| 01/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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RECORD OF CONVERSATION WITH STATE FARM BANK AND XXXX XXXX *All conversations were recorded by SFB or XXXX XXXX XX/XX/XXXX Received a letter in the mail from State Farm Bank ( SFB ) dated XX/XX/XXXX stating, Pursuant to the terms of your contract your entire payoff balance is now due and payable in full. The letter was regarding an auto loan on a XXXX XXXX XXXX that I co-signed on in XX/XX/XXXX. ( # XXXX ). This is the first communication of any type that I have received from SFB indicating that the loan I co-signed on was past due or delinquent in any way.
XX/XX/XXXX XXXX XXXX CST I phoned State Farm Bank. I spoke to XXXX who informed me that he could not give me any details as the account in question was no longer with SFB. He state the account was referred to XXXX XXXX and instructed me to call them. He gave me a number of XXXX where they could be reached.
XX/XX/XXXX I phoned XXXX XXXX. I spoke to XXXX XXXX who asked me to confirm my address and last four digits of my SSN. He stated the call was recorded and he stated that this was an attempt to collect a debt. XXXX told me the balance owed to SFB was {$18000.00} and needed to be paid. I explained that the letter I received on XX/XX/XXXX was the first that I was aware that the loan I co-signed on was delinquent. He apologized and stated he had no record of the events leading up to the point that the account was referred to XXXX XXXX. I explained that as a co-signer I realized I was responsible for payment of the note if the primary borrower failed to pay, but I felt some type of communication with me, the co-borrower, should have been normal and respectful protocol on behalf of SFB and that I needed some answers regarding the loan. I told XXXX I needed 2-3 days to work through the details and potential financing and that I would call back no later than Monday, XX/XX/XXXX with my intentions. I asked him if he would be making notes of our conversation on the account to avoid further action and he said yes.
XX/XX/XXXX XXXX XXXX CST I phoned SFB again. I spoke to a representative ( failed to write her name down ) who informed me that the call was recorded and she proceeded to tell me that she could not provide me with any information because the account was no longer being handled by SFB. I insisted on speaking with a supervisor. She transferred me to XXXX with the Recovery Department at SFB. XXXX stated the call was being recorded. She said that that account I was listed as co-borrower on was 283 days past due! I asked why SFB did not inform me that the account was delinquent way before it was 283 days past due. XXXX stated that their records indicated they called me. I confirmed my cell phone number with her, and she said yes, that was the number they had on file for me. I asked for the dates as to when SFB supposedly called me. She couldnt provide me with dates of the calls but stated that their caller ID is an 877 number and that their calls purposely appear as robo calls which often causes customers to not answer their calls. I asked for dates when SFB may have left a voice mail message for me and she stated that there were no notes indicating that SFB had left me any voice mail messages. I asked XXXX how SFB expected me, the co-borrower, to know that a loan I co-signed on had become delinquent and she stated that SFB communicates only with the primary note holder. I asked when State Farm Bank sent me a letter to notify me that the loan was delinquent, and she stated that the notes did not reflect that SFB had sent any letter prior to the one just sent to me on XX/XX/XXXX. I told her that I have never received a phone call or voice mail message from SFB and that I felt as a so called State Farm Bank valued customer that I should have been granted the same respect of being notified that the loan had become delinquent that they claim they give to the primary loan customer. I stated that I would have taken care of any delinquency had I known about it, and that if they checked my credit they would see that I have an excellent credit record. I requested a copy of the transaction history on the loan and XXXX stated that she could not provide that to me as the account had been referred to XXXX XXXX. I became frustrated and told her the next phone call SFB received would be from my attorney. I stated that I felt that SFB had selectively avoided contact with me by purposely appearing as a robo caller to their customers and was purposely avoiding timely communication with their customers simply because the customer was a co-borrower and not a primary borrower. I stated that I feel SFB customers are selectively treated differently based on who signed a contract first, yet the financial obligation is exactly the same. I asked XXXX for the name of the CEO of State Farm Bank. The second SFB representative that was also on the line at the same time gave me his name, XXXX XXXX. I told her I had intentions of contacting him.
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX which is my personal financial institution. I met with loan officer, XXXX XXXX. Together we called SFB. We spoke to XXXX who provided us with a ten day pay off balance of {$18000.00}. XXXX asked what the daily interest rate was, and he stated it was XXXX interest daily. XXXX said that sounded odd as there is always a daily interest rate and XXXX agreed it was odd to him too but said that was what SFBs system said. XXXX asked if the car was in repossession and XXXX stated he could not answer that and volunteered to transfer the call to XXXX XXXX. The call was transferred to XXXX XXXX and XXXX XXXX answered. He stated the call was recorded, asked me to verify my address and last four of my SSN and then stated the call was an attempt to collect a debt. XXXX requested the itemized charges on the account so that she could justify loaning me the money. XXXX said that he could not email them to her, but that he would request that SFB mail them to me. XXXX asked again about the status of repossession and XXXX stated that it was currently in repossession status, but he would cease all repossession efforts considering our commitment to refinance and pay the loan once the itemized statement was received. XXXX requested that XXXX send him a consent form signed by me that gave him permission to speak with her in my absence. I signed it and she emailed it to him.
XX/XX/XXXX Received loan transaction history from SFB in the mail. I called XXXX XXXX and spoke to XXXX XXXX. He stated the call was recorded and asked me to confirm my add and last four of my SSN. He confirmed the loan balance of {$17000.00} and interest of {$1100.00}. I explained that I was going to the Credit Union after the holiday ( XXXX XXXX XXXX ) and that I would be paying the balance. I asked if there was any opportunity to settle the interest charges since SFB failed to provide me with any form of proper and timely communication or notification that the loan had become delinquent. He said that was possible, but that I would be sent a 1099c if the interest was adjusted off. He also stated that the credit reporting status would reflect a settlement charge off rather than a paid in full charge off if we agreed to a settlement. I asked him to confirm that repossession efforts were still on hold as I was concerned that the car might be repossessed and sold for pennies while I was trying to rectify the situation. He said he could not confirm that and that he did not know why XXXX XXXX would tell me that the repossession efforts were ceased because they do not do that. I told him that perhaps he should go back and listen to the recorded call where I spoke with XXXX XXXX and that is exactly what he told me. I also told XXXX that I was represented by an attorney on this case. He asked for my attorneys name, attorney firm name, and telephone number. I gave it to him ( Attorney XXXX XXXX with XXXX XXXX XXXX, XXXX ).
XX/XX/XXXX XXXX with XXXX at the XXXX XXXX and together we called XXXX XXXX. We asked for XXXX XXXX, but XXXX XXXX was who answered the phone. XXXX stated the call recoding policy and that this was an attempt to collect a debt. XXXX confirmed the balance owed was {$18000.00}. He once again stated that I was a valued customer of XXXX. I asked XXXX to confirm how the account would be credit reported once I paid it in full because my XXXX XXXX had dropped from XXXX to XXXX due to this issue. XXXX stated that XXXX XXXX did not report to the credit bureaus and that I needed to talk with SFB. We told XXXX we would call him back then as soon as we could confirm the credit reporting status with SFB. We asked him to give us 30 minutes. He agreed.
XX/XX/XXXX Called SFB and spoke with XXXX. XXXX confirmed that the account was currently being reported as a charge off with a balance. XXXX stated that after the balance is paid in full it will take anywhere from 30-60 days for the credit reporting status to be updated to the status of charge off with XXXX balance. I informed XXXX that I was disputing the debt and the credit reporting status as a result of SFB failing to timely notify me of delinquency which is my right as a consumer and a co-borrower at SFB. He stated that he would mail me a SFB direct dispute form and verified my address.
XX/XX/XXXX XXXX and I called XXXX XXXX again. We spoke with XXXX XXXX and provided him with my personal bank routing number and bank account number. XXXX XXXX confirmed that the payment in full amount due was {$18000.00}. I was required to push a button on the phone on two separate occasions to give consent for the payment to be auto withdrawn from my bank account. The payment was processed. XXXX XXXX with XXXX XXXX told me one last time that I was a valued customer of SFB and then he provided me with a payment reference number of XXXX.
XXXX I called SFB to inquire about the direct dispute form that I had not received and to confirm that my account was reflecting as paid in full. I spoke with XXXX. He could not see my account in his system. I explained how it had been referred to XXXX XXXX and that I paid it in full to them last week. He transferred me to XXXX with SFB. I requested a copy of an itemized bill that added up to the {$18000.00} for my records and she stated she could not provide that to me because my account was with XXXX XXXX. I explained the history to her including the fact that I paid the balance of {$18000.00} to XXXX XXXX on XX/XX/XXXX. She stated there was no record of my payment in their system. I asked her to call them, but she said she could not do that either. I tried to 3-way call XXXX XXXX after putting Brie on hold but was put on hold for quite some time at XXXX XXXX. I disconnected the 3-way call attempt and reconnected with Brie. She confirmed the last payment made to the account was XX/XX/XXXX, but later came back on the call to say that the payment was reversed. Brie stated that the balance due on the account was {$180000.00} and that if I paid {$18000.00} the account would not be satisfied in full. I explained my frustration with the lack of communication between SFB and their vendor XXXX XXXX. I gave up at this point. I had spent days/weeks trying to resolve the matter only to be told that the balance I paid to SFBs collection company was not the correct amount and that I still SFB money. I felt as if I had been taken advantage of through this entire process of me trying to take care of the delinquency and was getting nowhere with SFB. A financial institution, such as SFB, has an obligation to the consumer to communicate an accurate balance due. They also have an obligation to know the protocol and practices of their contracted collection vendor, and to provide the vendor with the proper amount due on an account.
XX/XX/XXXX I called XXXX XXXX and spoke with XXXX XXXX. I shared the past details with her and she confirmed that the account was referred to XXXX XXXX on XX/XX/XXXX and their system indicated everything was paid in full and resolved on their end. I explained that SFB said differently and asked her to call them. She said she would, but that my permission for XXXX XXXX to speak with SFB was only good for 24 hours. What? They are a collection vendor contracted by SFB. Why do they need my permission to speak about my account detail with their client? I told her I was so frustrated at this point that I was going to refer this to my attorney. She said she would do her best to get someone to call me back by Monday, XX/XX/XXXX. I ended the call.
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| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Hello, despite how humorous my writing in for a third time today may seem to those reading, I can assure you that this is not humorous to me. I am writing this time because State Farm reassigned a claims case that I filed last week to a special unit, and I was also forced into making a verbal statement the other day after the claims adjuster ( who sounded super XXXX ) said he didn't have my written statement ( which was a lie - he had this statement ). In a panic, I actually ended up sending him an old statement ( one that I was editing before I finished, saved, and emailed the final version to my agent ) in a panic because he put me on the spot. Sending him the wrong document ( and then realizing it shortly thereafter ) triggered a XXXX XXXX for me, because I felt unprepared and was not sure exactly what I had not yet organized in the statement I accidentally send ; and, due to my XXXX ( and how uncomfortable I felt with this gentleman ), I was not sure how to communicate the fact that I accidentally sent the wrong statement to him than the final one I sent to my insurance adjuster ( I did say this at some point ; however, he was too XXXX to notice ). All this unexpected pressure, being put on the spot with unfair questions, accidentally sending him a statement ( under duress, again - after he put me on the spot ) that I hadn't edited, etc. triggered a XXXX XXXX for the rest of the conversation, during which I was clearly uncomfortable.
And this guy did everything he could ( between the just XXXX tons of XXXX that he was smoking/his being XXXX as XXXX, which made me incredibly uncomfortable to have an intoxicated individual handling my $ 10,000+ insurance claim, and his dismissiveness/undermining what I said ). This statement to this gentleman was not consensual. It was made under duress ; and, was only necessitated due to this agent 's lack of professionalism and intoxicated state, which caused him to inaccurately review the documentation that I sent to my agent ( and that he had ) as well as ask inappropriate questions. I would encourage State Farm to drug test this employee immediately ( for which he WILL test positive - I will bet my reputation ) before he has the chance to XXXX up anyone else 's claims..
And, again, this same guy, the guy who was XXXX, said he had the photographs that I forwarded to my agent, but he said he did not have the statement I wrote ( which is a very detailed statement - I spent a lot of time editing it and making sure it is accurate/readable ). This was a lie - he had my statement, as the same email that I forwarded to my agent ( with the photographs he was viewing ) was forwarded to him by my agent earlier that morning, an email that contained the statement. The email in question contained 10 attachments : 9 photos and a PDF document with my written statement. And this guy was too XXXX XXXX to notice that my REAL statement was attached to the email that my agent forwarded to him ( in PDF format ). That put me in an uncomfortable position in which I felt forced to come up with details on the spot without having prepared for such an encounter beforehand ( because of my false expectation that State Farm would actually do their jobs and review the statement that I spent hours writing BEFORE wasting hours of my precious time interviewing me for no XXXX reason when I have trouble expressing myself verbally due to XXXX ).
As I just stated, I have XXXX. Part of that means that I have trouble " reading '' people ( so to say ) ; however, autistic or not, a person doesn't need to be neurotypical to tell that the way the guy on the phone was treating me was unfair. He took my XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and treated me like I was a criminal ( grilling me with unnecessary questions, putting me into uncomfortable scenarios that require me to answer questions for which I don't currently have all necessary information available, asking me very specific and unnecessary details, etc ). I have had this experience before, especially with this quick to judge.
People assume that my lack of loquaciousness is dishonesty rather than the fact that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( literally ). I could tell by the way this guy was speaking to me that he had already judged me, because he kept undermining the amount of damage that my items sustained.
In addition, for certain items that were clearly a complete loss, he kept requesting that I get quotes for the cost to restore these objects ( although I already did the research, and I let him know that I was certain that some items would cost more to restore than to replace - anyone with eyes can see this ). And I have no problem getting those estimates ( now I do - I'm not doing XXXX after you just wasted so much of my XXXX time ) ; and, before I knew my case was reassigned, I had contacted 4 different antiques restoration services to ask for quotes. I even have a charge on my XXXX card for {$5.00} for a website called XXXX ( see attached ) to try and get an art expert to appraise the cost of repairing the damage to my Basquiat ( even though it's very XXXX obvious that it is going to cost a lot more to restore this piece than to replace it - art restoration experts charge $ 150-200 per hour, if not more - you do the math ). This employee who interviewed me was absolutely being partial/unfairly judging me and ( frankly ) sounded like he was XXXX up on a lot of XXXX. That combination, unfairly judging people/jumping to conclusions and a highly intoxicated state, with the power to refer my case to a special investigative unit, is a dangerous combination.
This individual should not only be fired, he should be put into jail for being intoxicated on the job and that affecting his judgement in a way that has caused me hardship and undue stress.
For instance ( to give an example of how this individual was undermining me ), I had a set of antique XXXX nesting tables worth {$6000.00} in PERFECT condition that are clearly ruined ( very obvious from the pics I sent ), and this guy kept undermining me when I insisted he look at the pictures to see how the water seeped into the wood and was causing rot ( indicative of the need to fully replace rather than resurface ). And he just kept undermining that, saying oh well it looks like you could resurface them, etc, so on and so forth. Like, dude, you work for me. I am not trying to have a debate. Just shut the XXXX up and do your job. I am done dealing with companies that act like they don't trust me. I was more than fair in my assessment of the damage. It's not my fault that your XXXX-up, pathetic excuse for an employee was too high to XXXX listen to my words.
I asked the last rep I spoke with to cancel my policy, and he has put that in a message to my agent, XXXX XXXX, who I will include on this complaint and I expect to cancel my policy ( as requested ), effective immediately, as well as to refund me the payments I have made since they enacted the policy. And then I request that they either cancel or settle my claim.
I am done giving you my business, though. I repeat : you will never get my business again ( for turning what was supposed to be a time of healing and recovery for me into a literal XXXX nightmare ). Again, though, my friends will hear about this experience one way or another. And I can either tell them that I am no longer doing business with you all because you discriminated against me, that your intoxicated pothead employee falsely referred my case to a VERY serious unit ( from what I understand - I do not take this referral lightly and neither do my attorneys ), and have caused me much pain and suffering. OR : I can tell my friends and family that I cancelled my policy because I had a miscommunication with you all that I just couldn't look past ( given the re-traumatization and how you have turned a time of healing into one of pain ), you all did right by me and paid out my claim ( in full ), and we went our separate ways due to a difference in opinion.
Believe me when I tell you that my business, my family 's business, and my friends ' business is far more valuable ; and, just know : nobody in my circle gives away anything for free. And if I don't get reimbursed for these items, if my policy does not cover what it said it will cover, it will cost your entire business a lot of money, in the long run. Either way I am leaving your company and will never return. The story that I tell ( which will be the truth either way ) is contingent on how you choose to respond and move forward from here.
I wish you all the best as a company ; and, if I don't hear back from you all soon with a decision on my claim, I will assume that you all are not going to make good on the policy that I have paid good money for ; and, I will tell my entire circle about this experience and allow them to make their own decisions as to whether them, their companies, and/or their associates want to do business with a corporation that ab uses individuals with XXXX and refuses to pay out on policies. I won't tell them what to do one way or the other, because I respect them enough to make their own decisions ; however, if it were me, I know where my business would go, and it would be to anyone other than State Farm.
I don't play games ; and, after the ordeal I have had with XXXX, I don't take any type of referral to an investigative unit lightly. If your corporation thinks it is cute to play games with your customers when it comes time to fulfill your end of the contract, know that it is not, and I am not going to take part in this nonsense. I can ( and am ) opening a policy with another company that will be fair to me. Best of luck to you all - I hope you take pride in know that you have caused an individual, who is already struggling with a XXXX and dealing mistreatment from multiple companies, a great deal of distress over what was a very cut-and-dry matter.
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| 01/23/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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I have sent SF bank via email XX/XX/XXXX CD, with SF evidencing SF knows how to comply, how to provide proper Disclosure PRIOR to taking my {$100000.00}, and then harassing me with phone calls asking me is it one year or two year CD? Several calls SF XXXX said the Receipt we sent you is all you are going to get from us. Receipt contents are shown below. I can not tolerate any more XXXX harassing calls, refusals of Supervisor to contact me, and SF refusing over and over and over to comply with banking regulations OR GIVE ME ALL MY money back. XXXX XXXX promised to accomplish this, and I went to a real bank and got all the proper XXXX & FDIC, and XXXX Disclosures and Compliance documents in advance. SF now refuses to return my money unless I agree to {$1000.00} being withheld. But they took my XXXX and never issued a Certificate ( only Receipt ), and they have never asked me about giving me interest as I elect. I sent them XX/XX/XXXX CD, but SF has obviously fallen apart since Mr. XXXX CEO retired. I sent Certified Mail 7 days ago, and SF still insists they will keep my money, not abide by federal laws, and I can only retrieve this necessary support money by paying them {$1000.00} penalty when it is SF who violated the laws no me, a person living on Social Security.
Attached is a copy of a XX/XX/XXXX SF Certificate of Deposit, which conforms to rules governing variable options, Disclosures, and signature acknowledging Disclosures prior to issuance.
Note well " 1. General Terms. Words or phrases preceded by a [ ] is applicable only if the [ ] is marked. Phrases containing a blank space which is not filled in or completed with N/A are not applicable. '' SF advised me to switch my MM {$97000.00} to a CD by making appointment and doing it with my agent XXXX XXXX. I did this. I walked out one hour and 45 minutes later with only ONE sheet of paper given to me. It is a receipt acknowledging SF received & acknowledged receipt of my check for {$3300.00} XX/XX/XXXX XXXX PST.
NOTHING, no other paper was handed to me -- no Disclosure, no copy of Interest Rate Disclosures prior to Receipt of {$100000.00}. Never has SF asked me to elect how my Interest payments were to be handled.
Never has SF obtained my signature on any paper, form, or Disclosure -- because there was none. It was chaotic, and unprofessional, and not Compliant with Federal Regs.
My SF XX/XX/XXXX CD does INCLUDE other notations which are signified with [ ].
On the BACK of Certificate are Items 8 - 12.
9. " Early withdrawal Penalties. If SF Bank allows a withdrawal, either partial or total, each time it allows such a withdrawal, Depositor may be assessed an early withdrawal penalty as set forth above. '' My CD was never properly opened when SF acknowledged Receipt of my {$100000.00} funds XX/XX/XXXX, which was important to me to have CD opened in XX/XX/XXXX. XX/XX/XXXX, and other dates XX/XX/XXXX, XXXX, SF Recovery called to ask me if I wanted a One Year or Two Year account. This proves there was NO meeting of minds, no SF Disclosure, no signing by me that I received a Disclosure, and that I was opening a CD with a 2.6 % annual percentage rate.
It was XX/XX/XXXX, 17 days later, that I received a Receipt for Certificate of Time Deposit. Never has SF given me the variable terms, Notice of applicable Interest Rate, Term of CD. All I received was XX/XX/XXXX Receipt stating only these words : Initial Maturity Date XX/XX/XXXX. Issued Date XX/XX/XXXX. Term 12 months. Amount of Certificate {$100000.00}. Annual Interest Rate 1.98 %. APR 2.00 %. For terms & conditions, please reference your Disclosures & Customer Agreements brochure, and copy of your Signature Card.
What Card? I have absolutely NO COPY of such a CARD!
I never received Disclosure of variable terms ( not in your brochure ).
How could I possibly AGREE and contract to SF conditions which I had never seen since the XX/XX/XXXX Certificate of Deposit? SF never verified whether it was fixed or variable-rate, and how Interest was to be treated. SF never even showed me the far-lower interest rate, which is ruinous, because I only opened CD with SF because I had calculated the Interest Payments which I would receive.
This is NOT a State Farm PRODUCT as XXXX non-expert staff stated. This is a Regulated Banking Transaction and SF has violated them.
2. SF never informed me of any of this printed Policy, nor Change of Policy Notice on XX/XX/XXXX, nor any day thereafter. Claims that I signed a Disclosure Paper are false.
I signed nothing. I entered Electronic Signature SOLELY to SHOW appearance of my Signature. I was not told I was doing anything other than a establishing what my signature looked like.
I want this resolved because SF bank can not take {$100000.00} and pretend it is their product. It is my needed money. XXXX XXXX told me she'd have the entire {$100000.00} plus Interest accrued at 2.6 %, and costs ( incoming wire transaction fee {$25.00} ), wired to my checking account today. This is the appropriate resolution legally, because SF issued a Receipt proving SF received all Funds XX/XX/XXXX, and the accepted Rate was 2.6 %. Why would I accept 1.98 % when I can get 2.6 % in a real bank from real bankers in my town? I may take further actions as well for the abusive and non-legally acceptable treatment I received during harassing phone calls from XXXX, who I learned weeks later is XXXX XXXX in SF Recovery department. This is serious senior abuse.
I sent SF information for their lawyers. This will be the first time SF has involved ( on their side ) a trained professional such as lawyer, banker, Compliance officer. They treat me like a homeless person in the check-out line of a big box discount store.
https : //www.fdic.gov/regulations/laws/rules/6500-4100.html ( u ) Time account 2.Relation to Regulation D.Regulation D of the Board of Governors of the Federal Reserve System ( 12 CFR part 204 ) permits in limited circumstances the withdrawal of funds without penalty during the first six days after a " time deposit '' is opened. ( See 12 CFR 204.2 ( c ) ( 1 ) ( i ). ) But the fact that a consumer makes a withdrawal as permitted by Regulation D does not disqualify the account from being a time account for purposes of this part.
( v ) Variable-rate account.
1.General.A certificate of deposit permitting one or more rate adjustments prior to maturity at the consumer 's option is a variable-rate account.
Section 1030.3 -- General Disclosure Requirements ( a ) Form.
1.Design requirements.Disclosures must be presented in a format that allows consumers to readily understand the terms of their account. Institutions are not required to use a particular type size or typeface, nor are institutions required to state any term more conspicuously than any other term. Disclosures may be made : i.In any order.
ii.In combination with other disclosures or account terms.
iii.In combination with disclosures for other types of accounts, as long as it is clear to consumers which disclosures apply to their account.
iv.On more than one page and on the front and reverse sides.
v.By using inserts to a document or filling in blanks.
vi.On more than one document, as long as the documents are provided at the same time.
2.Consistent terminology.Institutions must use consistent terminology to describe terms or features required to be disclosed. For example, if an institution describes a monthly fee ( regardless of account activity ) as a " monthly service fee '' in account-opening disclosures, the periodic statement and change-in-term notices must use the same terminology so that consumers can readily identify the fee.
end of quote Yes, I agree to publishing this Complaint because " online bankers '' think they are NOT SUBJECT to federal banking laws .... and common decency, and federal deceptive practice laws. They could determine my age from my long affiliation with SF insurance products.
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| 08/30/2017 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The letter from State Farm Bank alludes that I gave them incorrect information, which in fact is wrong. I explained to XXXX XXXX from State Farm Bank on several occasions the situation that was based on my complaint against State Farm Bank.
I indeed for a fact called State Farm bank on several occasions concerning the XXXX XXXX for which I had financed with them. I even had an agent call on my behalf and ask the same questions and was under the same impression that I was under when talking with State Farm Bank. I explained to the customer service representatives on several occasions what was going on and the situation that I was in. I was assured by the Customer Service Representatives that the loan would be wrapped with another loan due to the remaining would be an unsecured loan. So I was assured that if I bought a new car that the remaining negative equity would be wrapped with a new car loan. The jeep was filed under the lemon law and once it went under the lemon law the dealer would not touch it to even look at it to fix it. I did filed that complaint against XXXX in XXXX with the AR Attorney Generals office and State Farm Bank does have the documentation on the Jeep that was filed under the lemon law. XXXX would not buy the XXXX back unless the negative equity was paid in full, which is what started all the conversations with State Farm Bank as I was trying to resolve the issue with the XXXX. State Farm Bank has the documentation showing that they could have received {$25000.00} from XXXX for the XXXX if they had followed through with what they had stated they would do. When State Farm Bank did not follow through with what they said they would do that left me with two car loans instead of one, I am a single mother and could not afford both payments. I could not trade the XXXX due to the fact that it was under the lemon law and the dealer would not accept it as a trade, BUT I bought a new vehicle on the information that I had from State Farm Bank stating that they would wrap the XXXXwo loans into one. Since they did not do that they left me no choice but to call and have them come get the XXXX that I would not drive because it was unsafe to drive and had been sitting parked for over a month since the dealer would not even look at it.
As for the Second loan as I explained to XXXX XXXX on the phone again, that I called my State Farm Agent on a Monday morning I believe it was maybe XXXX XXXX, XXXX I bought the XXXX on a Saturday the end of XXXX XXXX. I talked with XXXX at my Agents office and explained the situation to her and what information I had. XXXX called me back and stated that they bank would not do what I was previously told and would only allow {$900.00} over the XXXX. So I did not fill out the paperwork for a loan because I did not want that on my credit after just purchasing the other vehicle if State Farm Bank was not going to do what I had been previously told. After I was told that I did not have a choice but to call the bank and tell them to get the XXXX that was under the lemon law. ( On my credit report it shows that it was an involuntary repossession, which is in fact incorrect. I called them and told them to come get it since they told me incorrect information and left me in a bind. ) With all this being said State Farm Bank if they had followed through with what they had told me originally in all of those phone calls to them they would have received a guaranteed payment of {$25000.00}, instead they did not follow through and sold the XXXX that was a lemon at an Auction and received around {$15000.00}. So they knowingly sold a XXXX that was deemed a lemon under the AR Lemon Law and knew XXXX had acknowledged and was going to buy it back.
My complaint about State Farm Bank is the fact that they told me incorrect information over and over by their customer service representatives and I bought a vehicle on the information that I had and in turn that left me in a bind. I would not have bought another car if knowingly that State Farm Bank was not going to do what they said that they were going to do.
XXXX XXXX stated in our phone conversation on XXXX/XXXX/XXXX that he did not understand the situation and my complaint. He did not understand how this has ruined my credit, but yet this is a man that works for a lending company. He also called my phone on XXXX/XXXX/XXXX and left a voice mail thinking it was the Better Business Bureau and requested an extension. So he not only called me in error but left a voicemail thinking it was the Better Business Bureau when in fact he called my phone and should have realized that it was a voicemail. ( I still have the voicemail and I have a witness to Fridays phone call. ) This shows incompetence on their behalf which has been seen again and again but the fact that they are to narrate the phone conversations that have taken place and when going back and have been read to me not all the information was in there, calls are recorded are they not? That is what is stated when you call, can they not listen to the calls? I do not know how to explain this situation any plainer or simpler for the company to understand what they have done that is wrong and that their incompetence and mistakes is causing me great grief in my life. I did all that because of the information that was told to me prior to buying a vehicle in XXXX and then in turn did not say what they were going to do and thus causing the repossession. The repossession was due to their error because I was told that they would work with me. I also talked to a lender on XXXX/XXXX/XXXX and I was told that State Farm Bank had put a lien on a home that a woman was selling and the lien was due to her ex-husband and his name was not anywhere on the house. That yet again shows incompetence by this lending company.
Again I do not know how to make it any simpler or plainer of the situation that is at hand. I am not making any of this up this is all the complete facts, why would I make this up. I would not put myself through all this grief and stress if it was not. I would not be this upset if I was not being honest. I do not appreciate that the lending company alluding that this information is not correct because it is, I would most definitely not put myself through all this if it was not.
I want this loan removed off of my credit and the matter resolved immediately, this was their error and I am continually having to pay for their mistakes. I also do not want XXXX XXXX XXXX looking into this complaint any longer, due to his incompetence, if he does not understand why I would be upset at the fact that this incorrect information has put my life at a standstill then he does not need to be in the business that he is in. I was very upset after the phone conversation on Friday due to the fact of the questions that he asked.
Thank you for your attention in this matter.
|
| 06/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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This complaint is in regard to State Farm Bank. I had a financial arrangement to pay a remaining balance of {$710.00} by XXXX on XX/XX/XXXX for a vehicle that had a repossession hold as of XX/XX/XXXX with first half of the payment {$800.00}. They informed me I could go and make a payment with XXXX XXXX XXXX XXXX and send it to : Code City SFB, Code State IL, Company Name/Attn to State Farm Bank, speed of service URGENT and use my loan # as the customer acct # and then call back after 5 minutes with the tracking number and that would make my car loan completely current. I held up my end of the agreement and paid that amount on the evening of XX/XX/XXXX and was able to call State Farm Bank on the morning of XX/XX/XXXX and confirm that via tracking number and that I would be able to pay online at state farm again for our XXXX payment since I was completely up to date now. On Saturday, XX/XX/XXXX, I logged in to make our XXXX payment which was due that day and it said I could not. I called in and they explained that it was still with the repossession department and I would have to called them Monday morning as they were closed. Monday, XX/XX/XXXX I called @ XXXX and spoke to someone who confirmed everything had cleared but that it was still in their system and he would have it removed and I would be able to pay online in a day or two. He told me not to worry since I was now only a few days late on our XXXX payment, I asked him to please make a note I had been trying to pay my payment since it 's due date, he said he would. On Wednesday,XX/XX/XXXX, my car was disabled and repossessed from my property/home sometime between the hours of XXXX and XXXX. I called again and asked if they had wrongfully taken my car or should I call police and report it stolen, I was placed on hold and not given a direct answer for 18 minutes. When they returned from hold initially they said they were sorry, it was " picked up in error '' by Vendor : XXXX XXXX XXXX. They contacted XXXX and they would agree to return it but they were unable to provide a return time or if it would even be the same day. I asked for a supervisor because I have XXXX small children and all XXXX car seats were in that car, my youngest 's car seat was the only 1 we have for her. I was again placed on hold, the same person returned and said that a supervisor could not be found, they were either in a meeting or not at their desk and that the direct supervisor was off today but I could be transferred to leave a voicemail for them and they 'd call me back the next day. I refused and said that was not acceptable, XXXX forbid something happened, I had no way to safely transport my children and that I would hold until a supervisor or someone who could help me was available. I was again placed on hold. Forty minutes into my phone call a supervisor who " was new to repossession '' got on the phone and I explained the events, that my car was wrongfully repossessed, my child 's lack of a car seat/safety, that I was due to meet family and friends for my birthday dinner and had no way to get there together and that I have to take my children to daycare early in the morning and go to work. I explained my profession is one where I am the only 'supervisor ' available and that if I was n't able to get their and unlock/open on time I could be fired. At this point he placed me on hold to see " what all of his options are '', 10 minutes later he came back saying he was still on hold/figuring it out. About 55 minutes into the call, supervisor came back and connected us on a 3 way call with another vendor who was willing to bring my car to me that evening. I was pleased with this information and then asked about the repossession being reported on my credit incorrectly, they told me " they could not answer that ''. We finished our call 1 hour and 16 minutes later. The return vendor was extremely nice and accommodating and even returned it where my birthday dinner was since my husband and family were already making 50 minute drive/return passes to take my children and I in batches since we could n't all ride in the car together due to lack of enough car seats. When this vendor ( not the same vendor that removed my car ) arrived they had a piece of paper State Farm Bank had asked them to have me sign. It stated my information, the vehicle information, and that XXXX was to be billed for this " Redemption Release ''. At the bottom it stated " ***I hearby release XXXX XXXX XXXX , its Clients, subsidiaries, affiliates, and subcontractor, ( collectively " XXXX '' ) from any claims, demands, charges or rights of action which I have against XXXX relating to the above listed vehicle. *** '' I explained that I did not want to sign this piece of paper since I was not 10 days past due and according to Code section 18.2-102, any person who take, drives or uses ... vehicle ... without consent of the owner thereof and in the absence of the owner, and with the intent temporarily to deprive the owner thereof of his possession thereof, without intent to steal the same, shall be guilty of a Class 6 felony '' provided it is valued greater than {$200.00}. This information was provided to me by a police officer. The vendor agreed to leave my car with me if I could sign at least that they had returned the vehicle to me, and he even reconnected it so that it was drivable. Due to the way it was disabled, my screen/radio/GPS will not work without a passcode which I have been informed I have to now go to the dealership at some point to have this fixed and most likely charge me for this, unfortunately I have to work during their hours today, tomorrow as well as work Saturday and Sunday. I was extremely humiliated by this entire event. My neighbors most likely saw when it was removed from my property, I had to explain to family why we were late, why we were arriving all separately and why my car was being returned by a " Recovery '' tow truck in front of many other neighbors. I am even more concerned that they could not provide me any answers in regard to my credit report and tried to get me to sign away on this incredibly hurtful mistake they made without even so much as an apology other than an insincere " sorry ''. We have our second vehicle loan with State Farm Bank and I am extremely concerned about this error and the potential for this mistake, they could have wrongfully taken both of our cars.
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| 02/20/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX, I received overnighted documents, which State Farm bank alleges I signed XXXX XXXX, XXXX, 35 days ago. Earlier today I filed a complaint to protest Fraudulent use of an " identification only '' electronic signature being applied to documents created yesterday. I am sure these 2 documents were just created because they do not agree with SF earlier documents sent to me. SF stated CD initiation date was XX/XX/XXXX, 12 days after they had all $ XXXX. If they now claim the CD was properly created, witnessed by me, signed by me XXXX XXXX, XXXX, they are patently being deceptive. They contradict their own written communications. In their response yesterday to CFPB, SF stated " Monetary Relief Amount '' {$1000.00}. But they refused to tell CFPB or me, the amount of money sent via Wire transfer to my bank.
Today I learned SF lied again. My bank proceeds were only {$100000.00} cents. Their was no " Monetary relief amount of {$1000.00} ''.
CD opened ( according to their made-up signed documents ) XXXX XXXX XXXX, which is 54 days they had $ XXXX. That {$320.00} for nearly 2 full months represents interest of .0032 a month. If I were paid the specified 2.65 % interest rate on the CD, for 1.77 months, the accrued interest would exceed {$400.00} for nearly 2 months. I was due {$100000.00} PLUS accrued interest of {$400.00} -- not {$320.00}.
SF claims " MONETARY RELIEF Amount = {$1000.00}, but that is a lie.
They are NOT entitled to charge penalty when the CD was not opened properly. Their actions were in direct violation of Fed. Reserve Bank Reg. D, and Dodd Frank Banking Act. They DID NOT provide Disclosures. They fraudulently claim I was informed they would give nearly 1 % less Interest than was agreed upon in emails with my agent.
Nothing SF has done smacks of Compliance. They require an Audit by State of Illinois Bank Inspectors, CFPB, and US DOJ prosecution.
I was due {$100000.00}, plus {$400.00} accrued interest, plus {$15.00} wire fee, plus compensation for paper, copies, faxes, phone calls, and the agony of having my nest-egg taken out of my control. I know the agreed interest was 2.65 % because that is what would yield me a monthly interest income of almost $ XXXX. I did not sign on for {$320.00} interest for 1.77 months of their having my month, at a lower-than-current-market rate of 1.98 % They expect paying less than half the stated interest rate 2.65 % for almost 2 entire months is acceptable? Someone needs to audit them fast.
This is to me, blatant theft. First by not making Full Mandatory Disclosures in writing. SF is so arrogant, the allegedly signed agreements they sent me are 8.5 '' x 11 '' and the signature they claim I wrote is one-half centimeter by six-tenths centimeter wide -- in other words, they expect CFPB and me to believe I signed a nearly blank paper with a signature smaller one quarter inch high. That is absurd on the face of it.
Require SF to send you copies of the agreements they sent me. If you believe I can sign my flourished signature only1/4 '' tall, let me assure you, I sign BIG on a blank sheet, two & 1/2 to three times larger -- and I always put a numerical date with my signature on formal agreements. The date line is not good enough for me, because some companies lie and fabricate phony documents.
I want the remainder of money due to me, which is in excess of {$500.00} total. I also want all " electronic signatures '' to be erased, and said erasure to be certified under Penalty of Perjury. I do not trust them. They invented documents, agreements, acknowledgments, and put a tiny, tiny purported signature marking on large sheets of subsequently-invented agreements.
Now you know why they sent you a Response XX/XX/XXXX, and my bank a wire transfer XX/XX/XXXX -- and neither the Bureau nor I were informed of the amount transferred. I had to make an appointment and drive to my bank to learn their latest Deceptions. SF claims to have CLOSED and settled Complaint XXXX, but they lied.
FYI, page one of five is missing. This is a made up set of documents, created according to what my Complaint stated. Anyone can reset the dates on an internal fax machine. Have they threatened my SF Insurance Agent to agree these faxes were sent either to or from him? Will a SF XXXX CEO and banking employee, both Perjury-swear their so-called agreements were created and transferred a number of times on XXXX XXXX, XXXX? Do they realize Phone records can disprove their unsigned XXXX XXXX, XXXX exchange of documents?
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| 09/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been out reaching out State Farm dating back before XX/XX/XXXX in regards to my mortgage and statements. As I looked more into things, I noticed that my taxes for due to the XXXX county treasurer has not been paid by State Farm which is apart of my mortgage. I than worked to get on a forbearance plan as I have been out of work due to medical conditions. I was working to sell some items to be able to get caught up on my bills, but until my taxes were paid by state farm, I did not want to pay. My home is up for tax sale for XXXX due to state farm not paying. Beginning on XX/XX/XXXX, I began to contact state farm. In addition, below are the times I have contacted state farm via email as I was told. I was given the incorrect email multiple times over the phone and or wrong phone numbers.
Below is the times I have outreached and State Farm kept saying they are looking into it.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
In addition, I have spent HOURS contacting State Farm on the phone. They never have answers and give a run around. I get transferred to different departments. On XX/XX/XXXX, I spoke to someone in which they said they would transfer me to the mortgage department, but they were closed. Than XX/XX/XXXX I talked with someone on the phone, XXXX ID # XXXX. She saw in notes there was continued issues in which she saw on XX/XX/XXXX she shared the check was sent to the city and amounted to the wrong person. The check was stopped on XX/XX/XXXX. Then on XX/XX/XXXX she shared State Farm wire transferred XXXX. When I asked why that amount, and not the correct amount for XXXX taxes due ( due to fees in them not paying ) XXXX, she was not sure. I also informed her that State Farm owes for XXXX property taxes of XXXX. She said a wire transfer had happened on XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX County Treasurer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have not received any amounts. I asked for a supervisor to speak to me as well. No one was available. She was unable to help me more. I also was transferred to another department in which the agent would not give me her rep ID and had a strong attite. I asked for a supervisor, she said none were available and hung up. I did not hear from a supervisor until XXXX on XX/XX/XXXX in which the line was hard to hear as I had full signal, I asked for a call back. She called back than hung up. On XX/XX/XXXX I than called in again in which I spoke to XXXX rep id # XXXX. As he reviewed the notes, he tried to blame my self and the city for it not being paid. I shared it is apart of their responsibility to be paid. XXXX than transferred me to another department in insurance, they said they could not help and noted I was waiting for a supervisor, I was transferred to that line. I waited 1 hour and 15 minutes on hold and got a voice mail in which I did not finish the voice mail as in ten seconds in I was hung up on. I than contacted State farm again at XXXX and waited on hold, I was hung up on at XXXX without speaking to anyone. I called again at XXXX and same process, I was hung up again on XXXX. I also sent another email to the delinquency department. I have asked them to pay the total due amount of XX/XX/XXXX due to the city for both XXXX and XXXX taxes in which they owe along with the fees. This total is XXXX Please note there is additional fees each month beginning on XX/XX/XXXX for each month there is no payments. State Farm just seems to continue to blow me off and not respond. No one will call me back. My home is up for a tax sale because state farm will not help and avoid me. I have attached the email documents and the tax documents owed. I believe they also may be paying the wrong property tax number. Again, I get no response and no help. I am can try to get caught up and make the payments on my mortgage, but I need State Farm to pay the full balance for my estate taxes.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX, I walked into my State Farm Agent 's office with my wife and set up 2 individual HSA Accounts for the tax year of XX/XX/XXXX, and provided the contributions to both for the XX/XX/XXXX tax year. We did everything exactly the same. My wife 's account was set up correctly, and the funds were applied to the XX/XX/XXXX tax year. For an unknown reason, my account set up was not completed by the agent correctly/timely, and my funds were allocated to XX/XX/XXXX erroneously.
In early XX/XX/XXXX, we went to our State Farm Agent 's office and informed him that only my wife received a tax statement for the HSA for the XX/XX/XXXX tax year. My State Farm Agent reached out to State Farm Bank, confirmed the erroneous XX/XX/XXXX allocation of the intended XX/XX/XXXX funds, and received communication back assuring him the allocation of funds would be corrected to the XX/XX/XXXX tax year. Based on this update, we filed our taxes and reported both HSA account contributions for the XX/XX/XXXX tax year.
Now, in XX/XX/XXXX, we received a notice from the IRS stating that State Farm Bank *only reported one HSA for XX/XX/XXXX* ( my wife 's HSA ), and that we owe back taxes and interest for the XX/XX/XXXX tax year.
We had to contact State Farm Bank directly, as State Farm Bank removed HSA accounts from Agent offices sometime within the XX/XX/XXXX year. We opened a research request with a State Farm Bank Customer Service Representative for the State Farm Bank Tax Research Team in XX/XX/XXXX, did n't hear anything for 3 weeks, called back, and 24 hours later received a call from a State Farm Bank Customer Service Representative stating that the State Farm Bank Tax Research Team denied the requested corrections. I requested to speak directly to the Tax Research Team, and was informed they do not speak to customers.
At this point, we contacted our State Farm Agent, who is technically not allowed to work on the HSA Accounts anymore per State Farm Bank policy, and asked him to contact State Farm Bank directly and inform them of the error as well, speaking only about the actions that he was directly involved in in XX/XX/XXXX and XX/XX/XXXX. Our Agent walked a new random Customer Service Team Representative through my wife 's account, and they stated it was set up correctly with the funds allocated to the XX/XX/XXXX tax year. Then, when our State Farm Agent had him look at my account, that is when the Customer Service Team Representative felt it was pertinent to open a second research request.
Now, two weeks later, this research request has also resulted in a negative outcome from the State Farm Bank Tax Research Team.
Both independent research requests submitted to State Farm Bank Tax Research Team have both been denied by the State Farm Tax Research Team. When the State Farm Bank Customer Service Representative called and informed us of the second denial, they stated, " Everything was completed per our policy. By the way, you have erroneously contributed twice in XX/XX/XXXX. '' Now, we realize that State Farm Bank 's error is affecting us for two tax years.
There are no physical State Farm Bank offices for us to go to.
The State Farm Bank Tax Research Team will not allow us to speak to them directly.
State Farm Bank will not speak to our Agent who handled both of our in-person original account set-ups.
At this point, I feel we have no recourse but to submit our complaint to the CFPB to hopefully have another team within State Farm Bank tagged to review the situation for corrective measures.
In summary, we submitted everything for our XX/XX/XXXX HSA set-up and XX/XX/XXXX tax year allocations to our State Farm Agent in-person, the same way, on the same day. However, State Farm Bank internal processes set up the two accounts differently, mis-allocating my XX/XX/XXXX HSA contribution to the XX/XX/XXXX tax year, creating tax issues for both years, and is continuously denying corrective action.
|
| 10/12/2015 |
Yes |
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Web |
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I was told that my payment was late back in XXXX 2015 XXXX 8 months ago ), and my payments which were almost 50 % over my required monthly payment, was not sufficient to cover the new charges and payments. This snowballed until I finally got a supervisor from their collection department to speak with me in early XXXX 2015. That supervisor told me that she saw there had been many fees charged that should be removed, so she gave me a plan. She told me if I made my account current, and paid the first finance charge of {$35.00}, she would move my due date to the first of the month ( which it was supposed to be XXXX, and we would be fine. I did n't have the money she wanted at that time so I had to end the call. Later that day, I remembered that I had " state farm dollars '' on that account and I could use them to make a payment, so I called State Farm Bank back and asked them to put my " dollars - all of them '' on the acct as a payment. Then later that month, I sent in a payment that would make up the difference to bring my account current and fulfill the deal we had made. In XXXX. I was hounded again by the collection department. I thought it was that they had n't updated their system yet with the agreement and payments, but I was wrong. By the XXXX of the month, still receiving up to XXXX calls a day at work from their collection department ... .every day, I called State Farm Bank back to find out what was wrong. After another lengthy conversation, that agent said that he could read the notes from the supervisor in XXXX, and saw that they had not changed the due date as stated earlier. That caused my account to listed as past due again, and thus started the entire process of snowballing late fees on my account. He said he would remove the late fee, change the due date to the end of the month, and if I made my payment, then it would cover my amount due for the month, and the amount over the payment would just go off of the principle. I thanked him for finally straightening this out for us, hung up the phone, and went online to make another {$60.00} payment for my {$42.00} bill. Then in XXXX, I am being hounded by the collection department again at work, calling me everyday up to 3 times per day. So I call them back again. This time the person looks over my account and says that she sees a late fee that was n't removed, but because a supervisor had done it, it needed to go to a supervisor to get fixed. That call lasted over 3 hours, mostly with me being on hold. Finally someone got on who said to me, what everyone else had stated to me was wrong, and I just needed to pay it. She said it 's not like a payment, because it will be credited to my account, but that since they put the fees on their bill as part of a minimal payment, I just had to pay it. When I brought up what was told me, and how I had paid it to comply, she apologized for wrong info that was given to me, and said I just had to pay more. I asked to speak to a supervisor, and she said she was the top supervisor and no one else there to take it. I told her not everyone but her is wrong and I wanted to speak to a supervisor. I was told a supervisor would call me back within 24 hours. Now, over 7 days later, I am calling the bank again .... on the phone for over an hour, and they are saying fees were n't removed in XXXX like I was told, and now when they credit a fee, they credit it to my balance, but I still have to pay the fee first since they put it on my bill ... ... really??? ... .. I tried to speak to someone else at the bank, they wo n't talk, only forward my call to the same people in collection. I need help. They are telling me now I have to pay {$120.00} more to make my {$42.00} bill current again ... .. even though I have been paying {$60.00} every month, and my principle has been increasing!!!! Please help me.
|
| 02/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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On Monday afternoon, XXXX XXXX, 2016, I telephoned State Farm Bank ( FDIC insured ) to open a traditional IRA account over the phone. ( State Farm Bank advertised its rates CD rates on the internet ). I spoke with a customer service rep who said he was an IRA specialist. I explained that I wanted to transfer funds from an already existing traditional IRA at a different bank, and would also be making a 2016 contribution to the new State Farm Bank IRA account. The service rep said that he would help me open the IRA account. He said that he would be filling out the application form on the phone and would be asking me a series of questions. During the next 30 minutes, I was asked the standard questions ( e.g., name, address, ss #, date of birth, type of IRA, dollar amount I would be contributing, tax withholding status, beneficiary info, whether to mail a check or have the current IRA trustee transfer the funds, etc. ). At the very end of the application process, I was told that the State Farm Bank service rep would be choosing a local State Farm insurance agent whose name would be added to my IRA account as my insurance agent contact. I objected to having a stranger 's name listed as part of my IRA account. I said that I did not want any insurance agent 's name noted on my account, my application, my bank records, or my application form. I asked why he wanted to put a local State Farm insurance agent on my bank records, and he said that it was for marketing and sales purposes to advise me of the State Farm 's products. I told him I already had insurance, had my own insurance agent, did n't want any solicitations from State Farm, and said that I was declining have a local State Farm insurance agent 's name listed as contact for my IRA account. The State Farm Bank service rep stated that he could not complete my IRA application form and State Farm Bank, as a matter of policy, could not open a bank account for me without having their insurance agent 's name indicated on the records of my bank account. I said that there were no federal banking laws that required me to have the name of an insurance agent noted on my IRA account. He replied that without a State Farm insurance agent listed on my IRA account records, I would not be allowed to open a bank account at State Farm Bank. He stated that it was bank policy to require this, and that the requirement to have their local insurance agent listed on my IRA account records complied with all federal laws. I asked him to bring his supervisor into the conversation so that I could " opt out '' of this requirement. I explained that a bank account had the customer 's personal and private identifying information along with confidential financial information. I did not want an insurance agent to have access to this information, and I had a right to privacy. The supervisor reiterated to the service rep that unless I allowed the local State Farm insurance agent 's name to be placed on my account as my contact for the account, State Farm Bank would have to refuse to open the bank account for me.
The service rep promised that he would add the words " no soliciting '' to my record. I told him that this was not acceptable, that I did not want the names of any local insurance agents listed on my bank account records. The State Farm Bank service rep refused to open an IRA account at the bank without my being assigned a local State Farm insurance agent by the bank to be listed on my bank account records. I was told repeatedly that I would not be allowed to open an account at the bank. I did not agree to have a local State Farm insurance agent assigned to my IRA bank account, so I was rejected as a customer - not allowed to open a bank account -- solely for this reason.
Please continue to the desired resolution and remedies section.
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On Saturday XX/XX/18, I noticed that my checking account with State Farm Bank had been drained down to {$1.00} by fraudulent charges to XXXX XXXX in XXXX XXXX XXXX ( I live in Texas ). I immediately notified my bank and they said they cancelled my debit card. The said that I could not dispute the charges until they cleared, or that they might drop off entirely when the next batch ran. I attempted to contact the vendor as soon as I got off the phone with State Farm, but they were closed for the long weekend.
The next morning I got a call from State Farm alerting me to fraudulent charges on my account, and the lady that I spoke with did not have a record of me reporting the fraud the night before. She said she would cancel my debit card, and when I told her that I had already done that she said that the card had not been cancelled.
I was left over a long weekend with only {$1.00} to support myself, my husband and most importantly our XXXX year old son.
I contacted the bank first thing on Tuesday morning because the funds had still not dropped off or cleared the account and they repeated that I could not dispute the charges until they cleared the account. They said there was nothing they could do, but hopefully the charges would either clear or drop off when the batch ran Tuesday evening at XXXX. I stayed up late to check and the charges were still " in process '' after the batch ran that evening. Additionally, I contacted the vendor ( XXXX XXXX ) on Tuesday and was told that the person who I would need to talk to was on vacation, but they would leave an urgent message for him.
I contacted the bank again first thing on Wednesday morning because the charges still showed as " in process ''. I was told again that there was nothing the bank could do to help return our funds. She then told me that the funds were on hold until at least Friday, but could not tell me why that was. They told me that I needed to contact the vendor. When I responded that I had already contacted the vendor and that they should attempt contacting the vendor as the banking institution the chat representative replied that she couldn't help and abruptly disconnected the chat ( which I view as the equivalent of hanging up on a customer phone call ). I did call the vendor again on Wednesday and they researched the charges and XXXX with XXXX XXXX assured me that they had reversed the charges, but the funds would be returned to us when our bank released them.
On Thursday morning the funds still showed as " in process ''.
On Friday morning the funds still show as " in process ''. I contacted State Farm again and was given the same refusal to do anything to help.
The total amount that was fraudulently removed from our account {$1800.00} which is everything we had except the {$1.00} left in the account. The State Farm Bank representative that I initially spoke with said whoever ran the charges kept attempting smaller and smaller transactions to ensure that they had effectively drained as much money as they could out of my account. I would have expected that to be a red flag to alert the bank of fraud.
My husband and I both work multiple jobs to support our family so this is truly a financial disaster. We have had to rely on family to take us grocery shopping so that our XXXX year old son has food to eat and my parents had to pay his daycare tuition. We also had to delay paying our car payment and have postponed paying the premium on my husband 's health insurance because State Farm refuses to help get our money returned to us. This amount of money may be just a drop in the bucket for a large business like State Farm, but to us it was all the money we had.
State Farm has let down my family and has not done their duty to protect the finances of its customers.
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| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have been receiving on going offers from an insurance location XXXX XXXX, Agent @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Business # ( XXXX ) XXXX so today I got another and decide to ask for a quote and spoke to XXXX at XXXX. according to my outbound call time on my phone records. Before I started asking about a quote I made it clear that I do not want my credit hit, XXXX stated no worries we do n't do hard inquiries so it will not harm your credit just for asking for a quote. I never provided my social security number to keep my piece of mind. I provided my basic information name, birthday, he asked for my vin #, and seemed to know my current insurance provider and when my bill was due which raised my concern. When he called me back at XXXX again according to my phone records he said " are you ready for some good news!?! '' I replied yes! He then started to say something but stopped putting me on mute and then said " your looking for comprehensive right? '' I said yes XXXX deductible. XXXX was then at pause again said I want to make sure your getting the best deal and all the discounts asked if I had a loan on my truck and yes I do. Which then rang a bell for him completely steering me away from what I was already waiting for, saying that they can for no cost refinance if I wanted to and kept asking details on my loan I still had n't gotten my quote through the whole conversation he was dismissing my attempts to get it and said so because I do n't want to not give you XXXX your discounts I will need to call you tomorrow with your quote. I was confused as to what would take so long, but not knowing said ok. I asked I 'm to call before noon due to my schedule, he agreed.
I am trying all I can to build my credit so I 've made it a habit to check on my credit on credit karma almost everyday. I was feeling uneasy still and decided to check on my XXXX report and what I came across put a XXXX there was a hard inquiry showing in my XXXX a State Farm Bank hard hit and to contact XXXX to dispute. I did and spoke to a very caring young lady by the name of XXXX she asked me to send details of my situation and assured me that it will be investigated and taken care of. She was great to talk to but I will not lie the knot in my stomach is still here and I am still VERY upset at the fact that XXXX just lied to my face and had gotten access to find out things I never gave authorization for him to pry and especially not to run my credit. How did he get my social security number? How did he know my insurance company? How did he know my billing date with my insurance company?
Please help me get that unauthorized credit hit removed from my records and stop XXXX from doing this to another person.
HELP!!
I have already contacted the bank and was told not to call state farm agent that ran my credit without my permission that she is aware of it being a habit and it was an active investigation with agents doing so, so it would not do me any good to call them. She the rep at the state farm bank said allow them to call me back for records to show the contact and that will help my case. I sent a letter of complaint by fax as she requested I do and go a response stated that they will not remove the hit which has me outraged. As soon as I noticed the unauthorized hit XXXX XXXX 2016 approximately around XXXX I look at my credit on credit karma every day constantly to keep up with the activity since my bankruptcy I have been extremely nervous and excited watching my credit get better. I need someone on my side, someone to help fight for me and not assume XXXX at the insurance place whom had no right getting into my credit. I feel stuck and helpless, I have new start and made it clear no credit checks for a quote for insurance.
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| 02/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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State Farm Bank Deceptive Mortgage Practices.
On XX/XX/XXXX, I contacted my insurance agent XXXX XXXX ( I have been with State Farm 15+ years ), about their mortgage product as well as insurance quote and auto rates. XXXX quoted me a rate of 3.875 % and no lender fees. We spoke what items would be needed and he stated he would email me an application checklist. Due to the quote I called the next day and left a message to confirm the no fees, I also sent an email. He replied back XX/XX/XXXX and left a message and replied to my email confirming no fees. Since he confirmed no fees, we did a verbal application over the phone, I gave him permission to move forward with the application and pull credit, and I sent all items needed. At that time of confirming fees, they had taken an application, received all financials, bank statements, XXXX, and paystub, knew the product, the term quoted, new the address, and all needed information.
Then On Monday, he calls to review and take a deposit to look in. The rate now has increased to 4.25 % but with a XXXX discount point ( {$1300.00} ). After getting off the phone I access the disclosures they emailed ( this is Monday night after XXXX my family waiting to have dinner ) a noticed a {$470.00} processing fee, then fees I can not Shop for Appraisal {$510.00}, Credit report {$36.00}, XXXX XXXX {$7.00}, and XXXX XXXX {$70.00} for total {$620.00}. It also had estimates for title closing fees I expected, taxes and government fee I expected, prepaid I expected, and escrow I expected. All fees in total {$5200.00}, but the origination total of {$1800.00} and services fee {$620.00} are {$2400.00} in fee not expected and are regulated.
Nothing changed same program fixed 15 year fully amortized refinance cash out, on primary residence.
I email and called the next day stating this is not what I was told. I spoke to their mortgage department and was told they do not have a refinance no cost program and the rate would have had a XXXX discount point.
I asked for it to be escalated.
I spoke to two other people the week of XX/XX/XXXX. On XX/XX/XXXX, I followed up with XXXX. She said they would waive the processing fee but I have to pay the other fees. This is deceptive ; I had gotten other quotes I went forward based on the cost they stated. I allowed my credit to be pulled based on that. I have been going back in forth with a XXXX XXXX, he unwilling to escalate it and continues to say they will on waive the one fee. I continue to ask for it to be escalated due to the bait and switch.
If I go somewhere else rate have gone up significantly since that date. I could get a lower rate somewhere else back then. XXXX once you pull credit and their multiple days between you credit score is affected and rates are based on score so if score goes down due to pull rate go up State farm should honor what they told me to get an application. In addition, they are not allowed to change those fees based on regs.
The hardest thing is trying to deal with this, plus normal job, and my XXXX kids. This is not what intended when calling a company, which I have been with for multiple products 15+ years XXXX has a NMLS number XXXX for loan origination license and is authorized to conduct business per NMLS web site. The whole point of these licenses is to build trust, clients are not taken advantage, to say one thing, and change is deceptive. State farms own web site the president talks about ethics and trust.
XXXX XXXX agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX XXXX service recovery team XXXX XXXX supervisor XXXX NMLS XXXX
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| 08/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Please accept this letter as formal request for review of the XXXX XXXX XXXX XXXX internal investigation findings cited in the unfavorable Notice of Denial dated XX/XX/2018 ( Exhibit B ). The Respondent Notice of Denial dated XX/XX/2018 ( Exhibit B ), is direct evidence of malicious unlawful deceptive business practices. Regrettably, I am writing to petition enforcement relief. XXXX XXXX XXXX XXXX engaged in deceptive unlawful business practices willfully disregarding material evidence ( Exhibit A ) obtained during the course of its self-reporting internal collision coverage investigation. XXXX XXXX Insured and XXXX XXXX, Insured suffered irrecoverable undue harm due to the Respondents unlawful business practices the harm is continuous. XXXX XXXX, Insured and XXXX XXXX, Insured request that the Respondents unfavorable XX/XX/2018 ( Exhibit B ), decision be vacated, relief awarded, and that a favorable decision be rendered on the current record in lieu of the Respondents abusive unlawful deceptive business practices in violation of. XXXX XXXX XXXX XXXX, Property Claims Specialist Division called the insured XX/XX/2018 ( Exhibit C ), to review Respondent internal investigation findings on the record. The Respondent Property Claims Specialist Division conducted a reading of statutes, citing Respondent fiduciary obligation to conduct an impartial self-reporting internal recovery investigation via authority granted the entity by the NC Department of Insurance. During the XX/XX/2018 ( Exhibit C ), evidentiary inquiry the Respondent stated on the record that Property Claims Specialist Division obtained all material communiqu from the office of XXXX XXXX, XXXX XXXX XXXX ( Exhibit A ). The Respondent abruptly disconnected the evidentiary review call XXXX Exhibit C ) when the insured attempted to have the Respondent cite material evidence on the record ( Exhibit A ). The Respondent denied the insured request for recovery XX/XX/2018, ( Exhibit 2/A ). In verbal and written on the record communiqu the Respondent cited an internal self reporting investigation conducted during the relevant period XX/XX/2018, to XX/XX/2018, ( Exhibit 1/B ). The Respondent affirmed the unfavorable XX/XX/2018, collision recovery determination rendering egregious collision coverage Notice of Denial dated XX/XX/2018 ( Exhibit 1/B ). The Notice of Denial dated XX/XX/2018 ( Exhibit B ), direct evidence demonstrates that the Respondent engaged in further escalating unlawful malicious deceptive business practices by failing to cite or exhibit relevant material favorable evidence for the insured ( Exhibit A ) ; subsequent to the XX/XX/2018 ( Exhibit C ), Property Claims on the record telephone evidentiary review. The Respondent supplied evidence dated XX/XX/2018 ( Exhibit 1/B ), demonstrates completion of an internal investigation this direct evidence demonstrably demonstrates unlawful abuse of self-reporting enforcement privileges. The Respondent willfully subjected the insured to permanent undue harm completing and internal investigation XX/XX/2018 ( Exhibit 1/B ) that failed to acknowledge material favorable evidence for the insured dated XX/XX/2018 XXXX XXXX ( Exhibit 1/A ) regarding XXXX XXXX Policy XXXX ; G collision coverage ( Exhibit 2/A ). Material evidence irrefutably demonstrates XXXX XXXX contacted the Respondent XX/XX/2018, XXXX XXXX ( Exhibit A ) to verify XXXX XXXX Policy XXXX ; G collision coverage. Direct evidence demonstrates Respondent XX/XX/2018 ( Exhibit A ), verification of XXXX XXXX Policy XXXX ; G collision coverage subsequent to Exhibit ( Exhibit 2/B ).
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| 11/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX my wife and I closed on a conventional mortgage with State Farm Bank. Sometime shortly thereafter, their Escrow Dept wrongfully deposited the money entrusted to them ( intended to pay for our sod and sprinklers ) in my mortgage escrow account without my knowledge or consent. I still do not know if or how this could have possibly happened. On one of many calls to State Farm Bank, I was told that this massive escrow balance excess ( over {$20000.00} ) was because we were overestimating the annual taxes ( {$7500.00} ) to insure that there was enough of a cushion to pay taxes when fully assessed and due. We were told that amount plus {$4700.00} ( per our Closing Disclosure dated XX/XX/XXXX ) would give us more than enough to pay that responsibility. We were paying an additional {$690.00} per month as part of our monthly payment as well. Later, I made another inquiry about this bloated account and I made a written request that they drop my escrow account altogether since they clearly had it wrong and State Farm Bank refused to do that. However, they knew the account was badly mismanaged and they mailed the overage to me even though they said they wouldn't. My wife and I didn't understand what they were doing but we knew that this was not right and we were very uncomfortable with the numerous different people we spoke to and the wide array of answers we received from employees of the call center. We felt the overage had been mishandled and it definitely was. Much later, on XX/XX/XXXX my wife, XXXX, sent a very specific letter to State Farm Bank with a check sufficient to pay our summer taxes and she clearly detailed for them to apply our included check for {$6500.00} to pay our taxes and not to the principle. Since we had zero faith in their accounting skills at this point XXXX was VERY specific yet they misappropriated that money and applied it to the principle in direct defiance of our included written instruction. Subsequently, I made additional calls and relived our story repeatedly as they will not allow you to speak to the same person because their calls are handled by a call center. After multiple painful conversations, State Farm Bank finally did the audit that I had previously requested. Now they are sending differing amounts that we are " short '' even though we just paid the taxes so they are not due until this time next year. Our tax escrow should be $ XXXXmo however State Farm is forcing us to pay $ XXXX/mo as an adjusted escrow requirement. The major issue at hand is that this changes our payment for {$2700.00} ( as agreed ) to {$3400.00} which we can not pay. Please help us. We've made several attempts to correct this and we are getting nowhere. Our greatest fear is that their errors are going to impact our credit rating by their mismanagement of funds that were entrusted to them. This is the second time State Farm Bank has made a banking error in excess of {$10000.00} of our money. Last time was an error in a transfer from my checking account. I transferred a {$10000.00} loan to a State Farm Sales Leader who needed the money to close on his home loan with State Farm Bank. Somehow State Farm Bank admitted screwing it up this transfer when they sent the transfer twice! For a total of {$20000.00}. I have documentation from State Farm Bank. How does this happen? Who do they have handling these huge sums of money? It's very frightening to us and it needs to be investigated. Thank you.
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| 01/21/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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My wife and I have lived in our house for over 8 years and have never once had a late or missed mortgage payment. We wanted to refinance to a 15 year loan as offered to us by our State Farm insurance agent, and since we earn FAR more money now than we did when we first bought the house this change would not in any way be a problem for us financially.
The refinance process began XX/XX/XXXX, and we were given a tentative closing date of XX/XX/XXXX. Due to the birth of our son, it took us about 3 weeks ( XX/XX/XXXX ) to submit all required paperwork - which was admittedly our fault. However, we heard absolutely nothing from anyone until XX/XX/XXXX ( nearly a month after we were supposed to close and two months after sending everything in ) and were told they needed more documents, which we submitted the next day. Why did it take so long to realize they needed more information? Throughout the two month time period, we sent numerous requests for verification that they had everything needed - all of which went unanswered.
Then, over a month later XX/XX/XXXX, they realized my wife had gotten a new job and needed another employment verification - despite the fact that she had only been at the new job for about a week. Her new employer got them what they needed immediately and we were told this was the last piece of information required.
However, somehow we still did not close until XX/XX/XXXX. Throughout this time period, our rate lock had expired several times and numerous extensions had to be applied. Only one 30 day extension was " covered '' by State Farm Bank even though none of the delays in processing were our fault.
Closing disclosures began coming frequently throughout XX/XX/XXXX and XX/XX/XXXX and showed our closing costs were consistently rising because of points accruing due to the expired rate lock. We tried to reach our account manager ( XXXX XXXX, XXXX # XXXX ) four times over ten days ( twice via phone, twice via email ) to figure out why we were being given these points. We finally received a call back, but only after calling another associate, and were eventually told that the only way to remove the points was to unlock our rate - knowing very well that rates had gone up over a full percentage point during this time. We asked several times to speak to a manager and XXXX told us we did n't need to talk to a manager because he already had and there was nothing that could be done about the points. We made a series of other phone calls to finally reach a manager, and were told in a nicer tone that the " good news '' is that the rate was still locked and even though we had to pay the points, the interest rate we were getting was still lower than current rates - so we should still be happy about that.
We feel that because interest rates had risen so much, State Farm did not care if we followed through with the refinance and purposely dragged out the process so they could add on the points. They knew we were tied up and would never get the same interest rate again, so we essentially had no choice but to move forward.
The customer service provided by State Farm Bank was truly one of the worst we 've ever experienced and made us feel extremely unvalued and unappreciated. Furthermore, their delaying the process combined with their lack of communication over this 6 month time period which resulted in us paying more money than originally promised is both unprofessional and unethical.
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| 03/31/2017 |
Yes |
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Web |
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What Happened : State Farm Bank lost one of credit card payments, then fraudulently charged my Visa card, and refuses to remove the charge or work with me on a resolution. In XX/XX/XXXX, I made two {$540.00} online payments to State Farm Visa to pay for my XX/XX/XXXX and XX/XX/XXXX XXXX premiums, which consisted of ( at the time ) XXXX auto, XXXX life, and XXXX home policy. SFB processed one {$540.00} payment towards the XXXX payment plan, but STATE FARM BANK LOST THE OTHER {$540.00} PAYMENT. On XX/XX/XXXX, with XXXX Escalation Specialist XXXX on the phone with me, we explained the problem to SF Bank rep, XXXX ( XXXX ), who assured me she would " move the XX/XX/XXXX payment of {$540.00} to the Auto Plan. '' That would stop the late notices and threats of cancellation that I was being inundated with. She also confirmed that all I owed the following month was the statement balance of {$340.00} due XX/XX/XXXX, the premium for the XXXX life polices, since I cancelled the XXXX auto & XXXX home XX/XX/XXXX after being frustrated with this problem. On XX/XX/XXXX, I received a letter from SFB Collections that I had an outstanding bill of {$890.00}. I pay my credit card bills in full and on time each month. I did not have an outstanding balance with XXXX. How did the current balance of {$340.00} all of a sudden jump to {$890.00} and why was it in collections if the next payment is n't even due until XX/XX/XXXX? I immediately spoke with a SFB rep and learned that STATE FARM BANK ERRONEOUSLY CHARGED MY VISA {$540.00}. They then applied the funds to the payment plan where the money was used to issue me XXXX pro-rated refund checks for the auto and homeowner 's policies that I had cancelled. I disputed the Visa charge and have spent hours on the phone with countless bank reps who kept telling me I had requested a " payment reversal. '' This is False! And if this is a reversal of funds I gave SF Bank, why is this not a credit on my Visa but a debt that is now in collections? Why did SFB charge my card on XX/XX/XXXX when I made those funds available in XX/XX/XXXX? On XX/XX/XXXX, I explained the issue with SFB Supervisor XXXX ( XXXX ) who tried to trace this so-called refund or payment reversal, but neither my bank nor my local XXXX agents received it. She could not explain why the {$540.00} was charged to my Visa account, but was unable to remove it. Two hours on the phone and she could not remove it! Who can?? Only SF Bank Corporate can, yet XXXX, XXXX, and XXXX from Corporate were unwilling to do so and only referred me back to customer service. After complaining on social media, I was told my case would be sent to the Executive Team, the highest level of resolution which also reports to the Chairman. A few days later, XXXX from State Farm Payment Plan called, but when I explained that the problem involves a disputed charge on my Visa card, she assured me she would send this to State Farm Bank for review. It has been over a week and no one from the bank has followed-up. Meanwhile, the SFB Past Due Dept has no problems calling me every two weeks to seek payment and to ding my credit reports. My XXXX credit score has now dropped to XXXX. I have been trying to resolve this ordeal for the past six months, but I am being ignored and getting the runaround. State Farm Bank -- Please reply!
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| 05/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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In XXXX of XXXX my now ex-wife, XXXX XXXX, and I took out a HELOC with State Farm Bank ( " SFB '' ) ( Loan No. XXXX ) that was secured through a home that I owned prior to marriage. This HELOC was secured through a Deed of Trust ( " DOT '' ) that expressly provided that repayment of the DOT was the responsibility of the Trustor who as the DOT states are " XXXX XXXX XXXX and XXXX XXXX ; as husband and wife ( 'Trustor ' ). '' This DOT was entered into in California and under California law in the event of divorce marital debt is to be split evenly between spouses. Most succinctly, the DOT states that " each Trustor signing below is responsible for all obligations in this Deed of Trust. '' After enduring XXXX I filed for divorce. In the divorce proceedings we discovered that XXXX XXXX had redirected more than {$330000.00} of marital funds, including from the HELOC into XXXX of the XXXX separate accounts she maintained. I lost my job in XXXX of XXXX and was unable to pay the HELOC and was forced into Ch. XXXX bankruptcy in XXXX of XXXX which was dismissed in XXXX of XXXX. During the bkrptcy, I notified SFB that my ex-wife was jointly liable on this debt and demanded that they seek payment from her also.
On XXXX XXXX, XXXX SFB sent me a Notice of Default and demanded that I pay {$330000.00} which is the entire amount of the HELOC. I immediately contacted SFB and spoke to XXXX XXXX. I advised XXXX XXXX that the HELOC was incurred during my marriage and that under the California law marital debt is to be split evenly. I advised her that I could now make the monthly payment of {$850.00} and that I wanted to stay in my home. She said that I would have to pay the entire HELOC to stop the foreclosure. I explained that my ex-wife owed half of the debt under Ca. law and I advised that I could pay {$160000.00} of the HELOC immediately.
She stated that Ca. law does not apply and that the loan documents do not show that my ex-wife was liable for this debt. I told her she was n't being truthful and demanded the documents be sent to me. I received the documents 2 days later -- the DOT with equivocation states that she is a Trustor and that " EACH TRUSTOR AGREES '' to pay the " indebtedness '' meaning " all principal, interest, and other amounts, costs and expenses payable under the Credit Agreement. '' The DOT also states clearly that " each Trustor signing below is responsible for all obligations in this Deed of Trust. '' SFB flat out lied to me and forced me to sell my house when I offered to pay the $ that I owed under the DOT.
Moreover because XXXX XXXX advised that my house would be sold in " XXXX or XXXX '' I had to fire sale my house at a price that was {$70000.00} less than its value. The sale of my house is set for XXXX XXXX, XXXX. I have a XXXX and we can not now stay in our house because SFB used the foreclosure laws and the threat to sell my house as a weapon against me.
SFB mislead me by claiming that my ex-wife is not liable for her share of the HELOC and by demanding that I pay more than {$160000.00} of my abusive spouse 's debt SFB is rewarding the XXXX of my spouse and forcing me out of my home in violation of the law.
I want to stay in my home but at minimum forcing me to pay XXXX debt is a violation of California law and the DOT and is morally wrong.
|
| 04/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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XX/XX/XXXX - I talked to XXXX to get pay-off amount for my car loan. She gave me wiring information and several payment options that will determine the Release of Lien from 2 days to 10 days. I needed the title expedited so I did my XXXX ACH transfer XX/XX/XXXX with expected delivery XX/XX/XXXX. I remitted {$10.00} extra for overnight delivery. I told her also, since the loan will be paid off on the XXXX, I will put a stop payment on their next ACH as they pull out monthly payment from our account every XXXX of the month.
XX/XX/XXXX- With no title in sight, I checked my bank account. Money has been deducted. I called State Farm Bank and talked to XXXX who said my loan still outstanding and my XX/XX/XXXX payment was returned unpaid due to " Insufficent Funds '' ( Note this stop payment was pre-arranged a full payment was made XX/XX/XXXX. I was asked to go back to XXXX to verify transfer. XXXX confirmed transfer was completed XX/XX/XXXX.
I called again XX/XX/XXXX and talked this time to XXXX who said they are not showing any payment received from their Loan Services Paid File Room. He gave me three options to proceed : 1. Ask for Research which will take 3-5 days. 2. Go back to XXXX XXXX 3. Call their Bank Loan Center tomorrow. I asked to talk to a Supervisor and he gave me XXXX who basically repeated only what XXXX said.
XX/XX/XXXX - I called XXXX in the morning to check if he found my payment. He said No and asked me to go back to XXXX to get in writing so they can initiate research. I sent him a copy of ACH Transfer confirmation from XXXX confirming funds sent XX/XX/XXXX to be delivered XX/XX/XXXX. I asked to escalate issue with Supervisor and after repeating myself all over to XXXX XXXX, he told me the same thing and reiterated their policy of holding release for 10 days even if paid by ACH transfer. I gave him the amount of {$13000.00} to look for and asked him to look into why my ACH can not be found after 8 days. I also requested a report of investigation which he said another department, Recovery Team will do and that there are other customers ahead of me.
About XXXX XX/XX/XXXX, XXXX called to say they found payment! That here was an error! That nobody posted the payment! That they will investigate if this was human error or technical! I asked to talk to Sup XXXX XXXX and asked him to just resolve the issue and expedite the title to me. Instead of making correction, he again reiterated their policy of 10 days with the only exception of Wire transfer or CAshier 's Check. Please note this supervisor have no initiative to resolve the issue.. All he did was cover up and justify their errors! Exasperated with all wasted time, I called XXXX from Recovery Team for Investigation report but call went to recorder and no report has been received.
AS ofXX/XX/XXXX, no Release of Lien or Title has been received!
Issues : 1. Gross Negligence - They allow payments to float and not get proper credit when due. {$13000.00} is a substantial amount to be left unchecked.
2. Unfair Business Practices - This is so unfair to consumers who have no recourse if policy comes from top management Consumers are left at the bank 's mercy.
3. Predatory Lending - benefits the lender and ignores and hinders the borrower 's ability to pay.
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| 12/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Speaking with Representative XXXX of Statefarm Bank Auto Finance on XX/XX/2019 at XXXX XXXXregarding the additional payment of XXXX with a total of XXXX due by XX/XX/2019. I advised XXXX that I make all split payments bi-weekly of XXXX and XXXX so that my all payments are made on time. The representative asks to place me on hold to review my account.
Representative XXXX goes on to say sometimes payments post in the next month. I advised him that I reviewed my payment history prior to contacting Statefarm Bank and my payments are not late and both payments were posted on time bi-weekly and I also checked my bank statements as well.
The representative gets back on the line and confirms that I am correct and it looks like it was a mistake on their part. The representative asks to place me on hold again to reach out to another department for assistance.
The representative XXXX advised that my payment of XXXX on XX/XX/2019 went to the principal which from my computer does not give me the option to make such a request. The representative XXXX continually insists that I have the option to do so.
I advised the representative that I can't see any options on my end from my computer to chose other than to make a payment from my checking account. The representative states that he needs to contact another department to get this resolved and that it takes time and tries to end the call when I'm still addressing my payment. I asked the representative how much time will it take to get this resolved because my next payment is due on XX/XX/XXXX for XXXX which the next payment should reflect XXXX.
At this point, he is rude and I requested to speak to a Supervisor now and advising the representative XXXX that I don't appreciate his tone with me and that I have been a Customer of Statefarm Bank since XXXX and have Homeowner 's, life, auto with them.
The representative continues to place me on hold for more than five minutes and still have not reached a supervisor and wanted me to speak to one of his colleagues about my payment issue.
The representative XXXX places a supervisor XXXX, alias identifier is XXXX, states that I requested to have my payment applied to principal this time by coupon book and I advised the supervisor that I make online payments and that I do not use a coupon book to make payments. The supervisor XXXX, admitted that it was an error on their end and that they will try to get it resolved soon.
I advised the supervisor that maintaining a good consumer relationship with customers is important and more importantly, my credit should not be tarnished because of their mistake. I advised that I need this resolved by XX/XX/XXXX so that I can make my next bi-weekly payment of XXXX. Lastly, I have been on this call with Statefarm Bank for forty-six minutes. I just tried to go back online to my account and now I'm unable to view my account because of their mistake. I'm really concerned that something is not right here.
Please assist with this.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX email ( XXXX ) XXXX Mobile
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| 05/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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|
Web |
Older American |
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On XXXX XXXX, XXXX, I took my XXXX XXXX XXXX Coupe ( XXXX ) to XXXX in XXXX, Texas to see what they would offer me to purchase the car. At the time I was interested in a new XXXX XXXX, which had substantial incentive programs going for a limited time, savings in excess of {$6000.00}. So, my options were to sell the XXXX XXXX to XXXX or to trade it at a dealership for the new one, if the dealer offered me the same or more, because there would be a sales tax benefit in the trade as well. Much to my surprise, XXXX said that they could not offer me anything for the vehicle, because their XXXX XXXX History report ( like XXXX ) indicated a possible odometer rollback, which is against the law. The XXXX report indicated the car had XXXX miles on XXXX/XXXX/XXXX, whereas it showed XXXX miles on XXXX/XXXX/XXXX. So, I immediately called my XXXX agent, XXXX XXXX, whose agency back in XXXX had talked me into transferring my XXXX XXXX XXXX car loans to State Farm Bank. After hours of going back and forth on the phone with XXXX as well as people at SFB that he connected me with, I was told that it would take 6-7 weeks to get the title corrected, and that the best they could do that day was to give me a signed and notarized affidavit, stating the correct mileage as of that day. My hands were tied ; the XXXX report showed XXXX miles on XXXX/XXXX/XXXX, one month after transferring the loan to SFB. Just 8 months earlier, the report showed the vehicle to have XXXX miles. I took the affidavit back to XXXX, and they said that they could n't help me ; the title needed to be corrected. When you look at the " Application For Texas Certificate Of Title '' document, which I had signed on XXXX/XXXX/XXXX, the mileage is written in with a different handwriting than mine. When I signed the documents for both cars, I was asked to give the mileages over the phone. My thought is that whomever I gave them to mixed them up. My other vehicle was a XXXX XXXX XXXX, which had far more miles on it. But, because SFB had conveniently lost the " Application For Texas Certificate Of Title '' on the XXXX, there is no way to prove this. Of course SFB has asked me in the last two months to sign, write mileage in, and send them that document for the XXXX XXXX.
So, on XXXX XXXX, XXXX, seven days after I had left XXXX, I traded the XXXX XXXX XXXX for the XXXX XXXX, because many of the purchase incentives were due to expire by the XXXX. The dealership said they could only offer me {$7700.00}, even though the trade in amount for a " low mileage vehicle '' in outstanding condition ranged from $ XXXX {$10000.00}. They said that the affidavit could n't be substituted for the corrected title, especially in light of the fact that they would want to resell it right away with a clear title, and that would n't happen for at least 5 more weeks. State Farm Bank not only refused to provide any restitution, but they had the audacity to say that I should be happy with the savings I got on my new vehicle, because of the incentives ( backhanded, cavalier remark ). So, the deep pockets make clerical mistakes, but they do n't have to pay for them!
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| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Companies involved : 1. State Farm Bank 2. XXXX XXXX XXXXXXXX XXXX Amount : {$690.00} XX/XX/XXXX mortgage payment to State Farm Bank This one time payment was submitted by me to State Farm Bank on XX/XX/XXXX by phone, conformation # XXXX.
Receiving of this payment was recognized by State Farm Bank in the Mortgage Statement from XX/XX/XXXX as received on XX/XX/XXXX.
In the same statement though on XX/XX/XXXX State Farm Bank does a NSF reversal of $ - XXXX, but this amount was never credited to my account.
In letter from XXXX XXXX, XXXX XXXX Bank claims that the payment was not honored by XXXX XXXX XXXX with return reason " customer claims debit was unauthorized '' and amount of return funds is {$690.00}.
I immediately contacted XXXX XXXX XXXX and spoke with a customer service representatives and Claim specialists. All of them assured me that the payment I did was completely valid and the money were transferred to State Farm Bank and that XXXX does not hold any restrictions in file for payments towards them.
From the XXXX transmittal they provided me, is visible that the same payment was drafted on XXXX XXXX : State Farm Bank 1 Time DFT # XXXX TEL ID XXXX ACH Debit $ XXXX.
The same information is visible in my on-line bank account and in my monthly statement from XXXX.
In my last phone conversation with XXXX claim specialist, he confirmed that XXXX consider this payment valid and received by State Farm Bank and provided me with a XXXX # of this transaction XXXX XXXX XXXX XXXX XXXX. And advised me to provide State Farm bank with this XXXX #, for them to trace where actually this amount of money did go from there on.
Between XX/XX/XXXX and XXXX XXXX I contacted State Farm Customer Service every day and spent hours on the phone trying to find help and solution from them, but they were completely unhelpful, incompetent. I was begging to be transferred to managers or departments. Really pitiful and sad.
Finally I was advised by them to fax a letter with the description of the problem to their Research Department. This letter I faxed on XXXX XXXX and don't have an answer, still.
Meanwhile my loan was transferred on XX/XX/XXXX from State Farm Bank to XXXX XXXX and serviced by XXXX XXXXXXXX XXXX XXXXXXXX and as I expected the information State Farm provided them about the loan was that my XXXX XXXX payment was not done. The new servicing Co advised me to pay to them for XXXX and XXXX just not to have problems with them in the future.
So basically I paid the XXXX mortgage twice.
And the amount of {$690.00}, withdrawn from my account for XXXX XXXX mortgage payment is nowhere to be found between the two banks - XXXX XXXX XXXX and State Farm Bank XXXX
It's unbelievable that State Farm Bank wouldn't ever consider to address the issue after so many recorded /I hope/ conversations with their customer service representatives and a faxed letter to their research department from a customer who has no fault at all and paid on time and paid twice???!!!!
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| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.
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| 11/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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I have been mistakenly put into collections for bills that have been paid. I possess all receipts directly from my bank. Their service arrogantly refuses to accept that fact. When I try to talk to their collections people they tell me the conversation will be recorded. Therefore, I tell them I am recording the conversation as well to which they respond " We can not continue the call if it is recorded '' and hang up.I followed their " Billing Rights '' process and sent a letter in compliance on XXXX. To this day I have not been contacted to discuss the matter and trade documents. Their " Billing Rights '' process instructs " continue regular payments '' to which I have complied. It goes on to say " We can not report the amount as delinquent ''. However, the three credit bureaus have marked me as such. At this time late fees have added up to {$190.00} and rising. That is currently in dispute. I would like an accurate payoff figure dating to XXXX, that has deducted the payments made since then, and deducted all interest since then as well. I am ready and able to make such a payment. Also, they must remove all negative documents from each reporting agency ( XXXX, XXXX, XXXX ). Following is the letter I sent on XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Farm Bank XXXX XXXX XXXX, Deposit New York, XXXX I sent my payment of {$50.00} to be received electronically on XXXX as I have always done. Payment is due on XXXX. On XXXX I received a message from my bank that the payment was not accepted. This is very odd as I have sent in payments in the exact same way for quite some time.
I called State Farm on XXXX to determine what went wrong and was told that I had to send the money under account number ending in XXXX ( previously always sent in account ending in XXXX ). The operator insisted I give her my checking routing number to make the payment which I did. I was told there will be no charge for the transaction. I was also informed that the penalty will be waved. According to my bank, the check was cashed on XXXX.
This month I have received several harassing phone calls from State Farm who would not tell me why they called because I told them the call is being recorded.
Since then I have sent another {$50.00} electronic payment to be received on XXXX. My bank informed me that the payment was collected. There is another electronic payment scheduled for XXXX of {$50.00}.
I have never missed a payment with anyone for any reason for at least the last 20 years. Please correct my account and send me an accurate account balance. I intend to pay this off in full and never do business with your service again. I believe interest charges should stop on XXXX as I was unable to get an accurate payoff figure from your service representatives. An immediate response is requested.
XXXX XXXX XXXX
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| 01/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I bought a truck in XXXX of XXXX with my mother cosigning for me. Everything was in perfect order until Covid-19 hit. I called State Farm Bank to see if I could get a deferment. They gave me one for XXXX, XXXX, and XXXX XXXX of XXXX ). I paid the regular payment in XXXX. I asked them again for another deferment ( and they gave it to me ) for XXXX, XXXX, and XXXX, XXXX. My next payment was due XX/XX/XXXX. I called and made a payment on XX/XX/XXXX. I waited and waited for them to take the payment out of the same account that I had been paying before Covid, for 2 and a half years. They never did. I was not aware that the company had merged with XXXX XXXX in XXXX XXXX. It was around this time that I was beginning to see the issues this merge caused.
I spoke with XXXX on XX/XX/XXXX and he explained to me that I could not use the account I had used for 2 and a half years, and I had to make the payment out of another account. I wasnt happy, but paid the payment. Reference number XXXX.
I started looking into my account online, State Farm Bank. My account activity was crazy.
The ACH payment schedule ( of {$360.00} ) from XX/XX/XXXX to XXXX XXXX All were made on time with never a late fee or mark on my credit!
Then Covid hit.
I asked for a deferment. State Farm gave me XXXX, XXXX, and XXXX of XXXX I paid {$360.00} on XX/XX/XXXX I asked for a deferment XXXX, XXXX, and XXXX.
My payment for XXXX was made on XX/XX/XXXX. It was reversed XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Payment- they tried to take it out of my mothers account XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX Payment XX/XX/XXXX Payment I never knew any of this! Since I saw this, it was erased from my account.
I talked to XXXX XX/XX/XXXX said i was paid up until XX/XX/XXXX. XXXX I talked to multiple with State farm Bank. I was the one calling to try and get this straightened out. They never contacted me. I talked to each of them at least 2 times.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was paid up until XX/XX/XXXX, then they took a payment out of me XX/XX/XXXX. I asked for a return, as it was taken out of the wrong account. Now they are telling me my payment is due XX/XX/XXXX and I dont think it is right.
I want my record cleaned with this bank/merge. If the covid didnt hit everything would be fine. I was unable to get any loan for XXXX, and was turned down for any credit cards.
I am furious with this, and wanted to get away from this bank, and no one can help me with that.
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| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest.
I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address.
Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check.
This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out.
I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days.
I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility.
If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this.
I would like this facility to be audited, they need to be exposed and audited.
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| 09/23/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
Older American |
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I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.
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| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.
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| 05/09/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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I have two products with State Farm : 1 ) Checking account 2 ) Auto Insurance To access either it was one portal statefarm.com as in common with many financial companies to login to to view or handle transaction in my checking Or view insurance policy information or update the payment 'from ' account on the monthly payment plan for auto insurance every XXXX of the month.
I did go into the payment plan for auto insurance from time to time to update the payment account to be debited past few months from XX/XX/2018 to XX/XX/2018. Twice the payment bounced ; however I did pay immediately a few days later via the site with the pay now option with another credit card or account.
Suddenly one day when attempting to login to access my checking account information/statements ( which are setup to be notified of electronically as well ) I had an account suspended notice and could not login.
Called State Farm customer service immediately and got transferred to tech support, they were thinking it was a technical problem, but they could not resolve it, after two weeks, finally a technician stated, it's not the account getting locked out, it's the State Farm insurance end product and payments not going through a few times that has made the website inaccessible is what he said it stated in the notes. That's all the tech knew.
Called State Farm customer service again. And relayed that information I was told. Finally the customer service rep stated, yes, that until I go by six months of not bounced payments for the State Farm insurance product then I will regain online access back to the statefarm.com site to be able to access checking account. No clear explanation when I queried as to what rules or in what policy does it state that one product has to do with another? Or could they just lock me out of the insurance product but allow me access to only the checking account for now? The response was no, and that I would need to wait. I requested I have paper statements sent, and the rep stated it could not be done because my settings/preferences on the site are setup as electronic notification when statements are available.
This has me having to call in every few days to monitor account for all transactions in and out or using the atm for latest account balance. I feel this seems to be a right I have to be able to access my account when/if needed irregardless of the other product.
Additionally I attempted the supposed automated phone feature that utilizes voice print and fail to connect properly any time. Thus, I end up on hold anywhere from 15-25 minutes on average to get a rep to ask what my current balance and recent transactions are.
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| 05/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX I lost my job. I managed to keep my payments on rime until my retirement funds ran out. I reached out to state farm bank to see if there was help for people in my situation. The bank told me they could help just complete the package they send in the mail and return it ASAP. I did that however they kept telling me I needed a self employment form. I tried telling them for months I had not used my XXXX XXXX licenses and zero money had been made for years. Yet still when I called to check on my status I always needed this form. Needless to say I fell behind during this time. I received my tax refund and paid everything in full. My neighbor decided to purchase my home. During this time I made contact with tax assessors office to inquire on tax amount and discovered my taxes had not been paid. I called State Farm and informed them they paid {$820.00} in XX/XX/XXXX which was not due because I closed on my home in XX/XX/XXXX and all taxes were paid. In XX/XX/XXXX they paid {$1200.00} to someone elses taxes. And in XX/XX/XXXX they paid XXXX two times! All out of my escrow account. After I spoke with a supervisor months trying to get it straight ( my nerves from my decade long job being ended and trying to make payments and get this tax situation straight took toll ) I received a check for {$1400.00}. I have tried over And over to tell these people their mistake but now they have increased my mortgage obligation. I was XXXX short on a payment and they are holding my payment ( unapplied funds ) and constantly sending foreclosure notices. I filed bankruptcy to keep my home but now Im facing the same situation again only I cant even talk to anyone to resolve it. They either transfer me and never pick up or disconnect the call. I have my XX/XX/XXXX and XX/XX/XXXX payment but Im scared to pay it because I dont trust that the money will go where it is suppose to. I requested to close my escrow account due to the fact that State Farm bank still owes me money for there error however they Refuse. They charge me fees for appraisal value however I never get to see the appraisal because Im charged private mortgage insurance! My home is worth double of what I have financed however continue to charge pmi. I have sent emails. Made calls. Sent letters. Im at my wits end. Please help me. One more thing ... ..my due date was theXXXX, all of a sudden my due date changed to the XXXX. People budget how can they just change a due date that was agreed on from day one???? Its so bad I was XXXX accepted to work for State Farm. I declined due to the way they have been so underhanded. Their intentions I believe was never to help.
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| 10/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money.
Thank you for your time, -XXXX
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| 06/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
|
|
Web |
Older American |
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On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.
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| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row.
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years.
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product.
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance.
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford.
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending.
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before.
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX.
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me.
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing.
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this.
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth.
But, I am not pleased with how this is being handled.
I am in need of assistance.
Sincerely Yours, XXXX
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| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below.
I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX.
My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time.
In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response.
Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}
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| 11/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account Name Account NameSTATE FARM BANK, F.S.B.
Account NumberXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Account Name Account NameSTATE FARM BANK, F.S.B.
Account NumberXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Account Name Account NameSTATE FARM BANK, F.S.B.
Account NumberXXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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House at XXXX XXXX XXXX XXXX TX was financed thru State Farm Bank.
Mortgage in name of XXXX and XXXX XXXX, loan number XXXX XX/XX/2020 - House sold XXXX XXXX XXXX, XXXX TX XXXX XX/XX/2020 - Actual date unknown. Received check for return of escrow dated XX/XX/2020 but sent to the XXXX XXXX XXXX address. Check issued in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX was deceased.
XX/XX/2020 - bank refused to cash check without signature of XXXX XXXX.
XX/XX/2020 I went to State Farm office XXXX XXXX XXXX XXXX # XXXX XXXX TX. Spoke with XXXX who made copies of XXXX death certificate, the check in question, XXXX will naming XXXX XXXX her sole beneficiary, and a change of address from the XXXX XXXX XXXX XXXX TX address to XXXX XXXX XXXX XXXX TX XXXX.
XX/XX/XXXX, XXXX I received letter dated XX/XX/2020 with USPS notification of change of address dated XX/XX/2020 with condolences and notification that XXXX XXXX was removed from the loan. ( The loan which was paid off at the sale on XX/XX/2020. ) The letter provided XXXX as a number to call for further questions.
That number was called at least twice, likely three times, during this debacle. I left a message with a promise that I would be contacted within 24 hours. I am still waiting.
XX/XX/2020 responded to above letter of XX/XX/XXXX, advising that they had copies of death certificate, advised new address again and requested re-issue of the check.
XX/XX/2020 I received letter dated XX/XX/2020 ADDRESSED TO XXXX XXXX XXXX XXXX TEXAS XXXX. Not having the correct address of XXXX XXXX XXXX XXXX TX XXXX causes this correspondence to be severely delayed. This letter advised that they will respond WITHIN 30 days. Gave direct phone number XXXX which is a recording that doesnt produce return calls either.
XX/XX/2020 -Responded to above letter reiterating comments of XX/XX/XXXX letter. Advised next letter would be to CFPB.
XX/XX/2020 received letter dated XX/XX/2020 ( ADDRESSED TO XXXX XXXX XXXX XXXX TX AGAIN ) with notice that their review is taking longer and they would need additional time to furnish a response. They will provide a response within 15 BUSIESS DAYS - WHICH IS 21 CALENDAR DAYS ANOTHER THREE WEEKS.
XX/XX/2020 4 months post sale I still do not have my escrow refund or any cognizant response other than form letters from State Farm Bank.
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| 03/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We made a payment viva XXXX XXXX online bill pay to State Farm Bank for our XXXX mortgage payment the end of XXXX. Normally I make all payments through the State Farm website but both times I tried it was not functioning. XXXX reported the funds had been delivered on XX/XX/20.
Below is the event timeline : XX/XX/XXXX : We received a letter informing us the payment had not been received. I called as soon as I got the letter around XXXX oclock. They threatened that if I did not make an additional payment, we would incur late fees and have a mark on my credit. The double payment was made in anticipation of them quickly resolving the issue. At that time, they had told me should be the next day.
I emailed the transmittal form provided by XXXX stating State Farm Bank had received and accepted the funds to both the website message center and XXXX.
XX/XX/XXXX : I called State Farm Bank the customer service representative said that they will not resolve the claim for up to 48 hours, call back Thursday. When I asked if they could at least tell me if the documentation I submitted was correct, they said no.
XX/XX/XXXX : The customer service representative that day said it could take up to a week, I asked for a manager. The manager told me I could fax it, when I stated I had no access to a fax I was told it could take up to two weeks. Also, recent information two both the web site and email.
XX/XX/XXXX : On the call this day I got a customer representative that said they had received the proper documentation and it should be resolved by the end of the day. However, it could take a little longer call back on the XXXX have I not heard anything.
XX/XX/XXXX : The first representative said they never received the transmittal. I was sent to another a person and they FINAL found it and stated they would work on it. They called back and declared I should hear from them first thing the following day.
XX/XX/XXXX : I called after not hearing from them by XXXX. The representative from the previous day said the managers were working on it and would call back by noon the following day.
XX/XX/XXXX : Never received a call back, I called them, they called back. The message was I would have to escalate because in order to have it looked at then hopefully resolved.
Email transmittal from XXXX was sent to : XXXX XXXX
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| 10/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 12/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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State Farm filed 2 " zero pay '' claims which are inaccurate in both instances we called to ask questions about filing a claim and decided not to yet they reported them. They never told us they would be doing this and when we asked did not know that it did report so now I am losing insurance coverage because i have 3 " claims '' in the past 2 years although in reality there was only one actual claim filed.
XX/XX/XXXX we were abruptly informed that State Farm would no longer provide coverage as we had 3 claims on our property. This was surprising to us as we only had one claim that we were aware of XX/XX/XXXX.
The other 2 claims that we were made aware of are as below : XX/XX/XXXX we had mold due to water damage in a ur home. We had called State Farm to understand if our policy would cover damages at which point in time they had informed us that mold is not covered under our policy. No claim was filed as there was nothing that could be done.
XX/XX/XXXX we had experienced theft while travelling. XX/XX/XXXX we called State Farm to inquire what options we had within our policy to potentially file a claim. We were informed of the deductibles and coverage options and decided against filing a claim.
Both claims had been calls to our local State Farm representatives to understand our policy options to make an educated decision on whether filing a claim was even an option.
Both cases we were re-directed to claims department which we now understand that in talking to a claims representative means that they open a claim without our knowledge or consent. Our local representative ( XXXX XXXX ) and his team were not aware of this being a State Farm protocol and had advocated on our behalf to have the claims removed as they were the ones to re-direct our calls to the claims department for more information without our knowledge of them opening claims.
Both claims were zero pay '' claims as they were intended to be informational calls and NOT claims.
Had our local branch informed us that talking to a claims representative to understand our policy meant a claim would be opened without our request or consent as standard protocol we would have never made the call. We were under the impression representatives were there to help the client ( us ) rather than working against us.
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| 01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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This complaint is regarding State Farm Visa Rewards credit card I've had the card a short time which I receive in XXXX first payment was due in XX/XX/2019 I downloaded the app in order to make my payments Made a payment on XX/XX/XXXX which was early which I do with every card I have On the application I opted into paperless I no longer have any mail I may check it once a month When I did receive my mail I seen that they did a reversal which you will see on a screenshot that I will provide as an attachment of {$30.00} and then they applied a {$25.00} return fee as soon as I received this letter I called the number in the letter which I will also attach but this will be one letter of two letters which is the most recent letter I received regarding the same issue as I said I called the number in the letter they went ahead and made an adjustment on the {$25.00} return fee due to the fact that they realize that there was an incorrect account number that they had assured me was corrected Same issue occurred on XX/XX/XXXX when I paid a {$35.00} payment early as you will see in the screenshot I will attach that was also reverse and a {$25.00} return fee attached to that and that is the issue I'm complaining about I contacted State Farm agents regarding this issue I spoke to several different agents no one was able to resolve the issue or assist me they didn't have the resources they had told me, to adjust the {$25.00} return fee but when in fact they were able to do that in XXXX as you see in the screenshot I requested a corporate number they informed me that it was against their policy to give out a corporate number but the agency was able to request that for me and send it to corporate that I would receive a phone call within 24 hours which I never received a call from corporate regarding the adjustment for a {$25.00} return fee Simply put my complaint is poor customer service not able to assist the customer properly to resolve an issue Giving false information regarding that an issue was resolved no corporate number for complaint department available that the customer can find easily No email sent regarding the issue at hand, when many people today don't need to check their mailbox as many of us as I explained to them does everything online text or email
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| 12/23/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed.
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas State Farm stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus.
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies.
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
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| 02/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;
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| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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State Farm Bank has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XXXX/2020. I called in XX/XX/XXXX2020 and an State Farm bank account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from State Farm Bank XXXX stating the info was accurate and would remain on my record.
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called State Farm and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX returned a decision to me stating State Farm would not change this discrepancy. I was then told by State Farm to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days ( after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX tells me there is nothing they can do my dispute was sent in and State Farm has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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|
Web |
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I applied for a hardship on my auto loan due to a change in employment. I can no longer afford my current payment and they informed me that this modification would help me out. I applied for the modification last XX/XX/XXXX. I submitted the application and notified my insurer ( XXXX ) that they needed to send the hardship department a declaration page of my insurance with Statefarm bank as the leanholder. I was contacted my the hardship department stating they received it but it did not have the correct information on it. I then contacted my insurer and asked them to resend it with the correct information. Since XX/XX/XXXX I had been locked out of my online account and saw that I had no payment due. I thought maybe they had been working on my account. I never heard back from them about the status of my application. In XX/XX/XXXX, I noticed that I had a derogatory mark on my credit from State Farm bank saying I was 30 days past due. Mind you, my account had shown no payment due in XX/XX/XXXX as well. I contacted the hardship department and they told me my application was voided after 15 days because they never received my insurance information. They said if we could find out if it was not my fault then we could proceed with the application and get the credit remark removed. I contacted my insurer and they told me that they had in fact sent the form twice. I have been back and forth with the hardship department and have been lied to every time. Saying that they do n't reverse their decisions, that I was at fault, and even stated that they had in fact received the insurance information but still voided my application. Then told me I was never even eligible for the hardship in the first place. I have asked to speak with management several times but to no avail they are always busy and never return my calls or messages. I feel like they lied to me and are trying to sweep this under the rug and avoid taking responsibility for what happened. I wanted to do what I can to be able to make my payment and stay in good standing on my account but they flat out refuse to work with me or help me out. I have been struggling and just need some help.
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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This is not a duplicate case. I am submitting this request as I have garnered additional information from both State Farm and XXXX which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to XXXX. It also appears that State Farm has chosen not to correct the action, which comes as surprising as the information is black and white.
The account is being reported to XXXX as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ).
Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed.
I have since been in contact with XXXX and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ).
As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago.
In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XXXX XXXX, 30 days after the payment has posted to their account.
Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months.
I need confirmation from State Farm directly, as to which payments ( month/day/year of the late payments in question ) State Farm is reporting as late within the last 60 days to XXXX. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate.
I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.
|
| 02/21/2021 |
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 |
Older American, Servicemember |
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In summer XXXX I incurred unexpected auto repair expense that wrecked my fixed income ( Social Security ) ability to pay my two credit card payments. XXXXXXXX XXXX was very helpful and gave me a long term no interest payment plan that I've been paying for over a year. State Farm Bank ( now bought by XXXX XXXX ) put me on their hardship program in which my payments were {$60.00} per month for a year. In XX/XX/XXXX this hardship year elapsed. My XXXX statement was 50 % more than the hardship payments for the previous year. During the hardship period my income decreased by more than 10 % due to XXXX deduction. On XX/XX/XXXX I called State Farm/XXXX XXXX and asked to remain on the hardship program. " XXXX '' told me that day that " we can't do that '' at which time I informed her that " yes, you can ; you just refuse to do so. '' I happen to know that the bank can do pretty much whatever it wants, up to and including writing off the entire account balance. From XX/XX/XXXX to XX/XX/XXXX I made no less than a dozen attempts with State Farm/XXXX XXXX to arrange payments I can actually afford. All I got was the " we can't do that '' lie. " XXXX '' told me this same lie on XX/XX/XXXX. I have a voice recording of that conversation. On XXXX XXXX someone at the bank brought up the " permanent hardship program '' and I asked " why hasn't anyone told me about that before? '' The bank person had no answer and I was never offered the chance to be in this heretofore unknown program and they never brought it up again in all the numerous calls, letters, and emails I sent them relative to this matter. In XX/XX/XXXX they sold the account to a debt scavenger and I've made one payment to them and figure to continue doing so. My complaint has to do with whether the bank can blatantly and repeatedly lie to its long time ( more than ten years of not being delinquent ) customers with the " we can't do that '' lie. Also that no effort was made to tell me anything else about the so called " permanent hardship program '' that was only mentioned that one time in XX/XX/XXXX.
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| 02/20/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN.
This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.
One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery.
It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents.
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file.
What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide.
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar.
I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF.
This is hard evidence of using fraud and/or deception to obtain my funds.
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.
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| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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In XX/XX/2018, when I was obtaining quotes for new car insurance, I discovered that XXXX XXXX has been reporting that I have had lapses in my insurance policy several times over an 8 year period. Because of the public information they are inaccurately reporting, insurance companies think that I am a " high risk '' insured because I let my policy lapse. This information is not valid, correct or legitimate. I contacted my agent and they confirmed that this information is not correct and couldn't explain why it is being reported incorrectly. My policy has never lapsed and their answer was to provide me a letter showing the correct information. However, when I asked them to please call and correct their reporting information with XXXX, they didn't know what I was talking about or how to correct it. They advised me that the letter should be good enough and all I need. But it isn't. Any insurance company that runs me through XXXX to verify my car insurance payment history can see this incorrect information and will give me a high risk quote for insurance. I also think that I am paying more than necessary for my current policy due to this information because the underwriters think I am high risk as well. This has been going on for years and I did not know about it. If I hadn't got tired of paying the increasing premiums and was looking elsewhere, I would just continue to be oblivious. This keeps me from getting a new and fair insurance policy if I desire and forces me to pay more for insurance when I shouldn't be. Also, if my lienholder had seen this, they could have repossessed my car thinking I did not have insurance. The State of Missouri could have suspended my drivers license for not having insurance. And my job could have fired me as I have a background check every year and can not break the law in ANY way. This is a serious problem that could have had catastrophic effects for me. This is very unfair to someone who has been a customer of StateFarm for over 20 years and always pays their policy.
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| 10/30/2015 |
Yes |
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Web |
Older American |
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On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.
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| 07/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XXXX, XXXX, and XXXX of XXXX, I was put on a deferment plan due to COVID 19. When I signed online to make my payment on XX/XX/XXXX it would not let me enter my card. I called State Farm Bank to find out why I can not pay and they tried to take it over the phone but due to me not having a checking account any longer, they refused the payment. They said that they can only take payments via checking account. I closed my account due to fraud activity and opened a new account at a new bank, with no checking account. I have an XXXX XXXX card to pay all my bills and money is transferred into it to make the payments. They said too bad and I could open a checking account through them, pay the fees for the checking account I don't need, but how do I get money in it if they don't take a card. They said I could go to XXXX XXXX and wire the money but I am responsible for the fees. I can't leave, doctor 's orders. I called and filed a complaint on XX/XX/XXXX. I was told by XXXX that they would repossess my vehicle. I have been calling ever since trying to get a response, nothing. I was told I will have to wait. Today I spent 3 hours on the phone trying to make my payment, they told me to refinance it somewhere else if I don't have a checking account. I again told them that I will put the payments into escrow until they decide how they are going to take them. They refused and said the vehicle would be repossessed. I has called headquarters, asked for headquarters, corporate, anyone that will help in upper management and they hang up or send me to a department that can not help. Who, in this day and age, has ever heard of a bank not taking a card? My bank laughed and said they have never heard of such a thing. They said that I will incur late fees and it will affect my credit. So I have two law firms waiting for them to answer. I need help, I can not afford this and can't afford two law firms to convince a bank to take a card for payment. This is ridiculous.
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| 01/20/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American, Servicemember |
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A Dear Sir : My name is XXXX XXXX My account number with State Farm was XXXX. The account was in my diseased husbands name.
I am from XXXX XXXX and I am XXXX years old. I am victimized with this account by State farm.My husband XXXX XXXX XXXX and I took out this loan of {$30000.00}. Unbeknown to me he was borrowing much more money that I was not aware of. He was very sick at the time and receiving XXXX XXXX.Then when he went into intensive care.I found out what he was doing I called and .stopped his borrowing.I paid an increase payment. I paid off the loan around 2013. I borrowed money from the XXXX XXXX for the amount what XXXX owed.Where I came from XXXX we grow up that we do n't have money we do n't spend and we owe money we pay no matter what. I think State Farm did wrong to me each time XXXX borrowed more money they should have notified me the spouse and it and I should signed by me also However, I signed for a small amount for help him out. No State farm people told me or explained to me that he could continue borrowing without my knowledge.I would like someone to look into this matter at this time. I would like you to investigate all the my history with State Fram business. Please look into this matter so I do n't have to live with terrible feeling about all about this acct. I paid off over {$82000.00} to State Fram I borrowed from the other bank to pay it off. Please. Check this. What can you do help me feel better with State Farm I really believe in State Farm. I always deal with State Farm I feel there are something can be done by authority. I am victimize by working so hard not being at home. I did not know State Farm and my husband could do this no matter what I paid off. Now Sate Farm should do the something like this case should change people like me from oversea work so hard and ending is disappointment. I would like see some truly caring people .I have two personal friends that are lawyers who would like to read the contract.
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| 12/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Too Whom it May Concern, I contacted the State Farm Consumer Reporting team on Tuesday, XX/XX/2018 to discuss an account ( charged-off credit card ) reported to the credit reporting agencies. Since I discovered this account, I've vigorously disputed it ( online ), while going through multiple surgeries and XXXX treatment. Also, I spoke directly with a representative, XXXX XXXX, at the company who was surprised that he " could not find ANY paperwork associated with the aforementioned credit account. '' At the time the application was reportedly submitted, I was in high school student. In fact, I was participating in a research program in California and XXXX XXXX. I was also shocked that no one ( credit bureaus or company ) could provide me with a signed document and/or other verification documents. After being told they could not find information or an application linked to the account, I received a simple transaction list ( e.g. XXXX, XXXX, etc. ) in the mail, which does not satisfy the FCRA verification requirements. I responded to this issue by placing an Identity theft alert on my credit reports and froze them. However, I am using this correspondence to submit a statement to outline my dissatisfaction with the process. The credit reporting agencies responded to my verification request with canned responses. NO ONE, including the company, furnished me with a contract/application with my signature. I didn't receive any hard evidence that links me to this account, which concerns me.
In essence, I see this report to the CFPB as an option for the disadvantaged/underprivileged in this country to overcome the structural bureaucratic barriers that exist. Again, it concerns me that the credit reporting agencies can report something as verified without sharing the materials they used to verify an account. This behavior seems to encourage creditors to disregard robust investigations. Having said that, I hope this issue can be resolved.
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| 04/07/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?
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| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home, State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.
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| 07/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I moved to XXXX in XXXX, 2020, before leaving i closed out my state farm credit card, which was used solely for the purpose of an automated monthly payment of my various XXXX XXXX XXXX policies, before leaving i asked my agent what would be owed after my departure, and provided alternative credit cards for those payments, i closed out the card with a XXXX balance, and that day, the automated payment was posted, if it was posted before i closed the account, i should have been notified by the representative that i held a balance and i would have paid it then, if it was posted afterwards, it should have been denied and i would have happily paid it with another card, i was never notified, the bill could not be forwarded to XXXX, they spent time calling my old landline i had disconnected a year before, by the time they called my cell on XX/XX/2020, i was 2 months overdue and in internal collections, i paid it that day, XXXX dollars and change, routing monies from my american bank, state farm refused to provide proof of payment, after a hassle of many days, they gave it to my agent, i then took the documentation showing i had a closed account with a XXXX cent balance, and bank documentation of the routed funds, and sent it off with a written dispute to each of the 3 credit bureaus, i followed up with online disputes after phoning each, they refuse to remove the late status and my credit score plummeted from XXXX to XXXX, i am soon returning to the us and want to purchase property, after spending a lifetime with perfect credit, this is infuriating, as i did all that i could ponder to meticulously prevent just this type of issue, i do not know if it can be reversed or removed now that it has been paid in full and there are extenuating circumstances, i beg for your assistance if anything can be done, and i thank you, in advance, for taking the time to read this complaint ...
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| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
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Web |
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I contacted state farm XXXX VIA EMAIL XXXX XXXX to get the following Claims history all payouts claims Vehicle history Policies So I could review for any suspicious activity after pulling me credit on XX/XX/XXXX due to being denied credit and loan And researching transferred monies and notify them of my again identity theft XXXX was great she sent me the attached profile of my claims but she stated she needed to request the claims info details and where all the checks were issued addresses sent to etc to and who what dates and she would send me the I go asap Then she stopped communication XXXX with me all of a sudden after I requested why my XXXX XXXX XXXX claim was labeled closed.
I need the reason why this claim states closed Who closed the claim ( because I stated I would probably make a claim on it ) the prior claim is opened from XXXX I thought maybe they labeled it incorrectly ) and details and who the XXXX XXXX dollars worth of checks were sent because I did not receive XXXX XXXX dollars.
Also I need the list of all my vehicles due to my identity theft ( and my marital asset hearing coming up soon ) ) I reported XXXX XXXX XXXX and then to federal trade commission ) vehicles on my policy since existence XXXX for review for fraudulent activity.
State farm also put a insurance inquiry on my credit in XXXX under XXXX XXXX stating for insurance underwriting ... .no response ... they deny the inquiry .even though I sent it to them numerous times.
State farm XXXX Illinois finally after a complaint with the office comptroller and state insurance bureau a piece of paper with a single entry stating XXXX payment {$2000.00} that's it no reason for my claim stating closed or a copy of my vehicles and vin # s history and no copy of my policy at that time. I was with state farm XXXX XXXX since XXXX. And then in XXXX changed to XXXX state farm on XXXX XXXX XXXX XXXX va
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| 10/15/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.
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| 08/13/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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State Farm Bank has decided on XXXX XXXX to block access to my data accessed through the bank 's website. I manage all of my finances using XXXX by XXXX. See below for the email. I spoke with XXXX XXXX XXXX, at State Farm Bank on Saturday, XXXX XXXX. He said that this was a bank-wide policy, and there were unable to reverse their decision to restore access. He informed met that this policy change is being done to protect my information. The use of my information and the trust that I place in XXXX in my business. The blocking of my access to my information I have been harmed. I will be closing these accounts if this access can not be restored.
Here is the text from the email provided : You are receiving this email because you have been identified as a State Farm ( R ) customer who has a relationship with XXXX ( Finicity ) and XXXX XXXX XXXX XXXX ( XXXX ) provider ( s ) .1 State Farm works hard to stay up to date on the latest ways to keep your personal information secure. With that in mind, we 've decided to discontinue your XXXX provider 's access to your online account information as of XXXX XXXX, 2016. This means you will no longer be able to include any State Farm products within your XXXX provider 's website view.2 We apologize for any inconvenience this may cause in managing your financial accounts, but we believe it is the best way to ensure the details of your account with us are safe. Learn more about how State Farm keeps your personal information secure by visiting our privacy and security page.
You will still be able to access your State Farm policies and accounts anytime by logging in online using the button below. You may also access your account information on the go with our Pocket Agent ( R ) app, which is available for Android and iOS devices.
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| 01/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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In XX/XX/2018, I purchased a new XXXX XXXX XXXX and financed the transaction with XXXX XXXX XXXX XXXX ( " XXXX '' ) to obtain an additional discount on the vehicle. The loan did not have any prepayment fee or other restriction, so in XXXX, I refinanced the remaining balance due with State Farm Bank " SFB '' ), working through my XXXX XXXX XXXX agent that handles the insurance policy on the truck. I applied for the loan on XX/XX/2018 and SFB funded the loan on XX/XX/2018, sending a check to XXXX to repay that loan ( which was posted as payment in full by XXXX on XX/XX/2018 ). After my first payment of {$560.00} to SFB, due on XX/XX/2018 and posted to my account by SFB on XX/XX/2018 ( the date received ), I looked at my account on the SFB web site to see how the payment was applied. To my shock, SFB charged interest on the loan from XX/XX/XXXX ( the date I applied ) rather than from the date SFB funded the loan. I believe that this practice is illegal, and is certainly unethical. After several conversations with representatives within different levels at XXXX, XXXX refused to reverse this illegal accrual of interest. The amount of excess ( i.e. illegal ) interest accrued is {$37.00}. This may not seem like much but the result is that the principal of the loan is thereby overstated by {$37.00} and will be for each monthly payment for 58 months, resulting in substantially more interest than is allowed by law. In addition, nowhere did SFB disclose in the loan application that interest would accrue from the date of application. If SFB had done so, I would not have borrowed the funds from SFB. If SFB has done this to me, it is likely that SFB has done this to thousands of other borrowers who do not have the financial acumen to see that SFB is defrauding them as well.
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| 02/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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When I bought insurance from State Farm I was solicited to get their credit card. At the time, the " auto-pay '' was never established so the card has not gotten much if any use.
I called on XX/XX/19 to deal with a problem on my auto/home insurance billing. I was repeatedly transferred to the banking operation who insisted on verifying my identify requiring my full social security number. After the 7th transfer, and all manner of apologies, the last person took offense when I refused and hung up on me.
I sent an email complaining of the poor service and indicating I was considering ending my relationship with State Farm and asking for information on cancelling the card if they were going to continue to provide this poor service.
I never received a response to the complaint. I did however about 10 days later receive a form letter indicating they had closed the account " on customer request ''. I immediately called and indicated that we didn't want to do that. They have steadfastly refused to correct this, requiring a new credit " hard pull '' and a new application.
It is very difficult if not impossible to deal with the auto/home insurance customer service without being stuck dealing with the banking side. And I find the banking side to be extremely difficult, and in one case, rude to deal with..
On XX/XX/19 when I called, I spoke to a supervisor " XXXX '' who indicated he would get back to me on XX/XX/19. I never received a call back or any other form of communication. I followed up on XX/XX/XXXX, was transferred again 4 times to get to a 2nd level supervisor. I was repeatedly told ( by all 4 agents ) that they couldn't access my information because " that was a different department '' or " they didn't have access to that information '' etc.
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| 04/07/2017 |
Yes |
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Web |
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This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.
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| 02/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX.
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}.
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once.
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest.
As you can tell I am very upset and would like something done about this.
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| 06/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My XXXX statement for the period X/XX/17 to X/XX/17 included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for X/XX/17 . No prepayment was required and I had until XXXX day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On X/X/17 , I submitted a written dispute of the charge to State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted X/X/16 . State Farm Ban k did not acknowledge the dispute until X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering X/XX/17 to X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date. I contacted State Farm Bank via e-mail through their website requesting a full refund of the interest charged on the disputed amount. State Farm Ba nk did not respond to my request. In acknowledging the disputed , State Farm Bank indicated that it could take up to one year to resolve the dispute. I believe the have only two billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated XXXX stating the disputed has been resolved in my favor. However, State Farm B ank has not acted to refund the interest charged on the disputed amount.
|
| 10/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices.
The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports.
As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.
|
| 03/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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Our car was bought in 2017, XXXX XXXX State Farm Bank applied for the loan, and it has always been tied to our bank account for automatic payment. I suddenly stopped paying fees in XXXX last year, but my account has always been deposited with wages, so I didnt check it. Until XXXX the night before yesterday, a XXXX XXXX showed up and said that we had not paid the car loan for three months, and we had to drive away, or we would have to be towed away by a trailer. There was no choice. The bank is closed and no one can help us. My husband has to go to work during the day and feels helpless. The next morning we contacted the bank to pay off the car loan, fines, and towing service fees. When I contacted them to get the car at XXXX, the person on the phone said it was closed. But they said before that it was XXXX off work, maybe they want to earn an extra day 's storage expenses. My husband went there at XXXX oclock the next day and waited for an hour. The manager came over to open the door for a fee. It costs US {$220.00} to read the bill. My husband cant believe it. The storage fee is US {$75.00} a day, even for two days. Will charge so much. My husband was in a hurry to go to work. He just wanted to get the car back, so he paid the bill. When he went to pick up the car, he found that everything in the car was gone. The jacket, two cigarettes, the data cable ... were all taken away and kept. The officer denied, saying that he didn't know all the time, saying that it was useless to call the police. You didn't take pictures and there is no evidence.
The bank did not respond positively to us why the automatic payment was interrupted. Just say sorry. Credit may be reduced and affected.
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| 11/28/2016 |
Yes |
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Web |
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In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.
|
| 12/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.
|
| 06/18/2018 |
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
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Web |
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I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with State Farm Bank. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX confirmed the identity theft criteria, and XXXX has removed the XXXX XXXX accounts. XXXX XXXX and XXXX confirmed the identity theft and deleted the State Farm Bank account as well. Both XXXX and XXXX XXXX show my credit history as excellent. XXXX is being duped by State Farm Bank as they state that the fraudulent account is valid, which is a joke. State Farm Bank is in violation of the subscriber agreement they have with XXXX pertaining to accurate reporting. Each day that State Farm Bank carries this item on my XXXX report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if State Farm Bank continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
|
| 08/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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State Farm Bank is the biggest scam ever! In XX/XX/XXXX I canceled a credit card with them. Before canceling it I disputed a charge for {$12.00} and thought once it was disputed I would not owe on the balance. A few days later I check my State Farm app to be sure it is all paid for. The account is no where to be found on my app, so in my mind I must not owe anything on it. Months pass I get no bills from them, nothing on my app about the closed account. Around XX/XX/XXXX or XX/XX/XXXX i start getting calls from a odd number saying they are state farm collections, so i call there XXXX number to be sure it was them before i spoke with this number and they said that is not us, you dont owe us anything, and we only call from a XXXX number. Yesterday XX/XX/XXXX I get on to check my credit score it says i have 3 late payments, and i know i have never paid anything late, I look into and its from my closed account with State Farm. So i call to pay it and they said i owe them {$200.00}. After arguing with them about it they brought it down to XXXX, still ridiculous. For a {$6.00} missed payment I collected {$200.00}, in late fees for a balance I was unaware of because they failed to properly notify me. I filed a complaint and they still made me pay {$130.00}!! Total scam!!! And they also clamied To be sending emails to the wrong email for notices about the balance one that isnt even linked to my credit card account! I told them it was the wrong email so How could i know about the balance they didnt care! Nothing in the mail about this balance and nothing on my online account about it.
|
| 01/14/2021 |
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 |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 04/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I received an auto loan from XXXX XXXX XXXX in XX/XX/XXXX. I made all payments in a timely manner. I was in a car accident in XX/XX/XXXX, in which the vehicle of was totaled out. My Insurance Company XXXX XXXX deemed my vehicle complete lost and paid vehicle off. StateFarm Bank contacted me in late XXXX indicating that I didn't have gap insurance/loan protection. I explained that gap insurance was included in my purchase and my vehicle was completely covered. Their were able to to locate my policy protection and close out my account. After closing my account out, they then put a 60 day late on my credit report. I contacted them immediately and they were able to correct the problem and fix my credit. On XX/XX/XXXX, I received a credit alert that I have an open account with XXXX XXXX and I was 30 days late. This caused a 65 point drop in my credit report. I contact with XXXX XXXX again and spoke with a Representative that was very rude and explain that my account was closed at one point, but is now open for not paying XXXX dollars. I gave the representative history on the account and he became more rude and stated my pass doesn't matter I need to pay what they have owed on computer. I explained this was total lost and paid by my insurance. I have made numerous attempts to fix the problem, but all attempts have yielded no success and rude customer service. They never notified me of a balance on the account and never notified me that were putting a negative on my credit report. They are in violation of the following : FCRA section 623 and 605 ( c ).
|
| 05/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THIS IS A COMPLAINT AGAINST STATE FARM BANK. FSB I request your company to stop reporting an account that says it belongs to me, I request that the account that was opened without my permission and without my authorization be blocked from your credit files and collection systems and by Please stop reporting to credit agencies this account that hurts me greatly.
The account is State Farm Bank, Account Number XXXX The information contained in this account is being reported negatively in my credit report, I make it clear that this account is not related to any transaction made by me. Such transactions are the result of identity theft.
Please Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened under fraud. As you should know that it is illegal and incorrect for a fraudulent account to be reported and that it can not be verified because all the errors they have do not belong to me., I make it clear that all the information reported by my name and social security number related to this account. It is a fraud and that is why : I have the right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a police report and all the documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which states that
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.
|
| 11/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.
|
| 06/06/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?
|
| 02/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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in XX/XX/XXXX we refinanced our morgage from the 22years we would have had left of a 30 year morgage to a 15 year morgage and we went from 8.5 % interest to 5.5 % interest. the payoff or maturity date was XX/XX/XXXX to be paid off. this morgage is through state farm bank. XXXX XXXX XXXX XXXX , nj,XXXX there phone number isXXXX XXXX XXXX XXXX. In XX/XX/XXXX we filled out an application for a loan modification but when we got the papers we decided we didnt want to mess with our morgage so we never sign them or had them notorized. I still have all the paper work they sent us not signed. but state farm went ahead and did something that added 2 years to the end of our loan. now there saying the maturity date is XX/XX/XXXX, so the added 2 years to the turm of my loan which is going to cost us almost {$30000.00} dollars. we never got any money from them for nothing. in XX/XX/XXXX we got a 2nd morgage through XXXX XXXX for XXXX to do stuff to house. i keep writing and calling and faxing with state farm and they never give me what im asking for. like i wanted our payment history going back too XX/XX/XXXX and they send me it from XX/XX/XXXX. XX/XX/XXXX they sent me a letter saying there not fixing it. a statefarm bank lady told me to go to my county taxes and get a copy of deed and if its not on there it didnt happen.well i have the deed paperwork and theres no loan mod in XX/XX/XXXX on it anywhere. please help me with this or guide me to someone that can help us.
|
| 02/25/2017 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
I had a credit card account with State Farm. In XXXX of XXXX I paid off the amount that was due in full. I then phoned them to close my account and to confirm that I did not owe any more money. At no time did they advise me to get a pay off amount or to check back with them about possible further charges. I requested and received a letter saying that my account was closed. I heard no more from them, received no letters, emails or calls until today ( XX/XX/XXXX, 3 months after closing the account ), when I was phoned saying that I owed residual interest for 3 months! I kept asking to talk to someone higher up. Finally I got to speak to an individual named XXXX, who said that they would review the situation. When I said that I thought it was outrageous that at the time of closing my account and paying the balance in full, I was not advised that there might be further charges and I was not contacted for 3 months in any way while those charges accrued, XXXX proceeded to interrupt me and not let me speak. When I asked her to not to be so rude and let me finish my thought, she hung up on me. Not only do I believe I 've been scammed, but they were also rude to me about it! In a nutshell, should n't credit card companies inform you that you may accrue extra interest charges when you close your account and pay in full and secondly that they should contact you, at least monthly, to inform you that you owe them money, and not wait 3 months while interest accrues.
|
| 11/05/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I have XXXX certificates of deposit with State Farm Bank that I opened over two years ago. and each CD has a term of five years. When I opened them I elected to have interest automatically transferred to my checking account at another bank, since State Farm Bank has no branches and I already have bills paid out of another established checking account.. This was critical to me because I 'm a retired senior citizen and I depend on the interest from those certificates to pay my bills on a timely basis. I just received notice that State Farm will no longer credit the CD interest to my checking account, and they unilaterally decided to capitalize the interest on the CDs. When I called to complain, they stated that the only other option was for them to send me a check in the mail, or for me to open a State Farm Bank checking account. This is extremely inconvenient for me, as I would have to depend on the mail to receive the checks, can not depend on the date, and then I have to physically deposit the checks. All of this delays payment and I feel like they are trying to coerce me into opening another account at State Farm Bank. .If I had known this, I would not have opened the CDs there. They are changing the game in the middle and it is not right. I do n't know how they have the authority to do this during the term, as I have a contract with them to keep my money there and they should have to comply with my directions.
|
| 07/10/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American |
|
XXXX XXXX, the owner of State Farm in XXXX CT has been my life insurance agent for about 20 years and that is how long my IRA has been with him.
Late last year XXXX XXXX took over State Farm IRA/Mutual Funds and only the agent - not telephone or online - trading/withdrawals could be perform these transactions. XXXX told me he didnt go for training and he whined - maybe I should just move my IRA account.
I didnt know how to do that and XXXX messed up a transaction I have reported to all agencies and still no real satisfaction. I did recoup {$100.00} that he didnt have put into my checking account but when I discovered the $ error - XXXX did nothing to correct it. I had to go to XXXX and I dont know if they just took out more XXXX XXXX made 2 transactions for one simple {$500.00} cash request and messed up my IRA account.
After a full month of trying to rectify this, I went over to XXXX. I couldnt have XXXX do any more transactions and XXXX refused to admit his error - giving me less $ for a transaction.
I want the {$70.00} fee State Farm is charging me to transfer my IRA to XXXX refunded to me by State Farm. I have no access to my IRA $ which I need as a XXXX senior for monthly household expenses. This whole ordeal has left me without funds and its a real worry. I also have a XXXX daughter - its just the two of us.
XXXX told me he could not get my {$70.00} and to just report it.
Thanks for any help.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before.
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX and XXXX ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.
|
| 04/13/2016 |
Yes |
|
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|
Web |
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|
My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.
|
| 05/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a car and financed through State Farm Bank. I have been paying the loan in good faith for over a year. I went to renew tags and car was never registered in my State ( VA ) by dealer. DMV does have the car info. Dealer closed doors. Contacted State Farm Bank to ask for title and to see if dealer gave they the title when they funded dealer. State Farm Bank never secured the title or any info regarding the car from dealer. State Farm Bank just paid dealer for a lien/title ( product ) they never had. I even said I'd pay loan in full to give me the title, to hear from State Farm Bank that they do not have the title to my car and no other info regarding the funding or payment to dealer. I asked them how they funded dealer without title ( lien ) and they told me it is not their problem and I have to pay the monthly installments or in full. I asked them if paid in full how they will provide the title to hear that is not their problem and i have to pay the loan.
This is being investigated by the criminal division but meanwhile State Farm Bank demands payment on no collateral or no lien, title. I can't understand why, I have to continue paying for a product that they don't have title. This is fraud on their part as they are continuing receiving monies for nothing.
And since this is a criminal investigation, I have to lease a car to commute to work. How can a finance company or bank do this?
|
| 06/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a complaint against State Farm, for the abuse and disrespect of sending me letters to my house. Those accounts don't They belong, they are not mine, I made a complaint to close that account from your credit files, and what are you abusing and creating a climate of terror, which part does not understand? They are not mine, and I have nothing to discuss with you. I gave him all the necessary documentation, but I see that they are making fun of me, sending sarcastic letters to intimidate me. I ask that you please stop sending me letters with those accounts because they are not mine, and you are violating federal law, reporting open accounts under fraud and : I don't think what you're doing is funny. I request that you stop sending me, letters to my house, stop calling me. I ask that this be solved in the best way, if you continue to report those accounts under my name and send me collection letters, I will take legal action against State Farm for defamation, harassment, and reporting accounts under my name. I have a police report and an affidavit, I will file a complaint with the FTC and business bureau. And a lawsuit to collect accounts that were opened under fraud. If you want to talk something, you will have to do it with my lawyer. For the lawsuit that I am going to file against you. I wanted to take everything for the. Via dialogue, but abuse and disrespect can not tolerate it.
|
| 12/19/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}.
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER.
8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO.
10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER
|
| 01/30/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
|
I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate.
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment.
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place.
I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply.
I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies.
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''.
In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, STATEFARM BANK, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.
|
| 04/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}.
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI.
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount.
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX.
The words " SHORT PAY '' and your loan number must appear on the check.
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation.
Sincerely, Customer Service Department XXXX
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Creditor : State Farm Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( State Farm XX/XX/XXXX ) I contacted State Farm on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry.
I request that this inquiry is removed immediately. I have given more than the legal time for State Farm or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past.
Thank you for your assistance in this matter, XXXX XXXX
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I, XXXX, am a consumer who purchased from STATE FARM BANK ( SFB ) a refinanced vehicle loan with pay off protector or gap insurance. The Vehicle Loan Account Number is XXXX. This complaint is administrative and is filed with The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) based on the rules and procedures that allow quasi-judicial ( or administrative ) review of disputes involving banks and its account-holders, etc.
The facts are : Manager XXXX ( employee id ) or Manager XXXX whose employee identification is MLEK intends to not execute the pay-off protector connected my SFB vehicle loan ( acct # XXXX ) if the account goes more than [ 28 - 31 days ] without at least a minimum payment even where the car was reported to SFB as a " total loss " XX/XX/XXXX. And in so doing Mgr XXXX - would attempt to make me liable potentially for the remaining SFB Vehicle Loan balance of {$1900.00} plus. What makes this particular legal concern " extremely peculiar " is my personal bank account was unlawfully debited {$220.00}. plus on XX/XX/XXXX which leaves me without sufficient funds to make the final minimum payment plus on my XXXX LEXUS ES XXXX or minus any late fees.
In closing, please issue this complaint against SFB tomorrow which is the last date for the minimum monthly payment. SFB phone is XXXX ) XXXX.
|
| 11/27/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I want to file a complaint against State Farm Bank. State Farm Bank has placed XXXX 30 day late payment charges on my credit report when they should not have done so. The first 30 day late payment was placed on my report in XXXX of 2014. After speaking with more than XXXX customer service representative I made a payment which did not post that day ; it posted several days later causing the payment to be late. The representative provided me with the wrong cut off time, thus causing me to assume I could make the payment at a later time. Their payment posting system causes customers XXXX to lose several hours of payment posting time. I wrote a letter to State Farm and asked that they review the phone conversations with it 's representatives, which were several in number. They said they reviewed the calls but did not state whether they found the conversations. The second 30 day late payment came last month. The payment shows that it was made on a particular date, but they posted it on the next day, which is still not 30 days late. They posted a payment on the same date exactly one year earlier and did not place a 30 day late payment on my credit report. I currently have XXXX loans and State Farm is the only Bank that I have had issues with. I have been a customer of State Farm for 27 years.
|
| 06/22/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.
|
| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is a new complaint that was not resolved or addressed on XXXX On XX/XX/XXXX, StateFarm bank withdrew my mortgage payment in the amount of {$1200.00} and on XX/XX/XXXX StateFarm says it gave me back the money back due to insufficient funds. If there was insufficient funds, the payment wouldn't have taken 30 days to fail. You can see by the bank statements that I am providing that the XXXX payment came out, but was never given back. I informed StateFarm of the error and opened a case. I even provided them with all documentation requested including a track and trace from my bank. I did make a payment on XX/XX/2021 ( to cover XXXX ) and another one on XX/XX/2021 ( for XXXX ) just to make sure I didn't get negatively impacted during my open case. The XX/XX/2021 payment was not accepted b/c of the mortgage servicing transfer to XXXX. I was not notified about the payment not being accepted ( I did receive a confirmation from StateFarm for this payment ) until the transfer.
Also, I have been impacted on my credit report for a 30 day late XXXX Mortgage payment. This is not true b/c I made 2 payments in XXXX in order to not become delinquent during the claim I had in process with StateFarm bank. I would like to have this removed from my credit report.
|
| 03/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I already complained ( XXXX ) for my new vehicle loan from statefarm bank. But they are not correct my credit history yet. And ask me returned check copies to review But I paid I electronic bill pay at XXXX XXXX XXXX ( confirmation no. XXXX ) I attached it before, but I guess they haven't seen it ( below is last time complaints ) I bought a car and financed it XX/XX/XXXX. - statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. The customer service is terrible. I'm going to change the bank soon.
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a camper loan with state farm bank. Since I took out the loan I have been paying extra. Until recently there was no option to indicate principle payments. The app still doesn't have the option to designate principle payments. Each month I have made a payment including an extra amount for principle. On the anniversary of the loan they recompute the loan. When they do this some of the principle payments are removed and the extra payments are directed toward future interest. Last month I owed around XXXX. I paid XXXX and now owe XXXX on the loan. State Farm bank doesn't allow you to question any transactions older than 3 months even though they just recomputed the loan removing the principle payments. They said I have paid future interest through next XXXX. I was under the understanding when I took out the loan it was a simple interest loan. I always ask because I usually make extra payments. to shorten the term.
I need a complete audit of the loan to find out where the missing payments went and how they can justify removing my principle payments when my account showed them posting correctly the prior month. There is no recourse since SFB refuses to look at payments older than 3 months
|
| 09/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XX/XX/2016 I submitted a request to State Farm Bank ( SFB ) to refund fees charged to my mortgage balance in conjunction with a modification request ; the modification request ( deed in lieu ) was denied. I have been trying to sell my ( now non-primary due to a relocation ) residential property for 10 months when I submitted the request. SFB did not make it known that I would be charged fees for the CONSIDERATION of the modification during the modification application request process. Merely to be considered SFB charged me {$420.00} for a BPO Appraisal, a title search fee and a credit report fee. I feel that this process is misleading and applies even more of a hardship on borrowers who are seeking modification due to financial stress in the first place. Not only do I have the original mortgage balance but SFB has applied MORE due in fees and interest due to this. I am sure there are many other borrowers in my situation and if not many currently, there will be. SFB as of XX/XX/2016 still not responded to my ongoing requests for fee & interest refund. The last correspondence received was on XX/XX/2016 stating that management would review & send me a letter with their explanation.
|
| 06/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
First of all I am very grateful that State Farm responded about my identity theft case, but I have to make another complaint against State Farm. I understand that you tried to call me but I was outside the country so I couldn't respond but since yesterday and today I have called up to 5 times and all have lead to voicemail, I have left messages and nothing. But I don't understand why you give up after only two unanswered phone calls, either way what is there to talk about? I am a victim of identity theft and many negative things have happened to me because of it, there is nothing to elaborate. Do you not want to make the dispute or remove it, what is it? This accounts are not mine and never were I have no idea about any transactions with this account because this account is not even mine, end of story. I have made police reports, FTC reports, FTC affidavits, etc. I have done everything I can do as a the victim, all the information that is needed I will leave in this complaint. All the information needed that I can give is going to be and has already been given.
The following documents will be attached : The police reports FTC report FTC Affidavits Letters of blocking requests
|
| 01/31/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American, Servicemember |
|
I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.
|
| 05/24/2017 |
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/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX " XXXX XXXX XXXX ''.
|
| 07/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I believe this is a switch and bait situation. My initial application on XXXX/XXXX/0218 indicates the terms promised for an introductory offer. Upon receiving the State Farm Loyalty Rewards credit card for activation, it arrived with a different set of conditions. I could not make any inquiries until the activation was validated on XX/XX/2018. After that, I made contact with the personnel and I honestly could not make sense or understand any of their explanations and assumed the original terms where in order. Why was there an offer of one banking product given and a whole different one given? During the course of these situations, I have made several verbal inquires with account representatives regarding many other concerns.
I Respectfully, understand State Farms launch into the credit card banking business. So with that in mind, I submit this complaint. Additionally, I feel the personnel are incompetent with their notations and providing any historical facts.
Enclosed are all the documents I received which includes the application and documents received afterwards.
Thank you for your assistance in this matter, XXXX XXXX
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020, I paid a settlement amount of {$670.00} to XXXX XXXX XXXX for the debt amount of {$840.00} accrued with State Farm Bank. XXXX XXXX XXXX told me State Farm Bank is responsible for reporting to the credit bureau. I have filed multiple disputes with XXXX that have included an attachment of the settled account letter from XXXX XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020. The account still remains. I have tried getting a hold of the right people with State Farm Bank that can help me. I was always Transferred to someone who could not help me or transferred to XXXX XXXX XXXX which tells me my account has been settled and it is State Farm Bank who is reporting the information. On XX/XX/2020, I finally got some kind of answer from an employee of State Farm Bank. I was told the paid account would be reflected on the next credit cycle XX/XX/2020 based on information gathered from XX/XX/2020. This account was paid on XX/XX/2020. It should already be on my credit report as paid. Instead the company has continued to report derogatory remarks for the month of XXXX stating that I have a {$160.00} balance.
|
| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American |
|
To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years.
On XX/XX/18 I received a Visa credit card in my wife 's name.
On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days.
I can provide a copy of the credit card, account number, and date of expiration if necessary.
|
| 05/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
State Farm Bank , F.S.B . repossessed a XXXX XXXX XXXX in my name in XX/XX/XXXX from a residence in XXXX, TX. The car was sold at auction sometime in late XXXX.
State Farm Bank , F.S.B . has placed a {$5300.00} collection account on my credit report for the deficiency balance.
State Farm Bank , F.S.B . failed to provide notice of timely ( within 10 days of the repossession ) intent to sell, per Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614.
State Farm Bank , F.S.B . also failed to provide documentation of the sale price of the vehicle and the amount of the deficiency balance as required by Texas law.
According to Texas Business & Commercial Code Sect. 9.625, State Farm Bank F.S.B.s failure to comply with Texas state law vehicle repossession statutes entitles me to damages, which I am prepared to pursue through legal counsel.
I demand that State Farm Bank , F.S.B . immediately delete this collection from any and all credit reporting bureaus. Failure to comply will result in legal recourse against State Farm Bank , F.S.B . for violating Texas repossession laws.
|
| 07/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Hello dear Cfpb I am writing to assist me to fix this problem with state farm bank credit card. I made payments {$4900.00} and payment was returned because my bank wanted to verify payment. My state farm bank credit card was placed on hold and i received phone call from Bank Verification department agent her name was XXXX XXXX and she was asking me to go State Farm Agent office to verify my identity and since i am working i can not go to agent office, I ask her to give me other option to verify my identity but she refused and also she told me i can not make a payment and do anything with this account until i verify this account, I asked her can i speak to supervisor she also responded she can not ask her supervisor call me until i go to agent office. But its really important me to make payment because if i do not make payment my account will be late and my credit will be ruined. I have this account since very long time and i made from same bank many payments and all charges are valid and account is Valid. I am asking CFPB to assist me so i can make a payment to this account please. Thank you Very much
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| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been dealing with XXXX for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at XXXX Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report.
XXXX negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but XXXX refuses to remove accounts.
XXXX has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. XXXX is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days.
XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but XXXX refuses to follow the law. This is why XXXX is constantly getting sued because they are refusing to obey and follow the law.
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| 04/22/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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- Account opening, closing, or management
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Web |
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I opened a traditional IRA for {$6500.00} with State Farm Bank in XXXX XXXX, for tax year XXXX. The agent erroneously identified the account as a rollover. I did not notice the error until this year when I did my XXXX taxes. When I asked the agent to correct the error, she said it was too late and that I should instead amend my XXXX tax return. The bank offered to reimburse me for the nearly {$2000.00} in additional income tax, but not for any penalty or interest, nor for the additional tax I would owe for XXXX on the {$2000.00} reimbursement. I have repeatedly asked why the bank ca n't just issue me a form XXXX for XXXX, which I understand would cost them only a {$50.00} late penalty rather than {$2000.00}. To date, the only reason I have been given is that the deposit was " coded wrong. '' I do n't see anything in IRS regulations to prohibit issuance of a XXXX form XXXX now. To complicate matters, the bank decided to change the {$6500.00} IRA account I opened in XXXX XXXX, for tax year XXXX, as being for tax year XXXX. Any assistance you can offer to resolve this mess would be appreciated.
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| 12/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage company charged us 2 payments one week XX/XX/20 and XX/XX/20. We are on a bi-weekly auto draft with them. They did eventually refund the one payment but it took several days and put our account in negative for several days. I have tried to request the NSF charge of {$32.00} to be refunded to me from them several times and have still yet to get that refunded. Every time I call I'm on hold for at least 30 mins and usually the call takes up to an hour. Hardly anyone there knows what they are doing. I requested to speak to a supervisor and was told one would have to call me back. If one ever did call me back I never received a voicemail. We were supposed to have a payment taken out on XX/XX/20 and one still has not been taken out. I have tried calling the customer service line several times and after being on hold for about 10 mins I get someone's voicemails saying I'll get a call back and no one has ever returned my voicemail. Their service is horrible. I could manually make a payment online but I don't want to do that and then auto draft come out as well and it double charge us.
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| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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At the beginning of XX/XX/2018 I contacted State Farm to make an auto loan payment. It was too close to the payment due date for me to mail a payment in and State Farm 's online portal would not allow me to make a payment online. I then contacted them by phone to make the payment over the phone but the agent would not accept my payment. I was then forced to mail in the payment at which point State Farm reported a late payment on my credit.
State Farm made it incredibly difficult for me to make the payment on time and this should not have affected my credit due to their lack of ability to accept my payment.
I contacted State Farm on three different occasions directly to resolve this and they would not help and all agents I spoke to were either rude or unwilling to even try and resolve the issue. I used the credit agencies dispute process 1-2 times as well after that and State Farm still denied the claim and did not help.
I have 3 1/2 years of perfect payments on this account and this is the only payment that is showing late, so it should be clear that I pay this loan on time.
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| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account.
I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months.
I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment.
This now will negatively affect my credit score and his.
Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required.
I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement!
This is unacceptable. I should be informed about what is going on with my loan.
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| 12/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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I received a 2 pieces of mail sent to my home address dated XX/XX/19 from State Farm Bank with whom I have never done business with and do not intend to. Mail received said I had opened and deposited {$2500.00} into a checking account with State Farm Bank which was not authorized by me.Unauthorized checks were printed and delivered for this account. I had not had any contact with this bank. I do not have any other accounts with this bank. I do not have a signature card with this bank.
Received letter dated XX/XX/19 from State Farm Bank stating that address on the account has changed. New address is for another family member. Asked family member about this and family member is stating the bank made a mistake.
Contacted State Farm Bank on XX/XX/19 by phone using the number listed on mail received. Bank representative stated that the checking account is in the name of the family member that the address was changed to. I asked how this account was put in my name and was placed on hold. Bank representative was not coming back to talk to me so I ended the call
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| 05/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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This is the 2nd time I have had a problem with this company. I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX. The one I made on XX/XX/XXXX was to be applied as the XXXX payment. This State Farm credit card is such a sham. The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off. I currently have no card and no access to credit with them. I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy. The rep said she couldn't because I had already had one waived. I explained what happened. She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer. Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.
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| 01/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I sent the following letter over a month ago and got no response.
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents.
STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX
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| 01/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I have contacted XXXX numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called State Farm Bank nor gave anyone else the permission or the authorization to use my information. I have contacted XXXX to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. XXXX never conducted a proper investigation. I have requested their method of verification from XXXX and from State Farm Bank but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with State farm Bank is a result of mail fraud, please help me resolve this misunderstanding.
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| 02/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint.
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line.
I am XXXX and on fixed income and use XXXX for the legal side.
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment.
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.
I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.
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| 10/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a formal complaint on State Farm Bank Credit Card. I have been a customer of theirs for 10+ Years. I have trusted them at all times to resolve any issues and have always been great. I used my credit card to pay for a parking service in the XXXX ( XXXX ) Airport. While I parked there my car was broken into, items were stolen from my car. In person I tried to resolve the issue at the parking lot and they would not let me file a police report or a complaint. They would not let me out if I did not pay and my safety was at risk. My cost to replace my stolen spear tire and tools were {$480.00}. I felt I should not have to pay for parking in a lot where my security was compromised. State Farm has always been great and has promised to be good neighbor and protect its consumer. The representative stated rudely that it was not state farms problem. I was forced to use my credit card to get out of the lot. I used SF CC to pay since it was the only card I had with me and the only one I ever use due to the security it has always given me.
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| 05/10/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I opened a credit card with state farm, i should say my mother did but it was in my name and meant to start building my credit. Unfortunately, life got to my parents and i guess they used my credit card to pay for some things. Also, this was when I was XXXX and had n't dealt with bills or any kind of payments, they used my card I did n't. So, with that being said I did n't find out until later, about a year later I would say, that it was written off because they could n't pay for the fees and the total itself. Now I am struggling to get anything whether it is a credit card or a car loan or even a cheaper down payment on my apartment. If it is at all possible It would help me immensely for my credit. I am an honest hard working adult now, pay my bills on time, and am very responsible. It pains me that something so small is affecting my growing credit and halting my progress. I do not have the money to pay the entire amount, if need be I can pay a minimal amount but it would be a world saver for me if this could be taken off.
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| 12/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My vehicle is currently insured by XXXX XXXX XXXX and financed through State Farm Bank. I was involved in a head on collision on XXXX/XXXX/15. I 'm being told by State Farm Bank that if I do not make a car payment by XXXX/XXXX/15 I will lose my " Payoff Protection '' offered through State Farm. The collision was not my fault and XXXX XXXX XXXX XXXX has not yet evaluated my vehicle. Because they have not evaluated the car, I will now have to make a car payment for a vehicle that is not functional. If I do not make the payment, I will then be responsible for the entire balance owed on the vehicle. My complaint is not against XXXX XXXX XXXX XXXX, it 's against State Farm Bank because they are forcing me to pay for a vehicle that I can not drive or access, also, if I do not make a payment then I will be held responsible for the entire amount of the loan. The vehicle is totaled. It just has n't been officially totaled by XXXX XXXX XXXX XXXX due to restrictions of XXXX State Police because of the nature of the accident.
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| 09/05/2020 |
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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State Farm Bank.
So, I deposited a check in State Farm Bank for {$5000.00} on XX/XX/2020.
Then, they put my account on hold for a while, and around XX/XX/2020.
On XX/XX/2020 When I tried to use the account, my Debit Card was already blocked. So I could only use the account for 6 days, around XX/XX/2020. They Closed the account. Finally, they Officially closed the account on XX/XX/2020. I have never received any written statement letter. No account balance, withdraws/deposits were ever mentioned. Only 1 check came back for XXXX $ which they are denying to post electronically into my account. I have visited their Agent Office twice for Identification Purposes. THey want me to withdraw the check even though being aware that my License was recently stolen and due to COVID-19. the banks have been working slow. Please respond to me ASAP. Last time I spoke to a customer representative, they clearly said. Do whatever you want, we would not deposit any money. Cash the check only.
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| 10/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2018 I opened an account online with State Farm Bank. When opening the account I funded it with a deposit of {$500.00}.
On XX/XX/2018 I received an email from State Farm Bank that I needed to provide documents ( driver 's license and social security card ) in order to verify my identity. I provided these documents the same day via fax.
On XX/XX/2018 I received my debit card in the mail and was unable to use it. I contacted State Farm via phone and their online chat. I was informed that the account was not fully opened since they had not reviewed my paperwork. I was unable to access my funds. They said the matter would be handled by the end of the day. It was not.
On XX/XX/2018 I contacted them again. After speaking via chat to a supervisor the block on my debit card was removed.
However on XX/XX/2018 the block was put back on since State Farm claims the documents I sent them are not satisfactory. Once again I am unable to access the funds in my account.
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| 02/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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State Farm- On XX/XX/XXXX someone from State Farm pulled my credit report. I am a vicitim of identity theft. I called State Farm on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX.
XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX.
XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX )
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| 05/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1 ) State Farm bank is over charging me on my month payments amount I pay my own property taxes and insurance.
There is a escrow account for flood insurance which is XXXX a year Flood insurance account is all the escrow account was set up for.
They just paid the flood insurance the escrow account has a balance of {$3400.00} currently Loan amount {$400.00}. At 4.5 % =. {$2000.00} amount XXXX divided by 12 =XXXX So my payment should be around {$2200.00} a month it is {$2400.00} 2 ) They added two XXXX inspection fee They told me this was the make sure the property was not abandon we live there the pass 15 year We have never been late on a loan payment.
3 ) we had the same property insurance for 15 year they always CC me when they send the XXXX XXXX certificate out But State Farm in the 4 year they been our mortgage service provider They aways claim. they did get it even when you send it to the address Email address, and fax number they provide
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| 02/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I have homeowners insurance through XXXX XXXX. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but XXXX XXXX is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, XXXX XXXX has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???
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| 02/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I purchased a car from a used car dealership VIN # XXXX XXXX XXXX XXXX in XXXX NY on XX/XX/19. I paid {$7000.00} cash, {$3200.00} trade in and financed {$25000.00} through state farm bank.
I reviewed all state farm bank paperwork for the financing. In XX/XX/2019 I received the car title in the mail shows " two liens listed '' State Farm Bank and XXXX XXXX XXXX. I contacted the dealership several times and was told to check with the DMV for them to update. I contacted the other lien holder on the title and was told they can not release any information. I contacted state farm and they asked me to send in the title and then it was returned back to me.
All my loan documents show that state farm must be listed as the sole lien holder on the title. I'm not sure how this happened and what to do to get this resolved. I have tried XXXX, district attorney, the dealership, etc. I need my title to show state farm bank is the only lien holder.
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| 12/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.
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| 02/16/2017 |
Yes |
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- Closing/Cancelling account
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Web |
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I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.
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| 08/02/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem with fees or penalties
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Web |
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I am retired and am XXXX years old and do not receive Social Security I established an IRA account with State Farm Bank ( account # XXXX ) three years ago XX/XX/XXXX The account was a 3 year CD yielding 1.7 % annually Before maturity XX/XX/XXXX I called State Farm Bank to notify that I was not renewing the CD No recommendations were given to me at that time in early XX/XX/XXXX When Protective Annuity requested a rollover Directly thru State Farm Bank authorized by myself the account balance was {$140000.00} on XX/XX/XXXX at rollover to Protective Insurance Then State Farm only transferred {$140000.00} they claimed that the " CD renewed for a few days " and that {$3600.00} in penalties had been taken from my retirement Account I though there was an error After speaking with State Farm Bank these appear to be predatory penalties since most Banks charge 90 days interest if you break a 3 year CD which I have never done
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| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
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Web |
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I received an e-mail on XX/XX/2019 from my state farm agent who informed me the roadside assistance was being removed at my renewal. I used the roadside assistance 7 times in the last 3 years and because the average household uses it once every 3 years it is being removed. I was informed by this e-mail there is nothing that can be done to reverse the underwriting decision. I then received this information by mail dated XX/XX/2019. Both documents included the dates of my roadside claims. I was informed by my state farm agent that because the coverage is very inexpensive it would only save about {$1.00} a month with it being removed. The state farm agent did pend the records to check back in a years time to see if it can be added back on. I enjoy and rely on the roadside assistance and having it removed without a second option such as adding on a frequent use roadside assistance program is upsetting as a consumer.
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| 01/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I bought a car and financed it XX/XX/XXXX.
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit.
They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX.
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again.
The customer service is terrible. I'm going to change the bank soon.
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| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Hi, 3-4 years ago I had a credit card with State Farm and I recently checked my credit score and I saw something negative report on it from them. I called State Farm on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
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| 03/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I have had this credit card since 2008. For years I struggled financially to make my payments in full. Last month I genuinely forgot to make a payment of {$100.00}, and since I did not pay my balance in full I incurred a {$57.00} charge on interest. This credit card company charges you interest based on the amount of purchases you had in the month. I called to ask if they could waive the fee since it was an error on my end and I have never in the 12 years of having this card asked for an exception. They were very unwilling to help, they placed me on hold on for about 20 minutes trying to locate a supervisor. I was transferred to corporate. The lady ( did not write her name ) had no empathy and rapidly told me she can help me close my card since I shared with her that this card had no benefit to me due to the large increased interest charges. She did not care to listen to my request.
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| 10/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
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|
While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.
|
| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020 a check of {$4500.00} was delivered to there the State Farm Loan Mail a Payment or Payoff address as indicated on their website.
https : //www.statefarm.com/finances/banking/loans/resources/loan-payment-methods Around XXXX XXXX, i called them to find out why the loan was still showing a balance. I tried to explain to the lady on the phone that i had a tracking # and the delivery confirmation update of the payoff. She didn't even bother to ask me some informations as to what was the tracking # or what was the address it was delivered to. The only support i got was being told that they didn't have the check.
After insisting and trying to resolve this matter, she started to raised her voice and started to be rude. I told her that this was unacceptable, and I request to speak to a manager. But after being on hold for more than 20 minutes, I hang up.
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I have applied for a auto loan with State Farm Bank.
I currently have a auto loan with State Farm and the company denied the loan application because they are saying there is possible fraud in the past that is connected with XXXX XXXX. Then the agent agent asked me do I know XXXX XXXX. The agent said any car loans that I apply with through State Farm bank they will turn it down because my name, social security number is in the fraud department. I do not think this is right. My credit is credit worthiness and it is not legal for them to deny any loan that I apply for. I really feel bad that I am going through this situation currently. The company told me that they will never approve me for a loan, everything that I apply for will get denied, and I will not be able to get any banking loan approved no matter how well my credit is or how good my employment is.
|
| 05/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me.
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.
|
| 06/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Seeing my FICO score on XXXX 's free scoring model was XXXX ( list " as of XXXX XXXX '' ) last weekend ( on XXXX XXXX ), so I called to apply for a refinance.
The bank ran my credit ( thus reducing my score perhaps a little. ) They ( State Farm Bank ) quoted a score of approx XXXX.
I asked where they got the score. They said it was from all XXXX bureaus, and gave me scores of XXXX, XXXX & XXXX.
I called XXXX today and they could n't help to explain the discrepancy.
Their online number had been updated to a new date w/a lower XXXX of XXXX -- still close to the first one.
They referred me to XXXX 's Credit Bureau desk ( in XXXX? ).
There they said they could n't help, and told me to call the bureaus.
I called XXXX, circled through a few desks where they read their scripts, none of which offered any increased understanding or insight.
|
| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by State Farm.
After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My mother has a car loan through State farm bank. I am the XXXX of the will and the only heir to the estate. I was told to supply the death certificate and the court declaration documentation from the local courthouse showing that I am the XXXX of the estate. I supplied those documents. Now state farm back is requesting different documents. They are stating that the documentation I have is not correct. They want me to obtain a small estate document from the courts for this one asset. The courts will not let me supply that form because the estate is too large to use the documents they are requesting. I am at a standstill with the bank. I have requested a call from a manager. They have not called back to get this settled and I am unsure how I can proceed. This is the smallest bank asset and the only bank I am having issues with.
|
| 09/18/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I defaulted on repayment of a credit card through State Farm XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim State Farm is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.
|
| 06/06/2018 |
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 |
|
|
XXXX refuses to thoroughly investigate and delete fraudulent accounts from my credit report. XXXX also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with XXXX since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing XXXX for allowing these fraud accounts to remain on my credit report.
The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. State Farm Bank Acct # : XXXX
|
| 11/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent.
the process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.
|
| 09/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I cancelled my insurance months ago by sending written communication to State Farm ( both via their online messaging system and direct email ). This car insurance was as a result formally cancelled on XX/XX/2019. However, I have had payments paid beyond this date. I have asked State Farm to refund the extra payments, but they have failed to give me either a simple billing info or refund.
State Farm should understand thy should respect customers time. I have received numerous phone calls during working hours from multiple people trying to market their service, while I clearly responded back to them that I have cancelled my service and am not inserted. Instead of addressing my request to refund, they keep providing vague responses which is clearly disrespectful to customer demands.
|
| 07/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called on XX/XX/XXXX at approximately XXXX XXXX. The call was placed through my insurance agent at State Farm and she connected me to State Farm Bank. State Farm Bank informed me that the call was being recorded.
I informed the CSR that I had not been receiving paper statement and she said they don't send paper statements. I told her that is what I was calling about as I wanted to receive paper statements. She said I had to log into state farm online to receive my statement.
I again told her I would like to receive my statement via mail and she said " we don't do that. '' She said she didn't know any loan provider who would you with a paper statement. I told her that XXXX XXXX used to provide me with one and again asked for a paper statement and she said they would not do that.
|
| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
had health issues and was forced to retire from self employment. Tried to get a HECM but was turned down due to foreclosure being filed. Contacted attorney to obtain reinstatement amount and received letter giving amount as {$40000.00} to reinstate. The amount of attorney fees seemed excessive since I had obtained a modification in late 2015. I filed a qualified written request asking for a breakdown of charges. The letter I received back broke down these charges and almost half are from before the previous modification. These charges should have been paid at that time, not now. I would like to have a new reinstatement amount showing valid reinstatement charges sent to me so I can proceed with a request for either a modification or HECM.
All supporting documentation is attached.
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 06/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
State Farm Ban k has put a charged off credit card account on my XXXX credit bureau reports and I have written t o State Farm Ban k and demanded certain information to verify the account and the accuracy of the information they reported - They finally sent me a letter telling me that they will NOT provide me with the requested information - They will not allow me access to all account statements etc to be able to verify this disputed account - The XXXX CBR 'S will NOT remove the disputed account even though they have been provided the letter from State Farm Bank telling me that they will not provide any information that I have requested and legally should receive.
State Farm bank has continually violated m y FDCPA rights and my rights to fair billing and collections
|
| 02/04/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
As of XX/XX/XXXX State Farm Bank is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. State Farm is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted State Farm today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
|
| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.
|
| 09/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
State Farm Bank reported my car loan as 30 days delinquent when it was not 30 days past due. My payment is due on the XXXX of every month. A payment was made on XX/XX/XXXX. My payment for XXXX was due on XX/XX/XXXX, however the payment was delayed until XX/XX/XXXX. It was 17 days late - not 30.
I spoke with a customer service representative at State Farm Bank and was told that it should not have been reported as it was not 30 days late. I was told that there was no way for me to contact the credit reporting department within State Farm directly. I disputed the report with State Farm Bank directly, as well as XXXX and XXXX. The creditor continued to report the account as accurate and it now shows as a derogatory mark on my credit score.
|
| 08/22/2020 |
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 01/22/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I have a checking account with State Farm Bank that earns interest on the balance in my account. I pay checks with their online checking service. Some payees, like a utility company, are sent their checks electronically. Other payees get their checks by US mail. On the day that State Farm sends the check, either electronically or by mail, my account is debited. This procedure is unfair because the checks sent by mail may not be received by the payee for several days and the payee may not deposit the check in their account for credit for many more days. This means State Farm has used my money for a lengthy period of time between the debit to my account and the credit to the payees ' account and I have lost interest during that period.
|
| 03/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I sent you a complaint against STATE FARM BANK. Yes, you may say this is a duplicate. I have tried call them to discuss the issues. I have been on hold for over 30 minutes after recoding said 6 minute wait.
I don't I don't have {$340.00} past due. I don't have this amount due as payment.
They need to credit the FRAUD charges and re-evaluate amount due. There is a new charge for XXXX {$17.00} I told them when XXXX was removed not to allow auto bill from this company. They did allow this creditor XXXX called them again to credit this back. They charged two different card for this one charge. This card should have never been charged XXXX explained that to you in 2018 If not I won't pay another dime and will file CHAPTER??
|
| 04/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XX/XX/XXXX My vehicle which was bought in XXXX was refinanced by State Farm Bank, I do make my payments electronically without any skips and after finishing my payments last month, this Bank has brought another bill of {$2500.00} to pay because the price of the vehicle is different from the place where it was financed which doesn't sound right .All the calculations were done by you the financiers and I'm suppose to finish my payments last month so why should they bill me extra and where is this money going?
Moreover they're asking me to pay it within a specific time frame other than that they're going to add an extra 9 % interest to it .I feel very bad for this Bank because what They're doing doesn't sound right to me.
|
| 07/19/2018 |
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 |
|
|
State Farm Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on the same day. I did authorize only one inquiry for a car purchase at a dealer and only one not two. The second inquiry was an unauthorized hard inquiry to my credit. The date of the inquiries is XX/XX/2017. I called State Farm Bank and got nothing more than a run-a-round by their customer service representatives on multiple calls to them on this subject by myself to them. This action by State Farm Bank is an unlawful unauthorized hard inquiring to my credit and I demand these hard inquires be removed immediately. That is the reason I am making this complaint.
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I had a loan with state farm bank I had to volunteer give up the car because a mechanic messed up my car with repairs and I spent over {$2000.00} to repair more problems continued and I saw no sense of making payments on a car that isn't working. I voluntarily gave up my car. In 2019 state farm bank call me everyday harassing me and I had to tell them to stop calling me everyday harassing me before I sue them for harassment and they continued to harassing me by sending notices about the loan. On my credit report, they put charge off notices for a whole year. Last year year they closed my account. XXXX of this year, they sold my information to a debt collector after state farm bank closed my account last year.
|
| 12/27/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/13/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place
|
| 09/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book
|
| 12/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I sent my original dispute to state farm bank for an unauthorized account being opened in my name. State farm forwarded my complaint to XXXX XXXX XXXX that bought the debt from state farm bank. On XX/XX/XXXX. XXXX I mailed another dispute letter directly to XXXX, XXXX completed its investigation into my fraud claim, ruled it in my favor, closed out the account at a XXXX balance. To date State Farm Bank will not remove this account from all three credit agencies which is in violation of my due process rights.I 've been XXXX at XXXX XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX. And I gave them the opportunity to resolve my issues but it fell on deaf ears.
|
| 12/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
The loan application started and I received my 1st loan closing fee XXXX/XXXX/16 {$4500.00} 2nd loan closing fees XXXX/XXXX/16 {$3600.00} 3rd loan closing fees XXXX/XXXX/16 {$4100.00} 4th loan closing fees XXXX/XXXX/16 less then 24 hrs for the last {$5300.00} It has been 93 days and the loan is still not closed, now we have a closing set before the of the year and the fees keep going up and up They stated that ant fees would be around {$300.00} now {$800.00} The answer was they were, backed up, they were not backed up when XXXX to pay upfront fees of {$450.00}.
I gave them everything they wanted since day XXXX and it took over 100 days to process and fees keep going up and up
|
| 11/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.
|
| 03/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by State Farm insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, State Farm is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that State Farm is responsible for my claim. I am not responsible for this balance because payment was made to XXXX from subrogation of State Farm. The damages handle between the two parties was based of the information submitted by me to XXXX
|
| 05/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I was a victim of a credit card scheme and I reported fraudulent charges and payments on my card. After being heckled into it and harassed I was told I still owe double the balance on the card. In addition to that my account was closed due to the charge and I was sent a misleading letter to settle the account only to be bombarded with late fees and other charges when I called. When I asked why wasnt I notified on previous calls or sooner I was told I should have received emails. Even though up to the point of the call I had not received not one call, email, text or letter in regards to my card until after I received a letter to settle my account balance.
|
| 01/10/2020 |
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 |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
State farm bank has a ten day grace period before a late fee is charged. But each time I go to the website, the late fee is applied the before the late payment is due not the late due date shown on their payment coupon. I've tried to correct this time and time again. One time, I sent in an extra payment, they applied a late fees to that. My payment is due on the XXXX but according to the coupon, late fee is not assessed until the XXXX, XXXX and sometimes as late as the XXXX of the next month. However, when you go to pay, the late fee is there on the XXXX of the month. I'm now faced with paying these erroneous fees to get my car title. It's frustrating
|
| 11/28/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.
|
| 07/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was lock down overseas due to Convid-19. my StateFarm account was charge with unauthorized amount {$50.00} by merchant company called XXXX a merchant account that is closed. The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX.
New ( XX/XX/2020 Tried to dispute XXXX charges but StateFarm agent XX/XX/2020 couldnt see any transactions in the closed account tried to get a specialists tried but couldnt get hold of one I wish to have XXXX account to be reopened and XXXX reporting information removed entirely from XXXX database
|
| 04/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/2021 I received a letter from XXXX, XXXX saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from State Farm Bank , F.S.B . I Wrote XXXX a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. XXXX told me to contact XXXX XXXX XXXX for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either XXXX of these companys when I am asking for validation.
|
| 01/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
did not receive statement from Statefarm credit card for over 6 months and had trouble on and off with their website for over 2 years ( login in ). I XXXX the balance on the card. Had a recurring payment I did not know about. As a result of getting no statements electronically via email or postal mail I was unaware of the {$50.00} balance. Henceforth I was 3 months late and only found out when I received a letter in the mail closing my account for delinquency. These late months were reported to all credit agencies and negatively affected my credit score impeding me from taking loans, doing credit card transfers and buying a house.
|
| 04/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have a mortgage through State Farm Bank. The beginning of the year they started generating mortgage statements/coupons on the XXXX of the month. Since then every month it takes XXXX 12 days for it to reach us. Our mortgage is due on the XXXX of the month, so the document reaches us about XXXX3 days before our due date. I have called & spoke with XXXX supervisors who basically say there is nothing they can do. When I have requested duplicate documents from the same location they ALWAYS arrive within 4 days. Is there something you can do so that we receive our mortgage payment coupon AT LEAST 10 days before our due date?
|
| 11/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, STATE FARM BANK, F.S.B add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 03/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Asked information regarding the rates. Gave credit score, year of vehicle, make and model, loan amount, loan length, salary and was told 3.44 % was the rate I was QUALIFIED for. When I did the application, the rate I was given was 8.64 % ( almost 3x ). I attempted and contacted my agent and State Farm bank to get to the bottom of it, but was told I would get a call back and received nothing. Once I got a hold of someone they refused assistance and I was told I accepted the application and what it entails. I was completely mislead and would have not applied if I was going to get an APR as high as 8.64 %
|
| 12/22/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.
|
| 08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
To whom it may concern, State farm has a late reporting to my report XX/XX/XXXX and this information is incorrect. I called and spoke with a represenative she assisted me and said this was a mistake on state Fram system and that the reproting incorrect infomation would be deleted off the report. It is still showing late. The account was openedXX/XX/XXXX. The account was paid off in full and never used State farm closed the account its balance has been {$0.00} for 3 years. Its limit is {$6000.00} and its high balance was {$5900.00} in XXXX. The report was never updated as promised by State fram bank.
|
| 08/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with STATE FARM BANK , F.S.B . I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and STATE FARM BANK, F.S.B with no successful resolution. XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX, XXXX, XXXX )
|
| 03/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
For over 4 years I have had an ACH set-up to take my payment. State Farm Bank recently took back the servicing of the loan and removed my from ACH. They did this because of a chapter XXXX that was filed almost 5 years ago and is set to discharge in XX/XX/2018. To make it worse, they stopped ACH and I rec 'd only a couple of days notice before payment is due. This is about as poor of a job as a mortgage company can do to help a consumer. All they had to do was nothing. The payment would have continued to be received automatically for years to come. Very disappointed in State Farm Bank.
|
| 05/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XXXX of XXXX the XXXX XXXX 2007 which was financed with State Farm Bank, was involved in an auto accident in which the vehicle was totaled. A final payment in XXXX was required in which is was paid timely. the total of the loan was then paid off through insurance with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( the other party at fault, company ). State Farm Bank is continuing to report that I was 30 days late on payments for XXXX and XXXX of XXXX. This is inaccurate as the vehicle was totaled out and loan was paid off in XXXX XXXX they are refusing to remove from credit report.
|
| 12/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
On XX/XX/2018, I received an e-mail about opening an " account '' with State Farm Bank. I promptly called my local State Farm agent ; they promptly notified their office. I had a very pleasant phone call and they said they would block any and all attempts to open any kind of account in my name. That was for account : XXXX.
I received an important notice regarding another ( different ) account opened in my name at State Farm Bank. This was dated XX/XX/XXXX for an account ending I XXXX.
Whatever State Farm said they were going to do, either they didn't do it or it didn't work!
|
| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have spoken with State Farm Bank four times in the past 11 months about the same issue. They are not sending my mortgage bill to me for payment. Everytime I speak with someone they say they are going to fix the problem but it doesn't get done. I have happened to remember to pay the mortgage a few times without receiving a bill from them. Then, around the middle of the month, I'll receive a late notification in the mail. I am totally frustrated with this and I'm tired of having to waste time calling them time and time again to request the bill be mailed to me so I can pay it.
|
| 03/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
State Farm has been refusing to remove PMI from our mortgage. We are now below 78 % and they continue to require it. They are not honoring the Homeowner 's Protection Act of XX/XX/1998 which requires automatic cancellation on the first day of the first month of achieving a 78 % LTV Loan to Value ratio.
There are no limiting factors applicable in our case, such as late payments, the loan is current, the property has been improved with other structures so there is no concern regard devaluation.
They are refusing because they can. There is no justification.
Please help!
|
| 11/22/2016 |
Yes |
|
|
|
Web |
|
|
Hi i am XXXX XXXX, i applied for a credit card at state Farm and the card was send to me and ship back to state farm cause i have moved, so since then i have been calling state farm and send the faxes and even mailed them documentations for proof of addres but the still have not correct the address and send me the card, but they already charged me XXXX $ for mantanace fee and report it to the credit bureau afecting my credit negatively, i already pay the amout but it still refleck on XXXX like credit card utilization, i dont know what else to do and i need help please.
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
|
| 02/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I am the executor of my parents ' estate. A mortgage on their home in XXXX CT was paid off 5 years ago, but never properly recorded on the deed. Numerous attempts to contact the lender, State Farm Bank, have been fruitless. They do not answer their phones or return calls. I called their corporate office, but can not get through. I have written to the CEO, XXXX XXXX and received no response. The property is currently under agreement for sale and I need to expedite the release of the mortgage.
Please expedite this request.
Thank you, XXXX XXXX XXXX MD XXXX XXXX
|
| 04/06/2016 |
Yes |
|
|
|
Web |
Older American |
|
State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.
|
| 02/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.
|
| 11/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a state farm checking account. I did send a check to them for deposit on XX/XX/XXXX. The check was verify that had funds and valid checking account. I checked if state farm recieved check which they did and process through on their end and did send cancelled check to the bank on XX/XX/XXXX. I went to make a bill pay on XX/XX/XXXX and state farm disabled my log in. They had to check with someone and call me back. No explanation. Funds were there one day and not there the next. The check I deposited had funds and is valid into my state farm account.
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been dealing with this issue with XXXX since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX Account # : XXXX 2. STATE FARM BANK Account # : XXXX
|
| 07/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.
|
| 02/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Older American, Servicemember |
|
For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.
|
| 01/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
An unauthorized charge was made by XXXX XXXX XXXX the insurance company XXXX from my escrow account associated with a mortgage account on XX/XX/XXXX in the amount of {$530.00} dollars.
I contacted the agent right away XXXX and XXXX more time a couple of months later inquiring the progress ), and the agent acknowledged the error and agreed to fix it. However, the refund still has not been issued back to me XXXX or credited back to my account XXXX as of today, XXXX XXXX, XXXX, causing my escrow account to be in shortage for months now.
|
| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I closed my State Farm credit card account and they charged me the interest of {$42.00} after I made a payment for the full balance of the account. I called them about this fee and they said they would reverse it with 7-10 business days and it has been a couple of months and they charged me additional fees which now totals {$220.00}. They also reported my past due to the credit reporting agencies. This is absolutely unacceptable. When I call customer service, they stated would take of care it and it's still not corrected.
|
| 07/26/2020 |
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 believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a dispute with State Farm Bank and the CFPB closed the complaint when the company did not resolve the issue nor address the issue at hand. State Farm simply denied looking into my request and stated that there was no issue. If you search under State Farm Bank complaints online you'll find no less than 1000 complaints of similar nature to mine. This has greatly affected my credit and my ability to get good loan terms. The next step will be law suits against State Farm and the involved Credit agencies.
|
| 01/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
State Farm Bank whom I had an home equity loan with once I paid the loan down to % 20-25 in late lump sum payments I told them I would receive and did from XXXX XXXX XXXX benefits. After the 1st portion of the settlement and 1st payment I was sent to credit reporting agencies for the reminder ( the % 20-25 ).
Since being reported and I believe that they wrote the debt off filed claims or taxes on the debt Years later I have received threats of foreclosure for the whole original debt of the entire loan.
S.o.s.
|
| 05/04/2020 |
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 |
|
|
To whom it may concern, I received a notification from my credit monitoring service that I had a negative account reflecting on my credit report. So after I inquired further, I noticed this account from State Farm Bank. I never opened nor applied for this account. I contacted the Bank and the credit bureau 's and neither of them wanted to help assist me with this issue. I filled the necessary police report and FTC report with the credit bureau 's and still nothing changed, so now I'm seeking your assistance.
|
| 02/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
" State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.
|
| 11/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
Statefarm and XXXX XXXX has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous XXXX report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove XXXX report because it violate all forms of medical laws by leaving it there
|
| 11/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
This bank has discriminated against me first I receive a letter they need to verify my identity I send the documents to XXXX XXXX and by mail I call them and let them know if they got it they said yes then I get transferred to different department and a man which I spoke to was very rude To me and said its declined due to bank policy I said I dont understand its me Ive sent the documents as requested whats going on he refused to Help me and hung up on me very rude bank and very rude security department
|
| 02/28/2019 |
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 |
Older American, Servicemember |
|
I was hospitalized and late making payment {$170.00} due XX/XX/19 I paid XX/XX/19 late fee {$27.00}. ( I ask the bank to waive ) XXXX statement charge of {$370.00} XXXX isn't my charge. I didn't make this purchase. I wrote and disputed this charge, XXXX I subtracted that fraud amount {$370.00} and I paid {$150.00} XX/XX/19 I received a letter today saying I have XXXX PAST DUE.
This isn't true I have XXXX past due on this account.
My account is current {$170.00} Paid {$150.00} Paid {$370.00} DISPUTE
|
| 10/15/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX and STATE FARM BANK with no successful resolution. XXXX XXXX XXXX XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.
|
| 06/06/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!!
I have tried many times to get some ressponse from them but State farm is not responding!!!.
|
| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from State Farm Bank # XXXX Sold to XXXX collection Agency. On XX/XX/2020 XXXX completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.
|
| 11/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
State Farm Bank refuses to provide me with proof that my rights have not been violated. I will not be paying for something that I did not open nor authorized. This is a fraudulent account which needs to be deleted, removed and blocked from my XXXX credit report. I spoke to someone last month and she was supposed to have sent me a letter on steps that I need to take in order to get this matter resolved but I never received any correspondence on how to delete and remove this account.
|
| 01/13/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
State Farm Bank is reporting a late payment on my credit. The problem is when paymets are made or due they can be seen online. The amount due and dates are not displayed and online statements are not available. I was told " that because my loan was considered a modified loan it is not treated the same as other loans and that access is not like their other loan. My compliant is that my credit shouldn't be impacted because of the problems and access in their internal systems.
|
| 06/15/2018 |
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 |
|
|
XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since XX/XX/2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score. Also State Farm Bank put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
|
| 11/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Please delete Accounts information with missed payments on XX/XX/2014. From State Farm ( credit card ) Data in the system is correct.
but I have never had problems with payment before I have never had problems with payment later It was the only time.That time I was in XXXX and I really did not have the chance to make a payment on time, I'm really sorry but spend already a couple years but this still hurts My credit. Please be a good bank and remove this information
|
| 02/10/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.
|
| 06/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a {$710.00} amount that is showing up on my statement as past Unpaid amount. I have sent four emails with a request for an itemized statement for those charges. I have asked for the dates, amount and why to no avail. I keep getting short answers that does not answer my questions. Its like some one do not want to take the time to get me the info. If they cant provide me an itemized statement, they need to remove those charges.
Sincerely XXXX XXXX
|
| 12/02/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR STATE FARM ( XXXX XXXX ) STATE FARM has denied this.
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe
|
| 12/28/2018 |
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 |
|
|
XXXX has been non-compliant with removing the unverified account STATE FARM BANK Date opened XX/XX/2016 which has been deleted by XXXX and XXXX XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 07/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I allowed XXXX friends to have their tax refund direct deposited in my account as they had no account. The IRS allows XXXX to an account. They were received and given to the individuals. Then State Farm Bank decided to close my account which still had a balance of a little over {$1600.00} claiming they suspected fraud. I called and verified my information and the still decided to close the account. How do I get my money from State Farm Bank?
|
| 09/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.
|
| 12/28/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had applied for a loan modification to State Farm Bank. After the agreement to modify said loan was agreed on. I made the initial payment and XXXX more payments with no problems, While attempting to make pmt # XXXX the Bank refused to accept. I an in litigation now and recently found out that the Bank had put in a claim to the Title Company and were paid off.
I need this problem solved iut is affecting my credit report.
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account STATE FARM BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 10/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE FARM BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX.
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker.
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX.
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XX/XX/XXXX
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
|
| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for a loan through State Farm Bank XX/XX/XXXX. I have since provided all the required documentation they 've asked me for. I also paid to have an appraisal on my home. I locked in my rate for 60 days.
Now, I am on my second appraisal, my lock has expired a few times and I have had to re-end them additional documentation and still do not have answer as to whether my loan will close soon or not.
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX.
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker.
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX.
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XXXX
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
had my phone hacked into tried to call STATE farm to get transaction history they didn't want to provide information after asking for the REP 5 times all I wanted with transaction history. She was so rude to me i couldn't get what I wanted or even any part of the transaction Tried to close account just in case it was hacked but at this point, I don't know what on my account b/c of the above incident
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
someone has access to my personal information and is ruining my credit by making outrageous purchases. i have no knowledge of what or who this could be. i lost my bags in the airport summer of XXXX going to Florida ever since it seems I've had problems in my life.i also filed a report with the FTC yet these companies refused to remove these fraudulent erroneous items from my credit report.
|
| 03/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.
|
| 10/11/2016 |
Yes |
|
|
|
Web |
|
|
This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.
|
| 08/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks
|
| 02/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I recently refi my home to pay off all my bills the closing lawyer contacted all the credit card companies to get the payoffs and the dates I then sent the checks with tracking numbers to state farm bank and it was a over payment of around XXXX dollars. State farm then charged a additional interest charge on top of the payoff amount they had given to the closing lawyer.
|
| 03/14/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX and XXXX in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX and have received the same response as the accounts have been updated or remains.
|
| 08/07/2017 |
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 |
|
|
I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX
|
| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
State Farm Bank has had incorrect contact information for me for years, making it so that I have NEVER ONCE been contacted about any past due payments, collections, etc. The company has also been giving my financial information to another person without my knowledge or consent. I contacted them to update my contact info over a year ago and nothing was changed
|
| 12/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
2 Years ago, after settling with modification. Agreement was made to pay XXXX per month instead of {$850.00}. This month the loan got sold or transferred to another provider, with out us knowing. The amount We paid in a two year period was never applied to balance. This bank deceived me into paying XXXX knowing they would sell their note to someone else.
|
| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
State Farm Bank is enticing their clients by promises of Visa gift cards, which might as well be considered cash due to them being accepted everywhere. This is rebating and is highly illegal. They are essentially " bribing '' their customers to finance with them over another lender even though the other lender has a better rate or program available.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It was in Texas, someone had open an account in State Farm bank to purchase a vehicle using my name. I had never done it, I'd report it to the local police and it's still under investigation. I am a victim of Identity theft, and I am disputing this because I did not open this account to purchase a vehicle. Currently I do not have any open auto loan.
|
| 04/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was lock down overseas due to Coronavirus pandemnic my StateFarm account was unauthorized charge {$50.00} by merchant company called XXXX a merchant account that is closed.
The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX
|
| 07/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX XXXX XXXX XX/XX/XXXX University XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX did a unauthorized Inquiry to my credit report. the address of XXXX XXXX XXXX XXXX XXXX, Il. XXXX I have contacted XXXX fraud department, and called each company and this has not resolved anything, I've sent them letters as well.
|
| 01/04/2016 |
Yes |
|
|
|
Web |
|
|
State Farm Bank deducted a {$100.00} payment from my account twice for XX/XX/XXXX. I have tried to contact, but they have refused to answer any attempt to reach them ( despite their website stating that they will respond within 2 business days ). I have contacted them at least three times, and they are just plain and simple ignoring me.
|
| 10/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently reviewed my XXXX credit report and I was totally shocked to find State Farm Bank has reported a fraudulent account on my credit report. I am requesting for State Farm Bank to delete and remove this account immediately from its system as well as my XXXX credit report or legal actions will be taken against your company.
|
| 08/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Was signing up for renter 's insurance with State Farm and she mentioned a reward points program, but never mentioned signing up for a credit card. She automatically ran a year 's worth or renter 's insurance to the new credit card. I just wanted to pay with the XXXX card I already have, never wanted to sign up for another card.
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
|
| 08/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I have made charges my State Farm Bank XXXX Credit Card of XXXX. I contacted my credit card company to inform them that i am going to make partial payment of XXXX, I have request information on what my interest charge would be on my balance and there employee XXXX I.D . # XXXX said they could not give me that information.
|
| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, credit report, etc. The accounts are attached ( State Farm ), ( XXXX ), and ( Fair Collections original creditor is XXXX XXXX ).
|
| 05/27/2015 |
No |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
|
| 04/22/2020 |
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 VICTIM OF AN IDENTITY THEFT, THE THIEF HAS OPENED A CRAUDULENT CREDIT CARD WITH STATE FARM BANK USING MY PERSONAL INFORMATION, THE CHARGES ARE FRAUDULENT, THE CREDIT CARD IS FRAUDULENT. I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX AND TO STTE FARM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
|
| 01/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
this was a fraud account opened back 2014 by state farm bank with fraud balance {$5000.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has reported fraudulent information in reference to my credit history. State Farm Bank ( credit card ) has myself listed on the credit card as an " authorized user ''. XXXX will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX XXXX and XXXX. I have filed a complaint with the state insurance office who regulates XXXX XXXX XXXX and have a bill from State Farm and the car company thats says I owe XXXX.
|
| 10/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.
|
| 12/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/2012 and XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 07/23/2020 |
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 |
|
|
State Farm Bank insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the State Farm and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
|
| 12/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 09/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been with this card as a good payer well over 3 years starting in XX/XX/2017 never have been late and do to payment error from their end I was hit with a late payment and my credit dropped drastically.
I am trying to purchase my home and this late payment unfortunately isn't helping.
|
| 07/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
StateFarm bank told me that they would remove the late payments on the loan due to that we had paid the loan months in advance and we didnt know that it went into principal it was a misunderstanding and was told that they would remove the late payments from the credit bureau but still nothing
|
| 10/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am requesting that State Farm Bank remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by State Farm Bank. Please remove this fraudulent account immediately from my XXXX credit report.
|
| 07/28/2020 |
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 VICTIM OF AN IDENTITY THEFT, AND THE STATE FARM BANK ACCOUNT WAS OPEEND FRAUDULENTLY WITHOUT MY CONSENT, I HAVE BEEN SCREEMING XXXX XXXX FOR SO LONG I AM JUST TIRED OF THIS UNFAIR APPROACH TO CONSUMRS, THIS IS JUST RIDICULUS THIS ACCOUNT IS FRAUDULENT THE CHARGES ARE FRAUDULENT.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
State Farm responded back stating that they have no record of an inquiry and sent mail asking for more documentation. I find hard to believe they are asking for some that I would have and this is the reason for my compliant. I will attach the inquiry that remains on my credit file.
|
| 12/08/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
MY XXXX MTG COMPANY HAS BEEN RENEWING MY MORGAGE OVER AND OVER AGAIN, THE LAST TIME ON A ONE YEAR BASIS AND ASKS FOR EXCESSIVE CLOSING COSTS OVER AND OVER AGAIN. THEY CONTINUE TO REQUEST NEW APPRAISALS ON A LOAN THAT IS OVER TENS YEARS OLD.
I THINK I 'M BEING TAKEN ADVANTAGE OF.
|
| 11/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
My car loan has a monthly payment of XXXX per my agreement. I have made my payment for XXXX 2015 of XXXX. The company has demand and additional XXXX immediately has threatened to negatively impact my credit. I pointed out that my agreement does not stipulate any balloon payment.
|
| 10/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?
|
| 07/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
none of the credit bureau have my number on the fraud alert XXXX aslo state farm is not showing on my get credit with XXXX it showed before and XXXX XXXX also XXXX XXXX taking more than 30 days for my dispute and XXXX wont let me look at my credit even when i tried paying
|
| 10/31/2017 |
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 |
|
|
This is a complaint against STATE FARM BANK. INQUIRY DATE : XXXX XXXX I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
|
| 07/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My payment was due on XX/XX/XXXX and I made the payment at around XXXX MST. However, I was unaware that the payment needed to be made by XXXX XXXX Eastern Time, and I live 3 hours behind. Now I was charged a {$38.00} late fee which State Farm Bank refused to waive.
|
| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Please delete Accounts information with missed payments on XX/XX/2014. Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX.
old information destroys my credit score, please delete this information
|
| 03/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.
I did not open an account with State Farm Bank.
|
| 04/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
State Farm continues to robocall me about an autoloan my father took out on his own. I am not affiliated with his loan and have asked them to stop calling me. I receive at least one robocall a day from their main number, and 1-2 robocalls from spoofed numbers.
|
| 01/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney.
I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job
|
| 11/22/2017 |
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 |
|
|
I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017. Never heard of this company!
Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
|
| 09/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
The company reposessed my vehicle, XXXX XXXX XXXX XXXX, the day I joined the XXXX XXXX, XX/XX/XXXX. I was unable to respond to the repo. I now have a charge off on my credit report and a balance of $ XXXX. I fall under SCRA laws and entitlements.
|
| 02/07/2020 |
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 |
|
|
State Farm Bank is reporting a balance of 6,000+ to my credit report and its affecting my account. This account was not opened by me. I was a victim of Identity Theft but the company is still reporting this negative balance to my credit report.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX.
This was fraud as I did not apply for one from them.
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
|
| 08/14/2020 |
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 |
|
|
Someone is using my social security name with their name and has open a lot of credit accounts in my name which isnt me! Please investigate and deleted and any credit open by me need a PIN number and to call me! This is not my account
|
| 06/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
XXXX XXXX XXXX Sent money on XX/XX/2020 via paper check in the mail. I was informed it was for a XXXX XXXX job which I had applied for. I also called my bank and the bank the check was from to see if it was legit and it was.
|
| 04/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
|
| 11/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH STATEFARM BANK-NMLS VIA XXXX. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.
|
| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a fraudulent account and State Farm has failed to provide proof that my rights have not been violated. Please delete and block immediately from my XXXX and XXXX credit report.
State Farm Account # : XXXX
|
| 05/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
company not handling the card correctly for one they are not reporting to XXXX two closed my card b/c i file a dispute b/c i was being charged for something that i did not authorize which put me over the limit ...
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is illegal for XXXX to report this inquiry when State Farm clearly state they have no record of this at all. The following attachments will prove XXXX will not remove this inquiry and blaming StateFarm
|
| 05/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 04/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 12/14/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Unauthorized transactions/trans. issues
|
|
Web |
|
|
I unloaded the funds from my prepaid visa card to my bank account. They never showed up in my bank account and customer service is refusing to investigate where they went. This is tantamount to theft
|
| 05/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Statefarm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 03/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
State Farm Bank still refusing to remove this account which is not mine from my XXXX credit report. I never received any correspondence from this account on how to file a dispute or complaint.
|
| 07/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : State Farm XXXX XXXX XX/XX/2018
|
| 10/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I have had loans threw State Farm Bank. I recently requested a loan quote and I was told because I am an XXXX I can not borrow money from them to purchase a Vehicle from this business??
|
| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
State Farm Bank needs to delete and remove this fraudulent account from my XXXX credit report immediately. Your company failed to provide proof that my rights have not been violated.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
State Farm Bank did an unauthorized hard inquiry on my credit report. I called State Farm Bank and made them aware on their mistake. The hard inquiry is still on my credit report.
|
| 11/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Again, someone stoled my identity and opened this account in my name without my permission. State Farm needs to remove and block this account on my XXXX credit report immediately.
|
| 01/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.
|
| 12/22/2015 |
Yes |
|
|
|
Web |
|
|
State Farm has failed to send me a bill for the amount owed in XXXX 2015 and now Im late and being charged a XXXX late fee. This is n't the XXXX time this has happened.
|
| 09/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This bank is horibke with me I want them to offer me a contactless debit card and credit card its not fair why cant this technology be released
|
| 10/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 03/21/2020 |
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 |
|
|
My installment loan with State Farm is inaccurately reporting on my credit file late. I have never been over 30 days late on my auto loan
|
| 06/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Acct # XXXX is not my account. Please delete and remove immediately or legal action will be taken against your company.
|
| 10/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 06/09/2020 |
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 |
|
|
State Farm Credit Card was open as identity fraud please send me all the documents and proof of suffocation it was put in my name
|
| 09/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ref account XXXX resulted in fraud transactions and fraud balance that was reported and disputed years ago to state farm bank
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX needs to delete and block this account immediately because it is fraudulent, State Farm Bank Account # : XXXX
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These fraudulent accounts need to be deleted immediately : 1.STATE FARM BANK Acct # : XXXX 2. XXXX Acct # : XXXX
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Paid off a vehicle load in XXXX and it still shows up as if it is not paid off in the credit reporting agencies.
|
| 03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
State Farm is over charging me for the prepayment penalty fee and do not want to refund us for the fees.
|
| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days
|
| 04/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX?
|
| 10/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account has been paid off yet still it's reporting as closed instead of paid in full.
|
| 10/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
this account was result of fraud due to the XXXX breach for balance {$5000.00}
|
| 08/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
state farm bank XXXX account XXXX {$5000.00} was result of fraud and disputed
|
| 03/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
on XX/XX/2019 State Farm Bank was deleted but not with XXXX and XXXX.
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
don't not recognize inquires remove within 15 days
|
| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Theyre removing good accounts XXXX and XXXX
|
| 03/10/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/03/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 02/01/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
Older American, Servicemember |
|
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Servicemember |
|
|
| 12/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 11/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 10/20/2020 |
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
|
|
Postal mail |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Servicemember |
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 09/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
Older American |
|
|
| 09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/04/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 08/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 08/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/29/2020 |
No |
- 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
|
|
Phone |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 05/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 05/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/12/2020 |
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 |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 11209
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
Servicemember |
|
|
| 02/06/2020 |
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 |
|
|
|
| 02/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 01/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
Servicemember |
|
|
| 12/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 12/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Postal mail |
|
|
|
| 12/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 12/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 11/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Referral |
|
|
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Fax |
|
|
|
| 11/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
|
| 11/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 11/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 11/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 11/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
Older American |
|
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Postal mail |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Phone |
|
|
|
| 09/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
Older American, Servicemember |
|
|
| 08/18/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 07/25/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/24/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 06/29/2019 |
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 |
|
|
|
| 06/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 06/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 06/21/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/12/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 06/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/26/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Referral |
|
|
|
| 04/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Postal mail |
|
|
|
| 04/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Postal mail |
|
|
|
| 04/16/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Postal mail |
|
|
|
| 04/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Phone |
|
|
|
| 02/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Email |
Older American |
|
|
| 02/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 02/13/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Phone |
Older American |
|
|
| 02/04/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/31/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 01/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 01/11/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 01/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 12/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
|
| 12/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Phone |
|
|
|
| 12/17/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 12/14/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
Servicemember |
|
|
| 12/14/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 12/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Fax |
|
|
|
| 11/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 11/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 10/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 09/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Fax |
|
|
|
| 09/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 08/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 08/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Postal mail |
|
|
|
| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
|
| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/10/2018 |
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 |
|
|
|
| 08/07/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/24/2018 |
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 |
|
|
|
| 07/16/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 07/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/09/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 06/14/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/09/2018 |
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
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 05/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/20/2018 |
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 |
|
|
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Referral |
|
|
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
|
| 03/30/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Postal mail |
|
|
|
| 03/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 03/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
|
|
|
| 03/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/06/2018 |
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 |
|
|
|
| 03/06/2018 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/06/2018 |
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 |
|
|
|
| 02/23/2018 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/23/2018 |
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 |
|
|
|
| 02/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 02/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Postal mail |
|
|
|
| 02/09/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 02/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/26/2018 |
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 |
|
|
|
| 01/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 01/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 01/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/27/2017 |
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 |
|
|
|
| 12/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/16/2017 |
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 |
|
|
|
| 12/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 12/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
|
|
|
| 11/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 11/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Postal mail |
|
|
|
| 10/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 09/13/2017 |
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 |
|
|
|
| 08/04/2017 |
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 |
|
|
|
| 07/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2017 |
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 |
|
|
|
| 07/20/2017 |
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
|
|
Postal mail |
|
|
|
| 07/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Postal mail |
|
|
|
| 04/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/09/2017 |
Yes |
|
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/28/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 03/23/2017 |
Yes |
|
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 02/27/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
Older American |
|
|
| 02/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 02/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 01/26/2017 |
Yes |
- Bank account or service
- Savings account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 01/18/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 01/11/2017 |
Yes |
|
|
|
Web |
|
|
|
| 01/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
|
|
|
Web |
|
|
|
| 12/30/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/29/2016 |
Yes |
|
|
|
Phone |
|
|
|
| 12/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 12/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 12/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 12/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 12/09/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
Older American |
|
|
| 12/05/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 12/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 10/31/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/17/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
Older American, Servicemember |
|
|
| 10/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
Older American |
|
|
| 09/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
Older American |
|
|
| 09/22/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 09/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 09/07/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
|
|
|
Phone |
|
|
|
| 09/07/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/23/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 08/22/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/04/2016 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Phone |
|
|
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 08/01/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Postal mail |
|
|
|
| 08/01/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Postal mail |
|
|
|
| 07/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American, Servicemember |
|
|
| 06/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
|
| 06/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/11/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 06/08/2016 |
Yes |
|
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
|
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 05/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 05/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/10/2016 |
Yes |
|
|
|
Referral |
Older American |
|
|
| 04/28/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Postal mail |
|
|
|
| 04/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/22/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
|
|
|
Web |
|
|
|
| 04/15/2016 |
Yes |
|
- Forbearance / Workout plans
|
|
Web |
|
|
|
| 04/14/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/08/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/01/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 04/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/30/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/08/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 03/01/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/19/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 02/07/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
|
| 01/27/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 01/20/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 01/10/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 01/07/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
|
|
|
| 12/31/2015 |
Yes |
|
|
|
Web |
|
|
|
| 12/30/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 12/30/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
|
|
|
Web |
Older American |
|
|
| 11/17/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 10/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/23/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Referral |
|
|
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/09/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/24/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 09/03/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 09/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/26/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 08/18/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 08/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 07/08/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 07/07/2015 |
Yes |
|
|
|
Fax |
|
|
|
| 07/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 07/01/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
|
|
|
Web |
Older American |
|
|
| 06/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 06/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
|
|
| 06/10/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 05/21/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 05/19/2015 |
Yes |
|
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/04/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 04/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 04/17/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/01/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/12/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 02/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 02/09/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/04/2015 |
Yes |
|
|
|
Web |
|
|
|
| 01/30/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 01/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Postal mail |
|
|
|
| 01/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 01/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/09/2015 |
Yes |
|
- Forbearance / Workout plans
|
|
Phone |
|
|
|
| 01/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/04/2015 |
No |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 01/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 12/17/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 12/09/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 12/03/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 12/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 11/24/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 10/20/2014 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Referral |
|
|
|
| 09/29/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 09/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 08/22/2014 |
Yes |
|
|
|
Phone |
Older American |
|
|
| 08/18/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/16/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 08/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/30/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 06/26/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/25/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 06/21/2014 |
Yes |
|
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/22/2014 |
No |
|
|
|
Fax |
|
|
|
| 04/21/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 04/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 03/29/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
|
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
Older American |
|
|
| 03/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/19/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 03/14/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/13/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 03/07/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/24/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/20/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 02/19/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Phone |
Older American |
|
|
| 02/07/2014 |
Yes |
|
|
|
Web |
|
|
|
| 02/02/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 01/25/2014 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
|
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Mortgage
- Reverse mortgage
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Older American, Servicemember |
|
|
| 12/16/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 12/13/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 11/11/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 10/08/2013 |
Yes |
|
|
|
Web |
|
|
|
| 10/04/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/02/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 10/02/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/01/2013 |
Yes |
|
|
|
Web |
|
|
|
| 09/25/2013 |
Yes |
|
- Credit monitoring or identity protection
- Account terms and changes
|
|
Web |
Servicemember |
|
|
| 09/21/2013 |
Yes |
|
|
|
Web |
Older American |
|
|
| 08/30/2013 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 08/29/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 08/28/2013 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 08/26/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/15/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/09/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 07/26/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 07/08/2013 |
Yes |
|
|
|
Phone |
|
|
|
| 07/08/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 06/28/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/27/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/26/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 06/14/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/06/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/05/2013 |
Yes |
- Bank account or service
- Savings account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 06/02/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/22/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/07/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 04/29/2013 |
Yes |
|
|
|
Web |
|
|
|
| 04/27/2013 |
Yes |
|
|
|
Web |
|
|
|
| 04/26/2013 |
Yes |
|
|
|
Web |
|
|
|
| 04/25/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/23/2013 |
Yes |
|
- Settlement process and costs
|
|
Fax |
Servicemember |
|
|
| 04/11/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/09/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 03/28/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/27/2013 |
Yes |
|
|
|
Web |
|
|
|
| 03/26/2013 |
Yes |
|
|
|
Web |
|
|
|
| 03/22/2013 |
Yes |
|
|
|
Web |
|
|
|
| 03/19/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 03/08/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/05/2013 |
Yes |
|
|
|
Web |
|
|
|
| 03/02/2013 |
Yes |
|
|
|
Web |
|
|
|
| 02/21/2013 |
Yes |
|
|
|
Web |
|
|
|
| 02/03/2013 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 01/25/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/19/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/18/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/15/2013 |
Yes |
|
|
|
Web |
|
|
|
| 01/14/2013 |
Yes |
|
|
|
Web |
|
|
|
| 01/12/2013 |
Yes |
|
|
|
Fax |
|
|
|
| 01/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/29/2012 |
Yes |
|
|
|
Web |
|
|
|
| 12/25/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 12/19/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2012 |
No |
|
|
|
Web |
|
|
|
| 12/05/2012 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 11/27/2012 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 11/26/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/17/2012 |
Yes |
|
|
|
Web |
|
|
|
| 11/10/2012 |
Yes |
|
- Forbearance / Workout plans
|
|
Web |
|
|
|
| 10/22/2012 |
Yes |
|
|
|
Web |
|
|
|
| 10/12/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/24/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/20/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 09/19/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/14/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 09/06/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 08/27/2012 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American |
|
|
| 08/22/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 07/24/2012 |
Yes |
|
|
|
Web |
|
|
|
| 07/24/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 07/16/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 07/09/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 07/06/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 07/05/2012 |
Yes |
|
|
|
Email |
|
|
|
| 06/28/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 06/24/2012 |
Yes |
|
|
|
Web |
|
|
|
| 06/20/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/08/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 06/08/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 05/31/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 05/30/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/22/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/15/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/15/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/09/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 05/08/2012 |
Yes |
|
|
|
Phone |
Older American, Servicemember |
|
|
| 04/25/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 04/19/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 04/09/2012 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Phone |
Older American, Servicemember |
|
|
| 04/02/2012 |
Yes |
|
|
|
Referral |
|
|
|
| 04/02/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 04/02/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/29/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/19/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 03/16/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/13/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 02/17/2012 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 01/25/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 12/27/2011 |
No |
|
|
|
Web |
|
|
|