.00} represents almost two months income.
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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I opened a savings account with Union Bank of California on XX/XX/2018. The branch address where I opened the account is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
After opening the account I waited for my ATM card to arrive in the mail. While I was waiting for my card someone somehow stole my card information and began withdrawing the money from my account. I have the envelope that the card arrived in. It was postmarked in XXXX XXXX on XX/XX/XXXX and would not arrive to XXXX XXXX until some time after that date. The first stolen withdrawal was for {$100.00} on XX/XX/2018 at my branch. The second stolen withdrawal was for {$40.00} on XX/XX/2018 at a branch across town. The last stolen withdrawal was for {$200.00} on XX/XX/2018 at my branch again. Upon seeing the fraudulent withdrawals I immediately went to my bank with my ATM card that was still attached to the paper that it arrived on and opened a claim and had the branch assistant manager destroy my ATM card. The card never left my apartment. No one knows my pin. It was still attached to the paper that it came on!
My claim to get my money back was denied. The bank told me that they would be in contact with me up to 30 days after the claim was filed. No one bothered to contact me to tell me that my claim was denied. I'm filing a dispute with their ruling because the card was not even in my possession when the first transaction happened.
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| 10/13/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.
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| 09/08/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Comment : Shame on you!
Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.
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| 05/30/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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On XXXX XXXX 2017 - I went to Union Bank in XXXX XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank. I then went to the XXXX XXXX branch of Union bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about XXXX XXXX 2017 I called the Ban k Manager at the XXXX XXXX branch - XXXX - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.
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| 10/04/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XX/XX/XXXX I received a banking alert that my balance was XXXX cents. I found XXXX fraudulent transactions pending for {$410.00} and XXXX. I called the bank immediately since I had the card so it had been compromised. The bank told me that they could not do anything until the transactions posted, usually 24hrs. They told me they could see they were fraudulent. The transactions did not post on my account the next day as they said. I called again and told me they could not help me. I asked what was going to happen to the direct payments that were coming through and I was told to put money into the account but that I would not have a new ATM card for another 10days. The transactions posted on XX/XX/XXXX. When I called to have them investigate I was told TEN DAYS. I was told that until then I was not entitled to a refund or any other assistance. They would call me once the investigation was over IF they were able to determine the charges were fraudulent. I told them I was left with XXXX cents and I was told that they could see they were fraudulent and they said this is their process. This account is my main checking account where my pay goes every 2 weeks. They took ALL my money so the XXXX cents is all I have. The bank tells me to put money into the account as a solution to this problem. Where am I getting this money? Are n't banks insured for this kind of things?
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| 08/11/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post.
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession.
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.
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| 03/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX from Branch Service Manager XXXX XXXX, after seven years as a customer, saying " This letter is to inform you XXXX XXXX, has made the decision to close the financial accounts referenced above. We do not believe it is in the best interest of the bank to continue your relationship with XXXX XXXX. Your accounts will be closed effective XX/XX/XXXX '' " As a result of this action, deposits will not be accepted after XX/XX/XXXX. Deposits made to your accounts may be subject to holds. Checks and debits presented for payment after XX/XX/XXXX, will be returned account closed. A cashiers check for any remaining balance will be mailed to you after the accounts close '' Their was no prior warning, nor was there any incident that would have warranted this response. The amount of time given is not sufficient. I am a retiree who receives SSA and retirement benefits through direct deposit. I have creditors who have to be informed of a new account and who need time to process this change through their system. Any creditors who have not been paid will have an adverse affect on my credit.
I have sent a certified letter to XXXX XXXX detailing the problem as well as calling XXXX XXXX Customer Service requesting a intervention. I have yet to get a response.
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| 09/08/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.
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| 06/14/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In speaking with Union Bank about refinancing, I was only information gathering. A few weeks later, I decided to move forward but with a different agent. The first one, XXXX XXXX, in their XXXX, AZ office, I felt was pressuring me to commit very quickly ; I now believe it was because she was trying to commit me to a 4 % loan just days before the rates dramatically lowered. When I then spoke with someone in XXXX, CA, he told me she had locked in that rate and there was nothing they could do for 90 days!! I did not agree to a rate lock. I did not authorize this girl to do so and now they were claiming because she did there " is nothing we can do. '' A couple days later I started getting calls/emails from 3 people ( XXXX XXXX and XXXX XXXX in XXXX ) and XXXX XXXX in the XXXX office. XXXX admitted in an email that this girl locked in this rate with no authority or consent, but all 3 have refused to apologize or quote me anything better than this horrible rate. Then I got a call supposedly from someone from the " office of the president '' but the president was not identified. I returned that call, got voicemail and no one returned the call.
All in all, I feel Union Bank was clearly committing fraud and using deceptive practices and when they were found out, they refused to apologize and make good. Truly a horrible, horrible bank.
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| 10/12/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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In my recent complaint case # XXXX, the Bureau decided to close my complaint without a resolution. Filing another complaint hopefully to offer more detail in my appeal. ****next line**** In light of my original HELOC inquiry, the banker should further clarify the following items 1 ) it did not FINALISE the removal of the lien as agreement upon the closure of the HELOC ( XX/XX/2019 ), instead, it took several weeks to complete the recording in county 's office after the closure 2 ) the banker did not inform me upon the recording, 3 ) the banker 's website suggests that as of today XX/XX/2019, the HELOC account remains open and valid, 4 ) the banker suggests a 45 days timeframe to answer my inquiry which is unacceptable. 5 ) The banker referred to a " reconveyor fee '' and a " demanding fee '' amounted to the " early termination fee '' that is irrelevant and nowhere found in the HELOC account agreement. 6 ) There is no subject amounts/reasons for fees associated with the said " early termination fee '' in the HELOC account agreement, this resulted in banker 's favour which would allow that the banker to arbitrarily impose fees with no caps upon the closure of the HELOC. 7 ) The bank provided irrelevant escrow documents to answer my complaint. Instead, it should explain the terms/condition in the HELOC account agreement.
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| 10/06/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.
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| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Servicemember |
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Each month Union Bank takes the transactions out of sequence on my checking account, which makes the account go into overdraft and then by adding late fees so that the balance is always negative and charging {$33.00} per overdraft, follow by XXXX per day for late fees per item. I feel they do this to collect extra fees that they are not entitle to receive. In addition, when you address the situation, they will only give you a partial refund of your money, and keep the late fees on account that should not have been there due to their mistake in the first place. I print a bank statement almost everyday, and always keep a copy of every receipt noted with the date and time, on several occasion they have done this, and the clerk will state that its your fault for not maintaining your account improperly. Sometime I just pull all the money out, so that they have nothing to lie about. Each time that have charge me as high as {$160.00} to {$390.00} dollars. and there excuse is that it takes a few days to receive a electronic transaction. I work in retail over the last several years, and most transactions takes no longer than 3 minutes to debit any account. I think its time someone looks into this matters, because it might be a lot of people suffering in silence because they may be too embarrass to say this is wrong,
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| 04/28/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I received three letters dated XX/XX/18, one for each of my accounts with MUFG Union Bank, Business Checking, and Personal Checking and Savings, indicating that they would be unilaterally closing my accounts on XX/XX/2018. The letters indicate that they must ensure that they are in Federal compliance with the USA Patriot Act and the Bank Secrecy Act, and that after reviewing my transactions, they have decided to close my accounts. I operate a legitimate business and have not made any business or personal transactions that would have triggered this action. I contacted their BSA compliance department, which subsequently returned my call indicating that they could not elaborate as to exactly why they closed my accounts and told me that there is no avenue to appeal their decisions. The BSA compliance department referred me to the office of the President. After several days I received a call from the Office of the President and they would not provide me any specific information as to why they closed my account, simply stating that the account agreement allows them to close the account at any time. By not providing me a basis for their closing of the accounts, I view this as either a false accusation of criminal activity or as simple and blatant discrimination against myself or the nature of my business.
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| 12/01/2016 |
Yes |
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Web |
Older American |
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Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}.
Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible.
" No way '' according to them!!!
This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments.
I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me.
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders.
What they are doing is definitely unethical and constitutes the highest level of greed.
This practice needs to be stopped immediately. Please help.
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| 04/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I have a recurring debit of {$12.00} that is being withdrawn from my XXXX XXXX XXXX XXXX checking account. The debit card servicer is XXXX . I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days. The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work! I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the XXXX company. So I called XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK! I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED XXXX NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? PLEASE HELP!
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| 03/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached.
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.
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| 10/19/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions.
After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account.
This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice
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| 11/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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MUFG Union Bank of California is holding my funds since the deposit is greater than {$5000.00}. Bank is reserving the right to do so past the 5 statutory days according to the FDIC directives. The held funds resulted in unsuccesful payment due to unsufficient funds on the account. The bank Ledger balance showed {$8400.00} prior to me making the payments to the respective vendors. Nowhere within the information available to me was there a note saying that the shown balance was actually on hold and for what duration of time. So BALANCE was showing positive until I made the payments. Only after doing so the existing balance of {$8400.00} turned into a - {$1900.00}. If the bank acted correctly and have shown the negative balance due to the HOLD on funds from the begining I would not attempt to make payments to anyone. Afterr calling the bank their representative advised me that they are well within their rights to do what they did even after i pointed the fact that the BALANCE was shown positive before the payments were made. The deposit was made on the XX/XX/2019 and they are holding the funds over {$5000.00} untll the XX/XX/XXXX according to the representative and the letter I received today XX/XX/XXXX. According to the document the {$3200.00} are held for 10 calendar days.
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| 10/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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I called to close my bank account because I have moved states. I was told I could not close due to a monthly fee of {$5.00} that I had been charged for not using the account enough. This {$5.00} charge overdrafted my account by {$1.00}. I transferred {$5.00} to the account the same day and it posted the following day. Meanwhile, Union Bank began charging me an additional $ XXXX/day for a continued overdraft fee for 5 days. I transferred {$40.00} to my account again and called customer service. They reversed the overdraft fees and said my account would officially be closed at the end of the day XX/XX/XXXX, and the remaining balance would be mailed to my new address. I checked my account today and Ive been charged {$41.00}. {$2.00} remain in my account. I called and asked why Im being charged anything today when my account closed the day before and had no pending charges yesterday. The only information they could give me was that it was a branch charge, and they could give me more information tomorrow, but could do nothing until XX/XX/XXXX because the branch is closed. I do not understand why I would be charged {$41.00} if Im just closing my account. I have been trying to close my account since XX/XX/XXXX. It is beyond ridiculous at this point, all of these hidden charges.
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| 09/07/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On Friday, XX/XX/XXXX, I visited the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA. I have a HELOC with Union Bank, with a balance of about {$15000.00}. I approached the teller and stated that I wanted to write a check from my XXXX XXXX XXXX checking account for {$2000.00} and apply against my HELOC balance. The teller instructed me to write the check payable to " Union Bank, '' which I did. The teller processed my check and I left the branch. On XX/XX/XXXX, XXXX XXXX XXXX XXXX online banking showed that the check was cashed by Union Bank. However, I did not see that this check had been applied to my HELOC account balance at Union Bank. I called Union Bank on XX/XX/XXXX and after the customer service department contacting the branch manager ( XXXX ), I was told that the Branch Manager was aware of this check and that the {$2000.00} payment would be applied to my HELOC balance " the next morning '' ( morning ofXX/XX/XXXX ). However, this amount was not applied to my balance the morning ofXX/XX/XXXX, so I called Union Bank customer service again. They ( again ) contacted the branch manager ( " XXXX '' ) who told the customer service rep that they were not sure what happened to the funds. They refused to talk to me directly. Meanwhile, I am out {$2000.00}. Thank you.
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| 02/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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My daughter received FEDERAL GRANT MONEY for school. On XX/XX/2018, for the THIRD time, the bank has taken that money, which legally is supposed to be untouchable, from the account. Each time, they've charged several hundred in overdraft fees which were only incurred because they WRONGFULLY took money from the account for a credit lien on ME. They are refusing to refund these overdraft charges, despite acknowledging their own error led to them. My daughter has no liens or levies. The federal grant money would be untouchable even if she did. The bank is refusing to give us back money they've essentially stolen. I have tried to remove myself from the account but they are insisting I have to fly back to California to do this and I do not have the funds to do that. They refuse to do it without me physically present. They also refuse to let my daughter close the account. Between the XXXX and the XXXX, they took {$160.00} + {$66.00} in overdraft fees, the second amount being taken AFTER they put the original {$390.00} back in the account, so it was no longer overdrawn when they added those alleged " overdraft '' fees. This is straight up theft.
The bank is XXXX XXXX XXXX XXXX My branch is the XXXX XXXX branch but it is their legal department that I am having issues with.
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| 03/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
Older American |
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Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake.
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank.
I reported this to the police. Case number is XXXX. Copy of the police report is attached.
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
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| 06/18/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Company closed your account
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Web |
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To Whom It May Concern : Have been a customer of with PurePoint Financial, an online division of MUFG Union Bank.
I repeatedly complained to various government agencies about their practice to interrupt outgoing transfers to their benefit at expense of the customers. I currently have a 13 months CD with them, opened XX/XX/2019. On XX/XX/2019 between XXXX and XXXX XXXX PST a person identified herself as XXXX ID XXXX manager at PurePoint Financial demanded over the phone as I complained a lot in the past about their fraudulent practices I am to close the CD and transfer the money out or, if I do not do it she stated the bank will close it itself in several days and send me a check, thus keeping the money interest free while I receive the check and transfer it to another institution. It is important to note that they offer lower interest now on the CD compare to what I received, so closing it is to their financial benefit. And she stated the bank will not pay any interest of penalty for itself breaking the CD long before the maturity.
I clearly stated I DO NOT intend to close the CD and DO NOT give the bank a permission to do that.
She stated it is irrelevant and hang up on me.
Sincerely, XXXX XXXX
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| 11/14/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I went to Union Bank XXXX XXXX XXXX on XXXX/XXXX/2016 early morning. I asked XXXX XXXX to reissue a cashiers for me because the spelling of the name of recipient was wrong. She rejected, and told me to go to downtown Union Bank that issued the check. I am so surprised that same Union Bank do not honor its own check.
I had no choice but went to downtown LA Union Bank, the traffic was so bad, I stuck on freeway over an hour due to the oil pipe was leaking. Union Bank LA told me that any Union Bank shoud issue another check for me.
I went back to XXXX XXXX Back in the afternoon. After I told my story, branch manager told me that he wanted to hear what XXXX XXXX said instead of checking the record to see if I went to XXXX Bank. He said that he will coach XXXX XXXX if it is true. I believe he should coach XXXX XXXX before she started working in Union Bank. Anybody with brain should not reject the check of its own bank. I was so surprised what a branch manager did to me, so I said no wander the teller did what she did. He said to me immediately that he did not believe what kind of customer I am. He encourage me to complain against him.
My checking account # XXXX XXXX XXXX Extra Account # XXXX
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| 03/22/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX/XXXX/2017 around XXXX I begin to receive text alerts from my Bank Union Bank also known as MUFG Union Bank stating there was unusual activity on my account. They verified me and confirmed my ATM card was in my presence. While speaking with them and going over transactions, the fraud agent proceeds to tell me I would not be able to file a claim on the transactions until they process and come out of my account.
I have a Checking and Savings account, the savings account also acts as the overdraft protection component to my checking, not only did they pay the transactions, the went into my savings account depleted it. Upon my multiple calls to follow their horrible policy, I 'm told I would have to return the money to my savings account ( are they serious ) I made to wait until XXXX/XXXX/17 to have the money returned, well here we are at XXXX/XXXX/17 only a small portion of money was returned, not a dime of my savings nor have the overdraft fees been restored. I need help to make them accountable for their horrible actions towards their customers and I need all my money returned unto me, every red cent. This Bank has stolen money from me with no accountability for me the consumer.
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| 04/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
Older American |
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I tried to close my IRA Account with Union Bank because I am unhappy with their service.
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.
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| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On behalf of our client XXXX XXXX, trustee of the deceased borrower XXXX XXXX, we have been working on trying to get legal fees remove the deceased borrower loan. The borrower died in the property last year and was found by family member end of XX/XX/XXXX. He fell behind not because of negligence he DIED. Union Bank made fun of the fact that family did not know he had passed away and have been doing everything they can to make this process even harder for the grieving family. We are currently in escrow and scheduled to close XX/XX/19 and the foreclosure auction is scheduled for XX/XX/19. I have requested an extension of at least 10 days just in case something goes wrong and they denied our request. Not only that, we ( Escrow and I ) have requested a payoff demand multiple times with no luck. They claimed that they did not received our requests or that the requests were invalid. This transaction will pay them off in FULL this is not a short sale. Union Bank is trying to steal the equity of this home from this grieving family. All we ask for is at least 1 more week if not 10 days to close escrow and they will have full payoff.
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| 11/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor XXXX, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.
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| 01/27/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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To Whom It May Concern, RE : // Union Bank Loan Number XXXX ; HELOC ABUSE ; ELDER ABUSE Union Bank is refusing to allow me to take out money from my {$250000.00} already approved HELOC because they claim I didn't have insurance on my houses when in fact I did with XXXX XXXX XXXX . I provided the proof again despite having it, they had it for the last three years.
Then, they claimed there was fraud on the account yet, they can't provide any recorded statement or documentations of who reported fraud.
Worst, they terminated my account by mailing me a letter dated XX/XX/2019, by stating, " the account has been closed and there is no longer an outstanding balance. '' I BELIEVE UNION BANK REPRESENTATIVES ( THEY FIRED ALL THEIR OLD EMPLOYEES, AND HIRED NEW ONES ) ARE COMMITTING FRAUD AGAINST ME BECAUSE OF MY SENIOR CITIZEN STATUS AND MY XXXX.
EVEN THE BRANCH MANAGER, XXXX XXXX SAID, " THEY ARE WRONG TO DO THIS. '' HER TEL. ( XXXX ) XXXX.
CAN YOU HELP ME GET MY ACCOUNT NO. XXXX REINSTATED BECAUSE THEY ARE DISCRIMINATING AGAINST ME AND ARE ROBING ME OF MY {$250000.00}?
Sincerely, XXXX XXXX
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| 07/16/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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The bank I am filing a complaint about is XXXX XXXX. On XX/XX/2018 I initiated an ACH transfer out of my XXXX XXXX savings account to a previously linked external account that was verified by 2 ACH micro deposits. XXXX 's fraud department contacted me to verify the transfer which I did, but they said they don't " like making transfers out of the bank since they want to hold onto the deposits. '' The funds were available and within their published dollar amount limits so they made the transfer. However, they threatened not making another transfer in the future.
Today, XX/XX/2018 I initiated another transfer out of my XXXX savings account to another VERIFIED external account but the transfer was rejected. This external account was VERIFIED by ACH test deposits and the transfer was within XXXX 's published dollar limits.
XXXX is not allowing me to move funds out of my account with them. The funds are listed as available to me and again, the amount of the transfer was within XXXX 's published limits.
I want XXXX XXXX to allow me to access my funds when I want based on THEIR published rules.
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| 10/08/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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Hello, I am receiving emails from Union Bank regarding email update, confirmation of password change, and alerts of large withdrawal on an account that I DO NOT have with this bank. I have contacted them a number of times, they confirmed with my social security number that I provided, that I do not have an account with this bank. To confirm that I do not have an account, thinking that there might be identity fraud involved, an Experian credit report showed that I do not have account with this bank. At the last time that I contacted them in early XXXX, I was transferred to speak to the local branch manager. She said that she would investigate and contact me, which never happened.
In a nutshell, I am receiving Union Bank emails that do not belong to me, as I do not have an account with this bank. Contacting them about the emails has not stopped in my getting these emails. Whoever this account belongs to, that person is not getting the emails.
ThanksP.S. Will be attaching the emails. They were sent to my XXXX account, which I have set up to forward to my other personal email account with XXXX.
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| 08/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
Servicemember |
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Union bank charged me around {$120.00} worth of over overdraft fees. They charge two separate fees for the same overdraft. {$33.00} plus {$6.00}. All due to the monthly charge they billed me for ( {$10.00} ) because I was on XXXX and not receiving regular direct deposits from my job ( which I was not informed I would be charged the fee and I have had my account since 2016 and went through periods without direct deposit and never had to pay before ). One {$25.00} payment ( which I was depositing the money until I saw I was negative {$10.00} that night and could not speak with a representative until the morning ) and a {$10.00} monthly fee, cost me around {$120.00}. They submitted this payment 3 times. I think this place is the greatest public agency established to date. I actually wrote a letter to Mr. XXXX about XXXX XXXX doing this when the CFPB got started. Shortly thereafter, his team ( all of you, thank you for your service ) investigated and XXXX XXXX wound up in big trouble. What Union Bank is doing is wrong and they should be punished just like the other financial institutions.
|
| 08/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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Today, I attempted to use my debit card for gas to get to work and it was declined. At my lunch break, I reviewed my account to find out that Union Bank has shorted my account {$88.00}. After my withdrawal of {$1000.00} ( not including my deposit of {$7200.00} ), I had {$620.00} left. I calculated all of the charges since that date and have spent {$540.00}, which leave {$88.00} missing. Thank XXXX I had a credit card or I would have been able to get to work today. I am very livid and XXXX off that I don't have access to my own money. I should not be overdrawn {$210.00} as stated on my account balance. Unless my XXXX XXXX XXXX and prior education has taught me Math incorrectly, this is completely incorrect. I would like to find out how to file suit against Union Bank or if their is something the CFPB can do about this. Union Bank should not be stopping anyone from utilizing their own money. Now, I have to figure out how to survive until this matter is straightened out. I have been not only inconvenienced but put in a place of hardship that I should not be experiencing.
|
| 01/16/2017 |
Yes |
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Web |
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After years of trouble free credit card usage, approximately four months ago Union Bank of California changed its XXXX credit card service from XXXX to a Union Bank based service in XXXX. With every statement since then, I have been charged interest in contradiction of the " grace period '' provision of the account service agreement as the outstanding account balance has been paid on time and in full as it has been set up to autopay from my Union Bank checking account. I have called to complain with each new statement and have had the charge successfully reversed each time and have received assurances that the problem was an oversight and etc. The conversations have been of the " boiler room '' variety with nonsensical and clearly false information being provided to me. The issue seems to me to be that the card provider is trying to catch people who do not carefully look over their credit card statements. A bank employee who I talked to about the issue said that the same thing was happening to him. I hope you can investigate and induce them to correct this practice.
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| 02/26/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
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I made an online bank transfer from my Union Bank account to a third party account at XXXX XXXX XXXX XXXX. Amount was for {$3500.00}. I made the transfer on XX/XX/XXXX. As it was a holiday, the bank scheduled the transfer and said the process will take 2 days.
Money was taken out of my checking account on XX/XX/XXXX. As of XXXX Pacific Time on XX/XX/XXXX. The beneficiary still claims to not have received the funds.
I made several contacts with my Union Bank and they insist it usually takes 3 business days and to wait. They said the online method I use for transferring the fund was via External Transfer and not a wire transfer. They couldnt even supply any financial tracking reference numbers or records showing the amount has been transferred and to the proper account. They said that if by XX/XX/XXXX the beneficiary hasnt received the fund, I should make a dispute claim which can take 7-10 business days to return the funds. I feel this is taking advantage and unfair on the consumer as they need to be responsible and accountable for handling your funds.
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing.
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?
3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.
4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.
5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.
5. Union Bank responded to my previous complaints but their responses are not satisfactory.
I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.
|
| 05/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.
|
| 12/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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MUFG Union Bank, N.A. sends promotional emails to existing clients to induce them into spending more on their existing Union Bank accounts, with offers, among many : " Earn up to a {$50.00} statement credit on your everyday purchases. Here 's how : Click the Activate button for this special offer by XX/XX/XXXX Then simply use your card to make purchases during the promotional period from XX/XX/XXXX through XX/XX/2019.
You will be rewarded with either a {$25.00} statement credit when you make at least {$500.00} in Eligible Purchases, or a {$50.00} statement credit when you make {$1000.00} or more in Eligible Purchases during the promotional period. '' Once activated and met spending requirements bonus never get posted to the account Customer service representative on the phone does not see the promotion on the account. However, the email has been sent and enrollment confirmed with a separate email. The spending requirement of {$1000.00} during the month of XX/XX/2019 has been meet. The {$50.00} statement credit never posted to the account.
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| 01/30/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I asked Union Financial Services to transfer a XXXX XXXX account ( ~ {$630000.00} ) to Union Financial Services and manage that account. I understood a fee would be charged for the service. After the account was transferred I learned Union Financial Services was also charging a fee for my IRA ( ~ {$260000.00} ) account without my instructions. Union Financial Services Compliance Analyst, XXXX XXXX and XXXX XXXX sent me a letter with a copy of the transfer request with the copy of the Managed Account New Account Application for the Account being transferred From XXXX to Union Financial Services as proof that I wanted Union Financial Services to manage my IRA account. I asked for a copy of the application that Union Bank Financial services alleged that I signed for managing my IRA account and Union Bank Financial Services was unable to provide that document. Union Bank Financial Services also advised me that they decided to close my IRA account and other accounts as punishment for asking the details of my investment accounts.
|
| 08/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I applied to refinance my mortgage. It took only 34 days to close on the purchase of my house with 2 banks as I have 2 mortgages. I worked with people at XXXX and Union Bank ( UB ) to refinance. After 5 months, still nothing. Expecting my first child, we had expenses to put on credit cards since UB wouldn't tell us how much cash to bring to close and when we would close. We were supposed to close in 30 days, then pay off the credit cards. Instead, because we had to keep the cash to close and it took them over 4 months to move, our credit score went down ( because they were too slow ). We have the cash to pay it off, all we need is to know what card to pay and rescore us. This is a very common thing to do and it takes only 2-5 days. Instead they refuse to do that for unknown reasons. They took too many applications and can't handle the workload. They are too slow and incompetent. After months, all I have is 1 ) lower credit score 2 ) money lost for the appraisal and 3 ) a disclosure from them with the wrong rate on it.
|
| 11/23/2017 |
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
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|
Web |
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My account at Union Bank of California is XXXX. This is a business checking account. I have a mastercard cash card. On XX/XX/XXXX a charge of {$2200.00} was run on the charge via mastercard to " XXXX '', which is a division of XXXX. I did not make this charge, and immediately disputed it. I went to the office of the bank several times and discussed this with them and filed a complain in writing. I spoke with XXXX XXXX, XXXX. A month has passed now. So far all I have gotten from them is excuses, but there appears to be no plan to ever return my money.
Once they realize that a charge is fraud they should return the money right away. There is no question that this charge is fraud. I did n't buy anything from XXXX.
When I go to a bank and make a deposit it is to keep the money safe. It is their responsibility to keep it safe. Union bank seems to feel no obligation to me, as a depositor, to keep my money safe. I am very unhappy. If they do n't want to protect my money they should not be in the banking business.
|
| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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|
XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity.
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided.
XX/XX/2018 Called phone customer service only to realize no claim was opened.
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up.
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it.
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet.
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned money.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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In late XX/XX/2017 I had a conversation with Union Bank about wanting to close my checking account. I no longer live near the branch where I opened the account. I was told that I would receive a check for the balance in my account which was {$380.00}. A short time later I received a check for {$370.00}. I called the bank to see why {$12.00} had been deducted from the amount I was told I would receive. I was told there was a {$2.00} bank charge and a {$10.00} cashier check charge. I stated that had I know those fees would be deducted I would have written myself a check for the full amount and then closed the account. I was told that someone would review the recording of the conversation when I requested that my money be sent to me, and if, indeed, I was not told any fees would be deducted then I would receive the full amount. I never heard back from the bank on whether the call recording was reviewed. Then when I contacted them repeatedly after some time had passed they refused to send me the {$12.00}.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I have an IRA Annuity statement from XXXX , with Union Bank in XXXX XXXX CA. The statement gives Union Bank Fe d Tax ID # XXXX . It is a Fixed Rate IR A wit h Maturity Date XXXX . Earliest distribution date without penalty is XXXX . The required disbursement date is XXXX . The beginning balance from XXXX was {$2900.00}. The ending balance as of XXXX was {$2900.00}. No withholdings are showing. Approxima tely two wee ks ago from today, around XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their Investments Group at # XXXX . Th e Investments Group to ld me to back to the IRA department. So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at XXXX . FDIC told me to call t he Office of the Comptroller of the Currency at XXXX . Th e OCC the n told me to call you, CFPB, at XXXX . This is why I am writing to you now.
|
| 03/01/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
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I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.
|
| 01/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
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I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.
|
| 01/20/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}.
The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked me.
|
| 11/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}.
I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX.
Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX.
I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now.
On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either.
How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.
|
| 11/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.
|
| 08/11/2015 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
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I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?
|
| 03/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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|
XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.
|
| 03/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name.
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.
3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.
|
| 10/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Seniors should be especially wary of doing business with this company.The Union Bank may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.
|
| 05/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}!
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!
|
| 10/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank.
|
| 08/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.
|
| 10/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX.
XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '.
I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder.
I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.
|
| 09/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Greetings, I had a HELOC account and recently decided to close it with MUFG Union Bank.
Upon the closure of the escrow, the bank failed to release the lien on the deed and claimed it will take XXXX days to BEGIN documenting it with the county office. The account was paid in XXXX and the escrow was close on XXXX-2019.
The banker also failed to disclose the cost upon the closure of the account, resulting a {$480.00} fees at my cost as the borrower. ( As attached computer screenshot ) After several discussion with the bank 's representatives, it is frustrating and unjust to learn that they can only send out a letter stating the account was paid in full and due to a " CLOSE '' which is false statement, since the lien stay on my deed, and the information on their website is highly inaccurate.
|
| 01/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars
|
| 06/21/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American, Servicemember |
|
I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.
|
| 08/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.
|
| 11/16/2016 |
Yes |
|
|
|
Web |
|
|
I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.
|
| 09/26/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I closed my savings account on XX/XX/2019 By filling up a withdrawal slip writting the date and {$1000.00} and XXXX XXXX XXXX XXXX and signed it on the spaces provided. The teller however asked me to sign another slip of paper and did not used the withdrawal slip that I gave her. Please let me know what happened to my withdrawal slip that I gave to the teller and the slip of paper that the teller asked me to sign. What is the slip of paper the teller asked me to sign?
I did not receive a letter from the bank informing me that the account is closed. Please send me the letter informing me my savings account was closed when I withdrew the balance of the account of*** XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX.
Thank you.
Thank you.
|
| 07/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
Union Bank is operating a sneaky ruse to get people to open credit card accounts. They offered a balance transfer from a current credit card to a new credit card with their bank at 0 % interest for, I believe, 15 months. So I asked that XXXX of debt be transferred. Well, they didnt transfer any of my debt, but opened a credit card with a XXXX available credit. I wanted a balance transfer for XXXX or bust. Sure, they are now willing to close the account, but this opening and closing of a credit card is not good for my credit rating, and I resent them opening an account different from what I applied for. They didnt even transfer the XXXX available credit they awarded me. It was all just a ruse to get me to open a new credit card!
|
| 02/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with Union Bank on XX/XX/XXXX, using a promotional brochure promising to deposit {$200.00} into my account 100 days ( after date of opening account ) if I had a direct deposit ( of {$500.00} or more ) within 60 days of opening the account. My direct deposit ( monthly Social Security payment ) when through on XX/XX/XXXX -- and again on XX/XX/XXXX and XX/XX/XXXX. My account is current and in good standing. I have had no overdrafts.
I have been assured that I have met the criteria to receive the {$200.00}, but I have not received it. It should have been in my account on XX/XX/XXXX. No one at the bank can tell me when it will be deposited. This situation violates the terms of the promotional agreement.
|
| 09/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Received threatening call at my place of work. Caller identified himself as XXXX XXXX from XXXX XXXX. He verbally called me names such as " XXXX '' " Lying XXXX ''. Threatened to garnish wages, sue for total of {$15000.00} when judgment only states {$5000.00} and not mentioning of any current legal law suit or legal documents to state his facts. Furthermore, I verbally requested for them not contact me at work or during working hours and verbally requested all notifications to be done via letters by usps mail ; however, they keep calling. Collector stated that he does n't have to contact via mail and that he can do whatever he wants. I am concerned for my well being and mental health if this does n't get resolved ASAP.
|
| 01/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a union bank checking account in XXXX. I do enrolled a promotion XXXX dollar if i make 3 bill payment in 60 days. When I opened the account. I confirmed my promotion code attached my account with banker. They double checked said yes to me. So I made 3 bill payment in XXXX which is in 60 days. I wait for the bonus still not get pay from bank at XXXX. I called their customer service. They said I have to wait for 120 days to get bonus. So I called today XXXX. They changed the story said they didn't see my offer. I have to go back the branch to see what happend. Now I felt they treated customer like a football. They tried to find a excuse to refuse the bonus. I think they promised it. They should honor it.
|
| 11/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I received a letter dated XX/XX/19 from Union Bank stating that they are closing my account. I called the phone number on the letter and a automated system answered as Union Bank BSA Compliance Department. It instructed me to leave a message and that they would call me back within 2 business days. They called me and would not give me a reason why they are closing my account. They informed me that I am not able or allowed to open another account with them either. I feel as a consumer that I have a right to know why they are doing this. I have handled my account in good standing for 17 years. I have never overdrawn my account or written bad checks so I'm very confused why they decided to close it.
Thank you.
|
| 12/08/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.
|
| 04/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX.
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. Thank you
|
| 05/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..
|
| 02/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks
|
| 05/04/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
On Monday, XXXX XXXX, 2016 at XXXX I submitted a transfer of funds from XXXX XXXX XXXX bank to Union Bank for {$5000.00}. At XXXX PST I received a confirmation email that this transaction had been processed. This morning at XXXX I accessed my account at Union Bank in order to pay some bills. The {$5000.00} transfer was not there. Later in the morning, I checked again, and it was still not there. I called Union Bank and was told by two different people that there had been a " delay in processing deposits and we do n't know when it will be resolved. '' I do n't have access to my {$5000.00}, and would like immediate access as I have mortgages and bills to pay.
XXXX XXXX
|
| 07/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Hi I applied for a credit card with unionbank and it was on hold and I called in and I verify information with the credit card underwriting rep and it was declined due to not verify information but yet I received a call from union bank and I had a active fraud alert and I Verify my information with the rep and today I received a letter saying my application was declined because I didnt verify information and I called unionbank today on XX/XX/XXXX and the lending rep was rude to me and told me I didnt answer the questions right and I explain to him there is no questions was answer to me at all ... and I would like this application XXXX to be reopen by a supervisor
|
| 09/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I had an account with Union Bank until 2018. I was supposed to receive a 1099 INT from the bank for the account opening bonus I earned. However, the bank never sent me one. When I called the customer service phone number and spoke for almost an hour, the bank wanted me to come to a branch to collect the form whenever they got around to mailing it. No one has committed to mailing any form or acknowledging that the form would be created. In the meanwhile I am expected to keep polling the branch if they got any mailed form for me. Why does the bank not follow regulations and mail the 1099 INT form to my home address as required by law?
|
| 11/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a call from MUFG Union Bank, N.A. on XX/XX/XXXX/2019, and they stated that I did not make payment to my previous mortgage company, XXXX for XX/XX/2019.
For one, why is another mortgage company trying to collect for another? If my problem is with XXXX, then they alone should call me. And why is this problem 2 months old?
There is no problem, and MUFG Union Bank is unfairly harassing their customers due to their incompetence. This has happened with another complaint I have filed with the CFPB and occurred with another mortgage payment that I provided proof.
I have included a snapshot of payment made to XXXX.
|
| 07/22/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.
|
| 10/13/2016 |
Yes |
|
|
|
Web |
|
|
Recently I received a credit card in the mail from Union Bank. I have my personal and business accounts with Union Bank. I never authorized nor requested a credit card. When I called them to say I wanted the account closed and requested they code it as opened in error, they told me the card was issued as a result of a recent merger. This makes no sense to me. This was not an offer to obtain a new card. This was a new credit card opened that showed up on my credit report and was not authorized. In light of the recent XXXX XXXX sales practice I am wondering if Union Bank is acting in a similar manner.
|
| 11/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I received a phone call from MUFG Union Bank N.A. on XX/XX/2019 for my XXXX mortgage payment. I told the agent - and sent them proof - that I sent a Priority letter with the cashiers check from XXXX on XX/XX/2019 and it arrived at their XXXX XXXX facility on XX/XX/2019.
I called XXXX XXXX to see if the cashiers check was cashed, and it was not. I have included the proof of delivery for the Priority mail, and the cashiers check stub.
On XX/XX/2019, I called MUFG Union Bank, and they said that mortgage was paid, but the other day I received a letter saying it was not.
This company is XXXX.
|
| 09/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.
|
| 02/01/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails.
Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit.
For weeks, my money has been stuck.
I complained to the bank, sharing that I 'm under threat of a margin call.
Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!
|
| 09/13/2016 |
Yes |
|
|
|
Web |
|
|
Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.
|
| 05/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I over paid the balance on my credit card and asked it to be returned back in XXXX. As of the date of this complaint I still haven't received the money and now think they should pay interest at my current card rate since the time they have said they sent the money owed to me. My last inquiry was in XXXX at which time I was informed again that the check had been sent again. I still haven't received any check and I am tired of being told it was sent.
They charge interest on my balances so now they should pay me interest on the balance they owe me.
|
| 01/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I closed a home equity account with Union Bank in XXXX of last year. The Bank states " refinance your account with a new mortgage product with Union Bank.. '' ( letter dated XXXX XXXX, 2017, from Union Bank ) which was done in XXXX.
However, the Bank continue to send statements bearing the account number from the old terminated account, and refuses to explain why. This old account had some undesirable features that I do not want to continue. When I request the source documents from the new mortgage account I get no reply.
|
| 09/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Union Bank Claims Operations completely failed to assist me in recovering funds for three transactions totaling over {$1100.00} for goods not received. I have been trying to get the resolution since XX/XX/2019. I have been bounced around for many weeks and I am still without the goods and money. On numerous accusations, I have been told that they do not offer protection for the debit card with the MasterCard logo used to pay for goods in cases when goods are not received. They offer zero consumer protection.
|
| 06/13/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
I visited the bank in XXXX XXXX Florida with all the necessarily paper work.
The young lady prepared the forms and said everything was in place and all I need do was wire the funds to their bank. I arranged for the money to be wired to the bank but it was rejected because the paperwork as prepared by their representative was incorrect.
The money was returned to my bank less {$50.00}.
I have spoken to a manager and he has not arranged for return of my missing {$50.00}.
It has been 3 weeks and no response.
|
| 02/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
I applied and provided {$3000.00} to obtain a secured credit card in XXXX 2017 from Union Bank of California. The card was stolen from the mail. The closed their investigation on XXXX XXXX, 2017 in my favor. I called today to get the status of my card and they advised that I was was delinquent on my account and that I could not receive my card until the bank investigates further which may take another four days. If I had not of called the bank on XXXX/XXXX/2017 I would never of received my card.
|
| 05/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is XXXX XXXX XXXX XXXX.
|
| 10/08/2016 |
No |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.
|
| 08/29/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
I have been trying for the past several days to open an savings CD account with XXXX XXXX XXXX. They have repeatedly refused to allow me to puchase a 12 month CD at their advertised rate, citing " internal controls, '' but providing no specific reason. After numerous telphone conversations, they have maintained that position. I don't know if they are engaged in some kind of bait and switch, or other type of scam, but based on reviews, they appear to be doing this to others too.
|
| 06/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here ....
XXXX XXXX
|
| 12/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.
|
| 03/02/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.
|
| 04/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.
|
| 02/23/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.
|
| 04/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?
|
| 06/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I'm unable to use my XXXX checking account as intended. There is a problem where I can't make transfers inbound or outbound and randomly get locked out of my account. When I go to call in, support says they will look into it but never call me back. I want the issue fixed with a fully functional account or the account closed and a check mailed. This " suspension '' is causing ripple effects with other Banks and I have no idea why.
|
| 01/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello sir My name XXXX XXXX and I have got union bank credit card .credit card number is XXXX.this credit permanentlly closed month of XX/XX/2019 and pay full credit limit balance but this card payment due to continued till dated and 12 missed out payment show my credit score and my credit score impact due to this union bank credit card plz checked and correct information provide to credit card beuro report
|
| 02/28/2019 |
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
|
|
Web |
|
|
I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000
|
| 12/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.
|
| 01/20/2020 |
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
|
|
Web |
|
|
Account Holder Very Concerned, the Union Bank Mal-Purposefully Tweaking, the Account Holder 's Credit Card Payment Schedule, to Wait Until the Account Balance Exhausted, Conducting the Bill Payment, and Incurring Un-Reasonable NSF Fees.
( Mal-Intentionally NSF Fee Charging, the Account Holder. ) Problem Bank : Union Bank.
www.unionbank.com -- Account Holder : XXXX.XXXX. ( SS # : XXXX. )
|
| 03/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Union Bank has charged me service fees for an account that has previously ( for more than one year ) been free.
Further, there are unknown debits on my account that I wish to address.
In my efforts to receive assistance from Union Bank, i've done nothing more than waste four hours of my day with people who chose to be rude, XXXX, difficult, and abusive.
XXXX XXXX XXXX
|
| 02/07/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
Attached is a periodic email communication I receive from PurePoint. Is it really fair to permit them to limit the interest rate comparison of their savings account product to other banks that pay less interest? Isn't this cherry-picking and misleading and fraudulent to permit them to omit from this comparison banks that pay more in interest than PurePoint.
|
| 09/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We were refinancing our house with Union Bank in XXXX. We received approval of the loan - then the bank decided to add another point to the loan after approval. The loan had taken six weeks to process when I asked what was taking so long and why they added a point after approving the loan. They finally said they had decided to cancel the loan.
|
| 02/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I believe they allowed a debit transaction to go through which made my account over. Then they charged me {$10.00} over draft plus a {$6.00} a day fee for several days. For over {$60.00} in fees when I was only over maybe {$20.00}. I think this is predatory and wrong. They are doing the same thing as XXXX XXXX. Please investigate.
|
| 06/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
See original complaint XXXX about MUFG UNION BANK , NATIONAL ASSOCIATION. The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process. I told them this was unacceptable, on XXXX / XXXX / 17 , and they have not responded.
|
| 10/19/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Union bank refused my access to my CD account that is worth {$110.00} XXXX dollars. They Denied recognizing the Payable on Death set up with the account. They denied a transfer I made to have my funds transferred to by other financial institution. They also refused to mail me a statement of my account.
|
| 09/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My Union Bank had deducted an amount of {$1800.00} from my XXXX XXXX on XX/XX/XXXX.
The credit was not available on the XXXX of XX/XX/2019. I called the customer service people at UB Credit Card ; who said it is totally at their discretion as to when they release the funds - is this possible?
|
| 10/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.
|
| 11/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
They refuse to process my application I called them to tell them I have a fraud alert and they need to do verification they refused very nasty to me all for a credit card unbelievable they dont care for me the applicant the consumer told me to wait
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Union Bank is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with union bank in XX/XX/2018. please remove this from my account.
|
| 01/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.
|
| 12/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
did not submit a properly the money transfer to a credit card.
does not have the wire transfer amount ready. from the california lottery.
XXXX union bank of california XXXX, calif. XXXX www.usa.gov
|
| 04/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on
|
| 08/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
we have more than 15 year with this bank and the last week they sent me a letter where say that they going to close my 2 checking accounts.
|
| 07/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.
|
| 05/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
union bank mis directed funds without my consent., over drafted the account now the have sent it to collection to the XXXX XXXX XXXX
|
| 05/07/2018 |
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
|
|
Web |
|
|
When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.
|
| 03/26/2019 |
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
|
|
Web |
|
|
There are inquiries on my credit report that need to be removed. I did not sign nor authorized such inquiries.
|
| 09/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Union bank reported me to XXXX and ca n't tell me why.
|
| 02/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 01/16/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 01/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/10/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/06/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/23/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
Older American |
|
|
| 12/03/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 11/25/2019 |
Yes |
|
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 10/24/2019 |
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
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 10/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 09/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Phone |
|
|
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Postal mail |
|
|
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/10/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 08/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 08/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Phone |
Older American |
|
|
| 08/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 08/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/08/2019 |
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
|
|
Web |
Older American |
|
|
| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 08/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/02/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Postal mail |
Older American |
|
|
| 08/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American, Servicemember |
|
|
| 07/24/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Referral |
|
|
|
| 07/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/12/2019 |
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
|
|
Web |
|
|
|
| 07/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 06/06/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/06/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Postal mail |
|
|
|
| 05/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/28/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
Older American |
|
|
| 05/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/01/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 04/23/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Postal mail |
|
|
|
| 04/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 04/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Postal mail |
Older American |
|
|
| 04/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 03/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Referral |
|
|
|
| 03/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 02/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 02/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 01/08/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 01/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 12/28/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 12/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 12/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 12/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
|
| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 11/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/08/2018 |
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
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/28/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 10/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 09/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 09/12/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 09/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 09/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 08/15/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 08/13/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
Older American |
|
|
| 08/10/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Referral |
|
|
|
| 07/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 07/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/17/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 07/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 07/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 06/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 06/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/01/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Postal mail |
|
|
|
| 05/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/15/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
|
|
|
| 04/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/11/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Servicemember |
|
|
| 04/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Fax |
|
|
|
| 04/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 03/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/23/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
|
| 03/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 03/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 02/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Postal mail |
Servicemember |
|
|
| 02/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/13/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 12/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Fax |
|
|
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 12/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Referral |
|
|
|
| 12/04/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American |
|
|
| 11/29/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/08/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
|
|
|
| 11/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/03/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/27/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 10/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 09/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 09/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Postal mail |
|
|
|
| 09/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 09/07/2017 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 08/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
Older American |
|
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Fees charged for closing account
|
|
Postal mail |
|
|
|
| 08/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 07/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 07/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/17/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 07/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 07/13/2017 |
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
|
|
Referral |
|
|
|
| 07/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 07/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Fax |
|
|
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Fax |
|
|
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 06/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 05/05/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 04/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 04/18/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 03/21/2017 |
Yes |
|
|
|
Referral |
Older American |
|
|
| 03/10/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 02/21/2017 |
No |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/30/2017 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 01/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 01/18/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 01/18/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 01/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
|
|
|
Referral |
Older American |
|
|
| 01/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 01/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 12/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Fax |
Older American |
|
|
| 12/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 12/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 12/08/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Referral |
|
|
|
| 12/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 11/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 11/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 11/28/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Phone |
Older American, Servicemember |
|
|
| 11/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Phone |
Older American, Servicemember |
|
|
| 11/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 11/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 11/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 10/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 10/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 10/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 10/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 10/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 10/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 10/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
|
| 10/07/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/24/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
Older American |
|
|
| 09/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 09/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 08/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/08/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
Older American |
|
|
| 08/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 07/22/2016 |
Yes |
- Bank account or service
- Savings account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 06/24/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Postal mail |
|
|
|
| 06/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 06/13/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/09/2016 |
Yes |
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 06/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/27/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 05/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/11/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/06/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 05/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 04/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/20/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 04/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Phone |
Older American |
|
|
| 04/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
Older American |
|
|
| 04/05/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 02/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/03/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/27/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/27/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/26/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 01/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 01/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 12/28/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 12/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/11/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Fax |
|
|
|
| 12/08/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 11/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 11/04/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 11/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/10/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 10/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 09/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 09/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/04/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/01/2015 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 08/28/2015 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 08/25/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Incorrect/missing disclosures or info
|
|
Web |
Older American, Servicemember |
|
|
| 08/19/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 07/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 07/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 07/09/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 06/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 06/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 05/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 05/01/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 04/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 04/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 03/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 03/02/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 02/06/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 02/05/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/26/2015 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 01/20/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Fax |
|
|
|
| 01/20/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/12/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/08/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 12/23/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 12/23/2014 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
Older American |
|
|
| 12/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 12/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 11/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
|
|
|
| 11/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
Older American |
|
|
| 10/26/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/26/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 09/12/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
Servicemember |
|
|
| 08/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/07/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
|
| 07/23/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Fax |
Older American |
|
|
| 07/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 06/30/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/27/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 06/27/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
|
|
|
| 06/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 06/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 06/17/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/04/2014 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 06/04/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/27/2014 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 05/27/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 05/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 05/20/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 05/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 05/18/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Phone |
Older American |
|
|
| 04/13/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 04/03/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 03/27/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/24/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 03/22/2014 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 02/27/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 02/27/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/23/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 02/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/11/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 02/10/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 02/08/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
Older American |
|
|
| 02/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 02/03/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 01/30/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/30/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 01/14/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/09/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Postal mail |
Older American |
|
|
| 12/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/05/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/01/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
- Bank account or service
- Cashing a check without an account
|
|
|
Phone |
Older American |
|
|
| 11/21/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 11/16/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/16/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
|
| 11/12/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Older American |
|
|
| 11/08/2013 |
Yes |
- Money transfers
- International money transfer
|
|
|
Phone |
|
|
|
| 11/04/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 10/24/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
Older American |
|
|
| 10/24/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/14/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
|
| 10/08/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/03/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 10/03/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/30/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 09/24/2013 |
Yes |
|
|
|
Web |
|
|
|
| 09/24/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 09/20/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 09/18/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/17/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 09/17/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/13/2013 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 09/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 09/11/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 09/06/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 08/29/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/28/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Older American |
|
|
| 08/24/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/23/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/20/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/19/2013 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Referral |
|
|
|
| 08/16/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/14/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 07/29/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/23/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 07/18/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/17/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/16/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 07/15/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/15/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/12/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/09/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 07/08/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/28/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
|
| 06/28/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/26/2013 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
Older American |
|
|
| 06/26/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/25/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 06/21/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|
| 06/21/2013 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Incorrect/missing disclosures or info
|
|
Web |
|
|
|
| 06/20/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/15/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/31/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 05/22/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/21/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 05/21/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/20/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/09/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/07/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/07/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/06/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/30/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/22/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 04/17/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 04/14/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 04/13/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/08/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/05/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/02/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 03/25/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/21/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/20/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 03/13/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/01/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/12/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American, Servicemember |
|
|
| 02/01/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/30/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/24/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/24/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/24/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/23/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 01/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/18/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 01/16/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/15/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 01/14/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/10/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/09/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/07/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Older American |
|
|
| 01/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
Older American |
|
|
| 01/02/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 12/28/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/27/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 12/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 12/21/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/13/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 12/13/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/06/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/06/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Phone |
|
|
|
| 12/04/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 12/02/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 11/30/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/28/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/28/2012 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Referral |
|
|
|
| 11/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/16/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 11/10/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/30/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/26/2012 |
Yes |
|
|
|
Web |
Older American |
|
|
| 10/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 10/25/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 10/24/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/23/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/16/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 10/09/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/07/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/27/2012 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/25/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/21/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
Servicemember |
|
|
| 09/20/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 09/19/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 09/14/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 09/14/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/31/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 08/27/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 08/24/2012 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/23/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/31/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/30/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 07/30/2012 |
Yes |
|
|
|
Web |
|
|
|
| 07/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/24/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/24/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/23/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/19/2012 |
No |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
|
| 07/18/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/18/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 07/18/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/17/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 07/11/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 07/11/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/07/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/06/2012 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Phone |
|
|
|
| 07/03/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 07/02/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/25/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 06/23/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/22/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/20/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 06/19/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/19/2012 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/18/2012 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/13/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 06/08/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/31/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/29/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 05/23/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/17/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/15/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/15/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/14/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/12/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 05/08/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/30/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/26/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/25/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/19/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/18/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 04/11/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/11/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/09/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 04/09/2012 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
|
|
|
| 04/06/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 04/05/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/02/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/02/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/27/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/26/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/20/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/15/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/15/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/14/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/14/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/12/2012 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 03/07/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/05/2012 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/01/2012 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Web |
|
|
|
| 02/15/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/11/2011 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/05/2011 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/05/2011 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|