| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I am writing this complaint against SchoolsFirst Federal Credit Union and it's Loss Mitigation Department in response to their abusive and negligent loan servicing practices. Despite the length of this complaint, it is by no means a comprehensive accounting of my experience and I am willing to elaborate and/or provide additional documentation if requested.
After falling behind on my mortgage due to a COVID related hardship, I was contacted by a representative from SchoolsFirst who recommended enrolling into their COVID-19 Forbearance program. I was initially hesitant at the idea of a lump sum payment, but agreed after being reassured that I would have multiple options upon conclusion of the forbearance such as a forbearance extension, reduced monthly payments via a loan modification, as well as a deferral. Prior to this hardship I had maintained over 200 consecutive mortgage payments that spanned 12 years of owning one home and six years of owning two homes. Having never been in this sort of situation before, I felt that I could trust SchoolsFirst and appreciated their offer of a reprieve.
As my forbearance was drawing to a close, SchoolsFirst once again reached out to me to discuss my options. I remember this call vividly because it was such an unusual occurrence for them to contact me through my work number. We discussed my intention to remain in forbearance for the full year with an expected start payment date of XXXX XXXX XXXX, as well as the plan to defer the past due amount. Upon the conclusion of the extended forbearance I resumed making my regular monthly payment. After encountering an issue with making the payment in the third month, I called SchoolsFirst and was informed that my payment had been refused because I had a past due balance of over XXXX XXXX dollars, which was due in full. I recalled the plan that we had discussed in the fall of XXXX at which point SchoolsFirst informed me that a deferral was not something that was granted automatically as the forbearance had been, and that I needed to process the paperwork. Although I was alarmed to learn that the suspended payments had not been deferred like I'd been led to believe, I was told not to worry because they would work with me to restructure any arrearage once I'd submitted my application.
It then took several weeks for their application packet to arrive in the mail in spite of their claims that they had already sent it out multiple times. The weeks evolved into months (and eventually years) of an endless cycle of my application being denied any sort of consideration, and returned to me as "incomplete". Reasons for being deemed "incomplete" included but were not limited to: Document not received (even though I had confirmations of receipt), expired documents required resubmittal (among them documents with no expiration date and documents that had not expired, such as a w-2 form in XXXX), document missing a signature (it was not) (see attachment 1), incorrect form entirely (even though they were the ones who had provided the form to me in the first place), and the list goes on. I was repeatedly required to submit documentation that I'd already resubmitted multiple times. On more than one occasion they claimed they hadn't received the required "missing" documentation in time, closing out my application, and forcing me to start the application process all over again. At the same time I was also inundated with a barrage of (what I would describe in retrospect as) XXXX from SchoolsFirst which appeared to not be written with any context whatsoever, as they would request that I submit an entirely new application from scratch (along with requesting the exact same information and documentation all over again), as if that had been our very first and only communication thus far. These letters would also ignore any of the phone call transactions I'd had with them during that time. This all served to further confound my understanding of where I was at in the process, and what was being asked of me, thus hindering my ability to jump through their absurd hoops.
According to SchoolsFirst, they are the owner, assignee, and servicer of my loan. Despite the fact that SchoolsFirst provides services exclusively to California, they contract with a New Jersey-based third party subservicer. SchoolsFirst uses this distance as an excuse for the delay in sending and receiving time-sensitive mail. It would often take several weeks for them to notify me in writing of whatever new barrier existed now. Considering today's technology, their decision to utilize antiquated methods of communication like this speaks volumes. This is all undoubtedly by design, as it had originally taken only one phone call with an incomplete application for SchoolsFirst to agree to "assist" me with a forbearance in the first place. And of course when I initially applied for the loan, and when I opened a Home Equity Line of Credit on my home I was immediately notified through a Single Point of Contact via direct phone call and/or email- of exactly what was missing and exactly what they still needed, even going so far as to meet me in person to retrieve these documents. Naturally the severity of my delinquency, my perceived creditworthiness, and the fate of my home (my most valuable asset and investment to date), have been held as a hostage along a timeline that SchoolsFirst has moved forward only to their benefit and at their leisure.
I had eventually begun calling Loss Mitigation almost daily, sometimes multiple times throughout the day just to check on the status of my application. I learned to take every conversation with a grain of salt, as the sheer volume and scope of the downright lies, misinformation, and misrepresentations I've been provided from one representative to the next has been truly inconceivable. Among the representatives I have spoken to I have been: yelled at, hung up on, lied to, told that there is simply nothing that they can do to help me and to just "sit tight", spoken to in a condescending manner, left on hold for an obscene amount of time often just to be hung up on anyway, and my personal favorite- being hung up on and (when I called back) finding out my file had been notated as a "Spanish-Speaker only". Information I have been given has varied between unhelpful, incorrect, inconsistent, and illegal. For example, one of the more innocuous lies I'd been told was that my actual lender was XXXX XXXX. According to XXXX XXXX and SchoolsFirst, it is not.
Even when these agents were competent enough to understand the issue at hand, or considerate enough to pretend like they cared, there was still no point in talking to them because they did not have any decision making authority. They had no ability to rectify errors, and they could not (or would not) transfer you to anyone who did. On more than one occasion I requested to be provided a Single Point of Contact under the California Homeowner Bill Of Rights. In response I was either outright refused, ignored, or told that they were simply unable to transfer me. During one phone call in particular I spoke with a lady who specifically introduced herself as my Single Point of Contact. When I requested to be transferred to her in a subsequent phone call, I was told that I could not be transferred, and I have never heard from that woman again.
In fact, there was no escalation process. Their scam is to hide behind a seemingly incompetent and undertrained call center that is ultimately incapable of providing accurate information, and incapable of providing any actual assistance to distressed homeowners. I've had to take off what's amounted to weeks from work in an attempt to find a resolution on this matter (being restricted to east coast business hours while living in a west coast time zone has made this all the more difficult). A review of two months of cell phone bills showed that I had called in 27 times and spent 343 minutes on the phone in that span alone. And yet my time has just been wasted away while on the phone for hours, with no resolution in sight.
For a while I could not even figure out who my servicer was because that answer varies depending on who you ask or which documents you're looking at. The information is obfuscated by the fact that SchoolsFirst misleads their borrowers by referring to their third party subservicer as simply their "Loss Mitigation Department". It took some time (over two years) and some serious investigating just for me to even figure out that I was dealing with two entirely different businesses because both businesses claim only one name. I have only ever received mail from "SchoolsFirst" and never "XXXX" even when the letter has indeed been sent by XXXX. XXXX employees specifically introduce themselves as SchoolsFirst employees (despite the fact that their company exists on the opposite side of the country). Its not just via telephone conversations; they do this on legal documents as well. The woman who filed the Substitution Of Trustee appointing XXXX XXXX XXXX as the new trustee for my loan- swore to a notary in Missouri that she was the "Vice President Document Execution" for "SchoolsFirst Federal Credit Union". Yet this same woman represented herself with the exact same title in the Notice of Default that was recorded in my county in California, but instead working for "XXXX XXXX, servicer for SchoolsFirst Federal Credit Union (see attachments 2 and 3). Another person I spoke with refused to even confirm whether he worked for XXXX or SchoolsFirst. They would not confirm which company they worked for, and yet SchoolsFirst both gives free access to and forces me to furnish private and confidential information to every random work-from-home low level call center employee who picks up the call, just to get information on my own loan. Their misrepresentations have made it nearly impossible to know who it is I should be in contact with and who it is that I have been in contact with.
Their fraudulent and obscured identity has also made it easier for SchoolsFirst to provide varying degrees of conflicting information, and nobody to be held accountable. One example of this was on one occasion in particular I had called Loss Mitigation while at my wits end, wanting answers to a myriad of questions, and during this conversation I received the following information (information in italics) which contradicted the information I had been given previously: The forbearance I had been granted had been a "regular" forbearance. I had not been granted a "COVID forbearance" because my "hardship did not qualify.". (Prior to this I had no idea that there was more than one type, I've since been told that there isn't, and I'm still not sure where the truth is in either of those statements. None of the CARES act had applied to me because my loan was/is not federally backed, and therefore my loan had not been protected under any state or federal guidelines. Learning that I did not have a federally backed loan was both shocking and infuriating as this was in direct conflict with what I had been previously told by another agent and with what SchoolsFirst had communicated in writing. These communications were therefore intentionally misleading, as they had made it very clear to me at the time that I did in fact have a federally backed loan (see attachments 4,5 and 6). It was during this conversation that I was informed for the first time that the forbearance I had entered into had only been for a total of 3 months (XXXX XXXX and XXXX of XXXX), not for the year as we had discussed. According to their records, the phone call I had with Loss Mitigation in which I extended the forbearance never happened. While I am unable to retrieve my employer's phone records from nearly 3 years ago, I have attached the loan statement that had been prepared in the month following what would have been the end of the forbearance that clearly stated You accepted a forbearance. (see attachment 7). After being confronted with this shocking disregard for any truth, I requested an investigation into the recordings of my conversations. I was initially told that they do not keep recordings. I've since been told that they only keep up to six months worth of recordings. These conversations took place two and a half years ago.
I was recently provided a copy of the Loan Activity correspondence between Loss Mitigation and I. I've attached a few of those excerpts to this complaint (See attachments 8, 18, and 31). It serves as a window, but it is not complete. This is because the "complete" report omits information, and omits entire conversations such as the one in which I extended the forbearance (as well as others that can be substantiated through my cell phone records). For example, it logs numerous attempts to call me often followed by "customer hung up", but omits that when these calls actually did occur, they were in fact robocalls that did not lead to a live person, but instead an automated message informing me to call SchoolsFirst. Each time I would return the call, the agent would have no idea why I'd been told to call. There were several instances upon which I would receive this notice mere minutes before the close of business, which left me no time to call back even if I'd wanted to. I thought this was a particularly cruel sort of call to receive, as I was already being held captive in a desperate and indefinite state of worry and XXXX over my home. The notes also log their attempts to contact me via email, but they omit how I cannot view whatever was written in that email because my "account status" prevents it. There are also several notations on there that are very clearly not related to me. For example on XXXX "POSTDATED CHECK.. TAD XXXX MADE PMNT XXXX DATED FOR FRIDAY XXXX RFD LOSS OF EMPLOYMENT THANK YOU FOR CALLING BCU. THANK YOU FOR YOUR MEMBERSHIP" (see attachment 8). I do not own checks; its XXXX for Gods sake. I have never owed nor paid specifically XXXX to SchoolsFirst, I have never even heard of XXXX, and I have never been let go from my place of employment. While this meticulous record keeping has nothing to do with me, perhaps they should find and review the notes of the person who wrote that post dated check (if they even exist) to see if my notes are with theirs.
On XXXX XXXX XXXX, over a year after I had exited the forbearance, I finally received a letter from SchoolsFirst which stated, "A review on XXXX determined the application is complete and no further information is needed at this timeWe will not initiate any foreclosure actions or proceedings by sending first notice or filing first legal documents until your complete assistance package has been evaluated." (see attachment 9). The following day, like a sick joke, I received another letter from SchoolsFirst which stated "Please be informed your mortgage loan has been referred for foreclosure proceedings. We did not receive a response to the previous letters we sent regarding foreclosure prevention alternatives, but if you are still interested, it is not too late" (see attachment 10). I received two additional letters dated XXXX XXXX XXXX from XXXX XXXX XXXX informing me that a Notice of Default had been recorded against my property. In response I sent three separate Qualified Written Requests via certified mail in which I contested the Notice of Default and requested an itemized statement, but those letters have never been acknowledged (see Attachment 11). The Notice of Default specifically indicated "XXXX XXXX XXXX" as "the date contact with the borrower was accomplished pursuant to Civil Code Section XXXX". However, according to the loan activity notes as provided by Loss Mitigation, no such contact ever occurred on that date.
Immediately leading up to the filing of the Notice of Default my application had been refused for months as SchoolsFirst kept refusing my application and repeatedly asking me to submit a "signed financial form". This was several months of me calling back in a perpetual state of confusion and having them look through my application to verify that it was: a.Received b.The correct form and c.Not missing a signature. This would be followed up with receiving yet another letter from SchoolsFirst informing me to submit a "signed financial form". They finally let me know months later that I had been submitting the wrong form the entire time because they had sent the wrong form to me. I've attached one of my latter responses to SchoolsFirst that directly addressed this (attachment 1). Coincidentally, this had lasted right up until they had filed the Notice of Default.
Soon after, SchoolsFirst resumed their "missing documents game. Their new document request was originally posted with such a vague description that I was forced to call Loss Mitigation in an attempt to get clarification on what was even being asked of me. Loss Mitigation's original interpretation of the request was wrong of course, which prolonged the delay even further. Even after I had successfully submitted the requested document, SchoolsFirst continued to refuse acceptance of the document for weeks. Attached is my 3rd submission to them regarding this (see attachment 12). Despite the multi-colored map I drew outlining how this document was indeed what they asked for, it was also rejected.
In spite of my tireless efforts to meet their demands and in spite of their promises to work with me, on XXXX XXXX my request for assistance was denied. The three programs I was considered for were FORBEARANCE PLAN, REPAYMENT PLAN and LOAN MODIFICATION. I was denied a forbearance because my hardship reason does not meet program guidelines. The repayment plan was denied because after they reviewed my financial information, it was determined that your income is insufficient to qualify for any foreclosure alternative programs at this time. And lastly I was denied a loan modification because after reviewing my housing expense to income ratio we determined that it does not meet the requirement for a loan modification (see attachment 13). Using my "housing expense to income ratio" to deny assistance is a highly self-seeking decision for a lender to make after playing a significant role in shredding the figure before evaluating it. My income is also XXXX higher now than it was when I originally qualified to both refinance and open a HELOC in XXXX. It is approximately XXXX higher now than it was when they approved a forbearance in XXXX. But now my income is no longer a "sufficient amount"? More importantly, a deferment was not even included among the list of loss mitigation options I was considered for despite my request in my application and repeated assurances from SchoolsFirst. Attachment 14 is just one of many emails Ive sent to SchoolsFirst about a deferral and attachment 15 is a screenshot from SchoolsFirst's website that unequivocally states that you can defer payments after the forbearance period. Denied any assistance, my only option now was to pay the full amount in one lump sum.
Taking a comprehensive accounting of my loan has been a nearly impossible task since I do not have access to my full mortgage payment history. I am no longer sent monthly paper statements, and my website access and app access to all past and current statements have been blocked by SchoolsFirst due to my "account status" (see attachment 16). SchoolsFirst states that you can have 24/7 access to your loan and updates regarding your loss mitigation requests online at loansolutioncenter.com. That is yet another lie (see attachment 16). Whatever numbers I have been able to retrieve are extremely unclear and inconsistent. Lack of access and equivocal information is problematic since throughout this time I have had the financial ability to resume my monthly payment, and I have made multiple attempts to make those payments. Despite these attempts, my payment history appears hit-or-miss as SchoolsFirst has either accepted or refused my payments at-random. There were several months where I was prohibited from making a payment because I was told that it was considered a "partial payment" and they would "not accept anything less than the full amount of the delinquency". One representative stated that they would not accept the payment because "it was not going to cure the delinquency". Of course neither were my interest-only HELOC payments (that were secured by the same collateral), and they've had no problem regularly removing that payment from my account every month.
When my payments were accepted, I breathed a sigh of relief and did not realize at the time that I should scrutinize where my payments were going after I'd been provided confirmation of receipt. So when I went through my escrow transactions, one of the few things related to my mortgage that I still have unrestricted access to (see attachment 17), I was shocked and confused at how irregular my payments had been applied and whether or not they even had. I compared the escrow transactions to the loan statements I had and noticed that several payments were misapplied, not applied when received, or not applied at all. Several of my payments did not move forward my delinquency date, making it appear as though I am even further behind than I actually am. Monthly late fees and "property preservation" fees have accumulated regardless of whether or not I'd made a payment (see attachment 19). On several instances, Schools First refused payment until the payment was past due, which resulted in assessing frivolous late fees (see attachments 18 and 19). Some months my payments were even shown as being accepted but then "refunded", subsequently accruing more late fees. In reality those "refunded" payments were never actually reimbursed to my account. I went through and compared every bank statement from the past two years and noticed that there were several instances where I had received emails indicating to me that my payment had been accepted, in spite of whether or not that was even true. In XXXX XXXX for example, I received three separate emails from SchoolsFirst that thanked me for making three individual mortgage payments. Despite having not authorized all three of these payments, my bank account at the time indicated that my account had been debited for them. These payments are still shown on my loan statements and escrow transactions, yet not one of those payments were ever applied towards reducing the loan, and the withdrawals from my bank account are no longer reflected in the transaction history. Meanwhile, an XXXX XXXX mortgage statement indicated that a full periodic payment was fully applied to my negative escrow balance. Yet according to my bank statements, no such amount ever even left my bank account at that time! In fact my bank statements show several mortgage payments which resulted in an actual decrease of my total available account balance, but my loan statements do not accurately account for each of those payments. The money in my "Unapplied Funds" account seems to appear out of nowhere and disappear just as quickly. I've recently found the most success in being allowed to make a payment by going into an actual branch, and I recently discovered that they would print my past statements for me at my request. Yet even when paying inside of an actual branch, my payments are still not accounted for appropriately nor are they applied upon receipt, and the transactions do not make any sense even to SchoolsFirst! The manager at the nearest SchoolsFirst branch can't explain any of this. I know because I have sat down with her and she has tried. In addition to this, I have also attempted to address the discrepancies with them in detail via telephone and email, and the issue continues to be either ignored or dismissed (See attachments 20 and 21). The most recent time I brought this up, I was told that Loss Mitigation had attempted to call me three times on one particular day (along with leaving a message for me). According to my cell phone records, this is simply not true.
As a result of this apparent book cooking, Ive made several attempts to request an itemized accounting of my loan and a full payment history beginning with the date of delinquency. In addition to the previously mentioned ignored Qualified Written Requests, I also attempted to contact the lawyer/trustee that had been assigned to my loan. Their phone number led to an automated recording which instructed me to contact them via email. I attempted to email and was charged XXXX for an emailed response of a payoff statement that was neither itemized, nor accurate, in spite of that being the specific point of my request (see attachments 22 and 23) However that statement stated "For itemization please call XXXX. So I did this, and I was connected to an automated recording stating that Id reached XXXX XXXX XXXX, although I do not bank there nor hold a loan with that credit union. The man who answered claimed to be from "Schools Credit Union", claimed to have never heard of XXXX XXXX XXXX, and had no idea what I meant when I asked for a simple itemization. The man had the audacity to ask me if I was calling the correct number and ultimately stated that he would forward the request to the attorney assigned to my loan. I was then charged another XXXX to be sent another emailed statement that was again neither itemized nor accurate, and like the statement before, it said "For itemization please call XXXX" (See attachment 24).
By letter and by email I've submitted a Request To Know under the California Consumer Privacy Act, and in response they denied my inquiry for my own personal information and they stated that they were unwilling to complete my request. SchoolsFirst simply refuses to provide accurate and timely information regarding my loan or anything at all for that matter! Whether it's regarding my own personal information, or the total amount I owe, to who actually owns and/or services my loan, to when exactly (and if) my home has a sale date, or who to contact regarding any of this information. One payoff statement I received directed me to send payment to XXXX XXXX. XXXX XXXX XXXX (See attachment 25), so even who to pay is questionable! My purported monthly mortgage payment changes from one document to the next as well. The amount that they provided to the IRS on my 1098 was a different amount than the one shown on my loan statements. So they do not report accurate information to the IRS (in addition to the wrong mortgage payment on two 1098s, they also reported inaccurate amounts regarding what I have paid to them and what they have refunded to me). In XXXX and XXXX they reported that they had paid out money from my escrow in order to refund several of my periodic payments. While I did receive those checks, I did not cash them. However that money was still reported as being removed from my escrow account. I had asked to have those checks reissued and instead, according to my loan statements, it appears as though that money was applied towards my loan, (where it was sent by me in the first place several months prior). I can only assume that this is what happened since according to my loan statements- money was applied to my loan, and it was money that did not come from out of my bank account at the time. I was told however, that the checks "were reissued" to me. I never received a reissue of these checks.
They also do not report accurate information to any of the credit bureaus. Their incorrect reporting played a significant role in the status of my alleged past due balance and the debt to income ratio that SchoolsFirst used to justify their determination to deny my request for a loan modification. Specifically, their denial letter stated "The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was XXXX XXXX." So I requested the report from that agency and according to that report, my loan has had no payments made since XXXX of XXXX, (see attachment 26) despite the fact that I have made more than 15 payments since then according to my escrow balance sheet (see attachment 17 highlights).
Shortly after receiving the denial letter, I had gotten into contact with a "Loss Mitigation Specialist" from the Real Estate Servicing Department, after emailing and then calling their department in a desperate attempt to find anybody willing to help me. I attempted to explain everything that had led up to this point, and was initially hopeful and relieved to not have to continue communicating with SchoolsFirst's unhelpful call center. I was encouraged to submit an appeal to the denial, and to "trust the process". I did so, and on XXXX XXXX I learned I'd been approved for a repayment plan. Fortunately by now I'd had the wherewithal to know better than to rely on their mailed correspondence, and only through my own relentless calling was I able to retrieve this information in a timely manner. Left to SchoolsFirst's mailings, I received the letter with the details of this repayment plan on XXXX XXXX, two days after I was required to communicate my intent, and a full day after I was expected to have made a down payment of an amount that wasnt even possible for me to make.
The plan was scheduled to begin on XXXX XXXX and the first payment required was a down-payment of XXXX (see attachment 27), just shy of 17 months worth of payments. On top of this, the repayment plan indicated that my mortgage payment would nearly double for the next two years. While I have a sizable down payment saved because of the gaps in time where they refused to take my payments, XXXX was an amount they knew I would not have even if I had completely cleared out every cent I had. SchoolsFirst knew precisely what I had and did not have, after I had been forced to send in multiple applications, Financial Forms, bank statements, paystubs, tax returns, w-2s, mortgage statements, hardship letters, letters of employment, and even my divorce decree. Not to mention I had also discussed all of this again with my contact in the Real Estate Department as she easily reviewed my accounts from her side seeing as how my lender is also my bank.
Even if I could've somehow procured XXXX in that short amount of time (they couldn't even deliver their letter requesting the payment within the amount of time they were expecting me to furnish that amount!), they were asking me to completely drain everything I had in my checking and savings combined, and then hike up my total mortgage payment to nearly 60% of my take home pay- to repay an amount that was more than what I ever even owed to them! The "total amount due" in the repayment plan once again was not accurate, nor was it consistent with itself or any other document. It stated that the total past due amount was XXXX, yet when I did the math the total amount it had me paying back throughout the life of the repayment plan was XXXX. Why would I have to pay back a different number than the indicated "total past due amount"? If what I owe is actually XXXX, why wouldn't it just state that number instead? (see attachment 27) Meanwhile the loan statement for that month stated the total past due amount was XXXX with a XXXX amount due, and the reinstatement document I received stated the total to reinstate was both XXXX and XXXX! (See attachment 28).
The repayment plan indicated that I had the option to either accept or refuse these terms by XXXX XXXX (see attachment 29) or appeal one final time by XXXX XXXX (see attachment 30). I called and spoke with an agent to discuss and confirm my right to appeal (see attachment 31). Not one to be
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| 08/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
Servicemember |
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Title to personal vehicle was sent to bank by mistake. The bank sent a presentment and it was replied to with a conditional acceptance per the billing errors seen on said presentment. Attached to the conditional acceptance was a negotiable instrument for full satisfaction of any assumed debt. That negotiable instrument was refused and the bank refuses to release my title.
3-603. TENDER OF PAYMENT.
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within XXXX days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than XXXX days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
ATTACHED IS PROOF OF OWNERSHIP AND PROOF THAT THE BANK WAS BILLING THE WRONG " PERSON ''
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| 10/14/2021 |
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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am in desperate need for any advice or assistance is recovering my Grant money from my Credit Union. I'm going to do my best to keep this letter short and to the point. I was awarded a Nevada GOED Pandemic Emergency Support Grant in the amount of {$10000.00}. THe money was deposited on XX/XX/2021 into my daughter 's checking account that I was listed as a joint owner. On XX/XX/2021, I started buying supplies needed for the office, and after 2 transactions, my card started to decline. I called my bank, Schools First Federal Credit Union out of XXXX California, and asked them to increase my card limits. They increased my limits to {$1000.00} per day. Still not what I needed it to be, but I figured I'd just go into the bank the next moring and withdrawl what I needed. Well 5 minutes after I hung up the phone with Schools First Representative, I went into a store to make a purchase. Again my card was declined. I called them back and was transferred to representative by the name of XXXX XXXX. HE then proceeded to tell me the funds in the account are currently on hold due to my seperate account with the same credit union, had a negative balance. ( The seperate account was just in my name and at the time the account was negative due to fradulent charges on my account. There was an active claim open on that account as we were still going through what charges were authorized and which ones werent. ) Anyways, so XXXX told me that the funds were not available for use and to check back in 2 days. The next day I still went into the bank to see what I could do, show them my Grant award letter so they can get a better understanding on what and where the funds came from. All they did was again, forward my documents to the same representative, XXXX XXXX, and told me he wouldnt be able to get back to me until Monday. Monday came and it was almost XXXX and I hadnt heard from XXXX yet so I decided to call him. The representative told me he wasnt in the office today. Again Tuesday, around XXXX hadnt heard from XXXX so I called them again. I was told XXXX wasnt in the office, woud i like to leave a message. I left him a message to call me at his earliest convienence as this matter is Urgent. About a week later, after no call from XXXX, I called the credit union again. AFter 45 minutes on hold, XXXX gets on the line and tells me that the funds are not going to be available for use and that the funds are going to be transferred to my seperate account to pay off the negative balance. I explained to him that The {$10000.00} was protected money under the CARES ACT, and also Executive Order N-57-20 Section1 stating Financial ASsistance made available under section 2201 The CARES ACT and any other federal-, state-, local-government financial assistance made available to of individuals in express response to the COVID-19 pandemic, shall be EXEMPT from any attachment, levy, execution, garnishment or setoffs ., Civil Code section 3054 or Financial Code section 1411 where no financial institution shall have any lien upon, or any right to setoff against any financial assistance or funds received as CARES ACT funds ( paragragh 1 ), Section 4 states that it is UNLAWFUL to COLLECT ANY MONEY in a matter inconsistent with PAragraph 1 or Paragraph 2 OR TO RETAIN ANY MONIES COLLECTED. ANY MONEY COLLECTED SHALL BE POMPTLY REFUNDED without any further action, Declaration of Emergency Directive 017 Section 6 which clearly states, setoffs from COVID-19 stimulus funds are PROHIBITED. THe NAtional COnsumer Law Center stated the Code of Federal Regulations Title 44 subsection 206.110 ( g ) states all assistance provided under this subpart is EXEMPT From garnishment, seizure, encumberance, levy, executive, pledge, attachment, release or waiver.
I've submitted all these Codes and orders to XXXX XXXX at Schools First Federal Credit union. As of XX/XX/2021, he still is telling me that the credit union is not going to put the funds back into my account and to call a lawyer or somebody that might help me. THis whole situation has been very stressful, frustrating and caused even more financial problems for not only my family and I, but also for my business, my employees, etc. MY question is who do I need to call, write, email to have my funds returned to me ASAP. The credit union needs to be held accountable for not complying with the SEVERAL State and Federal codes and Orders that are supposed to protect my COVID-19 PROTECTED Grant funds. Thank you in advance for even just reading this letter, but also for any advice or resources you may provide me with to resolve my situation. This has been going on for almost 3 MONTHS now! To me this is so unprofessional and unfair. I do understand from the banks point of view and their concern in regards to my negative balance account but how do they come to the decision to keep protected money?? Thank you again for whatever help you can provide me.
Dates of contact : XX/XX/2021 phone XXXX XXXX XXXX in branch, provided documents XXXX XXXX phone customer service XXXX XXXX phone customer service XXXX XXXX in branch XXXX XX/XX/2021 phone left message XX/XX/XXXXphone customer service XXXX XXXX phone XXXX XXXX XXXX email XXXX XXXX XXXX XXXX phone XXXX XXXX XX/XX/XXXX email XXXX XXXX There were several more secured emails sent through the credit unions site but they blocked my access to the account so I'm unable to see the dates sent or provide you with copies of those conversations. I have received the same response Everytime, that they are not returning my pandemic emergency support grant money.
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| 06/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
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Web |
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I received stimulus check for {$4200.00} from the Department of Treasury of the U.S. issued XX/XX/XXXX it was mailed to my address in XXXX CA XXXX in the summer of XXXX. I delayed in cashing the check because I misplaced my mail key and I also wanted to check with the IRS if it was a check truly granted and issue to me. I checked online on the IRS website and confirm it was a legitimate stimulus check issued in my name. I deposited the physical check at my School 's First Savings Account on XX/XX/XXXX in person at the XXXX, CA branch and XX/XX/XXXX I was able to review my account and noticed the deposit was reversed on XX/XX/XXXX. I called customer service and they informed the same check was deposit at XXXX XXXX XXXX XXXX. I then went to the XXXXXXXX XXXX to get a copy of the check but unfortunately, School 's First Credit Union didn't request the copy of the check processed by XXXX XXXX. I was told they couldn't and wouldn't be able to retrieve this information due to privacy laws. After several attempts in person and over the phone with both banks. I was able to obtain a fax number to XXXX XXXX XXXX XXXX department to request the copy of the processed check needed to report to the XXXX Police Department. However, I never got a response from XXXX XXXX XXXX XXXX. School 's First Credit Union failed me in the following ways, lack of communication, lack of investigation by their Fraud Department, lack of empathy and customer service, and was abused my trust and threatened to freeze and hold my funds on other accounts and/or canceling my membership and ruining my credit card accounts and line of credit if I didn't comply with their policies and procedures ahead of 45-day grace period to bring the savings account current.
1. They failed to notify me by phone, text, or email the amount of {$4200.00} was reverse by the IRS due to the check already processed by XXXX XXXX XXXX XXXX XX/XX/XXXX by an individual named XXXX XXXX in XXXX AZ.
2. My Savings/Checking account was flag under suspect of Fraud and demanded payment in writing for the deficient funds of - {$800.00} in my savings account and took the {$500.00} a had available in my checking account and reflected {$0.00} balanced in my checking account on XX/XX/XXXX. When I called and reported a merchant informed me my ATM debit card was flagged for FRAUD when I attempted to make a purchase for groceries.
3. I called customer service and they told me they were going to hold my funds in my checking account and not making them available until I paid them the- {$800.00} deficiency balance in the savings account. I asked if they could release the {$500.00} funds because I had payments schedule to debit my checking account and customer service supervisor XXXX refused because she didn't have the authority to release funds asked if I can wait till Monday XX/XX/XXXX. My accounts were all flagged for suspicion of XXXX.
4. I went to the XXXX XXXX XXXX and the Branch Manager XXXX XXXX was kind and she was able to release by funds after speaking to corporate.
However, they refused removed the FRAUD alert on my account and I was not able to use my ATM debit card until I came up with the deficient balance of - {$800.00} and no one has the authority to issue a temporary credit on the account until the issue is resolved. I was offered to take a loan to cover the deficient balance. I did apply for a loan of {$1000.00} to cover the cost of no wrongdoing of mine. I just decided to wait because I would have to pay interest on this money I borrower of {$86.00} a month and I would like to see if the US treasury can reissue the check in the next 30 days.
XXXX. Today XX/XX/XXXX I received the processed check from Bureau of Fiscal Service and took it in person to XXXX XXXX XXXX, XXXX XXXX the Branch Manager was kind enough to confirm the suspicious check had another name address and deposited to XXXX XXXX XXXX XXXX the same date reported by IRS with same check number, account and routing numbers. She was able to get my ATM debit card activated again. I'm very grateful for her helped and I never felt judge by her. Unfortunately, every other attempt with customer service I was not getting the same treatment and my issues were not being resolved. I felt the need to submit this information to the CFPB because these policies and procedures have to improve for these two financial institutions.
|
| 04/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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On XX/XX/XXXX my personal loan with Schoolsfirst Federal Credit union charged off, I was unaware that this action was taking place since in all previous conversations no mention was made to me that this was happening. Because this loss took place my Membership was in danger of being closed.
On XX/XX/XXXX I emailed XXXX XXXX and XXXX XXXX and outlined the discrimination and retaliation that I felt I was receiving. I felt that no mention of my account being charged off was mentioned in an effort to close my account, prevent my direct deposit from being received and cause me further financial hardship. I received no response, acknowledgment or phone call to discuss my concerns.
On XX/XX/XXXX I was advised by XXXX XXXX that I had to make a deposit to cover the {$22.00} negative balance in my account so that my Membership could be closed. Not once was I provided a payment arrangement or options to prevent my account from being closed as all other members are offered. I was told by XXXX that she never asked me to pay on the personal loan because she wanted me to pay on my car loan. So to me that tells me that management was purposely setting me up to cause a loss to have restrictions placed on my account with the intent of closing my membership.
On XX/XX/XXXX I emailed XXXX XXXX, XXXX XXXX & XXXX XXXX as I realized that my account had been shut down. I received a response from XXXX XXXX who promised to look into my complaints and respond to my claims. Her response was unfair, deceptive, and abusive. In my response to her I asked if she would have responded to any other member the way she had to me. As is standard with upper management when it came to my membership I received no response.
On XX/XX/XXXX I responded to XXXX 's email that highlighted how my Membership according to her wasn't closed. I would like to point out that when your Membership is under par {$5.00} it is an attempt by the credit union to close your accounts. You have to satisfy the {$5.00} minimum but every time you deposit those finds will once again be offset in an effort to close your membership. My debit card was canceled without my prior knowledge, my direct deposit was captured, my funds were not made available to me without the assistance of management. In her response to me XXXX denied closing my account although the facts show otherwise. XXXX spent time outlining assistance provided to me in XXXX and didn't address my current concerns.
On XX/XX/XXXX I was forced into payment arrangements that I knew I couldn't afford to meet but again was not receiving any assistance that a typical member would receive a reage, deferment were now being denied because management forced me into creating a loss and were retaliating based off the emails that I sent to upper management. I was told by XXXX XXXX that I couldn't be removed from my husbands account where I appeared as a joint unless he removed me. I asked that my direct deposit be deposited into this account and was told my debit card would not be canceled or restricted as any action taken would have to come from my husband.
On XX/XX/XXXX I realized my debit card was canceled this came after Schoolsfirst realized I had redirected my direct deposit into my husbands account where I am listed as a joint. Because I didn't have access to my money I wasn't able to put gas in my car and ran out of gas on the freeway almost costing me my life. I had been guaranteed my membership on my husbands account wouldn't be impacted without notice they canceled my debit card. No previous calls, letters or emails were sent to me.
Schoolfirst has not been unfair to me as a previous employee not being granted the same assistance or service as a typical member. They have been deceptive as they have allowed my account to create a loss preventing me access to my account fully. They have been abusive in their handling of my account which has caused me harm as all their Standard Operating Procedures have not been followed. I confirmed when calling in that automatic closures take place every Saturday my account was closed on a Wednesday purposely and with intent to cause me harm.
|
| 08/21/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
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Dear Sir or Madam : My name Is XXXX XXXX XXXX I am a potential enrollee with the schools first credit union. My application ID : is XXXX. I initially applied for membership on XX/XX/2022, via an online portal. During the process, I uploaded all required documents, including my school transcripts. On Monday, XX/XX/2022, I called customer service to request the status of my application. I was told by a representative that I needed to upload my transcripts, so once again, I uploaded my transcripts via the online portal. On Tuesday, XX/XX/2022, I called again to find out the status of my application. I was told again that I needed to upload my transcripts, so I uploaded my transcript yet again via the online portal. On Thursday, XX/XX/2022, I called customer service again, this time I was told I just needed to add a funding source. On Friday, XX/XX/XXXX, around XXXX AM I went to the schools first credit union XXXX XXXX branch located at XXXX XXXX XXXX, XXXX XXXX California.
I was properly greeted and then stood in line I spoke to a very polite young lady who signed me in, as I sat and waited to be called. The employee who served me was named XXXX, he started to process my application. He asked me for my school ID which I gave him. He then asked me for my transcripts, for which I pulled up on my cell phone and I asked him if I could print them or how can I upload them so that he can see them. He stepped away and apparently talk to his lead. He then came back and sat down and told me Unfortunately you need to be in a student assistant teaching position in order to qualify to be a member here at the schools first credit union. I thanked him for his time, as I proceeded to walk out. I then called customer service and explained to the representative what this member service representative told me, the representative then talk to the membership applications department and said it was incorrect, and that all I would have to do is upload my transcripts. So once again I uploaded my transcripts, this time I called and spoke to the customer representative in the membership department. The Lady I spoke with was very polite and started to process the application, again they asked for the transcripts. So once again I uploaded the transcripts. I called back and spoke to another membership enrollment agent. Again, this lady was very polite but said I do not qualify because I am not enrolled in a credentialing program, I reply to her yes, I am. I uploaded yet another copy of my transcripts as well as a curriculum sheet. I explained to her in great detail, that I am a XXXX study major with a XXXX studies option, within that option is the credentialing. I went as far as to explain to her and once again upload my course syllabus for classes that were related to teaching. She apologized and said she doesnt see where its related to education. At this point, I was beyond frustrated and angry at the level of blindness by your staff. I have literally had to add an additional class to show XXXX course material to supplement an application for the credit union. How beyond ridiculous are your membership requirements!!
I have now since started a complaint with the consumer financial protection Bureau. The reason why am doing this is that your schools first credit union should honor what it is representing. I do applaud you on the faade of your business model, which indicates that it is 100 % positivity and teachers first, we got your back great marketing!!! However, I wish it were true. I have attached once again for the record, a new copy of my transcripts including the highlighted version showing the XXXX course curriculum. Including the initial curriculum plan for which I enrolled in the program. I hope to hear a response soon from your executive team, I would appreciate a call not from a customer service agent, nor from a manager, but rather someone who can expedite applications.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX, XXXX and XXXX are consumer reporting agencies. Therefore I am the Consumer and have the right to make sure my private information isn't shared which is backed by 15 USC 6801 stating as follows : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by that definition so under that title as well as 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information. They do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked for all past, present and future issues. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' and ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not to mention 15 USC 1681C ( a ) ( 5 ) states as follows : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than XXXX years. This account is a negative item and is reporting again without my permission which is against the law.
Furthermore 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures.
Moreover XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' To be CLEAR, I am opting out of your reporting services for all past, present and future occurrences.
Furthermore this is securities fraud. Please familiarize yourself with the following : XXXX US code chapter XXXX subsection XXXX, XXXX XXXX XXXX entry and reports and transactions. Also look at subsection XXXX, fraud and related activity in confection with identification documents, authentication features and information.
Another one to look into is the following : XXXX XXXX concealment of assets from conservator, receiver, or liquidating agent.
Depending upon the response of this outcome, we will not hesitate to contact the SEC.
.
|
| 08/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have been at my wits end with this identity theft in the worst fashion of anything i have ever experienced in my whole life XX/XX/2023 I was given my injury work comp settlement for approval of XXXX. Since before that I have been having issues with XXXX every month. My identity was stolen, my devices that should of been turned in to XXXX werent logged into their system in XXXX and someone somehow mirrored my devices and even my location to act to take over my newly acquired XXXX, my company XXXX where I am a sole proprietor. They would even dupe transactions and use cash app ( where I was investing In the stock market for the first time ) where I was being charged double, Triple and even signed up to things I never signed up for! The hackers are able to even spoof my ip, location, devices and make it seem like its actually coming from me! It feels way beyond my grasp of concept and my credit went from almost XXXX to a XXXX in less than a day! Ive been complaining and schools first credit union now says its too old to despute one major one was a balance of a XXXX in my account where I closed one checking to open a new one where they credited me my remaining funds than took it right back but the money disappeared! This has happened to the majority of my funds, atm withdrawals duped where yes some of which were mine but somehow the people behind it are using a technology far more advanced than any Ive seen before.. I know have people following me, Im literally scared, not knowing what these people are doing in my name. Even feels like they want to frame me for something or set me up because I am an inventor and came up with a invention to help stop human trafficking. Maybe not the most popular business plan, and another an electricity to run without plugging in to any plugs.. cars, phones, houses, you name it. They have taken everything and I can barely make my car payment. I feel now they even are responsible for me missing important court dates, altering my business plans, sabotaging my resumes, partners, stocks, my insurance, even my car! Somehow they are able to remotely access my car without having my key faub, they are tracking me, intercepting everything and anything I try to do! They make me feel so powerless in my life like its not mine to even live anymore. I am only alive now because I followed XXXX XXXX on many occasions somehow I am reluctant to be alive. I do plan on exposing the companies who are involved and who turn a blind eye to criminal activity. XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I need help I have recordings and all XXXX, XXXX admins are taking over my whole lifestyle.
|
| 06/28/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
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Web |
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This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.
|
| 07/25/2023 |
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 |
Servicemember |
|
SchoolsFirst Credit Union Attention : Disputes and Fraud Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Immediate Removal of Fraudulent Credit Card and Personal Loan from Credit Profile Dear Sir/Madam , I hope this letter finds you well. I am writing to formally notify SchoolsFirst Credit Union of fraudulent activities related to my credit profile. It has come to my attention that a credit card with the number XXXX and a personal loan with the number XXXX have been unlawfully opened under my name. I respectfully request that these fraudulent accounts be removed from my credit profile immediately.
On XXXX XXXX XXXX I discovered the presence of these fraudulent accounts and I took swift action to address the issue. I have already filed a detailed police report [ Copy of police report attached ]. Additionally, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) to initiate an investigation into this matter [ Copy of complaint confirmation attached ]. Based on the supporting evidence provided, it is clear that I am a victim of identity theft, and I have taken all the necessary steps to rectify the situation.
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Section 611 ( a ) ( 2 ) of the FCRA states that credit reporting agencies should promptly investigate any disputed information and remove it if found to be inaccurate or unverifiable. I kindly request that SchoolsFirst Credit Union adhere to the responsibilities outlined by the FCRA and promptly remove these fraudulent accounts from my credit profile.
I understand that investigating this matter thoroughly may take some time. However, given the nature of the unauthorized accounts and the actions I have already taken, I would appreciate your commitment to resolving this issue as quickly as possible. I would also appreciate regular updates on the progress of the investigation and confirmation once the fraudulent accounts have been removed from my credit profile.
I trust that SchoolsFirst Credit Union is committed to ensuring the accuracy and integrity of credit reporting. I am confident that you will handle this matter with the utmost professionalism and diligence. Please feel free to contact me at [ Phone Number ] or [ Email Address ] if you require any further information or if there are any updates regarding my request.
Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Sincerely,
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| 07/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX XXXX XX/XX/2009 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Loan and Security Agreements and Disclosure Statement signed on XX/XX/XXXX between XXXX XXXX XXXX and SCHOOLSFIRST FEDERAL CREDIT UNION has had a billing error on my account since the opening of it. ( 12 C.F.R 1026.13 ( b ) ). As stated under the TRUTH IN LENDING DISCLOSURE : Amount Financed The amount of credit Provided to You or on Your Behalf.
{$26000.00} Evidencing a consumer credit transaction as my social security card number was ran in which is where the amount of credit of {$26000.00} was provided on my behalf for the payment in full on credit. Further proof is under section 13 of the SECURITY AGREEMENT that states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLIAMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALLE NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
In accordance with 16 C.F.R. 433.2 as the notice above is only used with any connection with any sale or lease of goods or services to consumers. As well as under 14 it states : You promise to use Your account for consumer ( personal, family, or household ) purposes, unless the Credit Union gives You permission to use the account for agricultural or commercial purposes, including, but not limited to, use of the Property in partnership with a transportation network company, or to purchase real estate. In which the Credit Union and I both agreed this use of property was only for consumer purposes only.
Under ITEMIZATION OF THE AMOUNT FINANCED it clearly states : Itemization of Amount Financed of {$26000.00} Amount Given to You Directly {$26000.00} Making it clear the amount I promised to pay the car of {$26000.00} was fulfilled when signing and transferring the Loan and Security Agreements and Disclosure Statement back to SCHOOLSFIRST FEDERAL CREDIT UNION for my property, XXXX XXXX XXXX with I.D . Number : XXXX. In which should of never lead to me paying FISTSCHOOLS FEDERAL UNION monthly as my property was paid for on credit and no cash transactions can/should be taking place when a consumer credit transaction took place in the first place. Attached is the letter sent in which got delivered XXXX at XXXX in which has not got any response back from!
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| 03/29/2022 |
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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The Credit Union 's information : SchoolsFirst Federal Credit Union - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/22, I contacted SchoolsFirst Credit Union regarding unauthorized transactions totaling {$5700.00} of over 20 transactions of a few hundred from XXXX and appealed for a fraud claim.
On XX/XX/22, I was contacted by XXXX from the fraud department and was asked questions if I was involved in an online scam where I had given away my information, but I told her I was not involved in anything XXXX. I told her I lost my wallet at work before, but that it happened over 1-2 years ago and the charges just came recently from XXXX which I had never used. I was then told I would receive provisional credit in the meantime as the investigation was ongoing.
On XX/XX/22, I had to contact them again because they haven't replied back in over 10 business days regarding my fraud claim either by phone, email, or physical letter. I was told the fraud claim was denied on the basis that I logged into my online checking account and saw the transactions, but did not report them in a timely manner.
However, when I pressed them if they had received contact or received any information with the XXXX company, they told me that the process takes time and they had not received anything regarding the unauthorized transactions that went through.
I believe this Credit Union is under violation of Regulation E as they were pressing me in the interview about my negligence, but I did not do anything stated under Regulation E. 12 CFR 1005.6 ; Comment 6 ( b ) -2. I told them several times they were unauthorized online transactions, but they had closed my claim on the basis of not reporting in a timely manner and for having logged in to my account even though my account is protected and I am signed up for fraud alerts ( which all of these transactions were never flagged as being suspicious ).
They did not give a reasonable investigation and closed the case prematurely having never worked with the company to solve the issues and also did not formally update me either email or physical letter. Provisional credit was also denied as a result.
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| 11/01/2020 |
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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On the week of the XX/XX/2020, I received information that my credit union, XXXX XXXX XXXX XXXX, would be merging with XXXX XXXX on XX/XX/2020. Included in that information was my new debit card -- I would later be informed that 40 checks and a guide for switching over should have been included, but they were not.
On Friday the XX/XX/2020, after exhausting available options -- registering my new debit card online and in the ATM -- I went to a branch of School 's, now XXXX XXXX, to talk to a teller directly. My debit card was going to expire, and I would be cut off from all access to my bank. The teller discovered I had not received the transition information, and printed this out in person. I asked what would occur on the XXXX of XXXX, since he refused to authorize the new debit card, and my old one would expire -- he explained that the card itself would continue to work until the new card was authorized, and confirmed this with his branch manager ( lies told by employees, myself and dozens of other users in the thread we started have discovered ). Assured, I received my new member information and went home.
I followed the instructions on the sheet to set up my account before the switch ; not only did the website deny I was a member, many of the links were not working. I discovered that the website and all their banking systems would go offline on Sunday, the First, when my bills were due. I watched in horror as a stream of declined card notifications rolled in, and when I started asking around, I realized I was not alone. I had to get someone else to pay my phone bill, just so I could call around, but all the bank 's phone lines are down as well. Someone was even trapped at a gas station ; this is unacceptable. No bank or credit union should be allowed to be this incompetent, cut hundreds if not thousands off from their money, maintain radio silence, and pick the worst possible date to do so. They should also not be allowed to lie to me and others as they had -- they're a credit union, not a XXXX XXXX. This is something they've handled terribly and I want some scrutiny and someone looking into this.
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| 03/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
Older American |
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I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018.
. They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months.
I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late!
I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed.
Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds.
Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.
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| 12/05/2022 |
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 belongs to someone else
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Web |
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Hello, I am an actual proud customer of SchoolsFirst Federal Credit Union and even have a car loan with them that I purchased XXXX week of XXXX of this XXXX. I disputed several times as I was contacted by the bank and saw that I had a personal loan in the amount of $ XXXX on my account that I did not authorize to open. For months, I have been in contact with XXXX and tried stating the truth to them that my boyfriend and now ex opened the account with no income and put my information down to obtain the loan. He has also let me know he does not plan on paying back the loan as I tried to ask him to pay on it so it does not affect my credit. I have disputed this with all 3 of my credit bureaus in XXXX and XX/XX/2022 and even submitted a payment to the bank on XX/XX/XXXX when I was surprisingly contacted by them for late payment. I have also presented to both the bank and all 3 credit bureaus fraud and attempts by my ex to include a restraining order I have had on him since XXXX of this year to stop all communication. XXXX has instructed me to dispute with the credit bureaus as well as file fraud charges. Currently, there is also an open criminal case of domestic violence against him as well as he continues to harass me. I have also re-submitted the disputes stating litigation and fraud for this loan. I have had thousands of dollars stolen from me by this man and this loan is still active. He is now stalking, harassing and even threatening me to pay him {$8000.00}. I have never had an issue with my bank and have always maintained a great relationship with them. I have also had several accounts that were opened illegally by XXXX XXXX to include a pet wellness account that I had ( after several months ) finally get canceled once I shown the restraining order and attempted accounts opened in my name for him to receive loan money. He should have never received funding from the bank with no income and most importantly using mines. Attempts to speak to him verbally to pay or I stated legal action would be taken there was no response but violence.
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| 11/27/2023 |
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 have been a victim of check and ATM fraud. Someone is using a fraudulent debit card to commit check and ATM fraud on my checking account. On three different occasions, someone used a debit card with my name ( counterfeit debit card ), deposited the checks into my bank account, and withdrew money from my checking account. The fraud totals to {$3000.00}. The first crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The second crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The third crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. I did not do or authorize all transactions. My debit card has always been with me, and my debit card information nor PIN has been shared with anyone. A fraud claim has been reported and opened with my bank SchoolsFirst Federal Credit Union, requesting a credit of {$3000.00} back to my checking account. The bank has a video of the person committing the crime with the fake debit card ( they have confirmed it is not me in all ATM videos, but a known scammer to SchoolsFirst Federal Credit Union ). The bank also has all the names of the person names ( payers on the checks ) on the fraudulent checks used. I filed a police report with the XXXX XXXX Police Department for Check & ATM fraud, identity theft, and forgery ( case # XXXX ). The bank is still holding me liable for the fraudulent {$3000.00} transactions done without my authorization and knowledge on my checking account.
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| 11/06/2016 |
Yes |
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Web |
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on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.
|
| 01/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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|
Web |
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I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current.
I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy.
In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.
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| 07/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I had an existing vehicle loan with schools first federal credit union when I purchased extended warranty from them for this vehicle. On XXXX XXXX I purchased the extended warranty platinum plan for XXXX miles for approx {$1200.00} which was added to the existing auto loan. In XX/XX/2023 the vehicle broke down. Upon reaching out regarding warranty an info email was sent to me. This email reflected incorrect start and expire mileage for the vehicle warranty. It was alarming because it appeared the warranty had expired based on mileage. I followed up and the company indicated that was the mileage reported by the bank at initiation of the contract. I would need to have the bank make the correction on their end.
It seemed an easy fix. The bank confirmed correct mileage using car fax info and submitted the request only to discover i would have not been eligible to even purchase this plan because at the time the car mileage was above the cut off for the platinum plan. This is resulting in a {$500.00} increase to backdate and adjust to the gold plan which the warranty company agreed to.
The gold plan is only covering about half the cost of repair -which I anticipated based on my purchase of the platinum plan that i would only be responsible for the deductible. With the comfort of my full warranty for XXXX miles i made the choice to keep this vehicle rather than trade it at which time the value of my car was very high. Now the value is lower and XXXX left with high rental car cost and {$2000.00} out-of-pocket repair. I feel the bank is responsible for this cost since I was unable to make informed decisions at XXXX XXXX of warranty purchase and subsequently since with regard to keeping the vehicle or not based on their error. The bank has denied request for reimbursement of out of pocket cost less the deductible.
Thank you
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| 04/05/2023 |
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
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|
Web |
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XXXX I opened a auto loan with schools first Federal credit Union and paid that auto loan in XXXX I went outside United States and in XXXX probably after the XXXX data breach for which I have a fraud alert on credit report I was told that a school 's first Federal credit Union credit card has been open in your name with the entire credit limit taken out as cash advance I was very skeptical that after 4 years a fraudulent card opened and how come the entire credit limit was drawn as cash I contacted schools first which conveniently denied and said if you don't make a payment we are going to put 30 day past you on your credit report so in order to save my credit report I started making a payment but on the other hand I started disputing them also schools first played delaying tactics and constantly told me that you need to make a payment finally I decided to quit payment as it was going nowhere I contacted XXXX XXXX XXXX who is the top guy in schools first he investigated and told me that the card was sent to their creating services which probably send it to some Branch we don't know which branch went but we do know that somebody took out cash advance from that card the whole entire limit I told them that see it is very evident that the card was never mailed to my address I never received the card I was not even in the United States the card was sent to nowhere and was used by someone school 's first is still keeping me whole stage against my credit report please help me to remove this card listing from my credit report as it is fraudulent I'm attaching the identity theft report and XXXX XXXX XXXXXXXX XXXX email as an evidence
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| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX I refinanced two mortgages with my credit union, Schools First Credit Union. At the end of the refinance process I only received closing documents for the one of the home but no the second home. When I inquired about the missing documents I was told to wait because of course the County of XXXX XXXX was backed logged. I wanted a complete year. I notice that only the taxes on my primary home was paid in XXXX of XXXX, so I inquired about the second home not being paid. They ignored my concerns so I paid the complete bill myself. It is only then that they tried to come behind and pay the same bill ; however, my payment cleared first. The credit union has yet to give me back the refund the county sent back to them in XX/XX/XXXX. I then went into the back on XX/XX/XXXX and spoke to the same Manager, XXXX XXXX, whom helped me earlier in XX/XX/XXXX. She informed my that they would put the money into my checking account in 5 days. Instead the institution took an other withdrawal from my escrow account and sent it to the County. Schools First was given proof that XX/XX/XXXX and XX/XX/XXXX taxes had been paid in full by in XX/XX/XXXX by me.
Their mishandling of paperwork and my funding has caused emotional and financial hardship. It is giving me XXXX and I can not catch a break with my bills and spending because they have not refunded me the money. It seems that their institution is penalizing because I inquired about the missing documents at the end of the refinance. They have been dismissive and seemingly punitive toward me and my accounts ever since. I feel harassed and financially victimized.
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| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Working with California Mortgage Relief and Schools First, my lender.
Schools First engaged in a pattern of lies and deception for almost a year as they scheduled 5 foreclosure sales on my home without informing me of a single one of those sales. " Lost '' my paperwork for the program XXXX times ( not an exaggeration! ), then used these " losses '' of paperwork to schedule even more foreclosure sales. " Lost '' recorded phone calls proving I had an agreement with them. " Lost '' details of other numerous phone calls I made to them.
I filed a complaint with the CFPB - their response? " Why, we here at Schools First are *wonderful* at customer service. XXXX XXXX is just a grouch and he complains all the time ( by the way, almost 40 years there and I have never complained before! ). We do everything right and he's just a meanie! '' As of now, the California Mortgage Relief allows {$80000.00} to catch up. I was {$36000.00} behind and they illegally added late fees and interest ( against the law when the amount is in dispute ), ballooning it to over {$75000.00}. That leaves {$5000.00} for the 2nd mortgage. I applied for that {$5000.00}. I sent Schools First screen captures showing that I had applied for the rest of the funds to be applied to the 2nd mortgage. They then IGNORED ME COMPLETELY, REFUSED TO RESPOND, and then sent each other emails saying " DON'T RESPOND TO XXXX. '' They also through lack of technology skill and general lack of intelligence SENT ME THOSE EMAILS. I have attached a sample from the DIRECTOR of Loss Mitigation at Schools First
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/21, I sent SchoolsFirst FCU a letter stating the following information pursuant to 15 USC 1692g ( b ) : The alleged debt of {$3900.00} is disputed.
They received the letter on XX/XX/21. See Exhibit A.
On XX/XX/21, I received communications from SchoolsFirst FCU in the form of an Account Summary. They did not cease attempts to collect on the disputed debt of {$3900.00} for 30 days until they obtained proper verification of the alleged debt, or provide me with the name and address of the original creditor, pursuant to 15 USC 1692g ( b ). They continued to send bills in the form of an Account Summary on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. See Exhibit A.
On XX/XX/21, I filed a Small Claims case against SchoolsFirst FCU. See attached.
On XX/XX/21, I received communications from XXXX stating that the disputed debt in question was DELETED. See attached.
On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of phone calls at very inconvenient times without any prior consent given directly to them to do so, which is a violation pursuant to 15 USC 1692c ( a ). See Exhibit B.
On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of a letter, using obscene or profane language, threatening to report this account to the credit bureaus. By doing this, they have ruined my general reputation as a consumer. SchoolsFirst FCU is in violation of 15 USC 1681. See Exhibit C.
|
| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
|
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Per complaint XXXX first agreed once again to remove negative information off credit report. And again they have failed to do what they have promised. This should be investigated. They have impacted my life negatively for too long and cost me WAY to much money due to their incompetence!
This way their last promise which again they failed to follow through.
We received the complaint filed with the CFPB by XXXX XXXX. In the complaint Ms. XXXX indicates that she made an agreement with SchoolsFirst FCUs attorney to remove the charge off from her credit report once her insurance company paid her vehicle loan in full. SchoolsFirst is now refusing to remove the charge of from her credit. Upon review of Ms. XXXX account we can confirm that Ms. XXXX contacted us on XX/XX/2016 to let us know that her vehicle was totaled and in the possession of XXXX XXXX. Our records indicate that Ms. XXXX vehicle loan charged off on XX/XX/2016 for being 180 days past due in payments. On XX/XX/2016, we received the full pay off from XXXX XXXX but did not report it as paid in full closed account per the agreement reached between Ms. XXXX and our attorney. Instead, we incorrectly reported it as Paid Charge off on her and her cosigners credit. We apologize for our error. We will update her credit report as agreed by our attorney paid in full closed account and apologize for any inconvenience we may have caused by our error in reporting. Thank you, XXXX XXXX XXXX XXXX XXXX
|
| 03/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Upon working on our taxes on XX/XX/XXXX, we discovered 32 withdrawls from our checking account, to XXXX XXXX, on the dates of XX/XX/XXXX and XX/XX/XXXX, totaling {$380.00}.
I did some research and looked at all of our households XXXX IDs. I found the charges for in-app purchases for the game called XXXX XXXX XXXX 2 over a three day period from XX/XX/XXXX- XX/XX/XXXX. I believe these purchases were accidentally made by my XXXX year old son. These purchases were unauthorized and quite excessive. I did not receive notification or emails regarding these purchases, nor did my bank flag these purchases as possible fraud.
As soon as I discovered these unauthorized purchases, I contacted XXXX to ask for a refund. The XXXX rep, XXXX, tried to reverse the charges but said she could not do it because it had been more than 90 days. She recommended that my bank might be able to help me. I called my bank and they were unable to help me, since they said they tried to do a chargeback to XXXX, but that this would not work as it has passed the 60 day period that XXXX guarantees. I contacted XXXX XXXX, developer of XXXX XXXX XXXX, which had the hidden in-app purchases. XXXX XXXX told me they can not help me, and only XXXX can help me.
No one will help refund my money and I feel like this was excessive, fraudulent, unauthorized ... 32 charges to my bank account over 3 days, at almost {$400.00}.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report.
In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
|
| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This is in reference to CFPB XXXX XXXXXXXX. I appreciate Schools First Federal Credit Union to not ignore my inquiry. However I still feel the problem is not solved. Maybe I need to ask a direct question. Did the lady who administered our unsecured loan at your facility have what is called a ( DBA ) Doing Business As under the California Secretary of State please provide me that information if you don't understand what I'm talking about I will submit mine. If your employee who is conducting business in California doesn't have one then this contract is Voided. Also I would need a Financial Forensic Audit showing where the money originated from on this Loan. I have recently secured my All Caps Name with the Internal Revenue Service and now have Power Of Attorney of this Estate and I'm doing a little housekeeping. I would also like to know if School 's First Credit Union have paid taxes on the money you received from my Trust Estate and have reported it to the Internal Revenue Services. I will wait for your response before I have them looking into this loan. Thank You so much for your Cooperation. Also why didn't Schools Financial credit Union CFO respond to the Affidavit. An unrebutted affidavit becomes judgement after 30 Days. I want to peacefully work with schools to mitigate this situation as soon as possible
|
| 01/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Received an email from my credit union on XX/XX/XXXX XXXX Schools First of California- that my account email had been changed. Went to check my account and someone had been using XXXX to connect to my Savings account, evident through microdeposits and withdrawals. I tried to freeze the accounts with my credit union, but they said they could change all of my accounts except the one that had been compromised, because it held my " stake '' in the credit union. They assured me they would cover any losses, and put a stop payment on XXXX, and told me to keep an eye on it.
A few days later there were new micro deposits and withdrawals from XXXX. I called the credit union again, and after several hours on hold they told me someone would call me back within five days. I found this insufficient action to protect my life savings, so I asked them to close my accounts. They wired the money to a new account I had opened that day and told me that confirmation of the closed accounts would follow in the mail. I'm not sure if they looked into who accessed my account, but the email address they used was XXXX. They also email bombed my email address the same day they changed my email address in my bank account.
I'm hoping my identity information has not been further compromised.
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
SchoolsFirst uses their unique position as a branched bank to execute XX/XX/XXXX collection tactics, while skirting FDCPA and FCRA laws. Aprox. 7 months ago, my spouse visted the XXXX CA branch to apply for an auto loan for our daughter. This was an individual application with no co borrower.
For reasons unknown, the agent told my spouse that I owed the bank money. My spouse was confused because she did not solicit any information regarding any accounts, balances, disputes or alleged debts not associated with her legal obligation of repayment.
My name was not given, and I was referred to as " her husband. '' The agent had no idea of our legal marital status, and assumed that we were still married.
After speaking at length with XX/XX/XXXX, one of which being XXXX, the branch XXXX from XXXX CA ( who basically stated that she questioned the validity of disputed debt disclosure in her branch ), it is absolutely evident that the Credit Union is practicing questionable tactics to recover disputed debts and skirting consumer protection and collection laws by divulging information to other bank members in hopes of embarrassing them or generating payment from disputed debts while calling themselves " creditors '' and acting in the capacity of a debt collector.
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX was outsourced by SchoolsFirst FCU to pursue DISPUTED DEBTS over 8 years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. XXXX XXXX ran a HARD INQUIRY. After speaking with the Collection XXXX of SchoolsFirst, it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the SchoolsFirst was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth.
XXXX XXXX XXXX is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old XXXX debts, by XXXX consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level.
They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
SchoolsFirst FCU CHARGED MY ACCOUNT {$320.00} for a XXXX XXXX vacuum that was RETURNED. XXXX sent an email to me verifying the return. XXXX lied & claimed it wasnt the same vacuum. When I demanded proof, they did not reply and KEPT my money and CLOSED my XXXX account after my having this account for over 10 years. I disputed the charge with SchoolsFirst FCU but they did believe XXXX. I demanded PROOF from XXXX that the return was damaged or not the same. Absolutely NOTHING was sent! XXXX NEVER sent back anything ; never sent proof but they KEPT THE RETURN and KEPT MY MONEY!
Schools First Supervisor XXXX AGREED with XXXX in spite of the evidence to the contrary and she charged back my account {$320.00} causing my account to go into the negative on XX/XX/2021.
XXXX & XXXX at XXXXchoolsFirst FCU have demanded that I should have kept and paid for defective items and that I should have had continuously allow XXXX employees to fraudulently use and steal my debit card to make fraudulent purchases on my behalf.
SchoolsFirst FCU AND XXXX continuously tell me that there is NO ONE who will refund me or who I can talk to or that someone will call you back. No one does but steals my money instead and keeps my account in the negative : /.
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I had gone to the bank on XX/XX/XXXX to check my balance and they notified me I had very little money on my account, they looked into it and they gave access to someone who had called the customer service with all my personal information to online banking, they ordered a new debit card, they changed my address, phone # and increased the limit of withdrawals per day. The bank did not protect me at all, it has passed 2 months and they dont return my calls. The amount they took out of my checking account was {$15000.00} on the month of XX/XX/XXXX. I am an XXXX person XXXX XXXX XXXX and i feel that the bank didnt protect my account or alerted me. I never use my debit card and they released it so easily. They keep on telling me that I must of given someone all my personal information and thats why they had accessed my bank. I dont give any personal information to anyone not even my kids or grandkids. The person in Fraud dept knows for sure this is fraud and someone tried to have access to the account because she spoke to them 10 before me getting to the bank to check on my case. I dont understand why are they not returning my money, its not my fault the customer service fail to to their job in protecting my account.
|
| 09/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
To Whom it may concern, My name is XXXX XXXX and I have been the victim of a fraudulent landlord. I have been in contact with this landlord since he reached out to me from a rental website ( XXXX ) as I was looking to move into his home in XXXX XXXX. The landlords name is XXXX XXXX, who checks out as a certified agent after doing research on him. After applying to his home, he reached out to me asking why I was interested and followed up with other general questions agents and landlord tend to ask tenants. To summarize, we built good rapport and i continued with the application process. A week later, he emails me the good news that I have been approved and i just need to wire him the security deposit, first months rent, and last months rent. All which i did through XXXX and XXXX. He then tells me the keys will be expedited to my current address by the next day. Well, the next day comes and he is unresponsive. Not only do i not receive any updates from him but the keys never come. I instantly drive out to the property and the current tenant there knows nothing of a XXXX XXXX. Please help me, I have spent most of what i have in this transaction hoping to obtain this house. Only to be left with nothing.
|
| 04/14/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
SchoolsFirst Federal Credit Union has closed my account and garnished my social security payment for XXXX leaving me unable to pay my rent. This put me at risk for eviction and XXXX. It is my understanding that garnishing social security payments is disallowed because it is considered protected income.
SFCCU has told me they have done this because I have been unable to make my Mastercard credit card payments ( which had been active for the last 25 years ). I have had to stop making payments because I have a limited income, have been challenged by unemployment, and the need to travel to and from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who have had several serious medical issues requiring XXXX This has prohibited me from working full time.
I respectfully request that the CFPB intercede and have SchoolsFirst FCU give me access to my social security benefits immediately so I can pay my rent ( due today ) and to continue to give me access to my social security funds for subsequent months so that I can remain in my home. I can not afford to move.
Thank you for your time and consideration.
XXXX XXXX XXXX XXXX XXXX
|
| 03/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed an order with XXXX on XX/XX/2021 through their website in XXXX as we were vacationing in XXXX at the time. The order was immediately cancelled after being placed realizing that the shipping address being displaced on the order half in XXXXh and half in XXXX. I have provided the financial institution with copies of the orders cancelled with XXXX, and a letter explaining in detail how the situation occurred. I also made multiple attempts to contact Amazon.com/mex to no avail. XXXXx claims they did not receive any money for the order in question, therefore, there is no credit to process.
After contacting the financial institution regarding this problem, they issued a provisional credit to my credit card. However, that credit card charge was then reversed and I was billed again for items that were never shipped to me on an order I cancelled immediately after being placed. I also made the financial institution aware that, there are no tracking numbers showing that the order was shipped. XXXX did not provide any items for the money they are billing me, therefore it is an unauthorized charge. The total charges are for {$140.00}.
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2022 in the early morning after checking my bank account I noticed multiple fraudulent transactions one after another from a merchant outside of the country. The total of the transactions was about {$5400.00}. I immediately called schools first to let them know that those transactions were fraudulent and that I had not been out of the country or authorized anything. Schools first assured me that this would be taken care of and immediately issued a credit. I assumed this was all done and taken care of but it wasnt. School first came back later and denied my claim later withdrawing the credit issued and pushing my account to - {$5300.00}. From what I have researched. It seems that my debit card information was phished and used to make fraudulent purchases. Schools first failed to protect me as a consumer and approved multiple huge ticket transactions. Schools first failed to abide by XXXX zero liability protection as well. I will not be held accountable for transactions that were not authorized by me and request that schools first abide by XXXX zero liability policy and reinstate my negative balance to a XXXX balance.
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 I sent out a certified letter with a return receipt to XXXX and Schools First Credit Union cause it came to my attention that they have been inaccurately reporting XXXX accounts on my consumer report.
XXXX XXXX # : XXXX Schools First Credit Union # : XXXX Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics.
These negative accounts have been placed as a Collection/Charge-Off status WITHOUT mailing me a copy of IRS 1099-C Cancelation of Debt. XXXX and Schools First Federal Credit Union are reporting Collection/Charge-Offs, Late payments, and other derogatory information on my consumer report are in clear violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities. If these derogatory accounts are not deleted within 10 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
My Credit Card Account ( Schools First Credit Union ) was sent to the credit bureaus as a 30-day late in XX/XX/2022 which took my score down XXXX points with XXXX.
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a 30-day late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.
|
| 01/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed an error on my credit report previously. It was fixed at that time. Now XXXX has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}.
I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me.
This account is WRONG. it is not late. It was satisfied and closed in XX/XX/XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust XXXX to not change it back.
Remove SCHOOLSFIRST FCU " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. XXXX IS TRASH.
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Older American |
|
Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. SFFCU TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX SFFCU.
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT?
And what happened in my complaint number above lead to screwing up my credit0 do to their Constructive Fraud on the Overdraft loan 80 and the Personal loan 81. I now can not purchase a car NOW.
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current.
|
| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX that this writer made a payment 60 days late and reported to XXXX and XXXX that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX and XXXX. However, this writer never received the remedy communicated for the above violations.
|
| 12/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX California XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I went to Schools First Federal Credit union the next day because they don't have a phone service in weekends and reported this fraud. But they will not do anything.
|
| 09/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022, two charges were made to my account that were unauthorized ; one in the amount of XXXX and the other XXXX. These were charged by XXXX XXXX. I contacted XXXX on that date to find out what was going on ; they told me no charges were made to my account. I contacted Schools First to file a claim ; I was given a provisional credit while they investigated. I gave them everything I had regarding the transactions. On XXXX these fees were reversed. I was asked to provide additional information from XXXX XXXX which states I did not charge this to my account. I do not have confirmation because I did not make the transaction ; it was fraud! XXXX states they did not charge my account. On XX/XX/XXXX I contacted XXXX again and was told I had to file a complaint online but it could take 30 days. The confirmation/ case # is XXXX. I am filing this complaint because it is close to the 60 day mark in which the transaction was made. I just want this problem resolved and my money back.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
SCHOOLSFIRST XXXX - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete.
SCHOOLSFIRST XXXX This is not my account. It may belong to a family member. I never opened this account, have no knowledge of it, and have no relation to it. Please verify its accuracy, including name, address of record, date and place of origin, etc.
SCHOOLSFIRST XXXX - Not my account, Never received anything verifying this is a debt or its relation to me. This is strict violation of FDCPA and FCRA. Please remove immediately. Additional please verify this account is not untimely, inaccurate, unverifiable or incomplete.
SCHOOLSFIRST XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
|
| 05/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had fraudulent charges on my account due to my card getting stolen and I potentially knew who the suspect may have been. I reported it to my bank gave them all the information I had and they asked that I do a police report. I did the police report answered any questions they had and that was it. My bank tells me Im denied because I didnt name the potential suspect to the police. They also said there were no errors on my access code to my debit card. I called back explaining that I believed the information I gave the bank and the police were sufficient for them to work together to look at cameras to see who may have actually used my card. The individual working on my case told me from the beginning that they can deny my claim for nothing if they really wanted to however he felt as though I withholding information on purpose. Overall this put me in a very bad situation financially. Im not able to pay my full rent or car payment at all.
|
| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I disputed inaccurate and incomplete information regarding XXXX XXXX XXXX XXXX XXXXXXXX with XXXX, noting that multiple paid months say No Data '' as well as inconsistent information being reported regarding the date of last payment and alleged delinquency. See attached dispute letter, credit report, and bank statements for XX/XX/XXXX, and XX/XX/XXXX, which are months where payments have not been reported to XXXX.
I also disputed incomplete information regarding my SchoolsFirst FCU XXXX loan account with XXXX, because there are 11 months on the XXXX report that are inaccurate and incomplete regarding my Auto Loan payment history. See attached dispute letter, credit report, and bank statements for the incomplete months.
After disputing with these credit reporting agencies, SchoolsFirst claims on correspondence dated XX/XX/XXXX that the information is accurate and there is nothing to update. See attached.
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, SCHOOLSFIRST FCU XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SCHOOLSFIRST ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
|
| 12/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
Wrote an email to SchoolsFirst Credit Union after I received by statement saying I qualified to skip a payment ( which they did not include in the statement ), but that I would continue to have interest accrue. This does not help - a deferred balloon payment with compounded interest is no help. The statement also proffered that they were 'UPDATING '' a " new design ''.
I had asked for help in XX/XX/2020 because of COVID-19, schools were closed, so there were no paychecks since XX/XX/2020. They said the same - a deferred payment that would continue to compound interest. Not even negotiating interest for an elderly customer who had asked for help during this COVID-19 Pandemic.
I suggested they pass the cost of a " updated statement : designer '' onto the teachers who are SchoolsFirst customers who are pleading for help re : COVID-19.
|
| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I purchased my house in XXXX of 2019. I signed the contract with agreement to the established predetermined payment. I recently received my mortgage payment and discovered it had increased by {$400.00} p/mo. No explanation, or previous notification was provided. After making numerous calls to the lender, as well as the tax collector 's office, I finally discovered that the lender made an error at the time of the sell by underestimating the annual property tax.
The lender is now charging me an additional {$200.00} p/mo. for the corrected property tax amount. This I understand. The part I am not in agreement with is the additional {$200.00} p/mo. that they are now charging me to compensate for the loss they incurred this past year as a result of their error.
Thank you in advance for your time and consideration with this matter.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so sometimes the XXXX payment comes on days I don't expect because it takes 3-5 business days to deposit. My schools first bank account was over drafted many times and they have given me 12 fees re-imbursed but now when I ask for the fees reimbursed they said they already reimbursed more than 12 fees and I have exhausted all help when it comes to this. I heard Biden say he made these fees illegal referring to them as junk fees. Please help I try to be a servant of all and this is how i'm treated no mercy from a XXXX dollar bank they need my money. It's written how you treat the least among you is how you would've treated XXXX. Please investigate Schoolsfirst XXXX for their blatant thievery and greed of taking from the least financially inclined individuals.
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have an account on auto pay with XXXX XXXX through my bank XXXX XXXX XXXX XXXX XXXX charged my account twice. The second charge was unauthorized and there was no money in my account but Schools First Federal Credit Union went ahead and paid the amount withdrawing the money from my savings account just to charge a {$22.00} fee. I did not authorize the credit union to pay overdrawn checks from my savings account nor have I signed any papers to authorize this but they are all in cahoots, help each other scam people and charge fees. In the mean time XXXX XXXX says they have cancelled the second transaction but 3 days have passed and the money is not in my account.
These thieves give me the run around blaming each other and I am out of {$380.00} plus {$22.00} and the harassment from them and am now in dire straits.
|
| 11/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I bank with Schools First Credit Union for many years. I have a personal and car loan through them. I do n't normall look at the transaction but today I did. My payment is set up to pull from my checking account automatically. The banks allows a 15 day grace period before the payment is considered late. Today I discovered that the day after the payment is due if the funds are n't able to auto draft they charge a {$20.00} NSF fee even though they have a day grace period.
Can they legally do that? What about a 15 day grace period?
Between both loans I have been charged about 10 times ( {$200.00} ) just this year. I have no idea how long this is happening.
Because they are turning around charging me {$20.00} I am paying interest on a higher amount when I think my balance is being reduced.
Thank you
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Schools First federal credit union. On XX/XX/XXXX I made my final car loan payment ( proof attached ) the bank teller told me that the car title was going to be mailed to me. 2 years later I have not received the car title/pink slip.
Neither the bank had communicated with me in any way, no mail correspondence at all in 2 years from the bank.
On XX/XX/XXXX I walked into bank main offices to inquire about my car title. I was attended by XXXX XXXX XXXX after a while she said I can not give you your car title because you have credit card balance with us from XXXX. No proof or copies were provided of such thing.
*Stop the bank from doing tricky practices. The car was totally paid in full and car title should be release no other costs or debts should be added to the car title. Thank you
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been XXXX sense 2013. I have been home for 2 yrs now o have been fighting to to get information removed with these companies I have submitted verification of ID theft reports, XXXX documentation, proof of address, Drivers license and utility bills proving the state I live in and the reports are still showing this information some will come off and a few months latter they are back on my credit profile. Also once I disputed these items and the place the back when the original dates may have stated it will remove at a certain date and year but when I dispute it the credit bureau reports it back for another 3 to 5 years to be removed. Which makes the account way past the statue of limitations law for credit reporting even though the accounts are not mine and fraudulent.
|
| 03/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below.
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.
I demand that this unverifiable information be removed from my credit report immediately. The XXXX-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.
Please let me know if you would like any further revisions or if you have additional concerns.
|
| 11/17/2021 |
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 |
|
|
XX/XX/2021 I filed a fraud disput with school first because I was cheated by the XXXX XXXX XXXXy who charged me for the service repair tgey never provided After all this time on XX/XX/2021 I received a letter that Schoolsfirst wants a proof of I paid a fee for the service which its {$150.00} XXXX email and the fax number doesnt work and they arent helping at all after all this time not only they failed to resolve now tgey caused me extra head ache This past Sunday I fell and broke my knee and my husband is out of country I am by my self and cant drive School first thinks I made all this up and disregard my saying that email they gave me wont go So without resolving my issue after 6 month they took XXXX {$150.00} out of my account
|
| 07/27/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
Date of Occurance : XX/XX/19 XXXX XXXX XXXX ( XXXXXXXX ) XXXX-XXXX XXXX va Schools First Credit Union Transfer Amount : {$150.00} XXXX does not offer fraud/scam protection services for their clients. Although it is deemed as trusted by banks, neither institution is willing to help me get my funds back. My bank, SchoolsFirst Credit Union, denied my right to file a claim for any XXXX authorized transactions. They say I have no option but to attempt to contact the person who Scammed me. This person is unreachable and non-communicable, they did not and will not send the product or goods that were promised as part of the transaction. His name on XXXX Account is XXXX XXXX. His Email : mailto : XXXX and phone number ( XXXX ) XXXX-XXXX.
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
There was a check fraud of unauthorized transaction of XXXX dollars Transaction occurred on XX/XX/2020.
I noticed it on my account about a week after it happened..
I have notified my bank, Schools First Credit Union, within 14 days. ( this number is accurate, as I remember notifying before 14 days.
They told me I have to fill out a check fraud report unless I don't get cover this money ....
Due to heavy volume schedule at work, I didn't find the time to visit the bank..
They told me I can't get my XXXX dollars because I came in too late ...
I have reported the fraud within less than 14 days after it happened ...
Not even near the 60 days of not reporting of this case ...
Could you please help me with this case.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
|
| 11/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SCHOOLSFIRST. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXXXXXX XXXX I attempted to deposit money in a Schools First Credit Union ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. The ATM took my cash. It was in the midst of counting it and stated I had {$290.00} at that point, and then it said transaction was incomplete. I called my financial institution ( XXXX XXXX XXXX ) on the first business day possible, which was XX/XX/, and they stated they were able to see a deposit attempted, but it didn't show any money whatsoever. They issued me a conditional credit, but said that would possibly be reversed. I am certain I deposited that cash, and I need that money to pay my bills.
|
| 09/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.
|
| 02/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern, My wife and I were trying to do a loan modification with our lender, Schools first Federal Credit Union, after receiving forbearance. My wife was laid off and we were getting behind on our payments. We still are behind on our payments and last year when we reached out to Schools First we believed that the Loan Modification was going through the process. Well come to find out all that Schools First did was defer the payments. When we talked to our lender and mentioned to them that we really wanted to do the modification so we can lower our payments. Schools first told us to start the process all over again.
|
| 08/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Debit card was stolen earlier this year and theif apparently knew my PIN number ; Schools First Credit Union honored the claim and refunded my money. I notified the bank of my missing walled within 8 hours.
I lost my new debit card ( new PIN ) and thief, somehow, used my PIN ( according to the bank ) and the bank will not honor my claim. There were 30+ transactions in the single day compared to my maximum activity of, maybe 5 transactions a month. Someone should have flagged all that activity. I notified the bank of my missing card within 24 hours.
Please tell me how to enforce the bank to return my stolen {$9000.00}.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I was charged without receiving the service listed in the amount of {$190.00}. I notified School 's First Credit Union the day of the charge with a detailed explanation. I also discussed this transaction with the vender later that same day and explained that I had already submitted a request for reimbursement. I've had to contact School 's First multiple times in reference to this transaction but the results have been less than satisfactory. Now, almost 2 months later, I am still waiting for a resolution. The vender has repeatedly told me they will refund the transaction. I need this resolved immediately.
|
| 07/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Ordered XXXX for a trial offer of {$29.00}. The website states " 100 % Money Back Guarantee '' and " Hassle-Free '' returns. On homepage of their website there is NO hyperlink to review details of either statement. The credit card company has closed the issue without refunding any payments taken from XXXX. XXXX refuses to accept the product ( s ) for refund, XXXX refuses to refund my money, XXXX refuses to accept the product to be returned. Schools failed to pursue due diligence prior to closing this dispute.
I have additional attachments ; however, due to size am unable to upload documents. Please advise
|
| 11/13/2023 |
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 |
|
|
On XX/XX/2023, my XXXX account experienced unauthorized access by an online scammer based in XXXX. Subsequently, my XXXX XXXX, linked to my Schools First XXXX card, was compromised by XXXX. Promptly, I informed my bank, filed a XXXX claim, and awaited a decision. Regrettably, as of XX/XX/2023, my claim was denied, and no detailed written explanation for the denial has been provided by Schools First Federal Credit Union. This is unprofessional on Schools First because they failed to notify me as a customer, I had to contact them for a decision and update. My money is not secure at this banking institution.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
In 2016 I was in an accident in my finances XXXX through schools first credit union. I was having issues with 2 insurance companies and it took a while for the pay off to get authorized. Schools first was aware of the issue but still chose to charge off debt on my credit report, with a pending payment. I made an agreement with the attorney that works for Schools First, that instead of the charge off and repossession of a totaled car I would be sure the insurance company paid them in full, and the charge off was to be removed. Schools First is now refusing to remove the charge off on my credit report.
|
| 11/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
XXXX XXXX XXXX decided to merge with schools first credit union effective XX/XX/2020. they failed to do so and they failed to send me temporary checks by XX/XX/XXXX, XXXX their website also failed so i was unable to create a new account, access any bill pay system or access my funds i live 2 hours away from a branch office and ALL of their consumer service contacts are unresponsive i'm unable to call them, chat or email them.
i have payments that need to be made, like my mortgage!
there should be consequences to them for such an epic failure.
|
| 04/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I, XXXX XXXX XXXX entered into a consumer credit transaction with Schools First Federal Credit Union for the purpose of obtaining property on credit on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defined the finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Schools First Federal Credit Union made me purchase it separately. Schools First Federal Credit Union also failed to provide my with the proper rescission forms.
|
| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this shools first XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I had this credit union for years however I never opened this particular account
|
| 10/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I have had my checking account with SchoolsFirst FCU for a fee years and have ALWAYS paid my bills on time with them. My account is a functioning daily usage account. I have been threatened by a customer service agent called XXXX that my debit card usage will be cancelled and that I will be allowed ONLY ATM use because of the number of disputes that Ive had! I have ALWSYS povided and offered to provide physical AND email conversations with vendors that VERIFY and SUPPORT the logic of my disputes.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Schools First FCU at XXXX.XXXX. XXXX XXXX XXXX XXXX, CA XXXX is reporting multiple account numbers to the credit bureaus on for an account on my behalf thus for making the reporting inaccurate and not the same across the board creating additional reporting I have pointed this finding out to all three bureaus just for them to either poorly investigate or not even investigate at all and continue on stating the information is verified when I requested and challenged the inaccurate reporting
|
| 04/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I have applied for a {$15000.00} auto loan with schools first credit union. They originally asked for my paycheck stubs and after furnishing them they ask for other paper work like my 1040 schedule c and a schedule one, which is so new the phone agent didn't even know what it was. So, how am I suppose to have this document. They are making it almost impossible for me to get a loan. I believe I'm being racially profile and not getting equal treatment.
|
| 08/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I'm a joint owner of this account. The account fell pass 30 days, Schoolsfirst never notified me, called or email. Myself and the primary owner are divorced and I dont have any contact with her. Now my credit shows 30days late, I had no idea that account was late. Schoolsfirst will not provide a web login, they wont even let me know the address on file. They never sent my any any invoices to my address. I want the 30 days late removed.
|
| 04/19/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent as of X/2012 ev en thought they have always been current.
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A schools first car loan was opened for a used car.
Schools first receives payments on time from me and continously has reported late payments, without demonstrating any proof or evidence to substantiate the claim.
Account opened : XX/XX/XXXX Account amount : {$30000.00} I went into the branch and personally spoke to the manager and called customer service for schools first to correct the inaccurate information on my credit report.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting ac XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 06/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid in a settlement to XXXX XXXX XXXX in XXXX of 2020 yet still reported as late and unpaid. I am only responsible for half of this debt and have a divorce decree I offered to provide documentation however was told I was still liable for the debt. I then asked if I could settle the debt since it is currently affecting my credit score. I have yet to receive anything in writing however the account was paid.
|
| 10/24/2019 |
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 |
|
|
During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM 30 days late on XXXX only I would like these negative accounts on XXXX removed : XXXX XXXX XXXX accounts XXXX accounts removed
|
| 07/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Somehow I got my accounts mixed up in a purchase that was suppose to be linked to my bank account instead it was my saving account which had no funds in it, however Schools first proceed to charge an nsf fee for something they didn't even pay 4 times over. This should have been automatically rejected and no fee assist. I would think an nsf fee should only apply when an item is paid.
|
| 01/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
|
| 09/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
I purchased online and used XXXX from my checking account to pay for the product. The online vendor did not ship the order and didn't reply to my multiple attempts to contact them via email and phone. A representative told me that if you XXXX someone, it is like giving them cash, and I won't be able to get a refund. I gave up after hearing that.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
SchoolsFirst is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
|
| 09/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was purchasing a product from someone and they scammed/ frauded me out of {$2500.00} I messaged them many time to get my money back and I had no luck.
I called my bank to get the money back they said they could not get it back.
The transaction happened on XX/XX/2022 The persons name was XXXX XXXX and I used XXXX with Schoolsfirst.
|
| 12/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/22 I recovered my vehicle from XXXXXXXX XXXX XXXX Paid ( {$2800.00} ) to get out the lot. Even after the fees I paid {$370.00} was charged for an uncut key, XXXX $ for mileage fees when there is a XXXX in XXXX, was added to my loan when I asked them to add it to my unpaid car payment for that month
|
| 03/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A fraudulent account from Schools First Credit Union is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Schools First Credit Union has been holding onto ~ {$50000.00} of my checking account for now 4 months.
I have no clue when they will release the funds, much of which were previously cleared and available in my account.
Time to release the funds into the available balance of my checking account.
|
| 02/18/2021 |
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 |
|
|
I had a duplicate payment for my credit card deducted from my checking account. The duplicate payment was unauthorized. I called my credit union to enter a complaint about this error and they told me to work with my credit card issuer and would not help me with recovering the duplicate payment.
|
| 12/12/2022 |
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 am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My bank XXXX my car and while it XXXX the comps they hired damaged my vehicle and put almost XXXX miles on it. I paid XXXX to get my car back from bank after not being notified I was getting XXXX. They still have balance I owe yet I havent been able to use the vehicle they damaged.
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Schools first federal credit union is stating that I owe XXXX. I had a individual that was suppose to deposit money into my account. When I tried to transfer the funds it did not allow me. I was not able to withdraw that amount therefore I do not see how I owe the balsnce.
|
| 12/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.
|
| 03/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Schools first is not reporting correct information on my credit report.
-monthly payment amount -comments are incorrect on credit report -last active date -date of last payment is incomplete -two year payment history is incomplete -date last active is incorrect in
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit reports indicate that there was a late payment error from SchoolsFirst Federal Credit Union. I never been late on any of my statements with them. This late payment error is unfairly bringing down my fico score and I need this corrected right away.
|
| 08/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
|
| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
SchoolFirst Federal Credit Union in XXXX CA,XXXX allowed my ex-wife to remove my name from the account without my consent. This happened in XX/XX/2020. I was not able to withdraw any money from my account and was in financial difficulty for some time.
|
| 09/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I got approved for a personal loan and they paid these other to l had and did not give me any money but paid it off they considered the two amounts on personal loan with each other the personal loan was for a companion dog.
|
| 01/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Schools First Federal Credit Union is blocking me from linking my debit card to investment applications like XXXX and XXXX. Their support team told me that they currently do n't support these types of accounts.
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SchoolsFirst FCU has violated XXXX XXXX XXXX by continuing collections after a cease and desist and XXXX XXXX XXXX by failing to report accurate information to credit reporting bureaus.
|
| 10/18/2023 |
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
|
|
Web |
Older American |
|
This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe XXXX
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Had insurance protection on all my loans in case of list of job or XXXX, they never helped me. Would just stress me out. Was on XXXX for a year and no payments where made by bank.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.
|
| 05/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SCHOOLSFIRST is claiming that I was late for my XX/XX/2020 payment, however, I was not. I attempted to pay via money order but it was rejected by the teller
|
| 09/10/2022 |
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
|
|
Web |
|
|
Reposed my XXXX XXXX XXXXXXXX XXXX They also didnt transfer tittle to my name XXXX XXXX and the time of the purchase. XXXX # XXXX plate # XXXX
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 01/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I want this fixed and for this to be removed from my credit report for good will and try to help me with this
|
| 05/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.
|
| 01/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
XX/XX/2018 Schools First blocks access by external app to make electronic payments on my behalf.
|
| 01/05/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
Information that is being reported is not mines. This account was not verified.
|
| 11/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Blocking enabling external applications to access my bank and help manage it
|
| 02/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this is not my account.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This information is incorrect and does not belong to me.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
All the stuff on my credit is not me
|
| 01/22/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/18/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Referral |
|
|
|
| 01/03/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 10/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Referral |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Paying off the loan
|
|
Referral |
|
|
|
| 09/10/2023 |
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
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 07/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/14/2023 |
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 |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 04/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/31/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Phone |
|
|
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 09/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Referral |
|
|
|
| 08/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 08/11/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 06/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 04/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 08/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
Older American |
|
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 01/17/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/12/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/10/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 11/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Postal mail |
|
|
|
| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
|
| 10/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 09/20/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 07/31/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 07/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 07/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 06/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
|
|
|
| 06/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 03/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 03/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
|
| 08/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/02/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 08/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Referral |
|
|
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Referral |
|
|
|
| 07/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/08/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/08/2018 |
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
|
|
Referral |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 09/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 08/31/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/15/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/02/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 01/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 12/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 11/15/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 09/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 08/04/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 07/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 07/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Web |
|
|
|
| 06/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
Servicemember |
|
|
| 03/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 02/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/23/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|