| 10/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX - original foreclosure sheriff sale date *Moratorium* XX/XX/XXXX - rescheduled sheriff sale date Personal attempts to prepare house for sale for full market value Multiple conversations & emails with bank to keep them apprised of my intentions Delays due to COVID, personal XXXX ( XXXX surgeries ) and now XXXX XXXX XX/XX/XXXX - call to XXXX XXXX , Provident bank Foreclosure Specialist Spoke in detail about XXXX XXXX damage and next steps He confirmed I could apply for an extension of the sheriff sale to provide time for repairs needed to properly list home XXXX referred me to escrow Dept regarding flood insurance forced plan that Provident secured I was transferred to several people and was finally assigned a contact by the name of XXXX XXXX to file the claim on my behalf.
XXXX has made it clear after several requests for her to file a claim on my behalf that it would be at the will of Provident bank to determine how and when a claim would be filed and how and when subsequent repairs would be handled.
XXXX refused to disclose the name of the insurance carrier and the policy number. XXXX also stated that XXXX is the insured.
*Note : as homeowner and name on deed, my name must be on all policies as is the name of the institution ( s ) holding liens on the property, which is currently only XXXX XXXX and Provident Bank, respectively Simultaneously, I filed a claim with both my homewoners & my automobile insurances regarding the damages. I also submitted a claim with FEMA as soon as my town was added to the list for the State of Emergency declaration.
I began removal of all items in preparation for appraisers and adjustors to assess the damages ( I had 4.5 feet of water submerging all appliances and all contents of the basement - pictures available upon request ) XXXX arrived to our neighborhood to pump water out of all the gas lines to each home and subsequently deemed ALL gas and electric appliances as " violations '' due to the extensive water exposure. This mandates all appliances must be replaced.
I received quotes for my water heater and boiler to be replaced by XXXX and I mitigated any moisture by opening all windows, back door, installing a floor fan and a dehumidifier. Due to the inevitable exposure to moisture, mold was a continued concern so I have had my back door open for six weeks ... And continuing, which is exposing my home to the possibility of other issues, including theft or vermin.
The basement is now empty of contents except for the three attached items required to be replaced by a licensed contractor ( boiler, water heater and toilet ) Due to the extent of the water damage, there are two wooden/sheetrock enclosures ( one for a bathroom and one for a storage room ) that need to be removed. There is visible mold on the floor and on the walls- I mitigated it as best as I could based on research through FEMA and OEM.
Obviously, I am concerned about the exposure to mold for me and my family.
I am also now 6 weeks without hot water or heat ( and the temperatures are steadily dropping ).
I can not properly list my house, as no buyer would be able to receive a C.O.O.
After escalating the issue to XXXX XXXX direct supervisor, I received a call within 5 days from a 3rd party appraiser to schedule a walk-through for damage assessment.
This walk-through took place on XXXX ; the appraiser advised that his report will be filed within 7 days to the insurance company.
I requested ID from XXXX as he arrived for the appointment and he presented to me the Certificate of Insurance. I asked permission to take a picture of this document. He agreed. Through this document I was now aware of the carrier and policy number ( XXXX - XXXX ) certificate # ( XXXX ) The policy is underwritten by XXXX XXXX, a subsidiary of Provident Bank.
After a week I was able to secure contact with the agent, XXXX XXXX, XXXX is handling this claim, who has confirmed a claim number ( # XXXX ) which was just filed four weeks after the date of the storm.
XXXX immediate followed up with XXXX, the 3rd party appraiser and the claims representative and reported back to me within 24 hours that he would be following up to ensure all documents are sent/received. Of course, it was stated & understood, due to the magnitude of this disaster, all normal response times are extended with unknown time for execution.
After thanking XXXX For the the immediate follow-up, I reiterated my situation. As follows : I am now at a stand still * I am Living in unacceptable conditions * I can not repair the property without Insurance direction * FEMA requires a denial letter from the insurance plan for the " contents loss '' as they are not covered under the forced plan * House is currently unsellable/unlivable die to the lack of proper amenities * Extension for the sheriff sale date will expire and I will not be able to have the house listed before then due to these circumstances.
I am requesting IMMEDIATE postponement of the sheriff sale in order to properly repair and list the home for market sale on XXXX.
I am requesting IMMEDIATE authorization to proceed with necessary repairs and remediation to live safely in my own home AND properly list the house for market sale.
This market is optimal for selling and the turnaround will not be long before the defaulted mortgage is resolved, however, due to an unfortunate string of events, I am not able to execute the necessary steps in the current timelines.
Please advise of any information that I can provide to assist in this matter.
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| 02/16/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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First I opened account with XXXX XXXX and they were changed to Provident Bank. I was given a cash back account and after talking to reps on the phone and then going directly to the bank. I was told in order to get the cash back I have to have met the criteria of direct deposit, which I have. I spoke to XXXX at the XXXX NJ office and she said that doesn't make any sense she was going to look into she said that When I use my debit card I have to sign for purchases which I do.I spoke to the manager XXXX XXXX. Who reached out to her contact who said that I have to be enrolled in e'statements.which I have complied and it didn't work after numerous attempts and just here in XXXX I was still enrolled until the manager done it from her desk. Meanwhile XXXX XXXX referred my daughter to open a account with them and we were supposed to get a referral gift back of $ XXXXshe opened 2 accounts and on the site the referral is supposed to be in our accounts within 60 days. My daughter received the cash back rewards and so did my son. I was not treated fairly. For months I emailed Provident Bank about the referral and a man advised me that I will get it XX/XX/XXXX and I never received it.so I went to the bank spoke to XXXX again I showed her my proof of the awards and she called me back the next day and said that my daughter had multiple overdrafts and asked me my daughter 's name and then started discussing her account with me. My daughter went out there and proved that she never overdraft but the bank came up with another excuse. I also took out a heloc home equity line of credit and I used the account to pay my property taxes and my check was sent back to the tax collector saying that this account can't be found. This account has went from 3 % interest to 7.5 within a few months. I desperately need help.yes I have tried to resolve everything.
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| 06/29/2021 |
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 |
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I became a victim of fraud when someone without my authorization took 9 trasactions of {$500.00} each via XXXX through my Provident Bank NJ Checking account on XX/XX/20 and on XX/XX/20. On XX/XX/20, I reported the the unauthorized transactions to Provident Bank and they immediately put a hold on my account. Since then I've been trying to get this resolved and money credited back to my account with Provident Bank 's fraud department but they keep stating that they are waiting for a response from XXXX and from their legal department. My business was with Provident Bank and not XXXX. I have rights and protection under the Electronic Funds Transfer Act yet Provident Bank NJ has not attempted to provide any type of resolution for my account being hacked via their XXXX service.
It has been over 6 months and I am still out {$4500.00} dollars that I was saving for my maternity leave. I am now on my maternity leave with a newborn child and am finding it difficult to maintain my finances without any income and was counting on my savings to get me through. I have a copy of the fraudulent transactions as well as the Affidavit of Forgery/Unauthorized Transactions I filed/signed with the Provident Bank NJ directly.
Provident Bank 's Fraud department # is XXXX and XXXX.
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| 12/27/2022 |
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 AM COMPLAINING AGAINST PROVIDENT BANK FOR HOLDING MY FUNDS FOR THE AMOUNT OF {$59.00} I AM NOT A CUSTOMER WITH THE BANK ANYMORE MY ACCOUNT IS CLOSED WITH THE BANK, THE MERCHANT XXXX HAS ALREADY SEND THE BANK MY REFUND AND THE BANK ACCEPTED THE REFUND BUT THE BANK IS NOT RELEASING MY FUNDS BECAUSE THEY ARE SAYING I HAVE TO WAIT 45 DAYS BECAUSE WHAT IF THE MERCHANT CLAIM THE FUNDS BACK WE DID THREE IN ONE CALL XXXX TOLD THE BANK WE ALREADY REFUNDED THE CUSTOMER HER MONEY BACK WE CAN NOT TAKE THE MONEY BACK ITS THE BANK RESPONSIBILITY TO GIVE ME MY MONEY BACK ASAP BUT INSTEAD THE BANK IS MAKING ME WAIT FOR MY MONEY FOR 45 DAYS WHICH THE MERCHANT ALREADY RELEASED IT.
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| 01/06/2024 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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| 10/13/2023 |
No |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Phone |
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| 12/13/2021 |
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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| 10/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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