TIAA, FSB CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/04/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	TX 78727	Web
TIAA Bank makes use of the Social Security number ( SSN ) for identification purposes and refuses service to customers tying to access their account information or seek help from the bank over the telephone that do not provide this number for purposes entirely unrelated to tax reporting purposes. The bank has a legitimate right to request the SSN from its customers for tax reporting purposes, but not for identification purposes every time one makes a telephone call to the bank. On XXXX XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, President and Chief Executive Officer of TIAA, and requested that he put an end to the policy of using the SSN for identification purposes, in part or in full, because this policy contributes to the perpetration of financial fraud in this country, and because the bank denies me service when I do not assent to the banks use of the SSN for purposes not related to the administration of the Social Security system. Having received no response to my letter of XXXX XX/XX/XXXX, I wrote again to XXXX XXXX XXXX, requesting a reply to my letter of XXXX XX/XX/XXXX. The Banks response was to make no change in its use of the SSN for identification purposes, and to provide no explanation as to why I did not receive service from the bank on XXXX XX/XX/XXXX. However, subsequent to these communications with the bank, the situation did improve. I was able, with some insistence, as well as with repeated telephone calls, to receive service by providing my TIAA verbal password. This situation drastically changed in XX/XX/XXXX. Every time I initiated telephone contact with the bank I was required to provide my SSN as an identifier. This practice is clearly an abuse of the SSN. The SSN should not be used for initiating communications with the bank. I informed my TIAA Wealth Management Advisor, XXXX XXXX, of my inability to engage in communications with the bank due to its policy of requiring the SSN as an identifier every time I initiated a telephone call. I told him that I had previously raised this matter with the President and Chief Executive Officer of TIAA, XXXX XXXX, and he asked me to send him my letter to Mr. XXXX, which he said he would forward to the executive team of the bank, along with my current complaint, for a response. On XXXX XX/XX/XXXX, I received an email from Mr. XXXX XXXX, Senior Customer Resolution Manager, Customer Care Team, at TIAA Bank, which acknowledged receiving my XXXX XX/XX/XXXX letter to Mr. XXXX and my complaint regarding the banks use of the SSN as an identifier, and said that a representative from TIAA Bank will be reaching out to address [ my ] concerns. In XX/XX/XXXX, I received a letter, dated the XXXX of the month, from Ms. XXXX XXXX at TIAA Bank Customer Care. In it she said she was responding to my XX/XX/XXXX letter to Mr. XXXX, not to my recent complaint about the ubiquitous use by the bank of the SSN as an identifier and about the bank 's refusing service to me because I object to the banks use of the SSN as a form of identification. She made no reference to the banks use of the SSN as a form of identification in her letter, construing my complaint as being psychological in naturethe product of my perception of [ the banks ] customer authentication protocols, which I may have felt inconvenient or cumbersome. '' The bank only wants to deal with this issue as a perceptual phenomenon, not as real, objective phenomenon : a refusal to provide service because one objects to the banks use of the SSN as a form of identification. The bank has refused me service on too many occasions to recount. On Saturday, XXXX XX/XX/XXXX, I received a letter from TIAA Bank but signed, not by a person from TIAA Bank, but by a fictive entity, XXXX XXXX. The letter was dated XXXX XX/XX/XXXX, but postmarked XXXX XX/XX/XXXX, and required a response by XXXX XX/XX/XXXX, warning that failure to respond by that date would result in the termination of our investigation [ of a charge placed on my account for an item fraudulently misrepresented by the seller ] and make a decision on [ my ] claim based on the information that we currently have available [ from the seller seeking to defraud me ]. By imposing an impossible deadline on me, and restricting the means by which to replyin writing by mail or faxwith documentation that supports [ my ] claim, the bank is purposely trying to throw out my case and undermine my rights as a consumer. On Monday, XXXX XX/XX/XXXX, I called TIAA Bank trying to get the contact information ( telephone and email ) of MrXXXX XXXX XXXX, the Chief Executive Officer and President of TIAA Bank, in order to respond to the banks impossible deadline for a reply to TIAA Banks letter of XXXX XX/XX/XXXX. A XXXX at TIAA would not provide this information, but said that she would have her supervisor call me ( her supervisor never did call me ). A XXXX at TIAA refused to help me and hung up on me. A Reneshia did not provide me with any help and transferred me to a XXXX, who provided no help either, but, upon my request, transferred me to her supervisor, XXXX XXXX, who declined to provide me with Mr. XXXX contact information, but did give me an email address ( XXXX ). I asked Ms. XXXX to put me in contact with XXXX supervisor, but she did not know of any XXXX or any supervisor of XXXX. Later, during the afternoon of XXXX XX/XX/XXXX, I continued my quest to obtain the contact information of Mr. XXXX so that I might respond to TIAA Banks impossible deadline. I spoke to a XXXX, a XXXX, and XXXX XXXX, all of whom provided me with no help. I located a telephone number for MrXXXX XXXX on the internet, XXXX, and called this number, but was immediately transferred to voicemail. I left a message, but I never received a return call. During the afternoon, I spoke to Mr. XXXX XXXX of TIAA Bank and informed him of my problem in responding to the impossible deadline set by the bank. He provided me with another email address, XXXX, to send my reply and accompanying documentation to in order to meet the banks impossible deadline. Because I did not have a Fax machine and had spent all day unsuccessfully trying to obtain XXXX XXXX contact information, and because I could obtain no written extension of the banks impossible deadline from any of the TIAA agents that I had dealt with, my only recourse was to send a response to Mr. XXXX using all of the known email addresses I had for TIAA ( XXXX, XXXX, XXXX, and XXXX ), in the hope that my response would reach him. The following day, I sent the hardcopy of what was emailed to Mr. XXXX using the return address on TIAAs letter to me of XXXX XX/XX/XXXX. No one at TIAA has confirmed the receipt by Mr. XXXX of my letter with accompanying documentation. On XXXX XX/XX/XXXX, I called Mr. XXXX, but was immediately transferred to his voicemail. I left a message for him to call me back. At XXXX XXXX, I received a call from XXXX from TIAAs Dispute Team. She had not received the materials sent to Mr. XXXX, and could only inform me of the process of how the bank handles a disputed transaction, not any information pertaining to my case. Mr. XXXX returned my telephone call at XXXX XXXX. and acknowledged receiving my email requesting him to kindly forward the following letter and attached documentation to Mr. XXXX XXXX, Chief Executive Officer and President of TIAA Bank regarding Correspondence from TIAA Bank, dated XXXX XX/XX/XXXX, referencing Claim Number XXXX. He said that he had done so. At XXXX XXXX on XXXX XX/XX/XXXX, I called Ms. XXXX, responding to her invitation to contact [ her ] directly at XXXX, regarding her letter to me of XXXX XX/XX/XXXX. My call was immediately transferred to voicemail. I left a message for her to telephone me. She did not telephone me. The next day, I again telephoned Ms. XXXX and again was transferred to her voicemail. I left a message for her to telephone me. She did not telephone me. At XXXX XXXX., on the same day, I spoke to Mr. XXXX, and told him that I had been unable to contact Ms. XXXX, and that my requests for a return call had gone unanswered. For the very first time, Mr. XXXX informed me of his position at TIAAManager of TIAA Bank Customer Careand that Ms. XXXX was under him and wrote to me under his direction. This is the very first time that anyone at TIAA Bank or in Customer Care at the bank acknowledged the existence of XXXX XXXX. I asked Mr. XXXX to please have Ms. XXXX return my telephone calls. Today, XXXX XX/XX/XXXX, I received a call from a woman who introduced herself only by her first name, " XXXX. '' With some insistence I pried from her her last name, " XXXX. '' She did not tell me that she was recording the conversation. Only when I heard an echo on the line did I ask her if the telephone call was being recorded. When she said that it was, I terminated the telephone call. I believe by law in the state of Florida, where Ms. XXXX telephoned from, everyone involved in a telephone conversation must agree to be recorded. MsXXXX XXXX did not follow the law and did not even have the courtesy to tell me at the beginning of the call that the conversation was being recorded. I had to pry that information out of her, just as I had to pry her last name out of her. There have been many other problematic contacts with TIAA Bank : refusals of service by TIAA representatives, telephone calls not being returned by TIAA representatives, TIAA representatives hanging up on me, etc. Much of this behavior stems from my refusal to allow the bank to use the SSN as an identifier in order to initiate communications with the bank. This practice must stop.
06/04/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33073	Web	Servicemember
I am filing a complaint against my mortgage company, TIAA Bank for withholding insurance settlement funds from a class action lawsuit in which I filed against my homeowners insurance, XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed a claims with my homeowners insurance regarding Hurricane Irma ( XX/XX/XXXX ) in which I was treated unfairly, ending with my claims being denied. On XX/XX/XXXX, I hired a property adjuster, to assist me with my claims, whom after many months and attempts to negotiate with my insurance company, encouraged me to hire an attorney to represent my case. On XX/XX/XXXX, I hired a law firm ( attorney ) to represent me in a class action law suit that was filed against XXXX XXXX XXXX XXXX XXXX XXXX. As a result, the insurance company settled out of court on XX/XX/XXXX. I received my settlement check from the insurance company on XX/XX/XXXX. On XX/XX/XXXX, I notified my mortgage company ( TIAA Bank ) for endorsement, regarding they were one of the names included on the settlement check, alongside Small Business Administration ( SBA ) Loan. I was instructed by Ms. XXXX XXXX, representative of TIAA Bank, for me and SBA to endorse the check, then send it to them for disbursements. On XX/XX/XXXX, I received an email notification from TIAA Bank stating they received the check. I consistently stayed in communication with TIAA Bank ( Insurance claims check department ) representatives regarding the process and their requirements for the release of my funds. Ms. XXXX informed me that once damages to my home were complete, they will send an inspector to my home to verify that the work had been completed. I was then instructed to send them a copy of an itemized list of damages that was created by the insurance company. I immediately called the insurance company to inquire, regarding I had no knowledge of the list in which the representative was referring. I was informed by the insurance company, and the attorney that represented me that there was no itemized list, and that the insurance company was obligated to send the mortgage company a copy of the settlement affidavit. Just to be prompt, I sent TIAA Bank a copy of the settlement affidavit by certified mail in which they acknowledged via email they received. I disclosed to Ms. XXXX, representative at TIAA Bank that my roof had water damage ( leak ) and that I contacted the City of XXXX XXXX ( City Hall ), and roofing contractors regarding guidelines for roof repair work. I was instructed to send in copies ; estimates, photos, payment method ) in which they acknowledged via email they received on XX/XX/XXXX. I received notification on XX/XX/XXXX that all documents were up to date and that an inspection was ordered for my home, and that someone ( inspector ) would be contacting me. On XX/XX/XXXX, the inspector that TIAA Bank hired to inspect my home arrived, in which he inspected the roof repair work, and took photos of the exterior of my residence. I also agreed to allow him to conduct a walk-through of the interior of my residence in an effort to disclose no further work needed to be done. After completion of the inspection, I signed the affidavit he presented stating my home was in good standing. On XX/XX/XXXX, I received a telephone call from an unidentified woman claiming to be the supervisor of the first inspector. She informed me that the first inspector had misplaced the original paperwork and photos, stating that she needed to reschedule a second inspection. I immediately notified TIAA Bank representatives of these accusations made by the unidentified woman in which they confirmed that they were aware. I was told that if I didnt agree to this second inspection, they would not release my funds. At this point, I demanded to speak with a supervisor in which I was denied. After informing this particular representative ( Ms. XXXX XXXX ) that all of our communications had been recorded, she then advised me that she would have someone contact me at a later time. One hour later, I received a telephone call from TIAA Bank supervisor, Ms. XXXX XXXX. I informed her of the conversation that took place with Ms. XXXX and me, as well as the conversation that took place with the unidentified inspector supervisor. Ms. XXXX ask me for the contact telephone number for this person in which I provided her with. Ms. XXXX called me back less than 30 minutes, confirming what was said by this inspector supervisor. I informed Ms. XXXX that I had complied with all of their requirements, and was not going to allow them to conduct a second inspection due to their inspector negligent. I then informed Ms. XXXX that documented the entire inspection ; video, audio, and took a picture of the document I signed with their inspector. She then asked me to send her a copy of what I had. I told her that I was not going to send her anything regarding the burden was on them. Ms. XXXX called me back less than 30 minutes stating that they had possession of the document I signed but now need me to agree to allow them to take additional photographs because they didnt have them. I declined allowing TIAA Bank inspector to respond to my residence for a second time to conduct this inspection regarding I had already allowed them to do so. On XX/XX/XXXX, I received a telephone call from Mr. XXXX XXXX, ( Manager of the inspectors ) informing me that a new inspector, Mr. XXXX XXXX had been assigned to respond to my residence and conduct a second inspection, stating they already had in their possession photographs of the exterior, however photographs of the inside of my residence were required. I denied them access. On XX/XX/XXXX, I called TIAA Bank and spoke with XXXX XXXX ( representative ) and informed her of the conversation I had with Mr. XXXX and Mr. XXXX regarding a second inspection. I requested to speak with Ms. XXXX XXXX and she called me back in less than 30 minutes. Ms. XXXX admitted to having possession of the photographs from the original inspection then stated that they now required photographs of the entire inside of my residence even if there is no damage. I told Ms. XXXX that these requirements were in fact unreasonable and that I refused to allow them to enter my residence and take photographs of every room as they were now requiring. Ms. XXXX informed me that she will their board for review and will contact me at a later date. On XX/XX/XXXX, an unidentified woman representing TIAA Bank called me inquiring once again for an itemized list in which I informed her that there was none. She then went on to question me regarding the type of settlement as if she wanted me to go into the detail about the lawsuit. On XX/XX/XXXX, I called Ms. XXXX and left her a voice message regarding an update on the status for them to release my funds. On XX/XX/XXXX, I called Ms. XXXX and left her a voice message regarding an update for the release of my funds. Ms. XXXX returned my call shortly thereafter and informed me that a decision had been made, and I was not going to receive my settlement funds unless I agreed to allow TIAA Bank to conduct a second inspection, at which time I informed her that I will be filing this complaint. I have resided in my residence for approximately seven years and I have never been delinquent with my mortgage payments. This settlement with my homeowners insurance was the first claim that I have ever filed and it was definitely a learning experience. It has thought me that even if I follow the regulations and guidelines, corporations will continue to take advantage of consumers who dont go the extra mile to protect themselves. Throughout this entire process I have kept a timeline to include ; names, dates, times, recordings both audio and video, and copies of all documents signed and submitted. I am currently looking into hiring an attorney to assist me in this matter and would really appreciate your assistance as well, getting to the root of the situation.
12/31/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30319	Web
XX/XX/XXXX SENT VIA EMAIL XXXX & U.S. MAIL XXXX XXXX XXXX , XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX SENT VIA EMAIL XXXX & US MAIL XXXX XXXX , XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX NOTICE TO CEASE AND DESIST EFFORTS TO OBTAIN POSSESSION OF XXXX XXXX XXXX, XXXX, XXXX, GEORGIA XXXX Dear XXXX XXXX & XXXX, This letter is in response to a letter that I expect to and anticipate receiving shortly from your office. On XX/XX/XXXX, the same day that I received a letter dated XX/XX/XXXX from your law partner, XXXX XXXX, I sent you a response letter explaining in detail my position with respect to illegal and unethical foreclosure of the subject property referenced above ( see Exhibits A-B ). First, as will be explained in greater detail below, the foreclosure auction involving the subject property that occurred on XX/XX/XXXX is void ab initio for a myriad of reasons, based on civil regulatory violations, criminal conflict of interest, criminal complicity, fraud and other criminal conduct. LACK OF STANDING Prior to the foreclosure auction on XX/XX/XXXX, I had previously filed at least two ( 2 ) lawsuits against XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX within the past two ( 2 ) years in XXXX County Superior Court ( later removed to Federal District Court ) related to their improper noticing my home for foreclosure ( please take judicial notice ). By virtue of XXXX, XXXX XXXX XXXX having been a named as a Co-Defendant in multiple lawsuits also naming the Servicer ( XXXX ), Trustee ( XXXX ) and Investor ( XXXX ), XXXX, XXXX XXXX XXXX, as a law firm, had a conflict of interest and therefore had no standing or authority to conduct the foreclosure sale to begin with. FIRST ACT AND COUNT OF CIVIL & REGULATORY VIOLATIONS & CRIMINAL CONFLICT OF INTEREST, CRIMINAL COMPLICITY AND CRIMINAL FRAUD In addition to the Mortgage Servicer ( XXXX ), Trustee ( XXXX ) and purported Investor ( XXXX ) having no standing to foreclose on the subject property to begin because of a continued conflict of interest as described above, XXXX, XXXX XXXX XXXX also did not having standing to foreclose on the subject property as they did not include the name of the true Investor in their notices to myself nor did they disclose such in the required ad they ran in the XXXX XXXX. XXXX XXXX, not XXXX XXXX XXXX XXXX, was and is the actual and true Investor prior to and the time of the foreclosure auction. This was confirmed to me by an XXXX employee, XXXX ( last name not provided ) believed to be in the Loss Mitigation Unit at XXXX, Employee ID # XXXX at XXXX XXXX EST on Monday XX/XX/XXXX. The concealment of the true investor constitutes an act of fraud in the foreclosure transaction and violates various provisions of Title 44 of the Official Code of Georgia. This fact and this fact alone, voids the transaction in its entirety. SECOND ACT AND COUNT OF CIVIL & REGULATORY VIOLATIONS & CRIMINAL CONFLICT OF INTEREST, CRIMINAL COMPLICTY AND CRIMINAL FRAUD Second, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX individually and collectively violated numerous provisions of consent orders that they entered into over the past decade with several Federal Agencies, including Consumer Protection Financial Bureau, the Office of Comptroller General, The United States Department of Justice and the Office of Thrift Supervision, well prior to their initiating foreclosure of the subject property. In addition, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX violated various rules issued by the XXXX XXXX XXXX XXXX governing the conditions that must be met before a mortgage company can foreclose, including, but not limited to : 1 ) Demonstrated and Actual Good faith consideration of a homeowners request for loss mitigation options ; 2 ) Full, thorough and good faith consideration of homeowners request for loan modification ; 3 ) Denying a homeowners request for loss mitigation options only if there is a sufficient and articulable basis and reason to do so and ; 4 ) The right of a homeowner to appeal the denial of request for loss mitigation options or loan modification prior to the foreclosure auction. XXXX, et al did none of the above and so in addition to XXXX, XXXX XXXX XXXX not having standing to foreclose on the subject property because of a conflict of interest, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, likewise did not have actual or equitable standing to foreclose on the subject property either. THIRD ACT AND COUNT OF CIVIL & REGULATORY VIOLATIONS & CRIMINAL CONFLICT OF INTEREST, CRIMINAL COMPLICITY AND CRIMINAL FRAUD On or about XX/XX/XXXX, I received an anonymous letter advising that bid rigging occurred during the foreclosure auction on XX/XX/XXXX. Since your clients, XXXX XXXX, XXXX and XXXX XXXX, XXXX submitted the winning bid, I assume that the bid rigging scheme involved them both. ( see Exhibit C ). I notified the XXXX County Clerk of Courts office, the United State Department of Justice and the XXXX County District Attorneys office of this. ( see Exhibits D-E ). Assuming that your clients or others engaged in bid rigging during the foreclosure sale, the foreclosure transaction is void from the inception and this is on top of the fraud and conflicts of interest noted above. FOURTH ACT AND COUNT OF CIVIL & REGULATORY VIOLATIONS & CRIMINAL CONFLICT OF INTEREST, CRIMINAL COMPLICITY AND CRIMINAL FRAUD Following the removal of the multiple cases I filed against XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, from XXXX Superior Court to Federal District Court for the XXXX District of Georgia, the cases were assigned to Magistrate Court Judge XXXX XXXX, who unbeknownst to me, was formerly a Partner with the XXXX XXXX XXXX XXXX XXXX XXXX who has and still represents XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX and is paid XXXX of dollars each year for doing so. Also assigned to the case as the Supervisory Federal Judge, was Judge XXXX XXXX XXXX. Rather than Judge XXXX follow standard protocol and recuse herself because of an actual conflict of interest, she chose to remain on the Magistrate Court Judge and proceeded to issue recommendations and rulings adverse to myself and in favor of the Banks, all of which were adopted and mirrored by Judge XXXX final order ( s ) from the Report ( s ) and Recommendations ( s ) from Judge XXXX. Suffice it to say, that none of the rulings and orders by Judges XXXX and XXXX are enforceable. On the contrary, as one would expect, all rulings issued by both conflicted Federal Judges are void and unenforceable with Judicial Complaints pending against both for violations of their Judicial Oath and Conduct Prejudicial to the effect and expeditious administration of the courts business. Thus, even though these cases in Federal District Court appear to be administratively closed, all are in fact subject to and will in fact be vacated and set aside through Rule 60 of the Federal Rules of Civil Procedure because of such conflicts of interest on the part of the Federal Magistrate Court Judge, XXXX XXXX, which were imputed to Judge XXXX. Your firms continued involvement in this case is not only constitutes obstruction of justice, but is also tantamount not only to perpetrating a fraud on the court punishable by disbarment, but also constitutes clear and undeniable violations of Bar Rules 1.2 and 8.4 prohibiting an attorney from knowingly assisting a client in the commission of a crime or fraudulent act and conduct on the part of an attorney that involves dishonesty, fraud and deceit. Sincerely, XXXX XXXX XXXX cc : XXXX County Clerk of Court XXXX XXXX, XXXX, XXXX County District Attorney XXXX XXXX XXXX, XXXX, United States Attorney ( DC Circuit ) FBI Public Integrity Section
06/24/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60076	Web
My XXXX XXXX loan with TIAA serviced by XXXX is coming out of forbearance XX/XX/XXXX due to hardships due to COVID. We had been promised by TIAA that an option for us at end of foreclosure would be to resume our same monthly payments prior to the foreclosure and defer the missed payments to the end of the mortgage, putting them into a payment due at the sale, refinancing, or end of the loan. However, XXXX is saying that is not an option for us. The only reason they are giving is that XXXX told them it is not an option. " XXXX '' a supervisor at XXXX, told me deferring payments to the end of the loan is not an option and my only 3 options are : foreclosure ; pay all payments back in a lump sum ; or loan modification where the interest gets capitalized into the principal of the loan and we go an a three month trial period. When I asked him to put these options in writing, he said he can't and wanted to know which one of three I wanted to do. I had no choice but to agree to the modification because he said TIAA is prohibiting us from deferring the payments to the end of the loan. He gave no other explanation. The loan modification option penalizes us because now we will have to pay much more for our home if the interest goes into the principal. Furthermore, XXXX has been stringing me along for six weeks, telling me our file was in underwriting with my request to defer payments to the end of the loan when in reality, nothing was happening with my loan. up until yesterday, Knowing our forbearance period was ending XX/XX/XXXX, I telephoned XXXX on XX/XX/XXXX and spoke to " XXXX ''. I told her when my forbearance ended, I wanted the missed payments to go to the end of the loan. After asking me a series of questions, shesaid this was an option for me and she is sending it to underwriting for review. She told me to wait 30 days for a decision and to be on the lookout for documents in case underwriting needed more information from me. She said we were not required to make a payment until the deferment information comes. On XX/XX/XXXX, I called because XXXX sent an email to me saying I needed to contact them immediately. " XXXX '' with XXXX said to ignore the email, it is automatically generated and she could see my file was in underwriting. XX/XX/XXXX, I responded to a snail mail letter from XXXX saying to contact them. " XXXX '' said it was a form letter and to ignore it. XXXXconfirmed that my file had my request to defer payments to the end of the loan but that it was still in underwriting but since it has been 30 days, she transferred me to " loss mitigation. '' After a 2 hour hold time, I talked to " XXXX '' in loss mitigation who said my loan shows it is still in forbearance because customer service transferred it out of underwriting but had no idea why. She said TIAA loans are a little different from the other ones they service. She asked me the same series of questions I was asked on XX/XX/XXXX, and said she would " escalate '' the file. She said not to make my XXXX payment until I hear about the deferment of payments. On XX/XX/XXXX I got a telephone message telling me to call XXXX immediately. I called back and spoke to " XXXX '' who said it was a " general outreach call '' and I could ignore those. She said my file had only been in underwriting 26 days and saw that it had been " escalated ''. She said it is weird that it is taking so long and didn't now why my file now said " modification '' and not the request for deferring payments to the end. She said to ignore calls, emails and letters unless they are asking for specific information from now on. On XX/XX/XXXX, I received a letter from XXXX naming " XXXX XXXX '' as my mortgage resolution advocate. I called the number for him which was just the same XXXX number. " XXXX '' said she could not transfer me to XXXX because the letter I got was a " template '' but she could help me. She said that my file had two open requests, one for a modification and one for a deferral of payments and they were due to be resolved today and to try back at the end of the business day. I told her I never requested a modification and I have always been asking to defer the payments to the end of the loan every email I sent and every call I made to XXXX since XX/XX/XXXX I asked for this. She said I should talk to a supervisor and I was transferred to a general voicemail box. I phoned back and after 50 minutes on hold talked to " XXXX '' who said XXXX was her boss. She said she is emailing her supervisor to talk to me about my file because it is " stuck '' in forbearance and hasn't moved since I asked to defer the missed payments back in XXXX. She said she does not know why my file " hasn't moved '' but that TIAA had a " role in it. '' She said a supervisor would talk to me that night. " XXXX '' from XXXXtelephoned me that evening and said I was not permitted to have the option of deferring my missed payments to the end of the loan. I asked him why, during all the calls and people I talked to since XX/XX/XXXX when I was told I could request that opton, no one ever told me I was not allowed that option. He said " I don't know, I wasn't there. '' Without any explanation, XXXX said TIAA would not allow us to defer our missed payments to the end of the loan. We feel we have been deceived and defrauded by TIAA since TIAA has always maintained that deferring the missed forbearance payments to the end of the loan was an option. We don't know why XXXX is now saying TIAA won't allow us to defer our missed payments to the end of the loan because they refuse to provide an explanation.. We first elected forbearance on XX/XX/XXXX when TIAA serviced the loan ( not XXXX ) with XXXX XXXX of TIAA who told us that if we go into forbearance due to COVID hardship, we would not suffer having to pay any additional money, any fees, any penalties or any reporting to the credit bureau agencies. XXXX for TIAA has violated all of that ( see previous complaint about how they reported us to all 3 credit bureaus as delinquent while we were in forbearance! ). If we do the modification XXXX with XXXX is offering ( and the other 2 options are forclose or pay missed payments in full ), it will put our interest into the principal and so we will then owe more money on the loan. TIAA promised us we would not suffer having to pay more money if we went into forbearance but now XXXX says TIAA will not allow us to defer our payments to the end of the loan without any other explanation. TIAA has always maintained that deferment of missed forbearance payments was an option for us. For example, a XX/XX/XXXX letter from TIAA states " mortgage deferments '' may be available. In a XX/XX/XXXX letter from TIAA, it stated options available include " a deferment. '' On XX/XX/XXXX, " XXXX '' with TIAA specifically stated we can elect a " deferment '' where past due payments are a " payoff at the end of the loan maturity date. '' She also stated when we are ready to resume making payments we can avoid paying the " big chunk all at once '' by having the " payments tacked on at the end '' of the loan. She said, to get the deferment, we have to be able to make mortgage payments going forward and have recovered from the hardship and only the past due payments are tacked on at the end. However, now " XXXX '' at XXXX is saying TIAA will not make that an option for us without any explanation. Please help us get TIAA and XXXX to do what TIAA said we could do : Defer our missed forbearance payments until the end of the loan. Prior to going into forbearance, we were never late with any of our mortgage payments and currently our credit bureau scores are in the 800 's " excellent '' range. There can be no good reason why we are being denied the opportunity to defer our forbearance payments. Thank you.
05/30/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	WA 98204	Web	Older American
Original Complaint # XXXX Originally Filed : XXXX I am filing a new complaint against TIAA Bank as I have discovered that TIAA was dishonest in their reply to CFPB dated XX/XX/XXXX. The letter was signed and sent by XXXX XXXX, XXXX Client Response at TIAA Bank. Ms. XXXX number is XXXX. Since I disagreed with Ms. XXXX response, I took her advice and called her on XX/XX/XXXX at XXXX PDT. I left her a message to call me immediately. I did not receive a call back from Ms. XXXX by XX/XX/XXXX. I again called Ms. XXXX on XX/XX/XXXX at XXXX am PDT and since there was no answer, I left a message on her voice mail again asking her to call me by XX/XX/XXXX. I gave her several extra days to respond in light of the XXXX XXXX XXXX. Ms. XXXX never called me back. I then began to closely scrutinize the documents provided by Ms. XXXX attached to her response letter of XX/XX/XXXX. I had a conversation on XX/XX/XXXX with a supervisor at TIAA who stated the loan release department was backlogged and the lien release would be sent to XXXX County in approximately 10 days and she would overnight the documents to me when completed. I was unhappy with this answer as I had paid the loan off on XX/XX/XXXX. It was nearly 4 months since the loan had been paid in full and I still had no lien release or satisfaction of mortgage from TIAA Bank. As of XX/XX/XXXX, I had received no lien release documents from TIAA nor had the XXXX County Assessors office received lien release documents from TIAA Bank when I spoke to them. I called TIAA again on XX/XX/XXXX and spoke with XXXX. XXXX informed me that the closing documents had been sent to the investor, for completion on XX/XX/XXXX. This was the first Id heard of an investor. I said to XXXX that my loan was with TIAA Bank. XXXX told me that TIAA Bank serviced the loan for XXXX XXXX and that lien release documents would need to be signed off on by XXXX XXXX. XXXX offered to contact XXXX XXXX to check the status the of the lien release and would get back to me. XXXX called me back later the same day and said that no one at XXXX XXXX was available to help and he would get back to me on XX/XX/XXXX on the status of the closing documents. I never heard back from XXXX, despite leaving him several message to return my call. I filed the original complaint ( XXXX ) with CFPB on XX/XX/XXXX. CFPB received a reply from XXXX XXXX at TIAA on XX/XX/XXXX stating the reason the lien release had not been filed was because XXXX XXXX is unresponsive. I was told back on XX/XX/XXXX that loan release documents would be processed in about 10 days. According to XXXX at TIAA on XX/XX/XXXX, those lien release documents were sent to XXXX Bank and TIAA was waiting for the executed documents to be returned. What I found extremely interesting is that the lien release documents sent to XXXX XXXX from TIAA, shown in the attachment from XXXX XXXX in her response to XXXX, are dated XX/XX/XXXX, not in XXXX as stated by XXXX at TIAA or the supervisor I talked to, both of whom I spoke with on XX/XX/XXXX. Both of these TIAA employees assured me that the release of lien documents had been sent to XXXX XXXX in XXXX. They evidently did no such thing. Despite this, CFPB closed my complaint, accepting TIAAs word that all of this was XXXX XXXX fault. Being extremely frustrated with TIAAs delay in releasing my lien, lying to me constantly, giving me the run around, not returning calls, and violating Washington State laws, I decided to contact the XXXX XXXX branch that TIAA had listed on the Appointment of Successor Trustee document to see if I could expedite the processing of the lien release documents. The address of this of XXXX XXXX branch is listed on this document as XXXX. XXXX XXXX, XXXX, WA XXXX. The phone number is XXXX. I had no problem getting through to the branch on the first try, even during a pandemic. I must be possessed of some sort of magic touch that TIAA doesn't have since they claim they have never " received a response. '' The man I spoke to said that this is a local branch of XXXX XXXX and they do not process lien releases or satisfaction of mortgages at this location. They had no record of any documents being sent to this branch by TIAA Bank. The man I spoke to transferred me XXXX XXXX Loan Servicing Department and I spoke to XXXX. XXXX number is XXXX, extension XXXX. From what I gather, XXXX XXXX 's Loan Servicing Department is located in Ohio, not Washington State. XXXX told me that XXXX XXXX has no record of this loan. There is no loan number XXXX with XXXX XXXX, they have no relationship with TIAA Bank that hes aware of, there are no loans or accounts with XXXX XXXX under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or any of these 3 peoples social security numbers or birthdates. Its now been 6 months and we have no lien release documents, no satisfaction of mortgage documents, nothing that allows us to sell the home or deed it to others. TIAA Bank is now in violation of Washington State Law : RCW 60.04.071 Release of Lien Rights Upon payment and acceptance of the amount due to the lien claimant and upon demand of the owner or the person making payment, the lien claimant shall immediately prepare and execute a release of lien rights for which payment has been made, and deliver the release to the person making payment. In any suit to compel deliverance of the release thereafter in which the court determines the delay was unjustified, the court shall, in addition to ordering the deliverance of the release, award the costs of the action including reasonable attorneys fees and any damages. RCW 61.16.20 Mortgages, How Satisfied of Record Whenever the amount due on any mortgage is paid, the mortgagee or the mortgagees legal representatives or assigns shall, at the request of any person interested in the property mortgaged, execute an instrument in writing referring to the mortgage by the volume and page of the record or otherwise sufficiently describing it and acknowledging satisfaction in full thereof. Said instrument shall be duly acknowledged, and upon request shall be recorded in the county wherein the mortgaged property is situated. Every instrument of writing heretofore recorded and purports to be a satisfaction of mortgage, which sufficiently described the mortgage which it purports to satisfy so that the same may be readily identified, and which has been duly acknowledged before an officer authorized by law to take acknowledgment or oaths, is hereby declared legal and valid, and a certified copy of the record thereof is hereby constituted prima facie evidence of such satisfaction. RCW 61.16.030 Failure to Acknowledge Satisfaction of Mortgages Damages Order If the mortgagee fails to acknowledge satisfaction of the mortgage as provided in RCW 61.16.020 sixty ( 60 ) days from the date of such request or demand, the mortgagee shall forfeit and pay to the mortgagor damages and a reasonable attorneys fee, to be recovered in any court having competent jurisdiction, and said court, when convinced that said mortgage has been fully satisfied, shall issue an order in writing, directing the auditor to immediately record the order. Upon discovery of this additional information, I am filing a new complaint with the CFPB. My request is that you expedite my complaint with TIAA Bank and require that they respond immediately. TIAA Banks excuse that XXXX XXXX is unresponsive no longer holds water and appears to be untruthful. TIAA has illegally, willfully and deliberately deprived us of our legal right to a satisfaction of lien on our condominium that was paid off on XX/XX/XXXX. The delays by TIAA have caused emotional and financial harm to the XXXX family. TIAA Bank has no intention of ever providing any closing documents, that much is clear.
10/28/2019	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 Was not notified of investigation status or results	DC 20011	Web
I am filing a Fair Credit Reporting Act violation complaint against TIAA FSB FDIC ( merged with Everbank Mortgage ) insured # XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX. The list of violations is below. Violation 1 - Misreporting mortgage account status to me and credit reporting agencies ( CRAs ). Numerous and multiple willful, reckless, and negligent violations of the FCRA. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681b ] Violated the FCRA by reporting and failing to furnish information that is accurate, complete, and correct inaccurate and derogatory information on my credit reports after I began making mortgage payments, initially through trial modification commencing XX/XX/XXXX then making regular mortgage payment through an approved modification mortgage loan modification, XXXX XXXX XXXX plan. TIAA continued to report late payments from XX/XX/XXXX through XX/XX/XXXX. See Attachments A, B Debt collectors arent allowed to give false information about you to anyone including a credit reporting agency and they cant send you anything that looks like a court or government document if it isnt one. Conversely, they cant lead you to think that papers they send you arent legal forms if they are. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. FCRAs Furnisher Rule FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. Going forward, you must furnish only the correct information to the CRA. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. Violation 1 Example - I mailed a letter dated XX/XX/XXXX along with copies of my account history showing my initial trial mortgage payments made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Attachment B My account status displayed past due on my credit reports. I submitted a dispute to the furnishers - Everbank ( TIAA ), and the CRAs. My dispute was not resolved so I wrote a 100-word statement that was added to my credit reports for my TIAA mortgage account. Violation 2 - Misleading statements and written correspondence stating that TIAA must report to the credit reporting agencies XXXX XXXX XXXX Lenders are not required by law to report payments to the credit reporting agencies. Lenders must pay a fee to report payment to the credit reporting agencies. This adversely affected my credit scores because not all credit-reporting agencies receive the same positive or negative information about a consumer 's payment history, for example, a delinquent mortgage account. The FCRA does not stipulate that lenders must report information on accounts. Reporting information is voluntary. Everbank/TIAA made claims that they were required to report negative past history to the CRAs. I was an almost 7-year customer with stellar payment history prior to becoming unemployment due to company layoffs. Violation 3 - Everbank ( TIAA ) furnished CRAs with information it knew was inaccurate, and failed to correct inaccurate information in a timely manner. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681b ] TIAA failed to follow FCRA dispute procedures. Violation 3 Example 1 - Everbank ( TIAA ) refused to update my credit reports until I made on-time payments for 11 months from XX/XX/XXXX through XX/XX/XXXX. I mailed several letters and placed several phone calls but I received no response or action from TIAA and my requests were denied. See Attachment A Violation 3 Example 2 Called on XX/XX/XXXX and Spoke with XXXX in the Everbank Home Solutions Dept., XXXX. XXXX informed me, Payments are applied to last payment due. Once modification paperwork is complete then payment history will be current. Only way we can report the payment is to report it as a partial payment, but we do not update the credit reports until the loan is modified, within 30 days. My loan was modified with a new payment and loan term on XX/XX/XXXX, however late payments were reported from XX/XX/XXXX through XX/XX/XXXX. Called TIAA and inquired when will my credit reports be updated. An employee XXXX XXXX informed me, They will be updated after the permanent loan modification and after the system updates. - My credit reports were not updated until XX/XX/XXXX. I was required to undergo credit counseling. I attended credit counseling sessions with XXXX XXXX XXXX as a requirement of accepting the loan modification. XXXX XXXX XXXX Violatio n 4 Fair Debt Collection Practices Act and FCRA 15 U.S.C. 1681 et seq., the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692-1692p, the Fair Debt Collection Practices Act. TIAA reported derogatory information to the CRAs as defined by 15 U.S.C. 1681a, the Fair Credit Reporting Act. I disputed the accuracy of the derogatory information that TIAA reported to the CRAs on six separate occasions via mail and phone. See Attachment A 15 U.S.C. 1692g Fair Debt Collection Practices Act TIAA did not within 5 days of my initial dispute communication written documentation of the amount of the debt, and the payment history required by the Fair Credit Reporting Act. TIAA failed to complete an investigation of each written dispute and provide the results of an investigation within the 30 day period as required by 15 U.S.C. 1681s-2. I submitted 3 verbal disputes and 3 written disputes but I only received responses for 2 written disputes. TIAA did not notify me that my dispute is frivolous within the 5 days required by 15 U.S.C. 1681s-2, nor at any other time. TIAA did modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified as required by FCRA 623 ( b ) ( 1 ) the terms of the debt with me, i.e. principal balance, scheduled payment amount, and payment history. CONCLUSION I had stellar credit prior to my period of involuntary unemployment from XX/XX/XXXX-XX/XX/XXXX. I was unable to regain full-time employment resulting in financial losses and lost income because of bad credit due to late mortgage payments. I experienced damage to my credit rating. My credit score went from XXXX to XXXX. I was denied credit, unable to refinance my mortgage and I was unable to apply for a credit card. I regained stable employment in XX/XX/XXXX. I was approved for a credit card in XX/XX/XXXX with a {$500.00} credit limit. I could not be approved for a Tier 1 national bank credit card until XX/XX/XXXX. If derogatory information had not been reported on my credit reports, I would have been able to regain employment years sooner. The income earned would have been used to get current on mortgage payments. In addition, the investors and TIAA would have suffered less financial losses and would have saved time in resources.
01/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 977XX	Web
In XXXX of XXXX I was laid off by my previous employer and mortgage company, XXXX XXXX XXXX XXXX ( XXXX ). I was able to enter into a hardship forbearance plan with them, deferring my mortgage payments from XXXX of XXXX - XXXX of XXXX. I was to apply for a permanent modification in XX/XX/XXXX once new employment had been obtained. See attached. In XXXX of XXXX I had applied for the modification with XXXX. During the processing of the modification, XXXX apparently sold the transferring of my loan to TIAA. Upon following up with TIAA in regards to the status of my modification in XXXX of XXXX, I was told that I would need to re-apply directly with them. On XX/XX/XXXX I was approved for a modification under TIAA 's " Flex '' program. I was to make trial payments for 90 days beginning XX/XX/XXXX. After my third and final trial payment in XXXX of XXXX, my modification would become permanent. See attached. I made my XXXX payment on XX/XX/XXXX and the XXXX payment on XXXX. On XX/XX/XXXX I received the permanent modification offer. I was instructed to sign and date the agreement, have it notarized, and return it to TIAA with the final payment via personal check. I complied with all of these requests. TIAA received the notarized agreement earlier than I expected, and processed my personal check for XXXX 's payment on XX/XX/XXXX. The payment was returned for non-sufficient funds on XX/XX/XXXX. I saw that this had happened on XX/XX/XXXX when I checked my bank account and immediately called TIAA to make the payment over the phone. They processed an ACH payment over the phone and also re-ran the personal check on XX/XX/XXXX. I was not advised that the check would be processed again, otherwise I would not have made the payment over the phone. Both of the payments cleared my account, the check on XX/XX/XXXX and the phone payment on XX/XX/XXXX, overdrawing my account. I called TIAA and requested return of the phone payment and was advised to send proof via email that I had double paid before they would do so. I sent them proof and the phone payment was returned on XX/XX/XXXX. The funds from the check that cleared on XX/XX/XXXX was retained by TIAA and they still have that money. All three trial payments have been made and were paid on time. See attached. On XX/XX/XXXX I called and made my first payment for my permanent modification. This payment was made without issue and I was advised that my modification was being set up in their system, and I would be able to make future payments online. On XX/XX/XXXX I called my 'Relationship Manager ' at TIAA , XXXX XXXX XXXX to make my payment, but she did not answer her phone and my call was transferred to the next available person. I was informed at this time that my modification had been cancelled and I did not have a loan in their system. I was told that I would only be able to pay a lump-sum of every payment that would have been due dating back to the original forbearance in XXXX of XXXX. The sum was over {$20000.00}. They would not accept any partial payment. I was told that the modification was cancelled because I did not make my final trial payment in XXXX of XXXX. I explained what had happened and was told they would find the payment and call me back. I did not hear back from TIAA so I called them again on XX/XX/XXXX to follow up. The person I spoke to not have any of the information from my call the week before and I had to explain the entire situation again and request that they rectify the situation. I have called numerous times between XXXX and XXXX of XXXX trying to fix this issue, and sent them proof that the XXXX payment had cleared my account and that they still had it. See attached. I also demanded to know why my XXXX payment had been accepted if my modification was cancelled in XXXX, and was told that the XXXX payment should not have been accepted. I have called XXXX XXXX countless times, and she rarely answers. They do not have voicemails and if they do not answer, the call is transferred to the next available person in that department. I have requested call-backs from XXXX, and she has never returned them. The few conversations I did have with her during this period were frustrating and there was no follow-up on her end. She neglected to research the issue or follow-up with XXXX XXXX on my behalf. Later in XXXX I received a check from TIAA returning my XXXX payment. I did not deposit this check until XXXX of XXXX, after receiving foreclosure papers from a courier. In XXXX of XXXX I was finally able to contact a manager after having dozens of calls with various customer service representatives to no avail. The name of the manager is XXXX XXXX, I do not know if this is the correct spelling of his last name. I have been unable to find contact information for him online and have only spoken with him over the phone. His direct line is XXXX. XXXX was the first to inform me that a physical check had also been sent to me in XXXX, returning the second payment that I made that month. I told him I had never received any check and that my XXXX payment was still in TIAA 's hands. XXXX told me that he would find the missing payment and take care of the issue and get back to me. He told me when I asked, that there were no foreclosure proceedings against me at that time. I never heard back from XXXX. I received foreclosure papers in XXXX of XXXX. I have filed an answer with all of the attached documentation. TIAA is in receipt of all three of my trial payments as required. They are in violation of the modification agreement. They are pursuing an illegal foreclosure on my home. I have tried to remedy this situation with them countless times since XXXX of XXXX and they don't seem to care. I have been forced to put my home up for sale to try to protect my equity. My teenage son and I will not be able to continue living in our home town because of market inflation. Once my home is sold or foreclosed on, I will not be able to afford rent or sales prices here in order to stay. I will lose over {$100000.00} in equity as a result of foreclosure. They have ruined my credit, reporting all of the payments since the original forbearance as a rolling late. My credit should be showing current payments since XX/XX/XXXX when I made my first trial payment. I have not defaulted on my payments, they have refused to accept them. TIAA 's behavior is illegal and predatory. All I want is for them to reinstate my modification and allow me to begin making my payments as soon as possible, and for them to fix the reporting of mortgage lates to the credit bureaus effective XX/XX/XXXX. They are unwilling to mediate and are viciously pursuing a foreclosure against me.
07/21/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 91325	Web
Date : XX/XX/XXXX To : Consumer Finance Protection Bureau. Re : EverBank loan # XXXX XXXX XXXX XXXX XXXX. XXXX, FL. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, CA. XXXX Dear Processor, 1- We ( me and my husband ) filed for Chapter XXXX bankruptcy in XX/XX/XXXX, and was confirmed on XXXX XXXX, of XXXX, and a plan was established for the payments to be made to the creditors. 2- One of the creditors was/is EverBank ( EB ), and since the said property was a rental at that time, the judge ordered the mortgage payments that were skipped during the BK filing, to be paid back in full. Hence, we made the past due payments accordingly in the amount of {$46000.00} ( see Exh. # 1 ). 3- Since the said loan was modified, the judge decided that the mortgage payments of this loan ( we had several mortgages that were modified to fit the BK plan, except the said loan ) to be paid according to the modification terms. 4- We had also a secured credit line with XXXX XXXX XXXX XXXX XXXX which was modified by the BK court to be paid over ten years with fixed monthly payments. 5- The attorney representing XXXX XXXX XXXX XXXX ( the credit line holder ), refused to approve the BK courts payment plan, unless we pay back and bring current whatever we owe to EverBank ( see Exhibit # 2 ) 6- On XXXX of XXXX, we received an Escrow payment analysis from EverBank telling us also how much our payments would be. We Paid the Mortgage payment via phone, and got confirmation # of XXXX ( see Exh. # 3 ). 7- Prior to the final confirmation of the BK courts payment plan in XXXX of XX/XX/XXXX), EBs attorney requested additional past due amounts ( for five months ) to finalize the plan. We sent a cashiers check in the amount of {$15000.00}, and an additional monthly payment of {$2800.00} ( see exh. # 4 ) 8- On XXXX XXXX of XXXX, we received a new mortgage statement ( Exh # 5 ), requesting in addition to the mortgage payment of {$3100.00} a lump sum payment of {$23000.00} of which {$1300.00} goes to fees + charges, and totaling {$26000.00} 9- We immediately contacted our BK attorney questioning this {$23000.00}. According to him we were not supposed to owe EB any arrearage. 10-For more than 18 months, EverBank refused to talk to us in regard this past due amount that we owe them, claiming that this is a BK case, and we must tell our BK attorney to contact them, and they will resolve it with him. 11-Eventually, and after about two years, they accepted to communicate with us, and assigned a customer relationship manager -XXXX XXXXto handle the case. We send the above-mentioned evidence to her, and requested from her to pin point the months that we were delinquent so that we can compare them with our records, and if we were delinquent, then we will pay that amount we owe them. They claimed that it should be reflected on our monthly mortgage statements. I am attaching here several mortgage statements, and our bank statements that shows we paid all their mentioned delinquent months ( see exh. # 6 ) 12-We have been making the regular mortgage payments till XXXX of XXXX, and our last 2 mortgage payments ( XXXX + XXXX of XXXX see Exh. # 7 ) ) were returned to us, claiming that we are supposed to pay back the whole delinquent amount that was increased to about {$30000.00}. XXXX-For about 3 months, we kept going back and forth with no avail, and they filed Notice of Default and started the foreclosure process in XXXX of XXXX. For the next 4 months, we continued to discuss our case with EB, and most of the time either the relationship manager was no longer with EB, or a new one was appointed to our case, which made us repeat the scenario more than 8 times ( we have changed round 8 relationship managers and here are their names-XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Eventually one of them suggested to apply for loan modification ( which my husband refused to do, and argued with them saying that we made your regular payments for 28 months, and we can continue making the same payments, why then we should modify the loan, since we have only 18 yrs to pay it off ). 14-Eventually, I agreed to apply for loan modification, for which we were eligible, but they denied the modification without a solid or legitimate reason, we appealed the denial, and filed again proving to them that they made a big mistake in calculating our income, our second application was denied also claiming also that there were missing docs, and every time they requested a document was sent to them immediately, then another relationship manager comes, and claims that there are missing docs. ( see EXH # 8 & 9- We can send you the modification application if necessary ). XXXXIn XXXX of XXXX, my husband sold one of his properties, and when he received the payoff demand from the servicer ( XXXX ), he noticed that, the payoff amount is about {$90000.00} more than the original loan amount. He contacted the BK attorney questioning about the figures, the attorney told him that XXXX DID NOT ADHERE TO OR COMPLY with the BK approved plan, and they ( XXXX ) went by their own books, and he sent the court dockets that showed what was the agreement between each lender and us. 15-According to the agreement ( see Exh. # 10 ) EverBank was supposed to request a payment of {$350.00} ( for 60 months ) in addition to the regular mortgage payments, and not {$26000.00}. They didnt honor the court decision, and their own attorneys agreement. 16-If you calculate the pre-petition amount of {$20000.00}, and the post-petition amount of {$18000.00}, and compare that with the amounts in ( Exh. # 1 ) that we paid to EB add to that an escrow surplus in the amount of approximately {$5200.00} that they owe us you will notice that we even overpaid them, cause as I indicated previously, the attorney for the credit line didnt agree to the BK payment plan, unless the delinquent amounts to EB were satisfied. At this time, I am seeking your assistance in this mater, by negotiating a favorable deal and payment plan with EverBank or XXXX, and keep the house which is scheduled to foreclose in XXXX of XXXX. Thank you in advance for your consideration and cooperation. Sincerely, XXXX XXXX.
07/21/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 91325	Web
Date : XX/XX/XXXX To : Consumer Finance Protection Bureau. Re : EverBank loan # XXXX XXXX XXXX XXXX XXXX. XXXX, FL. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, CA. XXXX Dear Processor, 1- We ( me and my husband ) filed for Chapter XXXX bankruptcy in XX/XX/XXXX, and was confirmed on XX/XX/XXXX, and a plan was established for the payments to be made to the creditors. 2- One of the creditors was/is EverBank ( EB ), and since the said property was a rental at that time, the judge ordered the mortgage payments that were skipped during the BK filing, to be paid back in full. Hence, we made the past due payments accordingly in the amount of {$46000.00} ( see Exh. # 1 ). 3- Since the said loan was modified, the judge decided that the mortgage payments of this loan ( we had several mortgages that were modified to fit the BK plan, except the said loan ) to be paid according to the modification terms. 4- We had also a secured credit line with XXXX XXXX XXXX XXXX XXXX which was modified by the BK court to be paid over ten years with fixed monthly payments. 5- The attorney representing XXXX XXXX XXXX XXXX ( the credit line holder ), refused to approve the BK courts payment plan, unless we pay back and bring current whatever we owe to EverBank ( see Exhibit # 2 ) 6- On XX/XX/XXXX, we received an Escrow payment analysis from EverBank telling us also how much our payments would be. We Paid the Mortgage payment via phone, and got confirmation # of XXXX ( see Exh. # 3 ). 7- Prior to the final confirmation of the BK courts payment plan in XX/XX/XXXX ), EBs attorney requested additional past due amounts ( for five months ) to finalize the plan. We sent a cashiers check in the amount of {$15000.00}, and an additional monthly payment of {$2800.00} ( see exh. # 4 ) 8- On XX/XX/XXXX, we received a new mortgage statement ( Exh # 5 ), requesting in addition to the mortgage payment of {$3100.00} a lump sum payment of {$23000.00} of which {$1300.00} goes to fees + charges, and totaling {$26000.00} 9- We immediately contacted our BK attorney questioning this {$23000.00}. According to him we were not supposed to owe EB any arrearage. 10-For more than 18 months, EverBank refused to talk to us in regard this past due amount that we owe them, claiming that this is a BK case, and we must tell our BK attorney to contact them, and they will resolve it with him. 11-Eventually, and after about two years, they accepted to communicate with us, and assigned a customer relationship manager -XXXX XXXX-to handle the case. We send the above-mentioned evidence to her, and requested from her to pin point the months that we were delinquent so that we can compare them with our records, and if we were delinquent, then we will pay that amount we owe them. They claimed that it should be reflected on our monthly mortgage statements. I am attaching here several mortgage statements, and our bank statements that shows we paid all their mentioned delinquent months ( see exh. # 6 ) 12-We have been making the regular mortgage payments till XX/XX/XXXX, and our last 2 mortgage payments ( XX/XX/XXXX + XX/XX/XXXX see Exh. # 7 ) ) were returned to us, claiming that we are supposed to pay back the whole delinquent amount that was increased to about {$30000.00}. 13-For about 3 months, we kept going back and forth with no avail, and they filed Notice of Default and started the foreclosure process in XX/XX/XXXX. For the next 4 months, we continued to discuss our case with EB, and most of the time either the relationship manager was no longer with EB, or a new one was appointed to our case, which made us repeat the scenario more than 8 times ( we have changed round 8 relationship managers and here are their names-XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Eventually one of them suggested to apply for loan modification ( which my husband refused to do, and argued with them saying that we made your regular payments for 28 months, and we can continue making the same payments, why then we should modify the loan, since we have only 18 yrs to pay it off ). 14-Eventually, I agreed to apply for loan modification, for which we were eligible, but they denied the modification without a solid or legitimate reason, we appealed the denial, and filed again proving to them that they made a big mistake in calculating our income, our second application was denied also claiming also that there were missing docs, and every time they requested a document was sent to them immediately, then another relationship manager comes, and claims that there are missing docs. ( see EXH # 8 & 9- We can send you the modification application if necessary ). XX/XX/XXXX, my husband sold one of his properties, and when he received the payoff demand from the servicer ( XXXX ), he noticed that, the payoff amount is about {$90000.00} more than the original loan amount. He contacted the BK attorney questioning about the figures, the attorney told him that XXXX DID NOT ADHERE TO OR COMPLY with the BK approved plan, and they ( XXXX ) went by their own books, and he sent the court dockets that showed what was the agreement between each lender and us. 15-According to the agreement ( see Exh. # 10 ) EverBank was supposed to request a payment of {$350.00} ( for 60 months ) in addition to the regular mortgage payments, and not {$26000.00}. They didnt honor the court decision, and their own attorneys agreement. 16-If you calculate the pre-petition amount of {$20000.00}, and the post-petition amount of {$18000.00}, and compare that with the amounts in ( Exh. # 1 ) that we paid to EB add to that an escrow surplus in the amount of approximately {$5200.00} that they owe us you will notice that we even overpaid them, cause as I indicated previously, the attorney for the credit line didnt agree to the BK payment plan, unless the delinquent amounts to EB were satisfied. At this time, I am seeking your assistance in this mater, by negotiating a favorable deal and payment plan with EverBank or XXXX, and keep the house which is scheduled to foreclose in XX/XX/XXXX. Thank you in advance for your consideration and cooperation. Sincerely, XXXX XXXX.
02/15/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	NJ 08820	Web
XX/XX/XXXX I feel EverBank-TIAA, FSB can not be trusted! I have several Yield Pledge Money Market Accounts with EverBank/TIAA, FSB. For the month of XX/XX/XXXX, on two of the accounts correct APY of 1.01 % was used to calculate total interest during the cycle. On two other accounts, a lower APY was used despite the fact that all 4 account statements were for the EXACT same dates, same interest tier, same cycle, etc. When I called EverBank, several people I spoke to on multiple phone calls saw the error using incorrect APY to calculate interest on 2 accounts in question but no one was able to explain the reason for it. The 1st representative saw the error but did not have the answer so she said someone will call back after looking into it but no one called. The 2nd representative gave ridiculously unrelated answers to the issue ( see some answers below ). The 3rd representative did not know what is going on either with this APY difference and allowed me to talk to a supervisor. The 4th representative - a supervisor who, like all others, saw the difference in APY on my statements but also did not know why incorrect APY was used for interest calculation on those 2 account. She spoke to someone who she said was an expert in interest calculation department. The supervisor came back and told me how the interest is calculated ignoring the APY issue completely. I told her I know how the interest is calculated but the question is about using correct APY not about the calculation. She said she understood what I was saying but did not have any other answer from the interest calculator expert that she could give me. None of the EverBank/TIAA representatives, including 2 phone calls to supervisor, could give me a logical/clear answer. Then, a representative ( 5th one ) from Client Experience department called to offer help and claimed that she reviewed the entire information, including the phone conversations, yet did not know what the issue was at hand. When I explained to her the issue of incorrect APY used to calculate interest, despite already reviewing everything in detail, she interrupted the call saying she had to talk to someone else about it and call me back ; she did not call back. Following are some of the excuses/explanations given by various employees of EverBank-TIAA, FSB about my question of using incorrect APY to calculate interest for the same month, same cycle, same interest-bearing days, same average daily balance tier, same bank, same type of account : Interest rate varies by the month : I know that but we are talking about the XXXX for the SAME month on all accounts. Interest varies by the average daily balance : The average daily balance tier is same on both accounts in question. APY used for 2 accounts in question is correct : Why then it is different on other two EXACTLY similar accounts. It means the ERROR is there on 2 other accounts. APY depends on the day the statement is printed : All statements were printed on the date. Most employees I spoke to contradicted the info given by other employees of the bank for the exact same question/information. APY on those accounts for XX/XX/XXXX was 1.00 % APY on those accounts for XX/XX/XXXX was 1.01 % APY on those accounts for XX/XX/XXXX was 1.05 % APY changed on XX/XX/XXXX : The question is about XX/XX/XXXX statement not XX/XX/XXXX. This is how the interest is calculated they sent an XXXX sheet with daily interest accrued : The question is about APY not about how the dollar amount of the interest is calculated. I am very concerned about the inaccuracy and inconsistency in the APY applied to calculate interest on these accounts. It is possible that thousands of other customers may also be affected with similar issue. Besides the miscalculation of total interest earned, there is serious question about the trust in the workings of EverBank-TIAA. Customers do not have time to calculate interest every month or to check if correct APY is applied for the calculation as we trust that the bank will correctly do that work for their customers. If we can not trust a FDIC insured bank for their workings as it affects their customers especially for the APY used for interest calculation, then there is a big problem. During the times when the interest rates are higher, incorrect use of APY could potentially lead to a significant amount of money lost by thousands of the customers. I urge Consumer Finance, and other banking regulatory agencies of the US Government, to investigate this matter further in detail for possible ongoing problems with EverBank-TIAA, FSB so that I, and perhaps other consumers, am not adversely affected with similar issue in the future ( and in the past - which I may not be aware of at this time ). Thank you for your help. Their address : EverBank XXXX XXXX XXXX : XXXX XXXX XXXX, NY XXXX XXXX Headquarter XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
10/25/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19027	Web
Hello ... My name is XXXX XXXX. I've been a resident of my home since XXXX. I paid my mortgage consistently until XXXX ( despite going thru a VERY nasty divorce during that time ). However in XXXX, I was forced out of work for 2 yrs due to a legal issue regarding my son. In XXXX I obtained employment and attempted to modify my mortgage... was approved but was laid off 6 months later leading to default. As a resolution, the NEW lender TIAA put me in a 2 yr repayment program however the amount we initially agreed to vs the final amount they came back with varied by a large margin causing a significant strain that wasnt maintainable ... I asked for help to something more reasonable and they declined to do so..at that point, I was forced to default but attempted to short sale the property as I felt out of options ... .however, TIAA rejected multiple offers with no counter proposal and the buyer walked... so the process started again ; and then the pandemic began which forced me ( like millions of others ) out of work for nearly 2+ yrs. In the meantime I started an XXXX and attempted again about a yr. ago to do another modification however, after getting conflicting information regarding documents sent and received the process stalled. In the interim, I continued to build on my business and pay down other debtors, And am attempting yet again to do a modification. That said, I called XXXX on XX/XX/XXXX, Spoke with XXXX, requesting a packet and was told by her it takes 2-3 days to be processed but once an XXXX gets the file, they can request a stop be put on the sale date ... I was told I would receive my packet within 7-10 days..the first week of XXXX upon not receiving it..I called again, got another person who stated they would send it out same day but that I could also pull it from online ( however I don't have access to a Printer as I do everything digitally ao woukd be hard to wet ink ). On the XX/XX/XXXX, the modification package finally came ( both did ). I gathered all docs requested including Hardship letter, explanation for no tax returns ( new XXXX as well as pandemic the yr prior ) ... and 3 months of statements for both business and personal... compiled that information and completed the modification application..I called on XX/XX/XXXX prior to submission to confirm I had everything BUT was told I couldn't be helped because it wasnt enough time which was confusing... and was advised to contact alternative solutions and mortgage agencies for further help. So, I reached out to XXXX and XXXX for help.XXXX scheduled a consult and confirmed based on same submitted docs I more than qualified financially for a modification ... furthermore brought to my attn that the documentation that came DIRECTLY from XXXX states that so long as my documents were in by XX/XX/XXXX ( see attached ), assistance would be provided ( which conflicted with what I was told on XX/XX/XXXX ). So, I submitted the packet in full on Monday XX/XX/XXXX, following up to confirm on XX/XX/XXXX and was advised by XXXX that some dates and small pieces of unfilled info needed to be completed along with a copy of my letter showing the tax extension I filed for my XXXX. I resubmitted all of that information on XX/XX/XXXX. I followed up.again and was told it takes 24 hours to show up but that I couldn't be helped until then. I called on Monday XX/XX/XXXX with a 3rdbparty present for an update and was told the documentation was in but that it hadn't been updated on their end but that it would be escalated. I called again today and with another 3rd party present, was told they didn't even have any information in the file for me and that now it takes 30 days to decision ... I then had the call escalated and got a supervisor named XXXX, who was alot more helpful tho he even initially said he didn't see it either but upon digging in eventually found it, and that it still hadn't been submitted to the processor for the XXXX to review MEANING it sat 2 days not even looked at or forwarded to the right folks. Eventually he did say he escalated it and would followup but now bc of the timeline said he may not even be able to help with resolution ... the sad part is, I make more than enough to handle a modification ... its time that's the issue here and the fact that I've been given conflicting and contradictory information for weeks throughout this process from a loan servicer who's suppose to help find resolution. I'm simply asking for a fair opportunity to have my loan reviewed and a modification completed especially since this is a private lender who doesn't govern by traditional govt funded ( XXXX ) property rules and regulations... .its a win win for all sides for me to remain jn the property vs TIAA losing it for pennies on the dollar or me having to find a new place to call home with XXXX XXXX in the middle of a critical yrs of XXXX. Please help me.
11/04/2022	Yes	Checking or savings account Savings account	Managing an account Fee problem	ID 83616	Web
We are asking for a full refund of predatory fees charged by TIAA on our XXXX XXXX money market account. We have been a VIP client with EverBank/TIAA since XXXX and, in XXXX, we put {$350000.00} worth of euros and British pounds into an EverBank money market account. When we logged into our account on XXXX XXXX, XXXX, we discovered that for the last two years the XXXX XXXX department has been withdrawing approximately {$850.00} every month from our money market account in fees. Over time, this has added up to {$20000.00}. We were not aware that there had been a change to our account so, as soon as we saw the charges, we called the XXXX XXXX department. When we asked for help reversing the fees or for the department work with me, we were transferred to XXXX XXXX, who flat out refused to help. He simply stated that the fees were a result of negative rates set by foreign banks. We were not satisfied with XXXX XXXX response, so over the period of three days, we called the department about five times and each time we were transferred to XXXX XXXX. Each time, he repeated the same thing. His argument was : the bank had notified us by sending one email to us two years ago ; the bank had posted something on the website two years ago ; and he said that we should have noticed the fee on our statement. Let us address each of these arguments. ONE EMAIL/A POST TO WEBSITE : Especially as a VIP client, it is unreasonable that one email, which most likely went to spam, was appropriate notice of the addition of a 3 % monthly charge to our account. The chances that we were going to find such an important email is close to zero. In addition, it is absurd to think that we are checking the banks website on any regular basis looking for a posting about this kind of change. Instead, at the bare minimum, we should have received a call, a letter, and several emails that were marked as urgent. FEE ON STATEMENT : As for noticing the fee on our statement, we put our money in the bank for safe keeping. And since we have been saving this currency for the future, we have not had any activity in the account. When we glanced at the statement every month, we simply thought the reduced value was because the euros and the British pounds value was dropping. It never crossed our minds that there could be an unknown fee added to our account, so therefore it didnt occur to us to look for it. Even more important than what we did or didnt notice and why we may not have noticed : It is the banks job to make us aware of new fees. If the bank is relying on us to decipher that there is a new fee on our account, then it is a deceptive, even fraudulent, fee. Simply put, it is the banks job to ensure their customers know about new fees, not the other way around. In addition, XXXX XXXX of TIAAs XXXX XXXX department is either ignorant of the banks fees or knowingly lied about the purpose of the fees. XXXX XXXX said that the bank was just covering costs and that the bank had not made any money from the fees. He claimed that they were only imposed to cover the banks costs due to negative interest rates from XXXX XXXXXXXX XXXX. To check the validity of this, we spoke with the XXXXXXXX XXXX in XXXX on XX/XX/XXXX and learned the following : From XXXX to XX/XX/XXXX, the rates were between -0.4 % and -0.5 % annually, which would have accumulated to approximately {$3000.00} in fees on our account. Instead, we were charged -3 % annually, which has added up to {$20000.00}. This is a very big discrepancy and is clearly more than covering costs. Additionally, as soon as we called XXXX XXXX on XXXX XXXX, XXXX, he told us that, as of this month, they stopped charging the fee. The timing of this sudden reversal is very suspicious. The last charge on our account was on XX/XX/XXXX, so the fee was still being charged as of earlier in the month. Additionally, had the fee been connected to the XXXXXXXX XXXX XXXX XXXXXXXX negative interest rates, as XXXX XXXX claimed, then the fee should have stopped as of XX/XX/XXXX. As a result of these fees and XXXX XXXX lack of willingness to help, we were forced to liquidate our foreign currencies, withdrawing nearly {$310000.00} from the bank at a major personal loss. We need help addressing these alarming practices that prey on customers who simply trust that they put their money in a bank where it is safe and secureand we would like a full refund of the {$20000.00} worth of fees.
09/13/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 94303	Web
This is regarding EVERBANK LOAN NUMBER XXXX ( HELOC ) for XXXX XXXX and XXXX XXXX. We closed on this loan in XX/XX/XXXX. As part of the terms of the loan, we could draw an additional amount on the loan beyond what was used for downpayment. The loan has been in good standing since close of escrow. In XX/XX/XXXX of XX/XX/XXXX we needed to draw on our remaining funds from the HELOC and initiated a wire. A wire transfer form was sent to us. As the form contained some ambiguity, I made a phone call and was transferred ( on a recorded line ) to a HELOC specialist. This call took place on either XX/XX/XXXX or XX/XX/XXXX. I requested that the associate walk me through the form. In fact, even after our first phone call, there was some ambiguity about address ( bank or homeowner? ) so I initiated a second call ( also on a recorded line ). During one of these calls, I specifically asked about transferring funds from this jointly held ( myself and my husband ) loan to my SOLE checking account. Her response was that it was not a problem, as long as ONE of our names was on the checking account. In fact, she put me on hold while she went to inquire about this. I then submitted the form with both of our IDs that day ( government issued IDs were requested. ) Several days later either myself or my husband were called and informed that my husband must provide a letter that it is ok that these funds be sent to my sole account since he is joint borrower. We inquired about why we were told differently during our first phone call, but were not given a clear answer ( again on a recorded line. ) He sent the letter promptly the same day. We also requested that we be contacted by email, but the associate, XXXX XXXX, stated that Everbank does not communicate by email. Prior to hanging up the phone, he confirmed that all else in the file was complete. Several days later, again, I was contacted and told that I had to submit my passport. I informed them that I had provided the required government ID, my Driver 's License. They stated that this was inadequate. They stated that since I opened the loan with a passport, I had to always provide a passport. I then emailed XXXX XXXX and inquired to see a company policy stating that this was the case. I then received a phone call from a supervisor who again informed me that Everbank does not communicate by email. She also stated that I needed to be cooperative if I wanted my wire. It was becoming obvious that Everbank was establishing delay tactics for releasing our monies. We did not have checks readily available, so a wire was our only option. I sent my passport to XXXX XXXX on XX/XX/XXXX, as instructed. I never received a response. Anticipating that the wire was being processed, I waited several days and called again to get the status. On either XX/XX/XXXX or XX/XX/XXXX, I began calling Everbank to affirm that the wire was going to be sent. I was told that since Hurricane Irma was moving in, the emergency team was in place, and that the regular staff was not available. I was routed to " XXXX '' who did not have access to my passport which I had sent. At this time I was out of town and could not easily retrieve the file which I had previously sent. On Friday, I again called and was told that they could not retrieve the information which I had sent, and that they did not have access to XXXX XXXX 's files. On Monday XX/XX/XXXX, I called early in the day and was told all was well and they were processing the wire, and that it would be sent out by COB that day. Mid-day Monday ( XX/XX/XXXX ) I again received another phone call stating that they did n't have my passport, because they could n't " retrieve it '' from their system due to the storm. They stated they did n't keep their documents in one place. I was asked to be patient given the weather conditions. I immediately resent my passport. On Tuesday XX/XX/XXXX I called Everbank again and was again told the wire was processing. I demanded to stay on the line until the money was wired to my XXXX account. This took just under an hour. It took from XX/XX/XXXX ( when I was told I was compliant with submisison of my documents ) until XX/XX/XXXX to receive my wire - for which I have a promissory note entitling me to these funds. This is excessive and suggests deliberate delay in release of funds. Review of conversations which were purported to be on a " recorded line '' should be reviewed.
02/01/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	NY 10467	Web	Servicemember
I have been working on my non traditional VA Loan with Ever Bank, and have come across numerous obstacles in lure of delaying so my contract will run out and not to receive a closing date. I have written to Board Members for over the past month and at first it seemed to get better, but yet it has become worst. On XX/XX/XXXX two days before my closing I received an email from XXXX XXXX stating that he was canceling my loan due to not speaking to me over the phone and he did not want to have continual communication through email. He stated he wanted to answer my concerns on the VA. By this time I have stated several times to XXXX XXXX , that I did not have concerns regarding the VA and stated facts and documents what is suppose to be put in my VA file, and also stated that I have documentation form the VA that they are ready to close and the lender needs to close the transaction. I also had expressed this to the board and sent the documentations as well. I also exclaimed that I had complied with all the documents that he had asked me to resubmit because the previous loan officer and XXXX XXXX and lost my documents, I had purchased home owner insurance policy as he requested, and stated that the Title Company is ready for closing as the previous loan officer XXXX XXXX XXXX had told everyone last month we were ready to close. I also told XXXX XXXX that we agreed to communicate through email because I am always available through email and it would move the process along faster. I have always communicated promptly, unlike Ever Bank which includes XXXX XXXX taking weeks on end to respond to an email, but not answering my concerns, but coming up with new tactics on delaying my closing date. I also stated I had asked for an updated checklist on the commitment letter stating what is completed, and to remove items on the list that stated it can not be fulfilled until closing. I never received a response from XXXX XXXX or the board members. OnXX/XX/XXXX, I received an email from XXXX XXXX stating that they declined my loan because I would not get on the phone and because my Fico score is too low and the VA requested it. I was astonished that XXXX XXXX would state this because it is not against bank polices and procedures to cancel a loan on making a phone call, as well as the VA does not require scores for a non traditional VA Loan, which is why we did a credit supplementary, which XX/XX/XXXXagreed it was taken care of, after I had to write to the board members about XXXX XXXX and his colleagues positioning obstacles being well aware that it was and non-traditional VA loan and not wanting to accept my credit supplementary, which included my rent payment history, where I have been residing for over 43 years. I have sent XXXX XXXX polices on what the VA looks for but he has refused to respond. My daughter decided to write on social media to express our experiences on TIAA XXXX page, we received a phone call from EverBAnk. The call was from a man named XXXX, which he seemed to be helpful at first but he sneakily put me on the phone with XXXX XXXX after we discussed that he would move my case to another office such as XXXX or California. I called XXXX back which he exclaimed he connected the call by accident and would give someone a call from another state. He then connected me in a 3-way conference with a man named XXXX, which first stated he was in the same office with XXXX XXXX then changed his mind and stated he is in NJ, once I recognized he works with XXXX XXXX Then they hung up the phone on me. My daughter decided to write on social media again to bring awareness about our experience, and TIAA started to mark her comments as spam and deleting some of them, by daughter started to make it know and TIAA social media monitor wrote us back about calling us and we have not received a phone call back. I believe they are delaying because they do not want to resolve the problem and they know my closing date was suppose to be todayXX/XX/XXXX. I would appreciate your assistance in this matter and will happily forward any documentation needed at your request. I hope no one will go through what I have been through. As a Veteran I have fought for this country and I finally found my dream home and Everbank and TIAA are making it impossible. Thank You.
06/12/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 104XX	Web
I was a victim of fraud when I used to be a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My former checking account that I used to have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been opened up by me either in XX/XX/XXXX, or in XX/XX/2017, if I had remembered the year accurately enough, that is. Well, I had met a guy named XXXX XXXX on the XXXX XXXX, XXXX dating site, in which he tells me that he is also known as XXXX XXXX because his father 's 1st name is XXXX. Okay. Well, I never had seen XXXX XXXX before in my whole life in person. Okay. I only had socialized with XXXX XXXX through the XXXX XXXX XXXX dating site, as well as through the social media apps, such as the XXXX app, the XXXX XXXX app, and most recently through the XXXX XXXX app. XXXX had told me in the past that he was stranded in XXXX XXXX, and XXXX was asking for me to help him out, so that way, he can have an easier time getting access to his money from a security company that had held onto his money shortly before the security company had went out of business. Okay. Well, meanwhile, XXXX was trying to get his money transfered out of his security company and into my former checking account that I used to have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, XXXX did not transfer any of his money of into my former XXXX XXXX XXXX XXXX XXXX XXXX XXXX Neither did he use a check in order for him to do any kind of a mobile check deposit of any kind. Okay. XXXX XXXX had told me that he had depended on a XXXX guy who works for XXXX XXXX XXXX XXXX to transfer some of XXXX XXXX money out of XXXX 's security company, and into my former XXXX XXXX XXXX XXXX XXXX XXXX checking account. That XXXX guy from XXXX XXXX XXXX XXXX had deposited a fake check into my former XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account via mobile check deposit. XXXX XXXX XXXX XXXX, by the way, is located in some part of XXXX, in XXXX. Okay. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account had gotten closed up as a result that XXXX guy from XXXX XXXX XXXX XXXX depositing a fake check into my former XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account that I used to have with that bank. Okay. I had asked XXXX XXXX, why did he depend on that XXXX guy from XXXX XXXX XXXX XXXX, in order for him to try to transfer XXXX XXXX money out of his security company, and into my former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. checking account that I used to have? And that's when XXXX XXXX had told me that he was in a rush for him to hurry up and go to the airport in XXXX XXXX, in order for XXXX XXXX to go purchase an airline flight ticket, so that way, he can be able to finally leave XXXX XXXX, in order for him to come back to the United States. Therefore, because of the fact that XXXX had said that he was in a rush to hurry up and get to the airport, in order for him to go buy himself an airline flight ticket, that XXXX had told me that he was trying to save some time, by trying to get a staff worker from XXXX XXXX XXXX XXXX, in XXXX, to transfer XXXX XXXX 's money from XXXX 's security company to my former XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account for XXXX . Okay. However, it was unfortunate that the staff worker from XXXX XXXX XXXX XXXX, in XXXX, had supplied XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a fake check into my former checking account, via mobile deposit, and I did not know about the fraudulent transaction until after the fraudulent transaction activity had occured. Okay. I have only had the opportunity to have telephone conversations with XXXX XXXX, via telephone calls, as well as via text messaging, but I never have had any moment of opportunity for me to communicate directly with the XXXX guy who works for XXXX XXXX XXXX XXXX, because my XXXX cell phone does not allow me to make any phone calls to any part of XXXX, whatsoever. I don't know about to the rest of XXXX, because I haven't even asked my XXXX cell phone carrier that question yet. Okay. My XXXX cell phone carrier is XXXX XXXX XXXX XXXX XXXX XXXX.
06/14/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 550XX	Web
On XXXX/XXXX/XXXX I sent a letter to Everbank requesting removal of my PMI insurance. After many back and forth conversations with XXXX XXXX XXXX XXXX the appraisal company for Everbank. I was able to speak with XXXX XXXX ( from Everbank ) on XXXX/XXXX/XXXX. My goal was to understand the requirements needed to remove PMI. XXXX told me my home would need an appraisal, that my loan to value ratio needed to be at 75 % and that appraisal would stay on file for 120 days. I could not understand why the 75 % requirement was in place given that everything I had heard was 80 % nor could I understand why the appraisal would only be on file for 120 days considering our loan was done in XXXX through a XXXX program and no appraisal was done at that time. Since XXXX could not properly answer my questions or help me understand why certain policies were in place we decided to not move forward with the canceling of PMI. On XXXX/XXXX/XXXX within our annual tax documents from Everbank there was a flyer that stated " Important Notice to Minnesota Mortgagors ''. Within that document it stated that you had the right to cancel at if the loan is 80 % or less of the current market value of your home. Upon reading this I assumed a mistake was made in XXXX. I was finally able to speak with someone from Everbank XXXX XXXX XXXX to help me on XXXX/XXXX/XXXX and we started the process to remove PMI again. I spoke with XXXX that day as well and paid them {$450.00} and set up a home inspection for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX with the help of XXXX I received an email from XXXX XXXX ( from Everbank ). Within that email she included a copy of a letter that was mailed to me on XXXX/XXXX/XXXX. Within that letter it stated my home had appraised at {$170000.00} and my current principle value was at {$140000.00} and I therefore did not meet the 75 % rule to cancel PMI. I called the number at the bottom of the letter and spoke with XXXX XXXX XXXX ID XXXX ). I again asked why my home had to appraise at 75 % and not the 80 % that was sent to me on my tax document flyer. She put me on hold multiple times and had her supervisor XXXX XXXX employee ID XXXX XXXX look at my account. XXXX told me if I could pay my principle balance down to 80 % in the near future than PMI could be canceled. I confirmed this fact with her multiple times and asked for the name of the supervisor that helped her. On XXXX/XXXX/XXXX I made a payment of {$8300.00} from XXXX 's advice on XXXX/XXXX/XXXX to cancel PMI. While she could not give me the exact amount as I said she confirmed that getting my balance to 80 % would stop PMI. {$1200.00} was for my normal payment and {$7000.00} was for principle reduction. That payment reduced my principle balance to {$140000.00} which is 79.57 % of the appraisal dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from XXXX XXXX of Everbank again telling me my right to cancel PMI was denied because I did not meet the 75 % rule. The most hurtful part of the letter was they referred back to the XXXX/XXXX/XXXX letter as if I did not see it or follow it but no where did they mention the XXXX conversation I had with XXXX or the tax flyer they sent me. I did look up the information on the tax flyer ; they are referring to Minnesota statutes of XXXX XXXX. The verbiage within their flyer matches the suggested text in XXXX. XXXX. I 'm incredibly disappointed that I could not speak with someone to help me. I 'm disappointed that they would send me mixed messages so I have no idea what is going on. I have never missed a mortgage payment and this frustration with Everbank has now been going on for 6 months. Why would they contradict my state 's laws around canceling PMI? Why would they intentionally mislead me into making a large payment if they had no intention of canceling my PMI? That was almost all my savings. Now I 'm stressing out if an emergency comes up for which I do n't have the money saved for.
03/20/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94550	Web
We chose to enroll in the mortgage forbearance program at the start of Covid with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with TIAA took less then 60 days. Our main mortgage loan was sold to the XXXX right about the time our repayments were starting. XXXX was then our servicer and TIAA still the investor. We were asked to fill out the same information for XXXX to restart mortgage payments. Our packet was determined complete on a voice recorded line and XXXX stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out XXXX needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because XXXX was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which XXXX contacts us is very inconsistent. XXXX then reported us to the credit bureau and stated we did not pay for 36 months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for Covid. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example XXXX stated we would be able to move forward with payments on XX/XX/XXXX. XXXX sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from XXXX. XXXX has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was 4.125 % over 30 years. A rush was recently put on our completed application since our application has been completed three times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day three to seven. XX/XX/XXXX was the seventh business day and XXXX had no answers for us. XXXX stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( TIAA ) is not responding to them yet we had our Heloc in the repayment phase in less than 60 days with the bank TIAA. We continue to do everything in our power to pay our loan. The ball is in XXXXs and TIAAs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report XXXX made on our credit. During this process we are unable to pay our mortgage because of XXXX, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatened by XXXX / TIAA to loose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that XXXX / TIAA is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 94550	Web
We chose to enroll in the mortgage forbearance program at the start of Covid with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with TIAA took less then 60 days. Our main mortgage loan was sold to the XXXX right about the time our repayments were starting. XXXX was then our servicer and TIAA still the investor. We were asked to fill out the same information for XXXX to restart mortgage payments. Our packet was determined complete on a voice recorded line and XXXX stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out XXXX needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because XXXX was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which XXXX contacts us is very inconsistent. XXXX then reported us to the credit bureau and stated we did not pay for 36 months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for Covid. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example XXXX stated we would be able to move forward with payments on XX/XX/XXXX. XXXX sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from XXXX. XXXX has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was 4.125 % over 30 years. A rush was recently put on our completed application since our application has been completed XXXX times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day XXXX to XXXX. XX/XX/XXXX was the seventh business day and XXXX had no answers for us. XXXX stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( TIAA ) is not responding to them yet we had our Heloc in the repayment phase in less than 60 days with the bank TIAA. We continue to do everything in our power to pay our loan. The ball is in XXXX and TIAAs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report XXXX made on our credit. During this process we are unable to pay our mortgage because of XXXX, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatened by XXXX / TIAA to lose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that XXXX / TIAA is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment.
11/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48178	Web
I need a written audit of my mortgage and processed at Tiaabank.com. Numbers and dates are not adding up, and I've requested an audit on three different occasions. My payments are due on the XXXX XXXX XXXX XXXX. The system is constantly showing that my next payment isn't due until the month after next. I have concerns that the bank miscoded a double payment, that I verbally confirmed with them about making a principle only payment as a regular payment. I have placed multiple calls and even started recording the calls. The incompetence and/or blatant unwillingness to cooperate have gotten to the point where I need to start filing complaints with government agencies that regulate their business. This unwillingness to cooperate leads me to believe they've made other mistakes or committed fraud and are unwilling to share the transaction records. I have repeatedly asked for a written audit trail delivered by USPS mail, and I get nothing but a simple statement of what's currently owed and the next payment due date. We can send it via encrypted email that expires. No, thank you. I've been down that path with you. A telltale indicator of a financial institution committing fraud is their refusal to send documents by USPS mail. Their evasive practices and unwillingness to reveal their calculations are of serious concern. XXXX 2020, I switched bank accounts used for auto-pay of my mortgage. I sent in the new forms. Confirmed they were received, and we're good to go. I suspect some delayed process kicked in, and I received another form letter from TIAA Bank in the mail that my auto-payment had been canceled. This was received near the end of the month near my payment due date, and I would need to make payments by mail or IVR in the future. Worried that something went wrong, I made an additional {$1800.00} payment by IVR. Well, they took out the auto payment from the new account anyway despite the letter. This resulted in a double payment. When I called, an agent looked into this and said it was a letter was about my old autopayment was canceled. However, the system generated letter specifically stated I needed to make manual payments. Their business process letters are not sophisticated enough to address a client switching banks and created confusion. The agent promised me this would be made a full {$1800.00} principal-only payment. I agreed to have the extra payment processed as a 100 % principal-only payment. I kept noticing that my payment due date was always incrementing by well over 30 days. This would indicate that TIAA Bank accepted the {$1800.00} as an advance payment and collected interest in advance to which they are not entitled. When I called again to inquire, the agent didn't see records of an {$1800.00} principal-only payment. ( Which would be consistent with them advancing the due dates ). When I ask for a full audit with a supervisor. It takes multiple weeks for the paper to arrive and then at that point, it's a simple balance and payment due statement. We had 100 % clear communication as to what I was asking for. I don't know if I have to file a suit and subpoena the information. I'm hoping that this complaint generates a professional response. As a consumer, I should have a right to get detailed information about what they consider the interest and what they consider principle as I repay my loan in a timely fashion. The actions of TIAA Bank have effectively refused to provide me this information. I can accept bad business practices and confusing letters. I can accept agent mistakes. I can accept poor agents. I've escalated to supervisors at their call centers and still am not getting results. I can not accept a 100 % refusal to provide clear and transparent documentation of their record keeping. Thanks, XXXX
02/28/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 32258	Web
In XX/XX/2017 we ( my girlfriend and I ) began applying for mortgages to buy a house, and decided to go with XXXX because they offered the best overall rate package for us. We both had excellent credit scores in the high XXXX, and enough debt-income ratio to cover the payments. ( it is this debt-income ratio that will come into play later on ). We were issued a pre-approval letter accordingly. The goal was to close on the property before XXXX XXXX in order to keep the homestead exemption and make taxes easier to deal with. Some history : I am a XXXX XXXX ( XXXX XXXX ) by trade, I have run my own business for 17 years. I own two properties, outright ( no mortgage on either ), one in the USA ( annual property tax {$1300.00} ) and one in XXXX ( annual property tax {$130.00} ). The only debt I had was on one auto loan which is about 2/3 paid off, and +- {$3000.00} in credit cards. My girlfriend owned no properties, had no mortgages, and had one auto loan with about {$11000.00} outstanding. We are both gainfully employed. The loan amount on the house was {$280000.00}, with 20 % down. Everything was going well, but at some point we began to be badgered for little details about the XXXX property that I managed to dig up paperwork on to prove this or that ( first they wanted proof of ownership, then they wanted proof of the annual property taxes, etc ) it was very difficult to get this information from the USA but not impossible, and I kept supplying it to them. Each time I would furnish adequate documentation, they would become more and more demanding. In this case, they were downright obsessed with the property taxes on my XXXX property ( annually {$130.00}! ). I suspected something had gone awry even if the property taxes there were the same as they were in the USA, it still would not sway my debt/income ratio enough to break anything. My growing impression through the whole thing was that the underwriter had taken some personal dislike to me and was trying to find some way to say no ( a suspicion I would find true later ). Closing day ( XX/XX/XXXX ) got closer and closer, and still no word from the underwriters. Finally, on the XXXX, two days before closing, we were told that we must pay off our auto loans ( again, not enough to sway our debt/income ratio ) or the deal was off. 2 days before closing? This sort of thing is addressed at the BEGINNING of the loan application, not two days before closing. We could have paid it off, but not in time for closing and not in time for the XXXX XXXX deadline. Everyone was surprised, not just us. The realtor and and the title company were both so surprised that they both recommend I take this to the CPFB when it was all over. So we did eventually close, but here is the funny thing we had to remove my name from the mortgage and run it solely through my girlfriend, who has more debt than I do, no wholly owned assets to her name, and has only had her present job for less than 2 months. With that, they managed to put it in the hands of a different underwriter and push it through to close before XXXX XXXX. So in asking around, I dug up little tidbits of information from my realtor and my mortgage broker, which confirmed my suspicions the underwriter XXXX me and saw that I am an adult media creator, took a personal moral grudge against me, and decided to take it upon themself to make my application as difficult as possible, probably hoping I would bail and seek another lender. And since I was able to continually provide them with the annoying little bites of documentation they requested over and over ad nauseam, they decided to try and sabotage the process last-minute with the auto loan payoff demands. Its as simple as that.
09/09/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 01902	Web	Older American
On XXXX XXXX, 2015 I closed on a XXXX mortgage, the proceeds of which were used to purchase a XXXX home in XXXX XXXX XXXX FL. The lender was Fl based EverBank XXXX credit scores were XXXX, Loan/Value was & lt ; 50 % XXXX debt servie ratios were & lt ; 10 % of income. Simple loan. I was told to bring a bank check to the closing at their title company 's office in XXXX XXXX. No problem. I brought a cashier 's check drawn on my Federally insured XXXX based credit Union ( with over {$XXXX} XXXX XXXX ). I was told that they would n't accept the check because it would take 2 weeks to clear ( obviously not true, with image cash letter technology, it clears overnight or faster ). And, as you well know Official bank checks have been commonly used for residential mortgage closings for decades. So I had to get a wire out of my of my credit union. Big surprise and not easy! The incompetence of the EverBank and its title company turned what should have been a XXXX minute closing into a XXXX hour ordeal.. At the time I decided that I am going to get as far away from EverBank as fast as possible. Over the last 3 months I found that to be way more difficicult than it should be. In XXXX I wanted to make a $ XXXX payment via ACH. It was rejected ( no ACH payments over {$9900.00} allowed ). I called to see if they would accept a wire. Of course not, I had to send a payment by check to a special address. Great! I followed the instructions, but it took a week from the time I mailed it until the time it got posted to my mortgage. Looks to me that they take their time posting checks, so from then on I sent checks USPS Overnight Mail, Return receipt. In XXXX I sent a check larger than the loan balance and one week later I received the check back in the mail with a form letter and a box checked : " X Personal/ business checks not accepted for payoff ''. Obviously they want to continue accruing interest for as much and as long as possible. So I immediately sent a check for {$1000.00} less than the XXXX they mailed back, which they posted. Little did they know or care that the first check ( the XXXX they returned ) had to be posted as required by Federal Banking Law ( Reg Z prompt crediting rules, as recently amended per the requirements of Dodd Frank ). By the way banks have been posting checks promptly in that situation for decades. Now I am trying to pay off the remaing {$1000.00} which you think should be easy. After all I have about {$9000.00} in escrow funds, XXXX the loan balance. The escrow balance is so high because they forced me to start the escrow with $ XXXX even though the Homeowners Ins was fully paid for one year prior to closing and the real estate taxes was paid ahead over six months. Why not just take it out of the huge escrow balance and send me a check for the remaining escrow balance ( $ XXXX ). There is no way that these trained obstuctionists ever due any thing that simple or customer friendly. Currenly I am awaiting a form in the mail for a payoff. Of course, they want an official check or a wire to pay off the loan. It is very difficult wading through a mass of undisclosed rules that have no basis inlaw, finance or logic. The lesson to be learned here in XXXX with EverBank. Thes guys give bankers a bad name and should be banned from the mortgage banking business. I take some blame for not doing research on line on this company ( apparently a widely hated institution ). I incorrectly assumed that a {$22.00} XXXX Bank could handle a simple transaction competently and ethically. I would appreciate your prompt attention to this matter. Below, in reference to the part of the process that my issue is related to, it is both signing the agreement and making the payments.
11/04/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	SC 29212	Web	Servicemember
I took the liberty of researching your contact information because I would like to share what I 've experienced as a result of being a long term customer of EverHome Mortgage. A partnership that I am now looking at changing no matter what the expense is because of the unprofessional treatment I have received from your company during my time of need. We 've always been great customers up until my husband was unemployed and then the chips started falling. This is the email that I 've sent to their company but was not sure if it would reach the right people. I actually was hoping XXXX you would forward this email to the right person. To summarize for you, my husband was in charge of our finances. Long story short, he fell behind two months prior to when I received the certified letter stating what our situation was. I was crushed to say the least. Disappointed and hurt, I called your company to see what needed to be done to get us back on track. I was rudely and unprofessionally treated by all of your personnel including my specialist XXXX. They never discussed what my options were but demanded disrespectfully what I needed to do immediately. My situation was awful because not only did my husband mislead you but he misled me as well. I was dealing with a liar of a husband who not only did n't pay you but other lenders as well. your representative did n't not take under consideration that I was calling to reapir what was broken. They demanded 3 months of payments when I was only behind XXXX along with some late fees. I borrowed the money from my parents and asked what I needed to do to make all of the harassment go away. XXXX got on the phone and explained and talked to me like a human being. She empathized with me and told me what fees were what and asked me what I could do. I paid for two months along with XXXX in late fees, property inspection and bad checks that my husband had written. I then made a postdated check for that third payment to have been withdrawn by the XXXX. ( within the grace period ) When I looked up my payment online it still showed us owing the XXXX. I was told that I had to pay it ALL again. Even after I was told that I was done when I paid the exact same fees on XXXX XXXX. I paid XXXX, XXXX on XXXX. I asked to speak with a manager but was told I needed to speak again with my unprofessional assigned specialist, XXXX. She actually refused to come to the phone to speak with me. She relayed a message to the representative that there was nothing that she could do. I must simply pay it. They said they could waive the late fee IF I had n't requested that within the last 12 months. Of course we had n't because we are not told anything. Even though my husband was unemployed for almost a year, they did n't advise us of any assistance out there. We are still regrouping. After placing some reviews on the internet about this poor service, I 'm also going to the XXXX for I will not tolerate this lack of respect from any of them again. I 'm also looking into going with another company, even if the interest rates takes advantage of me more than what your company is doing. I 'm done. Even when they knew my husband was unemployed and we were a family XXXX living on XXXX income, and educator 's income, they never told me about the XXXX program. Or another assistance for that matter. They should really clone XXXX XXXX and her immediate supervisor because their entire staff is toxic! I ca n't even contact anyone from their head quarters to share this concern. Very displeased and done customer for almost 14 years of EverHome bank. ( not by choice, our mortgage was sold )
12/03/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 91406	Web
EverBank, Inc XXXX Website : www.everbank.com XXXX XXXX XXXX, XXXX, FL XXXX. On XX/XX/2016 I spoke with XXXX # XXXX, XXXX Employee # XXXX And XXXX XXXX/Supervisor. I informed all XXXX employees that my online checking accounting would not allow me to do external transfer and instructed me to contacted EverBank. I have made many external transfers in the past so I 'm familiar with the steps. However, all three employees failed to assist in solving the problem and failed to resolve the problem. XXXX did n't understand my request and hanged up the phone and XXXX refused to help solve the problem and threaten to close my account by sending me a check. As the bank is in Florida I requested a faster resolution so the external transfer can be done which is faster as bills needed to be paid. I repeatedly checked and on XX/XX/2016 the issue was never solved despite ample time. I spoke with XXXX XXXX # XXXX who initially refused to give me her employee # and upon learning of same problem that I 'm unable to make an external transfer and website instructed me to contact Everbank customer support she said there 's nothing she can do. She refused to answer if there was a tech problem and stated I had to wait 3 days to hear from tech support. I called back & spoke with XXXX # XXXX. She understood the problem and stated she all she could do was send me a check with a limited dollar amount. The amount is less than what I requested. Summary of complaints : 1 ) Everbank purposefully will block external transfers and despite reporting this problem with numerous staff ; Everbank will not resolve the problem 2 ) Everbank illegally prevent client from having access to their own money. 3 ) Everbank did not allow me access to my money of over XXXX dollar. 4 ) Everbank delayed resolving the issue that they were aware of since XX/XX/2016 which to date is a delay of one week 5 ) Everbank may resolve the issue week of XX/XX/XXXX, but until it happens it is just a verbal claim which has failed before. 6 ) Everbank staff members provides very poor customer service as upon learning of the problem will hang up versus assist the customer. 7 ) Thank you to XXXX # XXXX She was understanding of my situation despite stating she 's unable to help and I will have to wait at least another 3 days before the issue will be looked at. In total it is at least 9 days wait and until I receive my money it probably will be longer. 8 ) I have another account with Everbank and I 'm told I have to wait until XX/XX/XXXX before I can request my funds from that account. I have proof via recorded phone calls and screen shots taken from computer of dates and time that I have attempted to withdraw my money but Everbank illegally kept my money for at least 9 days even though they were aware of my intent to gain access to my funds. Please publish this complaint as a warning to the public. It is wise to have a brick mortar bank where you can go in person. Everbank is an online bank and they operate like a fly-by-night company because they will not honor a client 's request for access to their money. We work too hard for our money and it 's considered stolen property when someone intentionally prevents you from having access to your property. My issue is not solve and I am reporting stolen property which is my hard earned money. Please warn the public and please help me so I can get every penny of my money in both accounts in Everbank. I do not recommend opening an account with the bank please be warned. If you ca n't access your money when you need it and if the bank knows and wo n't release your money that 's a criminal offense. Thank you
05/03/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO XXXXX	Web
This complaint is in regards to the Financial Intelligence Unit and The dispute department. Mostly involving XXXX XXXX XXXX ( or XXXX ), and XXXX XXXX. Back In XX/XX/XXXX I had discovered a old roommate had gained access into my online account for the XXXX XXXX prepaid debit card. He even called in to the company using my name and information to have the password reset. I had just received a deposit from my sisters account at XXXX XXXX, it was some investment account she was closing down and the sum of that deposit was {$4900.00}. My sister was going into a treatment center and I had custody of my niece and nephew and the money was for XXXX and for her bills. The Roommate who stole the card and money had overheard or knew it was coming from just mine and my sisters conversations. I wasn't suppose to use that money for anything other then Christmas and bills so it sat on the card and I wasn't using it and had to reason to be going online and looking at it. When I finally did I realized that I couldn't log in and so I called in and found out that the Financial Intelligence Unit deactivated my card and that there was {$5.00} on it. I went into a panic and ever since the beginning of XX/XX/XXXX I have battled ad battled daily with the XXXX card as well as Ever bank FIU. I of course pressed charges on the guy who stole the card he was arrested he admitted to the crime when offered a plea agreement. The dispute was originally denied so I called back in and the reopened it because at that point I had all the court paperwork and the affidavit of the confession as well as documents from the District attorney stating the card had been compromised. The guy who did it plead guilty and is serving a community corrections sentence. I called in almost daily to these companies and was told that they had 90 days to reach a resolution on my dispute. I was told every time I called that F.I.U. are the ones who make the final call on this decision. So the 90 day mark came and went and still nothing. I called in 3 times a week and every time I called in i was told they were escalating it to upper management for review and they had 72 hours to respond. Not once had they responded. There was a transfer that was done for {$1500.00} that was suspected as fraud so they stopped it on another cardholders card he was friends with the guy who stole it. so they suspected fraud but yet when I file a fraud dispute they rule against me. That money is still on that card. They wont give it back, my lawyer reached out to the guy and he himself called in and they wont give it to him and they say the money will be released to the original remitter which is my sister or I. I had full power of attorney over all her finances and I have sent all that documentation in all notarized, My sister has reached out to them they guy who stole the card has even called in and no one is cooperating and it all centers around XXXX XXXX XXXX and XXXX XXXX not doing their jobs and the dispute department not doing their jobs. I even provided on the dispute the contact information to the investigators who were investigating it for criminal charges and they never once reached out to them. they didn't even look into my dispute and i'm suppose to receive and letter explaining the dispute process and why they decided what they did and i never got one and ive requested one many times. as of now Ever Bank FIU department has failed to protect me as a consumer and lied and i am out {$4900.00} as of XX/XX/XXXX and have been fighting this for 7 months. pages upon pages of emails where they just open a work order and close it no response
12/18/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CT 06511	Web
I requested a money transfer ( international wire ) from TIAA Bank the amount of {$10000.00} on a Saturday, XX/XX/2020 at XXXX ET to be sent to my uncle through his bank in the Philippines XXXX I immediately received an email with the document confirming my wire request and a summary of the details. The document said that a prepayment disclosure email was coming next and to " Keep in mind, international wires can take up to 10 days to be delivered. '' I received the promised email containing the DISCLOSURE document, which had the title head NOT A RECEIPT and stated the details of the transaction dated XX/XX/2020 at XXXX CDT/AST. It contained a document where I was asked to indicate that I authorized said transaction. I filled out the document and sent it back. Later in the day, I got a call from an agent from the bank asking details of said transactions. The woman from the bank was telling me she was making sure that the person I was sending money to is really my uncle. After the call, I was told that the wire process will be completed and that I will get a confirmation email with all the details. A couple of days later, no email came. The money was taken out of my account on XX/XX/2020, plus the {$35.00} fee. I called the Bank twice to ask about the confirmation email they promised and the OFFICIAL RECEIPT. I was told that the money was sent, and that an official receipt will be sent to me soon. Nothing in my bank transaction describes that I wired money to my uncle. The only thing that said was " XXXX XXXX '' in the amounts mentioned above. Today is XX/XX/2020. Eleven days have past. I had called my uncle 's bank in the XXXX and my uncle called the bank as well. The intended money has not arrived in his account. And TIAA Bank still has not sent me an OFFICIAL RECEIPT of said transaction. My uncle 's bank in the XXXX is asking for the reference number to trace the money, which was never given to me. I called TIAA Bank today. I was put on hold for a good 18 minutes, and in each 5 minute break the woman who was so nice in the beginning was very apologetic for making me wait for a long time while she's doing her research to " dig deeper '' into my case. Finally, she told me that " he '' is still looking for my reference number and for this, she will call me back. This is frustrating. TIAA Bank is a big bank. Not providing an official receipt and a reference number ON TIME is highly irregular. And they can not even find it. What's worse is that the woman who was apologetic in the beginning became condescending. She told me that I have to remember that an international wire, once it leaves the bank, is not always that easy to find, or would take some time to be delivered, or words to that effect. Well, for one, they should have provided me with an official receipt and a reference number immediately after my transaction was completed. Second, they promised ten days : They failed to deliver. And the woman has the temerity to sound like I'm an ignorant person. I know that somewhere, someone is using my money in the meantime. I have a friend who worked for an international bank who told me this. I told this woman this. I raised my voice in response to her condescension and refusal to admit that it was not proper for TIAA to NOT issue me an official receipt, to not give me a transaction and reference number, and to not deliver the money on the time promised. She told me not to shout at her and hanged up on me. I am not sure if she was going to follow-up on my case. So I am considering taking all my money out of TIAA Bank. Thank you.
11/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85258	Web
the mortgage on my condo was sold by XXXX XXXX XXXX to Everbank ( https : //www.everbank.com/ ). I had no choice in this matter. The transfer was done in spring of XXXX. I have had repeated issues with Everbank 's receipt of the master insurance policy for said condo ; absent their receipt of this documentation, Everbank purchases a policy from a sister company UNDER COMMON OWNERSHIP and bills my tax escrow account for the fee which is {$590.00}. Everbank does not accept the documentation via email nor does their online account access provide a document upload capability. The ONLY means by which the required documentation may be submitted is via fax or snail mail. Perfect cover to try to rob innocent people of XXXX for unnecessary insurance fees. The issue occurred in summer XXXX and after providing the documentation via fax on XXXX separate occasions, they finally acknowledged receipt and no charge was made for this insurance. This year, however has been an entirely different story. My condo association has provided said document on at least XXXX occasions via fax. In early XXXX I received notice that {$590.00} had been taken from the escrow account. I immediately called Everbank and after being transferred XXXX times, spoke with XXXX in the " Insurance Division ''. XXXX indicated no documents had been received and said I could not rely on the " transmission ok '' responsive on the fax because it did not mean that Everbank actually received the fax. What??? I expressed my issue with this and asked repeatedly for an email rather than a fax # to send the proof of insurance cover to, I was repeatedly told " we do not have email ''. Upon threat of complaint to CFPB and others, XXXX relented and agreed to get his managers email for use. XXXX took my name, phone number and promised a return call. On XXXX XXXX, XXXX left me a vmail indicating that he could not get his managers email but had called the Insurance carrier, spoken with XXXX who had faxed him the proof of insurance. He indicated he would be processing and then would take care of refunding the {$590.00} charge for the Hazard Insurance. So IMAGINE my surprise, when I receive a notice over this past weekend that my XXXX XXXX mortgage payment had been RETURNED to my bank because it was " a partial payment ''. My monthly mortgage payment is {$900.00} ; Everbank had indicated it needed {$1000.00}. I immediately accessed Everbank 's online system and determined that the increase in the monthly payment was from the {$590.00} insurance policy charge. the charge had NOT been reversed as promised y XXXX on XXXX XXXX. I attempted to make the payment to ensure no late fees or derogatory credit reporting was done while I resolved this ongoing issue but was unable to do so ; the online bill payment system was not available to me and the message said I needed to call. I called today and spoke again with XXXX different groups before reaching the same Insurance Department again. Again I was repeatedly told that Everbank did not have the master insurance policy documentation. So, now after XXXX faxes and a voicemail that the documentation was received, it still had not been fully processed. Again I repeatedly requested email address to send PDF too ; again this was denied. After repeatedly arguing with the customer service staff, I was directed back to XXXX and then to his manager, XXXX XXXX. but still not email. the ONLY option was to a special fax number XXXX provided. I sent fax while he remained on the line and only hung up when he confirmed receipt.
02/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 79707	Web
TIAA BANK has engaged in actions that involve scamming and misleading me as a client. I believe that they are not honoring the lending agreement, and below are the details of my complaint : Before signing the loan agreement, I have repeatedly stressed that it is my intention to payoff the loan after 6 months, I was informed that this can not be accommodated, and for the bank to be able to make a profit and gain interest on the loan, I would have to agree to make at least twelve full payments on time, before I am able to pay it off without any penalty, and without added fees, I reviewed and agreed to the terms and signed, and reviewed the details of the prepayment section on the loan agreement. After I completed 13 full payments on time, I have requested a payoff quote, and the amount that I received is {$7000.00} more than the principal owed. I have made numerous attempts to contact the bank and inquire about the difference, I was highly alarmed when I called to inquire about the principal balance none of the customer service representative were willing to give me the exact amount owed to date, I have never encountered a similar experience with any other lender. When the payoff quotes were too high compared to the principal amount calculated on the amortization schedule and I requested written details about the amounts that are adding up to the total payoff quote, the managers at first stated that I was responsible for the full amount of interest agreed upon on the loan, when I informed them about the prepayment terms and how there should be no penalty for prepayment after 12 full payments, then they started stating that the difference is out of pocket expenses on the loan, and if they do not collect it they will end up losing money where they just want to break even at this point, I informed them that this is unacceptable and asked to provide evidence and proof along with details about the amounts that they are requesting to be paid on top of the principal owed and they have refused to provide this information, I have repeatedly stressed the urgency in reaching a resolution so I am able to payoff the loan as soon as possible to avoid another monthly interest fee, and yet they engaged in avoiding calls, and at the end stating that it is what it is and the full quote has to be paid as quoted, and they are doing me a favor that they have discounted the interest amount for the full term of the loan. My complaint about this financial institution TIAA BANK, is it has engaged in misleading behavior, they lack the transparency and truthfulness in lending, with my level of education and understanding when signing the terms of the loan, it was clear to me that what I have requested was listed in the terms that we agreed upon when signing the loan. I was never informed about any out of pocket expenses or origination fees with the XXXXAA BANK that I will be responsible for at the prepayment, other than the {$120.00} one time documentation fee that was clearly listed on the agreement, and on the prepayment details in the terms of the loan, it stated on section 12- ( b ) " our initial direct cost and out of pocket expenses, IF ANY. ". I was never informed nor would I have agreed to such costs if it clearly stated that there will be {$7000.00} in direct cost or out of pocket expense to be paid on top the {$17000.00} interest for one year! This is unacceptable and outrageous.
02/16/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 088XX	Web
When COVID first began my mortgage bank, TIAA, sent a single email on XX/XX/XXXX, which I immediately printed in case I needed assistance. It states that if you need help with your mortgage to either call them at XXXX or email " XXXX ''. Fortunately through XXXX of XXXX I was still working and able to pay my mortgage, but mid XXXX I became XX/XX/XXXX with XX/XX/XXXXand was unable to work for several weeks. At first the focus was on my health, as I was XX/XX/XXXX etc. At this same time my oldest daughter was sent home from college again, and I was suddenly paying for her food, etc., even though I had paid for it at her school, and my younger daughter was laid off again after NJs governor retightened restrictions. As soon as I could move around without gasping for air, which was mid XXXX, I began to try to reach TIAA to request a forbearance on XXXX 's payment and possible extension on XXXX. I first emailed the address they provided. Every email was eventually bounced back with a " delivery delayed '' from " XXXX ''. I began to call the phone number, and no matter what I did, I could not get a human being. By now I was returning to work, so when the automated system gave three options for a call back time, I always chose the later option, yet EVERY time they called XXXX which was only twice out of 10+ call requests ) they called in the middle of my work day when my phone was not on me, and when I called back I was put right back into the recording circle. Finally in early XXXX I was in tears telling my daughter how, after busting my XXXX to raise my credit and buy this home as a single parent, my score was just Dumped due to this XXXX payment and TIAA 's Complete lack of response. She did some research and found a way to send in a request for COVID help online. XX/XX/XXXX I filed the online request ( which was NEVER mentioned in their only email communication ). By now I had also paid my XXXX payment, so I specifically explained that I only needed to have XXXX 's payment paused until my tax return in late XXXX XXXX. The second week of XXXX I received a letter, telling me my Mortgage has been paused for XXXX, XXXX and XXXX of XXXX. None of which was requested or needed. Now here we are in XXXX, I have called them over 30 times. I have send at least 15 emails, and at this point have included XXXX XXXX, XXXX XXXX and XXXX XXXX on them, yet I can not get ANY response. I bought this home 10 years after being homeless in a battered women 's shelter, with everything stolen and my credit destroyed by my ex-husband. I worked my XXXX off to get where I am, and get my score back to XXXX, and TIAA 's complete lack of basic communication and failure to follow Multiple executive orders has in one foul swoop dropped it into the XXXX 's due to their report of not paying my XXXX payment, even though I fit every possible circumstance to request that forbearance, and would have had they properly communicated in one of 5 ways I attempted. I have since paid XXXX, XXXX and XXXX 's payment. I still ONLY needed, and need, the pause on the XXXX payment, without the insane late fee and massive drop to my credit score over an illness I had NO control over. I am More than happy to work out a payment plan for that one month, but NO ONE call back!! I am attaching the first and last email, if more is needed please let me know.
10/25/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Company closed your account	TX 78028	Web	Older American
EVERBANK - now known as TIAA Bank, by a merger or acquisition, of EverBank by TIAA FSB is the financial institution that cheated me out of most of the {$15000.00} principal of my Certificate Of Deposit. I understand the formal name is TIAA FSB. The acquisition took place in XX/XX/XXXX and the name change in XX/XX/XXXX. I opened, in XX/XX/XXXX or XX/XX/XXXX, a {$15000.00} " WorldCurrency '' Certificate Of Deposit with EverBank when its headquarters building was located in New York State, and the currency EverBank recommended, and that I agreed to use, was XXXX XXXX. I sent EverBank a check for {$15000.00} or used a wire transfer of some kind, to make the deposit. The money deposited was to be used, I was told, to buy XXXX government " bonds '' of some kind, that were paying about 15 % annual interest rate, and that the amount of the CD would grow fast with re-investment of the proceeds. Monthly and/or quarterly statements were sent to me until XX/XX/XXXX showing the interest being paid on the CD and the re-investment ostensibly occurring. On or about XX/XX/XXXX -XX/XX/XXXX, EverBank abruptly closed my WorldCurrency CD, without my consent - a " forced closing '' of my CD by EverBank - not by me, and returned about {$4100.00} to me. The rest of the money was kept by EverBank - that is, all the rest of principal and all the ostensible " interest '' earned. EverBank just terminated the CD deposit and took most of my money. I lost almost {$11000.00} in principal and all of the supposedly earned interest. The total loss was about {$18000.00}. The FDIC would not reimburse me, ever. I contacted EverBank many times by telephone and asked for my money back and I was told by employees, who would not give their names to me, that there would be no more money refunded, and there was nothing that could be done. No real compensation was ever developed by litigation either, so I remain cheated out of about {$11000.00} principal and about {$18000.00} in interest plus principal. There was a " class action '' lawsuit, XXXX XXXX EverBank, filed by a WorldCurrency CD customer, against EverBank in Federal Court in XXXX XXXX California Federal District Court, in XX/XX/XXXX, and this was eventually settled for a small amount of money, and a check for about {$400.00} to {$450.00} was sent to me by the funds distribution company appointed by the Federal Court Judge in the lawsuit. I did not endorse or negotiate the check, because I didn't want to accept such a small amount of money, tiny really, and compromise my rights. I still have the check. The top executive at EverBank admitted I had been cheated in his own Declaration that he signed, filed in the lawsuit record : On XX/XX/XXXX, EverBank 's Executive Vice President, XXXX XXXX filed a declaration to the court in response to the lawsuit. In the declaration, XXXX admitted that a total of XXXX investors lost {>= $1,000,000} as a result of Everbank 's forced closing of their XXXX XXXX denominated " CDs ''. That averages out to a loss of about {$18000.00} per account. I am one of those customers who lost his investment because of EverBank 's forced closing of my CD.
07/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30068	Web
I previously submitted the complaint below. In the interim, I have received resolution for XXXX of the XXXX items. The missing reimbursement was misrepresented in the response back to the CFPB and the complaint was closed. TIAA is claiming that they have sent me back the check that was received by my bank. This is not true. The check that was sent to me is from TIAA Bank and is made payable to TIAA XXXX. Neither myself nor my bank are parties on this check. The original payment was sent from my bank ELECTRONICALLY to TIAA and TIAA wrote this check to TIAA XXXX. My bank has made multiple calls to TIAA and I have made multiple calls to TIAA and to XXXX regarding this issue. It has been acknowledged by their reps on multiple occasions and a work ticket ( supposedly ) submitted for reimbursement. Please feel free to request the recordings of the many many phone calls I have made. The last calls made are : XX/XX/XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( with agent id XXXX ) Although I have been promised it on multiple occasions, not once has one of these agents called me back with follow up or updates. Original complaint : In early XXXX, TIAA Bank transferred the mortgage servicing to a partner company - TIAA XXXX XXXX. It the midst of this, I was in the process of selling my home in XXXX and purchasing another home in XXXX. The XXXX home was sold and closed on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in the amount of {$2900.00} ( each ) were electronically sent to TIAA Bank via my bank 's online banking platform. These payments were made to TIAA Bank, who then forwarded them to TIAA XXXX. In the meantime, XXXX received a check from TIAA and promptly mailed me the check ( made payable to TIAA XXXX ) with a letter that the check can't be processed because the loan had been paid in full. I am not able to do anything with a check made out to another party. I have made many phone calls to TIAA and TIAA XXXX, which have all been escalated to a supervisor. None of the these calls have resulted in funds being refunded to me. I have On XX/XX/XXXX, I spoke with XXXX, who told me that the XX/XX/XXXX payment was credited prior to the account payoff ; however the 2 remaining payments were not. She said that the XX/XX/XXXX payment was sitting on the account, with no action. The XX/XX/XXXX was no longer there ( because they had already mailed me their check ) .A copy of this letter and the returned check will be attached. In all cases, it is not the fault of the consumer that the internal processes of TIAA Bank and TIAA XXXX are so complicated. It is also a questionable business practice to hold funds that were paid and refuse action to refund these when an error has been identified. Any assistance with completing this process would be greatly appreciated. In the meantime, I hope that future customers of TIAA mortgage company take heed, because the customer service, account ownership, and level of service provided by these companies has been atrocious. They are withhold reimbursement of funds that they have no right to withhold.
09/01/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	FL XXXXX	Web
I previously filed a complaint against this bank, XXXX XXXX. I read their response to my concerns and I disagreed with their version for the reason they wanted to increase my mortgage amount by more or less than 25 % of the original agrreed amount. Therefore, I am writing this note responding to their explanation for the so-called error they claimed they have made. In their response, they have stated that the reason they wanted to increase my mortgage was because an insurance company, Florida Specialty, did not want to issue a policy on the property due to underwriting issues. Well, if that was the case, I should have heard aboout it, directly, either from the insurance company explaining to me the underwriting issue they are referring to, or, from the Agent, himself. I heard nothing other than a new payment book from the bank telling me what my new monthly was going to be. In fact, when I called the bank to ask them to explain the reason they sent me a new payment amount after I have been making payments for the agreed amount ( {$1300.00} ) instead of XXXX XXXX dollars, they did not mention of having a problem with insurance. Instead, they said that they made a mistake calculating the first mortgage payment they gave me which amount I have been paying to them for about two months. At that point, I asked them : if you claimed that you made mistake in calculating the {$1300.00}. what else did you make mistakes about in this transaction? I think their blaming misconduct on the insurance company is a startegy on their part to circumvent the rules and to cover their track because they realized that someone was paying attention to what they were doing and they got caught. They should be allowed to get away with a vialoation like that has caused me so much pain and suffering to the point where I came close to losing my livelihood, my job. Besides, if that was true that the insurance company was ready to cancel a policy that they already issued on the property, they should have told me about as well and immediately return the check they received for the primium for almost two months prior. No on that happened. But, I received a check from for {$440.00} after I filed my complaint with CFBP. Why didn't I receive such a check long time ago? Again, someone is covering their tracks to prevent CFBP discovering the abuse that they have intended to inflict on me, as a consummer. That's waht is going on. Their misconduct affected my health and my daily living. I don't want another little guy like myself to fall victims to big predatory acts like where the consummer feels this is case between XXXX and XXXX and little XXXX does not stand a chance against such a gaint who has at his disposition all sort of clever excluses not be held accountable for their actions. A violation occurred here and it should not be pushed on under the rug like this ; like it's nothing while the consummer has big wounds showing the abuse he has endured from this major institution who has no intention to take any responsability for the harms their actions have caused.
04/02/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	WA 98204	Web	Older American
Called TIAA Bank on XX/XX/XXXX for a payoff amount on my loan. Was quoted a payoff amount of {$41000.00} as of XX/XX/XXXX. Mailed a cashier 's check in the amount of {$41000.00} by certified mail on XX/XX/XXXX. The check was received and signed for by TIAA Bank on XXXX. An overpayment on the loan in the amount of {$550.00} was issued on that date and mailed to us. I called TIAA bank on XX/XX/XXXX and spoke with XXXX about the status of the closing document on the loan. XXXX told me that all the payoff documents had been filed with XXXX County and that must be where the hold up was. XXXX told me that it sometimes takes 90-120 days for a county to process the documents. XXXX told me to contact TIAA again by the end of XXXX if I had not received the documents from the county. I called XXXX County on XX/XX/XXXX to see if they had received the documentation from TIAA that indicated that the lien on the property was fulfilled. The clerk told me that they had received nothing on this parcel from TIAA. I contacted TIAA on XX/XX/XXXX. I failed to write down the name of the person I talked to because I was quite upset. I was told by this person at TIAA that they were " backlogged '' and no documents had yet been sent to XXXX County. XXXX lied to me on XX/XX/XXXX. I asked if 3 and a half months was what TIAA considered " backlogged. '' No answer - I asked to speak with a supervisor. The supervisor would not give me her name. She apologized and said that it would take her a week to 10 days to complete the paperwork. I told her that was not good enough. I told her she could expedite the documents and send them overnight so that I received them by XX/XX/XXXX as I felt I had received the run around by TIAA and none of this poor service was my fault. She told me she would see what she could do but there was a " process '' to follow. I had not received any closing documents by XX/XX/XXXX. I again called TIAA and spoke to XXXX. XXXX said that the loan closing documents had been sent to the " investor '' on XX/XX/XXXX. I asked who or what was an " investor. '' This was the first that I had heard of an " investor. '' I said that my loan was with TIAA. XXXX said that the loan was sold to XXXX XXXX but TIAA manages the account. The closing documents would have to come from XXXX XXXX. This was news to me. XXXX said he would call XXXX XXXX to check the status. XXXX called me back the same day ( XX/XX/XXXX ) and said that no one at XXXX XXXX was available to help that day and he would get back to me on XX/XX/XXXX to give me an update on the status of the closing documents on my loan. Today is XX/XX/XXXX and I never heard back from XXXX at TIAA. I am done. I can not obtain closing documentation on my loan from TIAA. I've done all I can do. I am unable to sell the property because I don't have clean title. XXXX 's direct line is XXXX so that you don't have to spend 30 minutes navigating the phone system at TIAA. XXXX never provided this number, however, I found it on my caller ID. Thank you,
08/24/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NM 87144	Web
Electronic transfer from my XXXX XXXX XXXX savings account to my Everbank checking account, executed on XXXX/XXXX/XXXX. Everbank sent me an email later that day saying the transfer had been completed. As of today XX/XX/XXXX, they still have not made this deposit of XXXX, available to me to write a check on. Now they say funds will be available XX/XX/XXXX, 6 days after the transfer date. This is ridiculous and abusive. Zero reason to hold normal, small US funds that long. None, except for Everbank to skim extra interest off them. It 's unlikely this is not a serial practice, affecting many or all depositors. Here is the email correspondence below - ====== -- -- -- -- -- -- -Original Message -- -- -- -- -- -- -- - From : EverBank To : XXXX Subject : Responding to Your Inquiry Date:XX/XX/XXXX Message : Dear XXXX, Thank you for your recent inquiry. Per your request, I 'm pleased to provide you with the following information. All funds will be available tomorrow XXXX/XXXX/XXXX. We know you want access to your cash, fast. To determine how quickly your funds will be available after your specific type of deposit has been made, please read the Funds Availability information, which can be found online at everbank.com/terms. We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. GET IN TOUCH XXXX XXXXXXXXXXXX EverBank is an Equal Housing Lender, Member FDIC ( c ) XX/XX/XXXX EverBank. All rights reserved.AP -- -- -Original Message -- -- - From : XXXXXXXXXXXX XXXXXXXXXXXX Sent : Tuesday, XXXX XXXX, XXXX XXXX To : EverBank Service Requests @ Subject : Checking/Money Market/CD Question User ID : XXXX CIS Number : XXXX Branch : XXXX Account number : XXXX Deposit posted XX/XX/XXXX for XXXX Everbank sends me an email that day, " transfer completed '' No it 's not. At close of business today XX/XX/XXXX, these funds are still not available. Why? Transferred between banks in USA. - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This electronic communication and any files transmitted with it, or attached to it, are confidential and are intended solely for the use of the individual or entity to who it is addressed and may contain information that is confidential, legally privileged, protected by privacy laws, or otherwise restricted from disclosure to anyone else. If you are not the intended recipient or the person responsible for delivering the e-mail to the intended recipient, be advised that you have received this e-mail in error, and that any use, dissemination, forwarding, printing, or copying of this e-mail is strictly prohibited. If you received this e-mail in error, please return the e-mail to the sender, delete it from your computer and destroy any printed copy of it. Although our company attempts to sweep e-mail and attachments for viruses, it does not guarantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses.
05/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ XXXXX	Web	Servicemember
Early XXXX XXXX , 2016, I rec eived a letter from my mortgage company, Everbank, stating that our condominium association 's flood insurance was deficient and that I needed to increase it by {$28000.00} in order to be in compliance. After a few hours worth of phone conversations with the bank later, I was able to find out that although FEMA only requires flood insurance coverage for 80 % of the valuation of the building, and even though my current coverage was/is at 100 % of the valuation that our current flood insurance company is placing on the building, {$860000.00}, they are demanding 100 % based on a higher valuation, {$980000.00}, from a different type of insurance ( i.e., hazard insurance ) that we currently own. On X/X/2016 , I sent a letter ( attached ) requesting from the mortgage company documentation ( statuary or contractual ) that justifies their demand but all I have received is documentation that states that per FEMA, we need to have flood insurance ( which, as stated earlier, we already do ... at 100 % coverage ) and some calculation worksheet ( neither addressed the request for justification in demanding a valuation different from the flood insurance carrier 's ). This was followed by a force-placement of flood insurance of their choosing covering the alleged gap. In parallel to this, I have been trying to get a quote from various insurance companies but have not been able to. One of t hose insurance companies is our current building flood insurance carrier. The challenge there has been that our current carrier is requirin g justification for the increased valuation as well. As I stated earlier, I have requested this justification from the mo rtgage carrier but in lieu of that, I have been force-placed a flood insurance of their choosing. On X/XX/2016 , one day after receiving notice of the bank 's disappointing decision to force-place coverage above and beyond 100 % without even acknowledging my request for justification, I have followed up with another call to request the justification required by my flood insurance carrier. They have advised me to call back in 15 days with no promise that they will have the required documentation then. This is a very difficult situation because : a ) I do n't see the justification for this increased coverage when the flood insurance company is actually valuing our home at the amount that we currently have 100 % coverage. b ) Said ju stification is actually required by our flood insurance company to even provide a quote much less coverage for the alleged deficiency. c ) I live on the XXXX floor of a XXXX -story bui lding. Even if the flood waters reached the top of my building, the 80 % that FEMA requires would more that suffice for replacement costs. However, we are above and beyond that at 100 % of the current valuation. But the mortgage company is not satisfied with that and have effectively put a very tough, unexpected ( at the time of loan-signing ) financial burden on me.
09/06/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77079	Web
The summarized story is : the 3rd party vendor my mortgage company hired to manage our claim has not forwarded any funds since the initial set of checks sent in XX/XX/XXXX. I have documented all of our calls and names of my instructions. This is only in note taking form. They have a copy of the recorded conversations, but will not release them to me without a court order, and will not communicate any other way. Every time I call I get a different answer and a different set of hoops to jump through. I go attend to the new instructions, then yet another problem emerges. From the beginning I was told several times that because I was in Texas my GC did not need a licence. I have it in my notes. I never saw anything other than this information on the web site. As soon as I turn in my first set of receipts and complete documentation on my General contractor, I am told they need insurance. My GC spends XXXX XXXX and buys insurance. Which we turn in and the next time I call I am told a Bond is needed. The cost will be around $ 10K. When was this decided? Why was this not discussed sooner? I am told this is a direct request from XXXX XXXX, who should have nothing to do with my loan. When I call TIAA, they forward me to their loss dept, who no one in the dept is employed by TIAA. nor was interested in helping me further. Furthermore my mortgage company told us at closing, we were not required to buy flood insurance. We live or lived in a no flood zone. We purchased the policy on our own, but now they hold our money, dictating how we spend it. I have turned in plans, drawn up by a certified architect, with a few changes to our floor plan by a certified aging in place designer. The plans are stamped and permitted by the city of XXXX and ready to go. I hired XXXX XXXX XXXX to manage the process, not only because they are awesome, but I have known them since I was XXXX, and with all the accounts of fraudulent behavior, I wanted someone I could trust. When TIAA insisted they get insurance, they got insurance, which they will drop, as soon as my house is complete. Why? Because no one else in Texas requires it. ( By the way I am XXXX 's 5th Harvey house repair, no one has asked for licence, bond or insurance ) so XXXX XXXX later, ( which will be added to my bill, so that is {$4.00} XXXX less going to actual repairs and another month of delay ) now they want a bond. This is mind boggling. They want me to pay $ 10k, to insure, my insurance money, who, I am the only one who paid for it in the first place! Funds are tight. We are still living upstairs, all through the summer with little plumbing and no electrical downstairs, yes that means no A/C. Its been a a year now. I am XXXX and have XXXX kids in college. We have done everything to the letter according to XXXX code and then some. No one else is paying XXXX XXXX extra for bonds and insurance. Please advise, without calling an attorney Which is just more money out of pocket, I am not sure where else to. Thank you.
10/22/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ID 83642	Web
I am the Power of Atty for my mom, who lost her husband in XX/XX/2018. I have been assisting her with her financial affairs. We contacted Everbank ( now TIAA ) in XX/XX/XXXX to inquire about the process to add my mom as the Personal Representative on the mortgage, as it was solely in my step dad 's name. We provided the death certificate and Surviving Spouse Affidavit of Community Property Inheritance at that time. In XX/XX/XXXX, we started the process of refinancing that loan ( with another bank ), to pay off this Everbank/TIAA loan. Every communication that we had with TIAA was a nightmare as we were told the request was " in process '' and they couldn't speak to us as we were not " authorized ''. We made multiple attempts to get the Mortgage Verification letter so that the refinancing bank could verify that the TIAA loan was in good standing. Every call, including those escalated to supervisors, ended in frustration. The loan was paid off in XX/XX/XXXX and a check was issued for the remaining escrow funds but it was made payable to " The Estate of '' my deceased step father 's name and my mom could not negotiate the check. We called XX/XX/XXXX to ask them to re-issue the check and we told that we would need to provide the following items in order to do so : 1. A letter with the detailed request 2. A copy of the most recently recorded Deed of Trust 3. Surviving Spouse Affidavit of Community Property Inheritance 4. Death Certificate 5. W-9 Form to validate my mom 's SSN We provided ALL of those items on XX/XX/18. I also provided the copy of the Power of Atty to validate that I am authorized to take care of all financial matters. I made a call on XX/XX/18 to ensure that all of the documents had been received and to inquire on how long it would take to process. I was told the documents had been received and to expect 30 days to receive the new check. I made a call to TIAA on XX/XX/18 to check in on the process and again, was told that the documents have been received, but they are " in review '' and that " these issues are complicated and take time to resolve '' and that I could call back in 2 weeks to check on the status. They would not provide me any additional information or give me any timeline on when we could expect to see the escrow refund. This is a pretty simple request and they have been in receipt of every legal document to support our inquiries, requests for information and re-issuance of the escrow refund. We have faxed and re-faxed the SAME documents multiple times since XX/XX/XXXX. We have followed ALL of their instructions and they have been very difficult to work with and are not responsive. We DID receive a confirmation that the loan was paid in full and they included the Re-conveyance Notice that was filed with the county. But they have not yet re-issued the check for the escrow balance. I feel that this has been an excessive amount of time and effort to complete and would like this to be addressed and resolved ASAP.
01/06/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	VA 22192	Web
I submitted an initial complaint accusing EverBank Mortgage of committing predatory lending in XX/XX/XXXX on a second mortgage or home equity line of credit ( HELOC ) and of committing fraud on their current handling of the loan. EverBank responded to my complaints. XXXX continue to take issue with their responses to the following : * In my complaint I state that the EverBank Home Equity Line of Credit ( HELOC ) or second mortgage should have been dismissed in my Home Affordable Modification Plan XXXX HAMP XXXX. EverBank responded by saying that it should NOT have been dismissed in my HAMP because it was not a part of the first lien on my home ( see pg. XXXX paragraph XXXX ). However, according to the Making Home Affordable website, " If your first mortgage was modified under the Home Affordable Modification ProgramSM ( HAMP ( R ) ) and you have a second mortgage on the same property, you may be eligible for a modification or principal elimination on your second mortgage through XXXX '' ( https : XXXX ) I also stated that since the Everbank loan should have been included in my HAMP, the loan should be dismissed. EverBank stated that they can not dismiss the loan because it was not able to be included in the HAMP and because of the repayment plan agreement I am responsible for HELOC debt. ( see pg. XXXX paragraph XXXX ) In my complaint I indicated that EverBank is reporting to the credit bureaus that the HELOC is charged off and closed even though we set up a repayment plan on the same account under the same account number in XX/XX/XXXX EverBank cites the repayment plan in their response ( see pg. XXXX paragraph XXXX ). EverBank continues to report this account as charged off and closed to the credit bureaus without reporting that we agreed to a settlement on the account for a lesser amount under the same account number. EverBank attests to this in their response ( see pg. XXXX paragraph XXXX ). EverBank is not reporting the monthly payments that I am making on this account and that that they will NOT report my monthly payments to the credit bureaus. They will only report when I have paid the total balance of the modified repayment arrangement in full ( see pg. XXXX paragraph XXXX ). *In my complaint I also stated that EverBank was not providing monthly statements for payments that I am making on the account. EverBank stated in their response that they are not able to provide me with monthly statements as the account is no longer an active account ( see pg. XXXX paragraph XXXX ). This takes me back to my initial complaint. EverBank admits to reporting to the credit bureaus that the account is charged off and closed. EverBank admits to not reporting my monthly payments on this account to the credit bureaus. EverBank admits to not providing me with monthly statements and that they are not going to provide statements. EverBank admits that they consider this account to be not active, but they want me to make monthly payments.
09/07/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem when attempting to purchase vehicle at the end of the lease	SC 29072	Web
PLEASE NOTE : This is NOT about a vehicle lease, but a lease for a copier/printer instead. I feel that I am the victim of an extortion scheme. In XXXX of 2018, I contracted with XXXX XXXX to lease a XXXX copier/printer to use in my home. They prepared several quotes and found a used machine I could lease for around $ XXXX. for 36 months. I understood I would have the opportunity to purchase the copier at a very reduced rate at the end of the lease, as the equipment was 2 to 3 years old at the time I leased it, and it was coming off of another lease with a church in Florida. The data from that church was still on the machine, and I had to have my technician delete it so it would not interfere with my information. The original lease was financed through Everbank. Approximately 4 months ago, I received notice that TIAA Bank was taking over Everbank, or at least the lease that I was paying. I have paid every payment on time and in full for the life of the lease. My last payment on the lease is due in 2 weeks, and is scheduled to be paid from my online bank as usual, next week, so my obligation with them will then end. I expressed to the Copier salesman I dealt with that I would be interested in getting a buyout offer, and if reasonable, would just purchase the equipment. He contacted the appropriate people at TIAA and I received an email indicating that someone would be in touch with me. More than a month went by with no contact, so I reached out again last week and was met with a quote of nearly {$3000.00} to buy the 5 to 6 year old copier that is available, brand new, for around {$3500.00}. Keep in mind, my total lease payments have exceeded {$7700.00}, and the former lessee certainly contributed to the cost of this equipment as well, likely for the same or very similar amount. I told the TIAA rep. that he must be mistaken. He indicated that he had misquoted because he did not realize the equipment was used when I got it. But he took only about {$500.00} off the original quote, making it still well over {$2000.00} to buy out this copier after paying so much over the past 3 years and accepting its wear and tear of 2 users over the last 6 years! When I told him this new offer was still unacceptable, I made him a reasonable offer of {$500.00} or at most, {$750.00} that I am willing to pay for this copier, just for the convenience of not having to look for a new one right now. Frankly, after what I and the former lessee have paid, it should be free by now, but I am willing to pay a little. That is still not acceptable, and they also want to charge me upwards of {$600.00} to ship the equipment back to them in XXXX when my lease expires. This has to be an abusive practice, but nothing I say or do will cause them to reasonably negotiate with them. I need your help. I have included the final offer from TIAA for me to pay them another $ XXXX for a 6 year old copier for which they have already pocketed nearly {$14000.00}!
06/19/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89503	Web
We contacted the bank and gave them the following information : There was {$4500.00} charge that we put on a credit card for a rate lock at the end of XX/XX/XXXX that was not shown as a fee paid on the debit side of the closing statement. We understand we were credited for it, however if this is added to the debit side the remaining amount of the Capital con tribution to HOA fees would have been reduced to {$1100.00} and our due from buyer amount reduced to {$220000.00}. Total debits should equal {$14000.00} vs. the {$10000.00} noted on the closing statement and the credit amount would show at {$15000.00}. I will anticipate your reconcilement and answer to my question re : why the {$4500.00} is not shown on the settlement statement ASAP, and why the closing estimate YOU ( EverBank ) pr ovided us that we had to sign states Cash to Close from Borrower {$210000.00} vs what is on the XXXX XXXX XXXX Statement of {$220000.00}. We contacted the Bank in an attempt to reconcile this prior to closing our loan on XX/XX/XXXX . We did not receive a response from the loan officer, rather an email receipt that the email was not read, however, we did hear from his boss, and we were told yes, he agreed, this issue has come up before and was resolved in the buyer 's favor, however, the accounting department of the bank said that this is just " how they do things '', and it was not resolved. We believe we overpaid due from buyer {$4500.00}. Please note : this i s one of many, many problems we encountered with EverBank in their unprofessional, misleading, and deceptive loan process. Some of the issues were : - Incorrect title on documents that had to be corrected prior to signing - In accurate appraisal with lack of details, XXXX square footage left off of overall square footage, and when questioned, we were told " that is the way they do it '', even though the seller and our realtor questioned also - Incorrect evidence of credit card disputes - Misquoted escrow fees that had to be adjusted - Requirement to submit tax returns prior to XX/XX/XXXX in order for them to verify or " loan may not close on time '' - Requested information was questioned, they responded " jus do what we say '' - Misquoting regulatory guidance, specifically Dodd Frank, when the " requirement '' was their policy, not Dodd Frank - Total lack of understanding o f accounting for a small business - Unreasonable ongoing requests from underwriter - numerous, numerous requests when all information provided, on several occasions - Total lack of knowledge of Professional Employment Organizations that small businesses use - EverBank told us that if we put the down payment in their account, they could merely transfer the funds at closing. This was not true. When it came down to it, we still had to wire the funds. Again, deceptive, confusing, uninformed information given to the consumer. Shall we file separate claims on each of these items?
08/15/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94112	Web
XXXX XXXX, a senior mortgage officer with TIAA bank ( formerly Everbank ), was in the process of helping my husband ( XXXX XXXX ) and I underwrite bids on houses. Throughout the process, I repeatedly asked XXXX if my husband, a XXXX citizen, would need to translate his XXXX bank account statements. Repeatedly, I was told that as long as the statements are translated by the original issuing institution ( i.e. the bank ), then those statements would be acceptable in the mortgage underwriting process. At this point, XXXX was aware that we had already started the process of translating the documents with his XXXX bank ( for a fee of XXXX euros ), even having XXXX 's mother ( who had power of attorney on the account ) repeatedly drive to the XXXX bank to facilitate the translation. XXXX then pressured XXXX and I into moving forward with XXXX XXXX and insisting that we would need rush delivery for a total of {$630.00}. We were angry because XXXX had lied about the necessary steps to translate the documents, leaving us paying large fees for last minute translation services without having any time to shop around with other translation providers. I called XXXX on XX/XX/XXXX to explain our grievances, given that we had expected to pay XXXXEUR to XXXX 's bank for translation services.XXXX said that Everbank would " take care '' of the bill, following up with XXXX XXXX via email right after hanging up with me. During our conversation, no indication was made that the bill may not be covered, would need approval, or was at all conditional upon moving forward with underwriting. XXXX nor XXXX XXXX did not contact us further regarding this bill beyond XXXX ' last email to XXXX XXXX. We were contacted by a bill collection agency on XX/XX/18 to pay the bill, threatening to affect our credit score. Of course, we were surprised that the bill had not been paid. When we followed up with XXXX, he indicated that since we did not move forward with the mortgage underwriting process, that he was unable to cover the bill. Neither XXXX nor anyone at Everbank/TIAA bothered to inform us of any of this information. I followed up with XXXX ' boss, XXXX XXXX to address the issue. On a back and forth email, XXXX expressly said that XXXX would pay the outstanding bill. That email was XX/XX/18. On XX/XX/18 I emailed XXXX again asking for a status update on this outstanding bill. He did not respond. On XX/XX/18, the bill collection agency informed me that XXXX left for a 2 weeks vacation abroad without paying the bill. I emailed XXXX again asking for an update. I have not received a response. I'm filing a complaint based on 1 ) XXXX XXXX deceptive practices in providing misleading information during the lending process, 2 ) Everbank ( TIAA ) not keeping their verbal and written promise to cover the translation bill in XXXX, and 3 ) Everbank ( TIAA ) not paying the outstanding bill after expressly committing to paying the bill in XXXX.
05/08/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 322XX	Web
On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX XXXX needed to confiscate all my belongings without returning them is due in part that XXXX XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX XXXX! With that being said, all evidence clearly indicates how XXXX XXXX only sole purpose for contracting XXXX XXXX was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, XXXX XXXX, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX XXXX, along with complaint ( s ) against XXXX XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by XXXX. With that being said, I request for Everbank ( XXXX ), via the CFPB, to explain to me in detail why a ) did Everbank ( XXXX ) intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for XXXX to explain in detail the who, what, when, where of HOW XXXX Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
03/10/2018	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 10467	Web
On or about XX/XX/2018 EverBank, XXXX representatives XXXX XXXX, stated at my closing date on XX/XX/18, that an outstanding mortage loan that was taken On or about XXXX, would be satisfied by the owner. She indicated it was discussed with the sellers representative, and documentation would be provided to me at closing, once the seller pays off the loan from the sale of the property at closing. XXXX XXXX XXXX when so far to state that the loan would then be satisfied and the title would be clean and clear, which would deem me as the rightful owner of the property. The bank knowingly positions a false narrative to purchasing the property, when it was clear that the property could never be sold. Everbank was misleading and did not follow banking policies and procedures knowing that I purchasing the property would never be accomplished due to representatives at Ever Bank, XXXX, delayed the process of proceeding to close on the home using many unfair tactics, being aware that the open loan was a loan that can never be satisfied at closing, because in fact the seller had taken out a Home Equity Loan. The bank is well aware that taking out an Home Equity Loan, means in fact the equity is taken out against the home leaving the value of the home is worth less than what it is appraised, due to the equity being taken out of the home. The bank never once dispels this matter to me, withholding this information to me as the buyer. Instead the following representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ), used stall tactics and put unnecessary barriers that refusing to follow policies and procedures, under the notions or in lure of not being able to complete these steps. I was still able to complete all requirements stated on the commitment letter, that Ever Bank, XXXX also delayed dispensing to me as well, which XXXX XXXX were aware and allowed the false banking practices to proceed. The representatives, that handled my VA XXXX traditional Home Mortgage Loan process as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all had the documentation of the type of loan that was taken out against the home ( Home Equity Loan ). The Bank still proceeded to state on one end I was ready for closing, and on the other end I was not ready for closing, due to stall tactics that were against policies and procedures all to distract me from finding out that the seller has taken out an Home Equity Loan taking all the equity out of the home as well as that Deed of Trust is not within the sellers possession. Ever Bank, XXXX has convinced me to dispense expenses towards the home, which amounted over XXXX dollars on the intention that I would obtain the loan, knowing that this could never occur due to the seller taking out a Home Equity Loan, which took all the equity out of the home, which the property is worth less than what is appraised for and could never be sold..
04/28/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	FL 331XX	Web
Hello, My mortgage was sold to TIAA Bank from XXXX back in XXXX XXXX. I close on my property on XXXX XXXX. I did all my closing with XXXX XXXX XXXX ( XXXX ) My insurance policy held by XXXX XXXX XXXX was not renew since the company is not renewing in Florida. The policy expired on XXXX XXXX, XXXX. I found out just a few days before through my insurance agent. On XX/XX/XXXX, I contacted TIAA Bank to inquire about how long I had to submit a new policy. I was advised I had 45 days to do so. I was never informed that even so, the lender had the right to place a lender policy on the property. I was never informed and took the time I had to get quotes from multi companies, install my hurricane shutter so that I could get that credit. The new insurance policy started on XXXX XXXX, XXXX which I was still within the 45 days I was told I had. Then I received an email a few days later charging me {$620.00} for some lender placed policy on the property. On XXXX XXXX, XXXX I called to inquire what the charge was about and I was told it was because of the insurance placed policy. I stated that on my XX/XX/XXXX call, I specifically asked about this and I was told I had 45 days to submit a new policy. Since XXXX XXXX, I had been requesting the transcripts for the call placed on XX/XX/XXXX and have not received them. I have requested calls from higher management, I have requested for them to review this situation and nothing. No calls, no transcripts to prove my case, nothing. The charge is going to be divided into the monthly payments with the first charge now in XX/XX/XXXX. I refused to pay such amount and it should be eliminated due to the erroneous information given by their agents. Closing documents name the lender as XXXX, which technically and legally does not give TIAA Bank the power to placed such charge on my account. Since the loan was transferred to TIAA Bank, I did not sign any documents adhering to their terms and conditions, nor my closing documents mention anything about any other lender, other than XXXX XXXX XXXX ( XXXX ) to have the right to place a lender placed policy on the mortgage. Like I have explained to the agents multiple times, if I would have being informed correctly since XX/XX/XXXX that I called to inquire about the insurance situation, I would have gone and gotten a policy that satisfied their needs and then made changes to it. I have tried at least 7 or 8 times, each call takes at least an hour or more and nothing has been resolved. I have asked for higher management to review the case and review the calls and nothing. Loan Number with TIAA Bank is XXXX TIAA Bank also claims the policy was placed on the property since XX/XX/XXXX, but documents sent by them clearly show a policy issue date of XX/XX/XXXX which does not make sense. If they placed the lender policy on the property, why didn't I get a copy just a few days after XX/XX/XXXX? Please help.
04/06/2022	Yes	Checking or savings account Savings account	Opening an account Didn't receive terms that were advertised	FL 33176	Web	Older American
In XX/XX/XXXX I received a personalized and direct mail advertisement for a TIAA Bank XXXX XXXX XXXX XXXX account. I was not a customer of TIAA Bank and did not have any accounts with TIAA Bank. The offer promised to pay a special one-time bonus of {$750.00} if I opened a XXXX XXXX XXXX XXXX account before XX/XX/XXXX and maintained a balance of {$250000.00} on that account. I am a XXXX XXXX XXXX retiree who recently sold my longtime home to move in with my daughter. As such, I chose to deposit the sales proceeds from the sale of my family home in a TIAA XXXX XXXX XXXX XXXX account to earn the promised {$750.00} bonus. On XX/XX/XXXX I opened a XXXX XXXX XXXX XXXX account online. On XX/XX/XXXX I went into a local TIAA Bank branch ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and deposited a check ( from an account at a different bank ) for {$250000.00} into the Yield Pledge Money Market account opened on XX/XX/XXXX. TIAA Banking XXXX, XXXX XXXX, assisted me in the branch and said that I was eligible for and would be paid the bonus as long as I leave the money in the account for at least 70 days. I have made no additional deposits into the account and have never made a withdrawal from the account to this date. Based on the above dates, the terms and conditions of the offer, and the representations made by XXXX XXXX at funding, I should have earned the {$750.00} bonus on XX/XX/XXXX ( 70 days ) and the {$750.00} bonus should have been credited to my account no later than XX/XX/XXXX ( 120 days ). Unfortunately, TIAA never paid the promised bonus. When I called TIAA to claim my bonus, I was told for the first time ever that my account was not eligible for the bonus because of a prior account with EverBank that was closed in XXXX. Apparently, some time after XXXX EverBank was acquired by TIAA and the name changed to TIAA. But I had no knowledge of that since I had not banked with EverBank since XXXX and had never been a TIAA customer until I opened the TIAA Yield Pledge Money Market. I have spoken to XXXX XXXX as well as XXXX customer service representative, XXXX XXXX, but both refuse to help me or honor the {$750.00} bonus I was promised. To be clear, I would never have opened a TIAA account, deposited such a large sum of money into that account, and stopped having access to that money for several months if not for the promise of the {$750.00} bonus. I feel that TIAA is taking advantage of an elderly, XXXX retiree by refusing to pay me the bonus. Their offer was unfair and deceptive in that it was specifically sent to me by name and does not mention EverBank anywhere. I had absolutely no way of knowing that EverBank had been acquired by TIAA, and I had absolutely no way of knowing that months after agreeing to open the account and taking my deposit, TIAA would claim that an account with EverBank that had been closed many years earlier made me ineligible for the bonus.
09/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32904	Web
Made a mortgage payment to TIAA Bank on their website on XX/XX/XXXX ; payment XXXX {$2900.00} XXXX was withdrawn on XX/XX/XXXX but insufficient funds so returned to TIAA. Called TIAA to discuss issue with payment on XX/XX/XXXX and was told that the payment will be sent a second time to my bank, XXXX. Everything should be fine. Checked my bank account on XX/XX/XXXX and two payments were withdrawn from my account paid to Everbank ( TIAA ). I had only made one payment on the website. Called customer service at TIAA and was told it was an error on XXXX 's part. I called my banker who informed me that the error was from TIAA and to submit a dispute for the extra payment, which I did. I received a refund of one payment to my XXXX account ( from XXXX pending the dispute ). However, TIAA was showing that I did not make an XXXX payment. My bank account showed that it was withdrawn on XX/XX/XXXX. I called TIAA numerous times speaking to many different customer service reps to take care of the situation. Continued to receive letters and phone calls from TIAA regarding the delinquency of my account. I sent an email to the customer service department with verification of the deduction of my account on XXXX. Never received a reply. Received another call from TIAA on XXXX of delinquency of my account. I called again and explained what had happened. The customer service rep assured me that TIAA third party payor made a mistake and she promised to investigate and get back to me. She called back, informed me that the webpage would show my payment and would be no reporting to a credit bureau. On Friday, XX/XX/XXXX, checked TIAA bank ( still showing delinquent and no payment for XXXX XXXX and received an alert that my credit rating had changed because TIAA had reported my payment delinquent. I received a letter from TIAA that I had a customer service person to support me ... this person has never once answered the phone. Every time I call, another person takes care of the complaint. On XX/XX/XXXX, I check my bank account and the TIAA bank webpage still not showing an XXXX payment. I called TIAA again ... and on the advice of my banker, told them I would send a certified check for both the XXXX and XXXX payments since they had not yet figured out where my funds were. I overnighted the check, sent a letter of which is attached along with the verifications from my bank account showing what TIAA did or did not do. On XX/XX/XXXX, TIAA deducted a payment from my account ( which I did not authorize them to do XXXX. This is almost 30 days after my initial payment was made on XX/XX/XXXX. Hours of phone calls, numerous letters from TIAA bank on the delinquency of my account and a default notice later, this issue is still not resolved. I sent them the bank statements today along with a wire transfer to return my funds and still waiting on that to occur.
06/07/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	IL 60431	Web
We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT
07/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 802XX	Web
I have a residential mortgage with TIAA Bank. They purchased Everbank who had my loan for over 15 years, the entire time with XXXX XXXX as my insurance company. So TIAA purchased my loan that reflected the same insurance company for over 15 years. I recently decided to change insurance companies. After much research I decided to sign up with XXXX XXXX insurance. On XX/XX/XXXX I signed up, and 24 hours later, after discovering my agent lied to me about my coverage, I canceled it on the XX/XX/XXXX - 24 hours later. I had requested that I pay the first years premium out of my checking account. However on XX/XX/XXXX - despite not authorizing TIAA to disburse anything out of my escrow account, and despite having only a declarations page from XXXX that was already invalid from being cancelled - TIAA Bank gave XXXX XXXX {$2100.00} out of my escrow account putting me at over a - {$1200.00} ( negative balance ) in my escrow account right when property taxes were being paid! TIAA not once called me, did not required something with my signature authorizing payment from my escrow account, or did it do anything to verify that XXXX had any authorization or basis to take money from my account at that point. Recall the policy was canceled XX/XX/XXXX, and TIAA paid them {$2100.00} on XX/XX/XXXX. It was not until I received a letter from TIAA over a week later that I discovered XXXX had my money, and I had to contact them and demand that be refunded to get it back. TIAA did nothing to correct their error, I did all the work. I want the CFPB to investigate TIAAs violations of their escrow account regulations and their mishandling of my escrow account, their failure to confirm the validity of a request for payment, and their failure to verify with me that I was in fact making a change to my insurance carrier. Fortunately I had not canceled my policy with XXXX XXXX, so that was still intact. TIAA took no steps to ensure the sole document they received to demand payment, a mere declarations sheet, was not fraudulent or contrived. Given TIAAs lack of protective or responsible actions, it is clear that anyone could obtain TIAAs mortgage loan numbers and then submit false declarations pages from a fake insurance company and clean out a lot of money from a lot of escrow accounts held by TIAA! I am now very stressed and worried that they are not going to protect my funds, not theirs, from fraudulent activity they clearly have no processes they follow or protections they go through before handing out checks! I dont need to talk to them, I already wasted a couple of hours of my time arguing with them about how irresponsible and unacceptable this was for them to allow, and they dont appear to understand the problem. Im done speaking to them, they need to be investigated and examined for the violations theyve committed.
05/03/2017	Yes	Mortgage VA mortgage	Trouble during payment process	FL 32210	Web	Servicemember
I am extremely upset with Everbank and I need to CFPB to help. I am XXXX XXXX XXXX and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in XXXX XXXX . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by XXXX legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with XXXX XXXX in XXXX XXXX , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped XXXX and XXXX XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in XXXX XXXX XXXX . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES XXXX SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is XXXX XXXX who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance. XXXX and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.
03/18/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PA 19067	Web
I'm XXXX and I'm struggling to make my Mortgage payments. I conducted research on what can be done regarding payment assistance. TIAA Bank has payment assistance listed on their website. In late XX/XX/XXXX, I decided to submit a payment assistance request from the bank. I filled out the Bank 's payment Assistance Form 710. Within a few business days, I was sent a loan modification packet. I filled out and notarized the packet and sent it back to TIAA Bank, In the packet, I would have to pay four ( 4 ) trial payments starting in XX/XX/XXXX. I called the bank regarding the XXXX Payment and was told to qualify for the trial payments, I'd have to make the XXXX Mortgage Payment. Later that month in XXXX, I was informed I wasn't supposed to make that payment. I proceeded to contact the manager who corrected the error and applied my XXXX Payment to XXXX 's trial payment and partially to the XXXX Payment. The Trial Payment Period ended this month in XXXX. Now I receive the final loan modification documents from the bank and its completely unfavorable to me. The bank is deferring a portion of the balanced owed on the outstanding Mortgage balance. The balance I owe is {$160000.00} and the amount being deferred is approximately {$19000.00}. The remaining balance is {$140000.00}, but the deferred amount is still due after the {$140000.00} is paid. The interest rate is the same at 4.625 %. The only thing the bank is offering is to extend the mortgage to a 40-year loan as opposed to the fixed 30-year loan. I'm also being informed there an escrow account shortage of {$1200.00}. I was never informed of this shortage during this entire process. The bank is allowing me to " spread '' the escrow over 60 months resulting in a higher modified mortgage amount. I feel like Im being penalized for requesting a loan modification. With a 40-year loan, Ill pay an additional {$130000.00} for a house thats still underwater since the housing bubble burst in XXXX, just to get a loan reduction amount of {$190.00} per month. This is a complete outrage! Its deplorable, disgraceful, and unacceptable to manipulate and exploit XXXX people who are asking for payment assistance with their Mortgage, so they can stay in the house. If I dont sign the loan modification document and have it notarized, I have to pay {$3400.00} to the bank just to be current. The whole point of asking for payment assistance was to lessen the burden of making my mortgage payments, not to penalize me for making the request. Thats whats happening here. I have no choice but to sign this document. What payment assistance is this bank offering? Absolutely none. In fact, all this bank has done is to increase my financial burden on a property still about {$50000.00} underwater.
08/16/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11375	Web
I have attempted to appeal the loss mitigation denial where a letter was sent by EverBank on XX/XX/XXXX. This letter claims that XXXX XXXX is not eligible for loss mitigation because he failed the NPV test. I requested ALL input values used to run the NPV test. In a letter dated XX/XX/XXXX, an EverBank representative, XXXX XXXX, claims that the reason why a loan modification was not offered to XXXX XXXX was because, he failed to complete a subordination package to EverBank. ( A copy is enclosed for your records. ) This subordination package was never sent to me, XXXX XXXX 's attorney, but should have been sent to me since ALL correspondence regarding XXXX XXXX loan modification has gone through me since he initially applied for loss mitigation on or about XX/XX/XXXX and completed an authorization form for me to speak with EverBank on his behalf. The only piece of correspondence that was not sent to me, as far as I know, apparently was the subordination package. EverBank determined that it was going to stop working with the XXXX attorney, me, even though this case remains in litigation, and deal directly with XXXX XXXX. This is a violation of NYS law and resulted in XXXX XXXX losing the opportunity to modify his loan. EverBank has come up with a new reason failure of the NPV test. EverBank should not be permitted to fail to send the subordination package then force XXXX XXXX to do a completely new loss mitigation application and after years of engaging in attempting loss mitigation, claim that it failed the NPV test when on XX/XX/XXXX, that was NOT the reason why loss mitigation was denied. XXXX XXXX should be put in the position he would have been in but for Everbanks mistake when it failed to send me the subordination package. Further, in this XX/XX/XXXX letter, I was advised that XXXX XXXX loan was denied,... as he did not satisfy all the requirements that would have allowed us to continue our review of this request. Accordingly we were required to provide an accurate reason for the assistance denial ; therefore, we referenced the NPV results from XX/XX/XXXX. Additionally, on XX/XX/XXXX, I requested a payment history of XXXX XXXX XXXX LOAN XXXX and that was never sent. Please send an updated payment history. EverBanks actions and inactions in this case are bizarre. Based upon the foregoing reasons, the denial of XXXX XXXX for loss mitigation was improper and illegal. We are seeking a review of the determination and a response to this letter, a loan modification, and payment history, immediately without further delay. The Consumer Financial Protection Bureau should note that the master servicer for this loan is XXXX XXXX which has a long history of consumer fraud.
04/30/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08873	Web
To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.
03/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 066XX	Web
I continue to receive an inaccurate coupon for {$1700.00} that does not reflect the interest paid directly to TIAA Bank by my employer, as a relocation interest subsidy. In addition, they continue to include charges for house insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, they continue to charge for flood insurance which was paid-in-full directly to the escrow account on XX/XX/XXXX, and they continue to charge for the increase in property tax which was also paid-in-full directly to the escrow account on XX/XX/XXXX. All of the aforementioned payments have been verified at my financial institution as received and cashed by TIAA Bank Cash Management. I changed insurers and paid them directly in XX/XX/XXXX ; however, the bank disbursed funds to one on the cancelled policies, even after I notified them of the change. The cancelled policy holder sent the checks to me, and I in turn sent the funds back to the escrow account. The other insurer failed to charge me directly, despite being given my credit card information. Once discovered, I sent these funds back to the escrow account as well, as detailed above. I had to contact the XXXX XXXX XXXX in order to find someone in TIAA Bank capable of identifying and resolving the issues. I thought that once these concerns were cleared, I would receive an accurate billing statement ; however, the statement is still inaccurate. As per communication that was only achieved after contacting the XXXX, the following is an accounting for the aforementioned loan and the manner in which TIAA Bank has been paid since XX/XX/XXXX, and will continue to be paid until this loan is refinanced by a financial institution capable of servicing my loan appropriately, or my employer 's annual interest subsidy is adjusted in XX/XX/XXXX, whichever comes first. The following are charges and payments by month : Principal and Interest {$1100.00} Taxes {$400.00} Subsidy - {$210.00} My Payment - {$1400.00} Due - {$96.00} Note : The tax calculation is based on the original tax amount of {$4800.00} divided by 12 months to arrive at a monthly amount due, since the {$680.00} increase was previously paid directly to the escrow account. TIAA Bank receives each payment on time. The additional {$96.00} they receive from my monthly payments should be applied directly to my principal balance, as requested. Instead, I continue to receive fraudulent delinquency notices. The escrow account is not a slush fund. When I spoke with TIAA Bank via the XXXX, I requested a reconciled balance from the bank. The P & I, Subsidy, and Tax amounts were provided by the bank, so I do not understand why they still can't get it right.
11/24/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	TX 78731	Web	Older American
TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.
05/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92084	Web	Older American
To Whom It May Concern, I'm writing today to ask your assistance in helping my wife and me secure an equitable loan modification that will allow us to remain in our XXXX home. We simply dont know where else to turn, as you will understand after reading our story. For the past 10 years, weve lived with the knowledge that our home is in pre-foreclosure status despite our best efforts to secure a loan modification from XXXX, XXXX XXXX, EverBank and now TIAA Bank. Full disclosure : We did renege on a previous modification that was unfairly handled by the banks ; for two years, we made monthly payments of {$2400.00}, but we simply could not afford the inexplicable 50 % increase to {$3600.00}. Weve been told various different reasons why we dont qualify, creditworthiness, financial, not enough equity and the investor, who we've been told is XXXX XXXX but supposedly is XXXX, just won't approve it. The first time about five years ago was supposedly due to our credit, despite the fact that we had credit scores over 700 ; we have no car, student loan, or credit card debt ; and our small business has experienced exponential growth over the past few years, significantly improving our financial situation. We are taxpayers, members of the XXXX XXXX Chamber of Commerce, and supporters of our military and veterans as well as many local charities. Were assets to our community, even with the potential of losing our home hanging over our heads. It has also been a huge stress on my wife 's senior mother who we help out by having her live with us. We have an excellent accountant whos been helping us with the loan modification paperwork and has quite a bit of evidence to support that weve been given the run-around by the lenders. He also has two other clients in our same exact situation but different banks and he was able to get them both a loan modification. Weve paid thousands of dollars in legal fees over the past 5 years to prevent a foreclosure, but are truly stumped over what to do next. Were not even sure who owns our loan, as it was securitized. It was transferred to XXXX by a confirmed robo-signer and now XXXX XXXX claims ownership out of thin air. Its important to note that had a modification been approved 5 years ago, the money that went to our attorney and accountant would have gone toward paying down our loan. Instead, our arrears have increased, making it harder to get the loan modification and putting our house in a negative equity position. Can you help? We would really appreciate it.
11/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ]. My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
02/21/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 94549	Web
On XX/XX/2021, my wife and I wired a pre-payment penalty and paid off a HELOC loan on our primary residence. We grudgingly paid TIAA the prepayment penalty of {$1600.00}, plus a recording fee of {$180.00}, in order to get the HELOC off our title so that we could refinance the primary home loan. Shortly thereafter, we received a letter confirming receipt of the prepayment penalty and recording fee and also confirming that the HELOC has been closed. We thought this was the end of the ordeal, but 396 days later, the HELOC remains on our title, because TIAA has failed to record a reconveyance deed. We are trying to refinance our primary loan, but that effort is being held up ( and jeopardized ) because the title company is ( rightly ) demanding that TIAA record a reconveyance so that our title is clear of the HELOC. Over the last several months, I have spent well over four hours collectively over several phone calls to their help line ( XXXX ) and have spoken with no fewer than 15 people over those phone calls. I have also sent emails through their on-line access site. No one is able or willing to help me. Despite numerous attempts to contact TIAA by me, my wife, my lender, and my title agent, NO ONE can tell me why TIAA has yet to remove this loan from our title report. Over the course of these last several months, I have been told the process would take 15 business days, not once, not twice, but three times. When I call the TIAA number, they tell me I need to call the Loan Care number ( XXXX ), which they claim is a separate entity responsible for resolving this issue. But when I call the Loan Care number, they tell me I need to call the TIAA help number again. When I ask to talk to a supervisor at either number, I get put on hold for long periods of time, followed either by the same person informing me that his/her boss can't help me either, or that it will take another 15 days to resolve. This has taken place over the course of several months, and NO ONE has given me any indication that they know or care about what to do to help us. I have never in my life experienced this level of, not only incompetence, but sheer indifference. It is now costing me money, because I can not refinance my home loan without getting this loan off my title report. We have done everything we can at this point. No one from TIAA is getting back to us. Please let us know what more we can do to get the reconveyance recorded so that we can get on with our lives.
01/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22207	Web
The lender for my mortgage is TIAA Bank. I filed my complaint originally with the OCC but was referred to your entity since the issue is concerning the management of my escrow account. I own a rental property in XXXX VA. The taxes are due twice per year. In XXXX and XXXX of each year. In XXXX of 2020 I transferred title from my individual name into the name of a trust. The city of XXXX recorded the transfer and later sent a bill for my taxes to TIAA. The bill reflected the taxes due fom the date of the transfer into the trust until the first half of the year. TIAA Bank thought the bill was supplemental in nature. As they explained to me a supplemental bill is not required to be paid by them since it is supplemental. The bill was not supplemental but was for the second half taxes. TIAA Bank failed to pay the taxes due in XXXX and did not pay them until XXXX. When they paid the taxes in XXXX they paid them for the past due half year and the current amount due. The city of XXXX charged interest and penalties of {$610.00} for the late payment on the first half taxes. I received my escrow analysis of my account. Included in the escrow analysis was a charge for {$610.00}. The charge listed on my escrow analysis was listed as " taxes ''. I called TIAA Bank and spoke with a customer service person. The person confirmed that the {$610.00} was for taxes and was not for penalties and interest. I called the City of XXXX after hanging up with TIAA Bank. The city of XXXX told me the {$610.00} was for interest and penalties for non payment of the 1st half taxes. I called TIAA Bank back and told them that I felt that they were being deceptive by telling me the charge was taxes and not interest and penalties. I told them that they are responsible to pay my taxes on time and they should pass their interest and penalities to me for their non-payment. They told me that the bill was supplemental and was not required to be paid by them. I believe that they are hiding behind words and are not taking responsibility to pay my taxes on time. I repeat that their practice of passing along late fees and penalties as " taxes '' is very misleading and is deceptive. They told me that they will not refund the money for the taxes and penalties. I told them that the City of XXXX sent them past dues notices for the taxes and insurance which they ignored until the interest added up to more than {$400.00}
04/13/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MA 02150	Web
My TIAA Mortgage Lender called me on XX/XX/2019 to inform me that my XX/XX/XXXX mortgage payment was 30 days late. I explained that I have auto pay set up on my account, and they explained that it was no longer in place. I contacted a supervisor to explain that XXXX XXXX ( my bank ) experienced a fire on XX/XX/XXXX, which impeded any bank activity for three days. So, my mortgage payment was denied. I spoke to a TIAA mortgage representative who helped me make an ACH payment over the phone, but she failed to explain to me that TIAA would be attempting a second time to debit my " auto payment '' two days later. She was a new employee and was not familiar with the protocol. Given I would not have enough funds in my XXXX XXXX checking account to cover a second mortgage payment two days later, I canceled the ACH payment. TIAA was able to debit my payment via my auto payment option. Apparently, when I canceled the ACH payment, the TIAA mortgage rep canceled my auto payment option. So, I was not aware that my mortgage had not been paid on XX/XX/XXXX. ( But, I did successfully make my XXXX mortgage payment when they debited me the second time ). Also, when I spoke to the TIAA Mortgage Lender rep on XX/XX/2019, she said that they had sent me a letter on XX/XX/XXXX informing me that my XX/XX/XXXX payment was late. I explained that I had never received a letter and I open my email every day. I also never received a phone call or an email alerting me to this fact. When I arrived home from work on XX/XX/XXXX, I found a letter from TIAA telling me my mortgage was late! I also asked the representative over the phone, and she said the late payment had been reported to all three credit bureaus! I believe TIAA is behaving fraudulently in order to force me into default. I made the payment immediately over the phone to TIAA on XX/XX/XXXX for my XX/XX/XXXX mortgage payment, and it was credited to my loan on XX/XX/2019. I also pulled a copy of my credit report online and disputed the adverse reporting on XXXX. I received a notice today ( XX/XX/XXXX ) that my dispute had been addressed, but I can't tell if the adverse posting was removed. Also, I had trouble disputing it with XXXX and XXXX online. Their online dispute claim pages kept bumping me off. So, I am reaching out to you for assistance to remove the adverse reporting regarding TIAA on all three credit reporting agencies. Please advise. Thank you!
05/04/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA XXXXX	Web
My home equity line of credit with TIAA bank was recently handed over to XXXX for XXXX While still under TIAA, I was able to make payments online to both principal and interest any time I wanted. Now that XXXX has switched over to XXXX, I have only once been able to make a payment online. Every other time, I have had to call them, wait on hold for at least 20 minutes each time, and have often been given incorrect information about my ability to make a payment. Here 's the timeline : XX/XX/2021 - I received an email stating that my TIAA HELOC would be transferred to XXXX for XXXX XXXXXX/XX/2021 - received an email stating that I had a new loan number ( at this point i could still login and make payments on the old website ) XX/XX/2021 - I set up my new username and password on the new site and received an email stating that my registration was complete. However, I could not use the site to make a payment. I got an error stating that I had to call to make a payment. XX/XX/2021 - I got another email stating " Your mortgage servicing transfer is complete! '' - Still could not make a payment online XX/XX/2021 - I called to make a payment over the phone. Was transferred a bunch of times. Finally got to a person who said they could only take a {$10000.00} payment, which is what I did. She applied my interest-only payment of {$830.00} and the rest to the principal. XX/XX/2021 - I once again had to call to make a payment over the phone. They would only take a {$10000.00} payment. Even though I had just made a payment, they applied {$1000.00} to my interest-only payment and the rest to the principal. XX/XX/2021 - I tried to make a payment online. Got the same error message. I called and after 20 minutes of being on hold, the call was disconnected. I called back to make a payment and was transferred 3 more times. The reps are always friendly but it seems like anytime they get a call they don't like, they just transfer it back into the queue. I worked in a call center years ago so I know that's a thing they do. The 4th rep I got to was helpful and said that I could make a payment over {$10000.00} but he just needed to get supervisor approval, which he did. I'm not entirely sure my variable interest rate is being calculated properly but I haven't been able to work out the numbers just yet. XX/XX/2021 - I was finally able to make a payment online in the amount of {$17000.00}
03/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR XXXXX	Web
In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.
10/10/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	WA 983XX	Web	Servicemember
my initial mortgage was with XXXX XXXX. tbey sold to XXXX or XXXX. now it seems to be TIAA the problem is the loan modification did not reflect 10+ years of payment. it cites the original loan of XXXX plus 2 years of back pay. payments were made. i tried bankruptcy 2 times. each time the lawyers failed. one dod not make payments. the sconond lawyer also failed. made copies of 1st bankruptcy. then the XXXX XXXX court in XXXX garnished 150 % of my wages before anu scheduled court hearing. the payments were again not made and the lawyer failed to tell me of any thing. i was stuck to never know then was harshly accused by staff at court i proceedings i was not part of. the loan modification i am trying to do. the words keep changing and the phone number they ( TIAA ) changed purposely. i have court notification of 2 lawsuits against XXXX XXXX bankruptcy court and XXXX lawsuit on XXXX/XXXX. the companies representing XXXX are bankrupt and out of business. big fiim in XXXX. collections agency also out of business. i submitted all my documents. i have been trying to get hud or certified counselors. they failed on the message and argued with me citinv i was wrong. i have documengs of each company coted. XXXX XXXX, XXXX/XXXX and tiaa. each different amounts with rears tha are more than my orgonoal mortgage amount it seems. this is wrong. the threats. the wrong and illegal misjandling from government officials who took oath and this deal with tiaa. i also question your counselors. the paperwork needed and the illegal acts of many eho require money that is is XXXX minimum to help. i am not a millionaire. i can sell this and have a house that should be worth much more than they say. i only want my life back. to be hurt emofionally and mentally thst took a toll on my pbysocal health is killing my body. an onset of XXXX from overworking last year and the garnishment that went and was hidden to go back to the courts. all illegal and i am praying in your care that this gets stopped. banks and illegal government proceedings. i am resilient. i will co tinue my paperwork. i am looking into lawyers so they will be held to the highest standard woth cleari g my name in every way. my home is mine. i did nothing wrong. i trusted the system broken. now i am being punished for their corrupt ways. please help. thank you!
06/26/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	IN 46614	Web
I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.
12/12/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92646	Web
EverBank ( recently acquired by TIAA in XXXX XXXX ) has held the servicing of my mortgage since XXXX. We bought the property in XXXX and the mortgage originated in XXXX. The property is at XXXX XXXX XXXX, XXXX XXXX, TX. The property was bought for my son, daughter -in-law and grandson to live in while they established in the area. A grad-daughter was born when they lived there. After Hurricane Ike in XXXX they moved back to XXXX. Although it had no damage. It then was rented for XXXX years and in XXXX I had my elderly mother move in from her 2 story townhome and has occupied the home since. On XXXX XXXX I got a " good-bye '' call from my mother at XXXX XXXX time stating that the home was being flooded and she was not sure if she would make it. After calling the city of XXXX XXXX to get her on the list to be rescued my son and I loaded some tools and supplies into my truck and took off for the hurricane zone. On the way on the 2 day trip, I checked the mortgage website and saw my flood ins had been paid just a couple days earlier, so I called to file a claim. Upon arrival and picking my mother up from the XXXX XXXX XXXX, I was given the news that I did not have flood insurance for several years. After setting up a trailer in the driveway and getting a contractor and services in order, I returned to XXXX and called EverBank once again and was told by XXXX in customer service that they never collected for flood so it was never paid. So what was the entry in the escrow for flood ins.? Not her problem. So I am out almost 28k for repairs and upgrades on the home to get it functioning again for my mother to move back in. And due to it not being my primary residence, FEMA sent me a denial of any assistance via email almost immediately as I completed the online application process. My XXXX year old mother who lost almost everything to huge piles in the front yard, also got FEMA denials due to my contractor was so good and poured huge resources into the home, the home was livable and almost complete by the time FEMA came out to assess. Weeks earlier sewage and water to knees, torn out cabinets, kitchen and baths, ruined carpet, non working appliances, beds, dressers, chests, pictures, memorabilia, coffee and end tables - all gone. I had to use a lot of credit cards and savings.
10/26/2016	No	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	MT 590XX	Web
I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!
04/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90804	Web
Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.
09/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MA 02122	Web
I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.
12/01/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	TX 78759	Web
Greetings, Bank XXXX : TIAA Bank I have 2 CD 's in TIAA bank, which matured on XX/XX/XXXX. I had 10 days as grace period from the maturity date to make changes, or close the CD as per the bank information. On XX/XX/XXXX, ( when I was on the last day of my grace period ) -- I called to close my CD. It being a holiday, the bank was closed so I was unable to speak with a bank representative. TIAA is an internet only bank allowing XXXX online access. So I decided to log in online and make changes to my CD 's there. I was told that to make changes, I would have to call the bank. So I called the bank next day morning. They told me that I was out of my grace period ; to which I responded that I did not get the full 10 day grace period, as XX/XX/XXXX was a holiday in addition to weekend which is Saturday and Sunday. So in short I had only 7 days of grace period instead of what they state as 10 days grace period. It would have still worked for me- if I was allowed to make changes after logging in online on the banks ' website. I could access the information. However could not make changes to my CD. So even from the online angle- I did not have 10 days of grace period that the bank claims. Finally I was told that they would work on waiving the penalty for early closure of CD. Though I do not think that is the correct terminology- it is me getting my full 10 days of grace period. I thought the matter is settled no matter how they classify it. Then on XX/XX/XXXX I was told that they can not waive my penalty for early closure of the 2 CD 's. I think this is totally unfair that I actually had only 7 days of grace period, and that I could not even make changes to my CD by online access. And they claim XXXX online access as it is an internet only bank. One of the reasons banking with them is because of online access. The bank is in XXXX and I live in XXXX. Based on the online accessibility ; I decided to bank with them. Solution I am asking for : To be allowed to close my two Cd 's and waiver of penalty for closing them as the online system not working is not my fault. Thank you for your help.
11/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07424	Web
Our COVID-19 related forbearance on our XXXX XXXX loan expires XX/XX/2021. In order to request a payment COVID-19 payment deferral we were instructed by a phone representative and via the end of forbearance emails we received from XXXX and TIAA bank , that we should fill out a mortgage assistance application in order to be evaluated for the COVID-19 payment deferral. On XX/XX/2021, we downloaded the mortgage assistance application, completed it, included all requested documentation, and mailed it to XXXX TIAA Banks loss mitigation department via USPS . We also emailed it to XXXX. Along with the application we stated : The forbearance plan for our Fannie Mae backed home mortgage loan ended on XX/XX/2021 and we are requesting a COVID-19 Payment Deferral. Our COVID-19 related hardship has been resolved and we are able to continue making our full monthly mortgage payment. At this time, we are unable to afford a full reinstatement or a repayment plan to bring our mortgage loan current. Today on XX/XX/2021 we received a Flex Modification Solicitation Cover Letter and Agreement to sign. This is not what we want to do as it doesnt provide any deferment on our forbearance amount and will negatively impact our credit. We are able to afford the monthly payment under the current terms of the mortgage and do not want to extend this loan to 480 months. We immediately called XXXX and inquired as to why were sent this agreement instead of the requested COVID-19 payment deferral. We were told that because we completed the mortgage assistance application, we were applying for a flex modification loan. We told the representative we do not want a modification on our mortgage loan and would like to be evaluated for a COVID-19 payment deferral. I feel that XXXX isnt following all the requirements for a mortgage servicer post COVID-19 forbearance. As per the Fannie Mae Lender Letter ( XXXX ), we feel that we meet the Eligibility Criteria for a COVID-19 Payment Deferral. However, even though we specifically requested to a COVID-19 payment deferral, we have yet to be evaluated for it or offered one.
09/05/2019	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	TX 76712	Web	Older American
I have retirement plan accounts through XXXX University at TIAA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). At the end of XXXX, I decided to diversify my investments and chose an automatic option on the TIAA website that re-distributed my money. However, in mid-XXXX because of a change in market conditions, I decided to make my investments more conservative and requested that all my money be put into two bond funds. I then noticed that the money in an account called TIAA Traditional did not transfer. After I complained about this, a customer resolution manager, XXXX XXXX, informed me that because of one mistaken checkmark, they considered that I had effectively signed a long-term 10 year contract to keep my money in this TIAA Traditional account. They say there are no options for removing it to other investments. TIAA combines the following elements into a classic gotcha scheme : 1. Design a system that automatically directs customers to invest in TIAA Traditional. Mix it in with other investments that are standard funds which require no contracts. 2. Trick the customer into clicking on a checkmark and claim that this constitutes a duly signed contract, although they do not have a signature and there is no actual, separate contract. XXXX. Hold the customer 's money hostage for 10 years by pretending that the customer has no rights outside of the supposed contract. This particular investment overcharges on fees and pays a poor return. TIAA will not : 1. Supply a copy of the contract they claim I digitally signed. 2. Tell me the penalties which apply to breaking this contract. This is abusive and predatory behavior. I am near retirement age and my son is special needs. They will cripple us with this crazy situation. I have approximately {$53000.00} in the TIAA Traditional account. There is a class action lawsuit that was filed against XXXX in XX/XX/2015 by XXXX XXXX XXXX because of this behavior, but I do not know the status of this. Here is the link : XXXX XXXX XXXX Please help me! XXXX XXXX XXXX XXXX University
07/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33407	Web	Older American
I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then. From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. Now I am seeing addresses that I never lived before. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. these things I did not know about until today
11/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32707	Web
We tried to remove our PMI as according to two websites ( XXXX and XXXX ) and the selling housing around us is worth between {$380000.00} and {$390000.00}. Our original sales price was {$320000.00}, our original loan amount was {$300000.00}, our balance at the time of application was {$280000.00}. Based on those numbers, we applied in writing to our mortgage company TIAA Bank to remove our mortgage insurance as we owed 80 % of our house value. TIAA Bank informed us that according to our mortgage we can only remove the PMI if the house is worth 75 % of our current house value or 80 % of our original purchase price. TIAA Bank also informed us that if we wish to perform an appraisal of our house it will have to go through a company they assigned and we will have to pay the {$460.00} fee. Somewhat confident in our house value we ordered the appraisal. The appraisal was ordered and performed on XX/XX/2019 by XXXX and they assigned XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX. The appraisal showed a current value of {$300000.00}. Our complaint would be 1. We can only communicate with the department handling the PMI through mail. 2. We do not have any right or say in what company is used in the appraisal. We understand the house may not be worth exactly what the suggested websites suggested, but the difference is extremely great. 3. Is there a regulation on these misleading websites? The day after the appraisal was done, our house decreased in value according to XXXX to {$370000.00} ( from {$380000.00} three days prior ). We wouldnt have paid {$460.00} to have a appraisal done if we didnt feel it was close to the 75 %. What rights do we have as consumers? We were trying to get some breathing room with lower mortgage payments but instead we are out {$460.00} and a house that is according to the appraisal but not the market (? ) worth less than our purchase price? The house next door sold for over {$400000.00} less bedrooms bigger sq.ft, yet the appraisal do not include that to the comps?
06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DE 19803	Web
I had a mortgage in XXXX with TIAA XXXX. The loan was transferred in XX/XX/XXXX to XXXX. In XX/XX/XXXX the company said I had to pay an additional {$100.00} because my escrow was too low because they had an additional sewer tax that was not included in the initial escrow calculation. I paid the additional amount for the mortgage that month and saw that my escrow had increased {$31.00} per month due to the sewer tax. At the time, I was dealing with a death in the family and did not research the sewer tax. When I received my new sewer tax in XX/XX/XXXX I called them and asked if they were paying this. They said yes. In XX/XX/XXXX XXXX XXXX sent a letter to me saying I was in arrears for the sewer tax. It was never paid. I paid the sewer tax for XXXX. When I paid it, I noticed that I had paid the sewer tax in XXXX as well. The bank never paid a sewer tax on my house ever, yet they increased my monthly escrow amount and made me pay an additional {$100.00}. When I called them on XX/XX/XXXX and asked for a review of the escrow account to remove the sewer tax in the calculation, it was denied because of my loan to value ratio, which has nothing to do with the sewer tax. They claim they sent me a letter indicating this but I have never received a letter from XXXX about my escrow account. I did not learn about the denial until I called them today, XX/XX/XXXX. In addition to this error they had another error as well in my escrow account online indicating my previous escrow amount was {$550.00}. It was not. It was {$410.00}. According to the customer service rep, that was because they were adding the {$410.00} and the {$100.00} that I paid ONCE, and used that as my old escrow amount. When I pointed out the error I got a laugh. I don't find the errors in my escrow account funny. This is not the first time a bank has not been able to add correctly for escrow. Seems to be an industry thing that they steal from people who are unaware that banks can't add.
08/18/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA XXXXX	Web
On XX/XX/XXXX, I requested the opening of a checking account through TIAA Bank. Even though my application went through and I was waiting for a final decision ( I don't know who makes this decisions ) someone at TIAA canceled my application. I was never advised why my account had been denied from opening. I had to login myself only to find out this person made an unreasonable decision. Never received " adverse action '' to find out and have a little of details on why my application was denied. Furthermore, I held an account before with TIAA Bank, more than a year ago. I opened it without any kind of trouble, this time the human being who checked my application approved me and I was able to enjoy of their benefits for a short period of time. It wasn't until a company that owed me money sent me a fraudulent check that was deposited in my XXXX XXXX account ( still current bank, because real humans work there ) and I decided to take my business to TIAA, again, because of their benefits. I right away deposited a personal check for the amount of pending funds plus amount on account ( XXXX XXXX ) to TIAA, to start my business with them, but unfortunately check never posted due to my Bank couldn't verify funds and didn't approve the transfer to my new Bank ( TIAA ). My account was closed, customer Service worthless, don't understand, don't believe in anyone, rude people, told me to try again applying for a new account, they can't reopened it because it was closed already, worthless people who by the way had the power to reopen account and didn't do it just because 1 single and simple error, the worst Bank ever at the moment and how I will call it in social media and the internet from now on because I will make my job for the American people to know what kind of Bank is this. All in all, waited all this time for that bad remark to go away and wanted to give it a try again, looks like I'm still wrongly flagged and I can't open an account.
04/25/2021	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	NY 10583	Web
Approx XX/XX/2021 my ONLY mortgage from TIAA Bank was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called TIAA to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... XXXX details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... .. Well obviously so! My credit score has dropped by 20 points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. Credit bureau tips always suggest not to close accounts. More importantly the TIAA rep **NEVER ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO TIAA PAPERWORK NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, TIAA and XXXX have negatively affected my credit! A bunch of liars!!! I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.
07/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 040XX	Web
EverBank failed in the first complaint to address the issues in the XXXX XXXX , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with XXXX XXXX if only they had one would have been sent. It can be shown to a judge. The XXXX XXXX , 2017 letter was a response to a XXXX XXXX , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by XXXX XXXX that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law. Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against. XXXX XXXX suggests that all parties read the XXXX XXXX , 2017 letter again. This will be the last time it will be mentioned outside of a court room. Bad paper is not irrelevant. The question XXXX XXXX wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that XXXX XXXX XXXX motives are out of desperation but a simple Yes or No response. XXXX XXXX has the right to seek additional damages associated with this matter. It has been over sixty days since the XXXX letter was sent, EverBank has yet to answer this question.
04/06/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	XXXXX	Web
My CD account was matured in XX/XX/XXXX. Then There was a period of 10 days for me to give a instruction to renew or not. I called TIAA BANK and told them to close my CD account and transfer my money to my account in other bank first time in XX/XX/XXXX. And I sent a firm with account detail information by email to TIAA BANK in XX/XX/XXXX. But they didn't process my requirement and renew my CD account for another 5 years. Then the bank manager told me that there would be a penalty of about XXXX dollars if I close my CD account. The CD amount is about XXXX dollars. The TIAA BANK specialist, XXXX XXXX got my phone call and the filled form of transferring money from my CD account of TIAA BANK to other bank in XX/XX/XXXX. I thought she had processed my instruction But she postponed my instruction and hold my money in TIAA BANK. I sent the form twice to her by email at that day. As there was not any feedback, I asked her to process my instruction and sent the form twice by email in XX/XX/XXXX again. I still thought she had already processed my instruction but still did postpone my requirement. Later, she told me she had already transferred my case to other colleagues to process it in XX/XX/XXXX. As I still could not see my money transferring, I called TIAA BANK again. An operation consultant of TIAA BANK, XXXX XXXX, ( She is a lier ) told me there would be a penalty of XXXX dollars if I closed my CD account. I told her I sent my requirement before my CD renew. She said she would talk to her manager, XXXX XXXX, about my case, and she promised to call me back in 30 mins and send me an email at same time to tell me the result. BUT, she did not call me back and send email. I waited for her from XXXX XXXX to XXXX XXXX, my local time. When I sent an email to her to ask why later she said she forgot!!! I called TIAA BANK again. XXXX XXXX, a lead consultant, rudely told me there would be a penalty if I close my cd account.
02/11/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CT 060XX	Web	Older American
In XX/XX/XXXX I contacted Everbank, the servicer of my mortgage, requesting a modification of its terms in an effort to avoid default. My monthly mortgage payments had recently escalated 24 % when the loan converted from interest-only to a conventional ARM -- an increase that was unanticipated ( as interest rates had actually fallen substantially since the mortgage was originated ) and unsustainable given my financial position. Frustrating conversations with Everbank, the loan 's servicer, eventually yielded a response : my mortgage had been packaged and sold and could not be modified. I subsequently attempted to contact the loan 's " master servicer, '' XXXX Bank, via their Securities Administrative Services Department, in an effort to identify a staff member with whom I could discuss my circumstances. This task proved impossible. I then made a fruitless effort to reach the " trustee '' for the loan, XXXX, which, in turn, represents the actual owner of the note : XXXX. Asset Backed Pass-Through. As to my personal circumstances : in XX/XX/XXXX, the recession having taken its toll, I closed my business and am now in the early stages of a new venture. My resources are finite but, with the cooperation of Everbank, XXXX, et al I could make reduced payments, avoid a personal credit crisis, and render foreclosure unnecessary. I have listed the mortgaged property for sale in order to fund a loan pay off -- but the market remains soft in my area and at my price point. It is my full intention to satisfy my mortgage obligation. I simply need to reduce the monthly payments until the property is sold or my new business begins to generate revenue. My difficulty is that I can not locate anyone at XXXX, or any of the other entities involved, to initiate a negotiation for the modification of this mortgage. My complaint is that the financial services companies involved with my mortgage are inaccessible and unresponsive.
04/08/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MA 02139	Web
I transferred {$5200.00} dollars back in XX/XX/XXXX to my XXXX XXXX account with TIAA. At that time, the company could not verify my identity and told me that the money would be placed on hold until I did so. I verified my identity shortly after, and was told that my money would be placed in my XXXX XXXX. I checked my accounts frequently after that exchange but did not see the money in my account, nor did the money go back to my bank account where I transferred the money from. It was XXXX at this point and I decided to wait since it was the holiday season. In XXXX, I called TIAA again asking about the status. The person I was on the line with said that I identified my identity too late ( even though they did not send me any emails about this issue, and I found it when I logged into TIAA myself and saw the message there ), and as such the money was being sent back to me. She said I would receive it by check through US mail in 2 weeks. I waited those 2 weeks and in XXXX called customer service again, and was told that they sent the check out. I once again said I did not receive it, and they told me that they will send another check out, and that I would receive it by XX/XX/XXXX at the latest. In XXXX, I had yet to see the check and decided to call customer service again. The person on the line said they saw I deposited the money, but have no idea where it went, and said they will call me back. I waited for 2 weeks again, and called customer service again, asking where my {$5200.00} was and when I can get it back. They are still in the process of finding it today ( XX/XX/XXXX ) as they called me the day before to update me on this. I am filing this report because it has been almost 5 months since I transferred my money over and I nor anyone I have spoken to seem to know where it has went. *The address on the bank statement attached has since been updated
01/27/2018	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	GA XXXXX	Web
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
04/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08043	Web	Older American
In XX/XX/XXXX, my wife and I purchased the subject property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was sold to EverBank a short time after closing. In XX/XX/XXXX, I contacted EverBank and informed them that we were seeking to give the property to EverBank in a deed in lieu process ( our loan with EverBank was current, and the property was vacant at this time ). EverBank assigned XXXX XXXX to handle our request. I submitted ALL the documentation that was requested and required. In XX/XX/XXXX, XXXX informed us that the application was complete. On XX/XX/XXXX, I received an Initial Eligibility Letter from EverBank. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three judgements under the name of another individual with the name of XXXX XXXX, who resided in areas that I have never lived. I informed them that these judgements are not mine. They were further notified that I have never lived in the areas, and had no knowledge of these debts ; and, furthermore, that I have bought and sold many properties with various Title Companies, and these judgements were never an issue in completing any of these other transactions. EverBank was also informed of these facts. On XX/XX/XXXX, I received a notice from EverBank that my application was complete. EverBank was then acquired by TIAA Bank. On XX/XX/XXXX, I received a Demand letter from XXXX , XXXX & XXXX notifying me of the balance of {$98000.00} and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX, and he assured me that he would clear up this matter. This entire situation is unnecessary and a waste of money. EverBank and their legal counsel should not be rewarded or compensated for being incompetent, and ( in my opinion ) working to extend this matter ( unnecessarily ) for maximum financial gain..
04/07/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	IL 60647	Web
I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.
08/14/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	CO 80214	Web
Received an offer from them via email earlier in the year for {$250.00} bonus with promo code XXXX, for opening an yield pledge checking account by XX/XX/XXXX and making a deposit for {$1000.00} and the bonus will be deposited within 120 days from account opening date. Since I already have/had a money market account with them for a while, at first I tried to open an account online but since there was no place in the application to enter the bonus code, I decided to apply via telephone and told her that I wanted to make sure that she enroll in this bonus offer XXXX XXXX XXXX. The person took all information and submitted the application but it seems it went pending for review and that I would hear back within 2 days. Since I did not hear back I called after 3 or 4 days and the person said the application has been approved and I again asked if bonus XXXX XXXX was applied and to my surprise the person said that she does not see the XXXX XXXX in my application but she was going to make sure that it was applied while I was on the phone and said she did that. I made the {$1000.00} deposit through employer account but until the end of XXXX had not seen the {$250.00} bonus posted to my account. So, I logged in to my account online and sent a message asking about this on XX/XX/XXXX. A week later I saw the status of the message as " read '' in the message center but no one has responded yet but this is not the first time where they read the message but do not respond. NOTE : When I have called them in the past especially during the application and later on during some account issues, I have had long long wait times and have even their voice recording mention wait times of XXXX minutes - so I welcome the person handling this complaint to reach by email so I can communicate with the person responding to this complaint directly and not by phone. Thanks!
04/03/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33308	Web
We have a 30 year fixed rate non conforming conventional 1st mortgage from XX/XX/2016. At the time we bought the house and took the loan, we knew that we wanted to recast the mortgage in a few years. Our loan was initially with Everbank and the mortgage broker, XXXX XXXX, specifically told us that we were allowed a one time recast, which would reset our monthly payment obligations, if and when we made a large principle payment. About 1 1/2 years into our mortgage, we were notified that TIAA was now the new servicer of our loan. About a month ago I contacted TIAA to find out what I needed to do to recast the loan as we want to pay of 2/3of the principle now. I was told that TIAA would need to get approval from the owner of our loan. I had no idea even that TIAA was not the owner of the loan. In any case, we received a letter that our request was denied by our lender, but I could not even get a clear answer of which bank or who owns the loan. And I couldnt find out why we were denied. Now with Covid. And our income greatly reduced it is even more important to get our monthly obligations as low as possible. After speaking to several different banks, that supposedly own our loan according to TIAA, ( XXXX XXXX and XXXX XXXX XXXX XXXX Branch ), howeverbothof them report that they do not own the loan! So it is completely unclear who TIAA even sent the request to recast our loan and it is unclear why we would not be allowed to. You would think in this time of Corona and people scrambling for assistance with paying the mortgages, that the bank and services would be thrilled to get at least a guaranteed payment of something! I have made multiple calls or emails to TIAA, XXXX XXXX and XXXX XXXX. Everyone has been anxious to help, but I still have no answers to who owns the loan and why the rules have changed and I am no longer able to recast.
09/11/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CO 80401	Web
{$110000.00} was borrowed from TIAA Bank in XX/XX/XXXX. Six regular payments were made on the loan for the months XXXX to XXXX as per the agreement with TIAA. I requested a payoff quote from TIAA on XX/XX/XXXX. The payoff amount in the letter of {$110000.00} was good thru XX/XX/XXXX. The pay off was broken into {$110000.00} unpaid principal, {$750.00} in interest thru XX/XX/XXXX, and a recording fee of {$55.00}. On XX/XX/XXXX, two checks totaling {$110000.00} were delivered by XXXX XXXX XXXX XXXX and received by TIAA bank. TIAA posted one check on the XXXX and chose to not post the other check until XX/XX/XXXX. Even if the payment was applied a day late, the additional interest per diem is noted as {$16.00}. TIAA did not close out my mortgage. Rather than pay off my loan, TIAA bank charged me {$1500.00} in XXXX interest, which is three times the normal interest amount. They deposited {$1700.00} into their escrow account, again three times the normal amount. The balance of the payoff amount, noted above, was applied to principle. I never was called by TIAA with questions. When I attempted to resolve this with XXXX ( emp # XXXX ) and XXXX XXXX from TIAA, the resolution was for me to pay an additional {$1300.00} plus a recording fee of {$55.00}. These amounts are on top of the amounts already paid. To my surprise, on XX/XX/XXXX, TIAA sent me an email stating they had paid an insurance premium in the amount of {$1000.00}. This email is what caused me to start looking into the issue. Further, the provider that was supposedly paid by TIAA called on XX/XX/XXXX, stating that the insurance was to be canceled for non-payment if not paid by XX/XX/XXXX. I had to pay the {$1000.00} out of my pocket rather than the escrow. It's unclear if TIAA sent the check or not. We are out yet another {$1000.00} because of TIAA.
09/26/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11763	Web
My husband was ill and passed away, we lost the main income overnight. I also lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf, although I have granted them permission. The mortgage has many violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgagor did not acknowledge or offered me any COVID relief during the period that I had XXXX 4th the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws. 5th I reached out to the bank 's attorney on several occasions to tell them my deceased husband who was on deed passed away before the judgement of foreclosure was filed. They never served his estate in the foreclosure proceedings. They are not supposed to auction the home without letting his estate know. My husband passed in XX/XX/2015 and the judgement of foreclosure was filed after his death. I've attached one of the most recent emails sent to the bank 's attorney regarding the estate issue. To which they said they are still waiting on the bank to respond to. It's been a week since the last email and they were called today.
11/18/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PA 170XX	Web
I have the mortgage for my home with Everbank formerly Everhome mortgage. XX/XX/XXXX I noticed that Everhome Mortgage was charging me late fees ; according to them because they had received my payment after the XXXX of the month. I knew that I had mailed my mortgage payments on time. I believe they are receiving my payments on time but wait until the XXXX of each month to cash my check ; trying to justify their so called late fees. When I contacted Everhome about what I suspected, their response was that it must be a delay with the US postal service and that I still have to pay the late fees. They also said that I was mailing it to the wrong address ( the address that is printed on the monthly mortgage payment stub ) and that I should mail it to a different address, attention cash management ( this address appears on the back of my mortgage statement as an " Overnight Mail '' address. I have voice recordings of all communications between myself and Everhome/Everbank. Anytime I spoke to one of their representatives I would ask them to clearly state their name ( they will only state their first name ) and I would ask them to state their employee number. As a result of their fraudulent late fees, in XX/XX/XXXX I began sending my monthly mortgage payments via certified mail. I have all the receipts. To date on my monthly statements they have " Total Fees and Charges '' of {$1400.00}. I have never missed a monthly mortgage payment and more importantly I have never been late with a mortgage payment. I also have had a business mortgage with a local bank since XX/XX/XXXX. I have never missed a payment with them and have never had any of this nonsense or extortion. In my opinion Everhome Mortgage and Everbank are nothing but con artists and crooks. And I have the evidence to prove it.
10/17/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AZ 85032	Web
I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. The bank is Everbank. XXXX XXXX XXXX
10/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11201	Web
I was previously in foreclosure proceedings in XXXX County Supreme Court, where I was represented by XXXX XXXX XXXX under Index No. XXXX. After negotiating with my bank, I received and executed a loan modification on XX/XX/2013. My lender was represented by a law firm called XXXX XXXX XXXX. On XX/XX/2013, all parties in the foreclosure case agreed by stipulation to discontinue the case because my loan had been modified. We filed the stipulation to discontinue with the clerk of the Court in XXXX County. On XX/XX/2013, we appeared in court to confirm that the matter was being discontinued, which in fact it was. I then proceeded to begin paying on my modified loan. However, I recently noticed that a charge for {$1700.00} began appearing on my monthly mortgage statements. Through XXXX XXXX XXXX, I sent an XXXX to my loan servicer seeking an explanation. They told me the charge was due to legal fees accrued by XXXX XXXX XXXX, and attached an invoice stating that the charges derived from a " bad faith Court directed hearing '' on XX/XX/2013, and covered correspondence, preparation of a witness, and an attorney 's appearance. However, there was no such hearing, as all parties had signed a stipulation to discontinue the case as of XX/XX/2013. XXXX issued an invoice for services it never rendered for a case that had already been discontinued without a " bad faith hearing. '' The XXXX firm has been targeted by federal law enforcement for systematically overbilling XXXX and XXXX lenders for foreclosure-related expenses, and my loan is a XXXX XXXX loan . The fact that my lender is now trying to pass off these fraudulent bills onto my account shows that this practice continues to harm borrowers like myself, and I want this charge removed from my mortgage loan.
04/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 45005	Web
I called Everbank to take them up on there offer the " XXXX Trial Period Plan ''. Since my house is in foreclosure. I called them on XX/XX/XXXX and the lady told me she would stop the foreclosure process and I told her I can call tomorrow with my paymentXX/XX/XXXX. So that is what I did, I made a payment to EverBank for {$350.00}. I thought everything was fine ( alot less stressed out I have been in my home for19 years and I have alot of equity built up and I feel they are taking advantage of me ) So I called back onXX/XX/XXXXand made another payment of {$350.00}. I asked the lady why they did not stop the foreclosure and she said they did and I said really that's why a sheriff sale was listed for my case on XX/XX/XXXX. She told me I needed to contact there lawyer? What? After I made my first payment on XX/XX/XXXX I recieved a letter from there attorney on XX/XX/XXXX stating that EverBank was still going to proceed with the foreclosure. I was lead to believe they was stopping the foreclosure while I was on the mod trial period. IMy relationship manager XXXX XXXX told me the foreclosure is stopped, reaffirming more than one time that they stopped the foreclosure and told me I could make my payments anytime during the month. So now I am wondering why my house is listed for a sheriffs sale? I really thought my bank wanted to help me. They are dual tracking me right now and I have read this is not the first time EverBank has done this. This is why I am making this report cause I think what they are doing is illegal. Your help is greatly appreciated in this matter of me staying in my home or being homeless. Thank you! They have tacked on so many lawyer fees my head is spinning. I owed {$28000.00} before all this 6 years away from payoff.
04/18/2019	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NY 11566	Web
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured as a valued customer of XXXX XXXX, our commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX
04/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 974XX	Web
TIAA has held our payments instead of applying them and then assessed late fees. They will not apply payments as we have asked. We paid the escrow as their customer service agent direct us to back in XXXX of 2018. We were told go pay the full escrow and that it would be removed from the account. We were also instructed to only pay principle and interest. We have been calling and writing letters with nothing but negative results and complete inconsideration for restocking this matter from TIAA. They have tried to overcharge our escrow and continue to hold our payments in suspense so they can assess more late fees. Then they negatively report against our credit. This has become an impossible situation. We have paid the escrow and monthly principle and interest on time. We have been calling and asking for transcripts of the calls and they wont supply them. We have written letters and they disregard our complaints and tell us they can do whatever they want. Please help us get this situation resolved. TIAA is calling us almost daily and harassing us and sending threatening letters with falsely reported amounts on delinquent notices and foreclosure threats. They have been disrespectful of our sons medical situation and caused more anxiety for our family. It is completely unnecessary, the account is current, with the exception of their late fees, that they should not have charged. We have tried contacting them through phone and letters and doing everything we can. It is clear that they have no interest in servicing this loan correctly or applying payments correctly or doing anything but assessing fees and creating enough chaos that well just give up and pay whatever they tell us to. As their manager conveyed to us in XXXX.
02/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60076	Web
TIAA Bank erroneously reported to all 3 credit bureaus erroneous information about our account and it has hurt our credit scores. Our mortgage went into forbearance under the Cares Act because of COVID. Our last payment was for XX/XX/XXXX and it was made in XXXX of XXXX. On XX/XX/XXXX, TIAA Bank, the lender, erroneously reported to XXXX XXXX & XXXX that the account was closed. Our account is not closed. Second, the mortgage lender reported to the credit bureaus erroneously that payments are " late, '' are " 180 days past due. '' Third, TIAA Bank erroneously reported incorrect balance due amounts, showing a balance increase between XX/XX/XXXX and XX/XX/XXXX. Our balance has not and should not have increased. When we brought this to the attention of TIAA Bank and their servicer XXXX, they said it should not have been reported closed, should not have been reported late, and the balance should not have gone up. However, they have not corrected it nor have they responded in writing of their intention to correct the problem. Their erroneous reports have caused our credit scores to drop significantly. My husband 's score dropped well over 100 points and he went from being in the XXXX 's to being in the XXXX 's. My score dropped as well. We have filed formal disputes with all three credit bureaus but this has been incredibly stressful to have our lender file so many erroneous things during this pandemic when we are already suffering in forbearance. We were promised by TIAA Bank there would be no negative consequences to asking for forbearance but they have ruined our credit and caused us to spend many hours disputing it. Your help is needed and you need to know how this bank has treated us during this stressful time. Thank you.
11/28/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 774XX	Web
My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!
07/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94030	Web
My mortgage company, Everbank, is purchasing hazard insurance and charging me for it, saying that they do not have evidence that I have my own hazard insurance. This property is a XXXX, and the XXXX has a master insurance policy, and I also have an additional hazard policy with XXXX. Everbank is aware of the XXXX policy, but beginning in 2015 they began charging me for a XXXX Master policy, saying they would refund the charge when I provided evidence that my XXXX has its own policy. I have submitted evidence of this insurance to them SEVERAL TIMES, but they continue to claim that I have not, saying its not the proper insurance coverage. Additionally, each time I speak with them about this they change the type of insurance that they claim is missing. First it was liability, then it was hazard, then fire, and most recently it is wind coverage. Despite several phone calls to Everbank over the past year, not only have the charges not been removed as promised, they are charging me again this year. I have never missed a payment, never been without insurance coverage, and I have complied with their requests to the best of my ability every time they have asked for information or proof of coverage. It should also be noted that Everbank was not a mortgage company that I chose to do business with. My original mortgage was sold to them without my knowledge or consent, and now they are charging me for things that I am already paying for, even though I have submitted proof to them several times. I have spent many hours trying to get this resolved to no avail, and every time I call them I have to start over with a new agent that tells me the same thing and does nothing to help resolve the situation.
02/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07424	Web
Our loan has been in continued forbearance since XX/XX/XXXX, however, it is being reported by our mortgage company, TIAA, as delinquent to credit bureaus. Our loan is being reported as closed ( in bad standing ) with delinquent payments 30- 59 days past due to at least two credit bureaus. XXXX is reporting a missed payment beginning on XX/XX/XXXX and XXXX is also reporting a missed payment for XX/XX/XXXX. However, we have been in continuous, uninterrupted covered forbearance plans since XX/XX/XXXX with no period of delinquency ever for this loan. We applied for mortgage payment assistance related to COVID-19 and were placed in an initial forbearance plan beginning XX/XX/XXXX covering through XXXX XXXX. We have requested and been granted extensions for this forbearance plan, for continuous forbearance coverage through the following dates : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX We are requesting TIAA Bank and the new loan servicer XXXX update our mortgage files and all credit reports to show the current forbearance plan and correct all the credit reports for both XXXXX and XXXX to reflect accurate information regarding this mortgage loan. Please update our records to show the start of the initial forbearance as being XX/XX/XXXX. We feel that our mortgage company is in violation of the RESPA act by reporting inaccurate information about our mortgage to the credit reporting bureaus. As a result of this false reporting my credit score has dropped over 80 points. I have had my credit card interest rates raised by the issuers and I have had at least one credit card closed by the issuer because of the now lowered credit score.
05/17/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 91601	Web
Investor is Everbank AND Servicer is XXXX. My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime in XX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally on XX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX has its own timeline. On XX/XX/XXXX, which is 30 days later, they sent my file to underwriting. meanwhile I had scheduled foreclosure trustee sale on XX/XX/XXXX. The entire time to this day, my home has been on active sale and marketed thier attorneys XXXX XXXX and XXXX XXXX XXXX, who are not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with bidding instructions of {$500000.00} minimum bid. On XX/XX/XXXX, I was so furious and talked to an employee, who could not explain what was going on, even after consulting with their supervisor. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date. I communicated and wrote to my servicer, to date I can afford my monthly payments comfortably and make my payments on time. I wish to keep my primary residence and will do what ever it takes for my and family and the rest of the tenants. I wish XXXX XXXX the investor to my loan sends it somewhere else for servicing. My home is also located in the XXXX XXXX area declared by Fema on XX/XX/XXXX for the natural disaster floods. This situation caused furthermore financial harm to my family.
07/14/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	WA 98370	Web	Older American
I have a Home Equity Line of Credit which was initially opened approximately XXXX when I purchased my home in XXXX, WA. The HELOC currently has a {$0.00} principal balance and has been dormant for many years. Since it 's opening, it has changed ownership several times with different lenders. I received a notice dated XXXX/XXXX/XXXX that Everbank had assumed ownership effective XXXX XXXX, XXXX. There has been no activity/service provided by Everbank. Nor have I received benefit from its use. I received a letter dated XXXX/XXXX/XXXX that since it was in the repayment period with no future draws allowed, Everbank would like to close the account and prepare a lien release. The enclosed documentation stipulated the {$0.00} balance BUT demanded a {$120.00} recording fee from me. Today, I contacted Everbank and spoke with 'XXXX XXXX, Client Services manager who was adamant that they were fees due me and stipulated by XXXX XXXX auditor/recorder. She gave me the number for the XXXX XXXX XXXX. I spoke with XXXX XXXX in that office. He shared that the Washington State legislature mandates that the collect {$73.00} + $ XXXXpage for recording the document. Any fees charged otherwise are set by the bank. My perspective? This mortgage was likely purchased in a package of loans by Everbank. Likely they would not have made that purchase without the expectation of profit from that package. However, for my mortgage, a small subset of that package, they have provided NO service and I have received NO benefit. Consequently, I see NO justification for fees to be paid BY me while no services have been received. I consider this a completely unjustified fee from Everbank. XXXX XXXX
08/10/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11746	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TIAA bank XXXX XXXX XXXX XXXX XXXX VA XXXX THE REFERENCED DEBT COLLECTORS HAVE ENGAGED IN DECEPTIVE PRACTICES, AND BROKEN CONSUMER LAWS. UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). SUBJECT : This is a formal complaint and request for an immediate investigation, intervention and your protection on this egregious matter against the above referenced Debt Collectors for doing dual tracking under XXXX XXXX XXXX XXXX " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. I have been trying to obtain a modification from the above debt collectors, for my under water property. I submitted my application on XX/XX/2022 within a 10 weeks the debt collectors have put a sale date on my property for XX/XX/2022. I have been advised that my application is been reviewed by the underwriter and nothing else is needed as per a Phone call made to TIAA Bank Servicing XXXX ( XXXX ) XXXX on XX/XX/2022, spoke to XXXX, a TIAA representative. The above debt collectors also failed to provide verification and validate the alleged debt from the original creditor with true and certify signed original contracts to validate the debt. and verification through audit certification of debt entry in accordance with XXXX, and XXXX. Please by the intervention of an investigation of THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. Thanking you in advance,
04/20/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OK 73112	Web
Good evening. I would like to submit a complaint regarding the way TIAA bank handled my mortgage buyout. I did not authorize this buyout and I wanted to stay with my lender and mortgage company XXXX XXXX out of XXXX XXXX. This FL company bought my mortgage out and did not send me any confirmation and all the calls went to my XXXX spam account for fraudulent numbers. I did not know they were buying my mortgage, because I work on the road and was not home, and when I finally figured out they did buy it I was hounded on the phone for over {$3000.00} dollars. I told them my mortgage company was XXXX and they did not care because they needed me to pay my late fee and my 60 day late notice. I paid everything in lump sum and moved on. I did not receive any mail and I did not know what was going on. Please help me take off this 60 day late notice off my credit record so I can get a good refinance on my house and an equity cash out to help fix some of the renovations. I paid this TIAA bank in full and we moved on BUT I did submit a claim with XXXX and I complained to the TIAA banking manager numerous times to help me take the late notice off my record. I have not missed any mortgage payments since and I am always on time with all my payments. I need my credit record cleaned up because this TIAA bank will not help me and they are making it very difficult. Recently they just changed my account number to a new website/sister company and it is even more difficult to just work with this company. I am changing my mortgage over to a new lender but I do need my credit score fixed before I do so. Thanks for all your help and hopefully we can resolve this.
03/28/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 086XX	Web	Servicemember
Dear Sir or Ma'am, COVID-19 Impact have extended benefits particular to several financial institutions specifically for mortgages. In my family 's case, our mortgagee, TIAA is offering an 120-Day Forbearance period of the monthly payments however, the four-month skip payment arrangement is very concerning especially when the borrower is required to pay the entire four-month balance at the end of the forbearance period. My family would be required to pay nearly $ 9k of which is very unrealistic, in our time of this financial and pandemic crisis. Simply put, this is NOT a feasible task for the majority of homeowners, like my family. We are using these monthly payments to support home expenses such as electrical, heat, water, food, and other necessary needs due to our family 's income shortage. We need to live through this pandemic Carefully speaking for millions of American homeowners, the mortgage companies should seriously consider moving the payments to the end of the loan, so homeowners such as my family can rest easy knowing that a monthly payment isn't required at the end of the Forbearance period, otherwise, there will be several foreclosures and a repeat of the mortgage crisis of 2008. Therefore, I respectfully and cordially request that TIAA reconsider their Forbearance policy and allow their borrowers the monthly payments to be moved to the end of the loan. This isn't a time for negotiations. This is as American 's supporting one another in the fight for our future and livelihood. We need help, and TIAA should be a part of the solution, not problem. Respectfully, The XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
08/29/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 970XX	Web
Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. thanks XXXX XXXX
06/22/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	VT 057XX	Web	Older American
For most of XXXX, I held XXXX shares of XXXX XXXX in a brokerage account with TIAA.. When I received my income tax forms from TIAA, I noticed capital gains associated with the sale of the XXXX shares of XXXX. I was neither aware of or authorizing of the sale. On XX/XX/XXXX, I called TIAA ( XXXX ) and spoke with XXXX XXXX. He advised that the XXXX shares had been acquired by XXXX XXXX on XX/XX/XXXX. He checked my TIAA brokerage filed reported to me that he found no notice to me of the sale. I e-mailed XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I received an e-mail from XXXX XXXX, XXXX XXXX Investor Relations on XX/XX/XXXX. XXXX XXXX reported that the merger was announced in a press release on XX/XX/XXXX. He indicated a XX/XX/XXXX press release announced regulatory approval of the merger. An XX/XX/XXXX press release announced the completion of the merger. TIAA did not advise me of any of these events. I remain completelyunaware of who authorized the sale or why, I, thenshareholderwas not consulted. I would not have sold the shares if I had known of the transaction. For documentation, I have TIAA Brokerage Account Year End Summaries showing the sale, a copy of the the XXXX XXXX e-mail, and my notes regarding the XX/XX/XXXX phone call with XXXX XXXX. On XX/XX/XXXX, I filed a complaint by mail with XXXX. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke with XXXX. He advised that XXXX had no record of receiving my complaint and would not have contacted me anyway because " We run a completely impartial service. '' I find this investigation process to be completely unacceptable and instead filed my complaint with your agency.
06/10/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 115XX	Web
In XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX , XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX , there was an assignment of mortgage filed with XXXX County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from XXXX XXXX XXXX , XXXX . to XXXX XXXX . On XX/XX/XXXX , XXXX started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible? I also never receive any bank statements from XXXX XXXX instead I receive mortgage statements from Everbank which is a party that I am not familiar with. I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied XX/XX/XXXX . The I resubmitted another loan modification application on XX/XX/XXXX which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
07/18/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07306	Web
XX/XX/XXXX - Started discussing with a XXXX XXXX from EverBank XX/XX/XXXX - Application submitted / Credit check done XX/XX/XXXX - I think Rate locked. Have few days to finish the application XX/XX/XXXX - XXXX concern how a {$5000.00} float down deposit was shown in disclosures XX/XX/XXXX - Was promised the deposit is refundable if mortgage doesn't proceed XX/XX/XXXX - Paid a {$5000.00} via credit card for a float down option XX/XX/XXXX - Spoke to XXXX XXXX and expressed the mortgage is facing inspection issues. It wont ' close XX/XX/XXXX - She said she is working on it. She said she will look into the refunds Between XXXX to XXXX - couple follow-ups stating the bank is working on the refunds XX/XX/XXXX - Jayne/bank asked for some " seller can not convey title '' letter. My attorney can not provide that letter as mortgage fell through due to inspection issues XX/XX/XXXX - Followed up again for refunds to XXXX. No update but said i will check XX/XX/XXXX - Followed up again if they need more details or asked for supervisor. XX/XX/XXXX - or so - Spoke to XXXX 's XXXX Between XXXX and XXXX - multiple follow-ups ... XX/XX/XXXX - XXXX said he can not refund the {$5000.00} deposit. I have documentation from attorney that there are multiple inspection issues which is causing the contract to fail. I feel the Representative of the bank did not do much do address and in fact provided incorrect information when trying to sell the float rate lock product. I would like to take this to a small claims court and proceed filling against the agent and the bank for not helping through the refund of the deposit.
09/30/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98102	Web
My mortgage was transferred from one company ( XXXXt ) to TIAA Bank. I have 2 complaints : 1. I was not given sufficient notice of the transfer. I received notice by letter less than 2 weeks prior to the next scheduled payment date of my mortgage payment. As I travel a lot, this meant that my automatically scheduled payment to the prior mortgage company was rejected, and my mortgage went unpaid until I returned home and saw the letter. I do not know who is responsible for notifying me of the transfer, so I'm not sure if this complaint is against XXXX or TIAA, but I assume TIAA ( the new mortgage company ). 2. TIAA bank has deficient online access to my mortgage. I constantly receive error messages when trying to set up online access to my account, and am still unable to do so. I have spent hours on hold with the company trying to reach a human, and often give up after hold times of over 2 hours. I have tried calling on multiple days, at different times ( but always during business hours ). Last month, I finally talked to a human representative who assumed me, after over 3 hours on the phone, that she's resolved the problem and i would have online access within 48 hours. This turned out to be false. I reached someone today ( XX/XX/XXXX ), who told me the exact same thing the last person did - that she'd fixed the problem and I would have to wait 48 hours before possibly getting access online. However, this means that I won't have access until one day AFTER my payment is due. The failure of their systems and extreme difficulty in reaching a human to talk to is unacceptable.
05/05/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 07017	Web
Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do
03/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 845XX	Web
TIAA Bank illegally withdrew {$840.00} from my bank account on XX/XX/19. When I phoned them regarding this issue TIAA admitted they were in the wrong. I instructed them that the unauthorized debt amout of {$840.00} needed to be credited back to my bank account because it will deplete my entire bank account for the month of XXXX. I was informed that it would take 2-3 weeks to do that. I immediately filed a stop payment and unauthorized debt of my bank account. After numerous phone calls to TIAA Bank I was informed to wait and make my XXXX mortgage payment when the 2 unauthorized payments made by them cleared my account with them. In the mean time they froze my account, would not allow me to make a payment by phone or online. After leaving several messages with TIAA Bank without receiving any call backs from them. All this resulted in delinquency notices, late fees, NSF fees and negative reporting to the credit bureaus. All this was caused 100 % by TIAA Banks poor practices, illegal bank debts and a complete unwillingness to resolve the issues they caused. All I received from them was we know we are in the wrong regarding this problem to your account, but you the customer need to file a complaint with us to resolve the negative credit reports they sent because they were generated by our computers. I have also filed a complaint with the XXXX regarding these shady montage practices by TIAA Bank. I made the following phone calls to XXXX Bank : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 * Description of calls attached.
12/05/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	VA 22192	Web
In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.
07/16/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NC 27705	Web
TIAA Cref automatically deposits an annuity payment in my bank on the XXXX of every month. In mid XX/XX/XXXX2020, I changed banks and confirmed on the website and by phone that the new bank was correctly identified. I was assured by phone that the change would take place on XX/XX/XXXX and there would be no problem. On XX/XX/XXXX the deposit never arrived in the new bank. I found that their website had reverted to the old bank and sent the deposit to them ( where I no longer was a customer ). I have tried on multiple occasions to update the bank information. Each time the new bank is accepted and I'm issued a dated/time stamped receipt for the change in information. And each time it reverts back to the old bank. I eventually was able on XX/XX/XXXX to reach a supervisor at TIAA Cref who took my information by phone and stayed on the line while they confirmed that the system took the update. She said she could NOT send my money to me any earlier than 7-10 days by printed check mailed to my home. I did receive the XXXX check on XX/XX/XXXX. Today ( XX/XX/XXXX20 ) I checked the website again to assure myself that the new bank would be used for the XXXX deposit as promised by the supervisor during our phone call. The website still reverts back to the old bank. While I have a verbal assurance that my check will be properly deposited next month, that seems pretty weak. I believe they are " working the float '' to their advantage and not in keeping with their agreement to me to have the funds available on the XXXX of every month.
11/04/2016	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 34109	Web
Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.
01/08/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NJ 08088	Web
By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.
07/30/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 770XX	Web
.Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.
07/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 078XX	Web	Servicemember
My monthly mortgage agreement was with XXXX XXXX XXXX who switched to Ever Bank. In XX/XX/XXXX I payed my mortgage early which was actually due XX/XX/XXXX. It was inadvertently lost in the mail. A company named XXXX XXXX sent me several default notices received : 2 notices on XX/XX/XXXX again XX/XX/XXXX and again XX/XX/XXXX with Pre foreclosure instructions and forms included. There was no disclosure on the paperwork that they were acting on behalf of Ever Bank. This was so upsetting as I have never missed a payment. I called my checking account bank and they confirmed my payment was not cashed. I then called the phone number on the first notice which was on pink paper. Within a week I was bombarded with 4 XXXX letters in addition to multiple phone calls. Not one message on my cell made reference to the fact that they were associated with Ever Bank! It appeared to be a phishing scheme by not identifying themselves properly. This approach is so heavy handed that I decided to help others who may be subjected to this treatment. I realized what happened and paid one month over the phone giving them my personal checking AC info, my cell number, email and other personal info. I still am not convinced they are not phishing. It was so unprofessional. There was no earnest help to problem solve the missing payment. Now I'm left wondering how a business practice like this is affecting others. I had to XXXX your complaint page as I have never had to resort to this. Sincerely, XXXX XXXX
04/17/2019	No	Checking or savings account Checking account	Closing an account Funds not received from closed account	NY 11566	Web
Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.
06/22/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 949XX	Web	Older American
I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX
12/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77385	Web
{$220.00} has being stolen from my mortgage payment twice by TIAA. During XX/XX/XXXX there was a hurricane in Texas. My home didnt experience any flooding, however, my homeowners insurance premium doubled. It took me several months to find new, reasonably priced, insurance. During this time, I had a lapse in home insurance of one month. My mortgage company at the time, XXXX, purchased insurance on my behalf and charged me {$220.00}. I didnt have an escrow account associated with my mortgage at the time. The {$220.00} insurance payment appeared on my XXXX statement as a - {$220.00} escrow balance. The loan was purchased by TIAA in XX/XX/XXXX. TIAA applied {$220.00} of my principle payment toward the - {$220.00} in XX/XX/XXXX. I provided documentation that I didnt owe {$220.00} for escrow and TIAA reapplied the {$220.00} back toward the principle and the - {$220.00} escrow amount appeared again on the mortgage statement. In XX/XX/XXXX they took {$220.00} from my principle payment again. This time they are refusing to replace the misappropriated payment toward the principle essentially stealing {$220.00} from my mortgage payment. I have requested corrective action several times to no avail. This may not seem to be allot of money, but my husband and I work very hard to pay our mortgage on time and it is unacceptable for any portion of our payments to be stolen from it. Please help us resolve this issue once and for all.
04/17/2017	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PA 19403	Web
I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a " Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name. XXXX and XXXX in Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter, the Quit Claim deed, my Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.
10/21/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web	Servicemember
I made a money transfer with XXXX, the money to be taken out of my TIAA checking account. I made a mistake and the order went through 2 time instead of one. There was only enough money in the account to cover one transaction so they locked the account. I then transferred money from another account to cover the debit in the first account. However, TIAA never unlocked the first account which was the one I have set up for transfers. I am doing XXXX XXXX in XXXX in an area with no international phone connections. So I have to use emails. TIAA has a place on their site to : Email Us. I clicked on that and sent my email explaining the problem and that I had transferred money into the account to bring this up to date, and asked them to liberate the account so I could use it again. I received a machine answer which was incredible. It said they didn't accept emails that were not secure. Imagine that! The email was sent using their own system! I sent them another email asking them to liberate my account via XXXX email with is a secure. I got the same response from TIAA saying they did not receive emails that are not secure. Can you see the disorganization here and total disregard for the consumers situation? Since then I have sent 5 or 6 emails to different people at TIAA with absolutely no answers. This is a simple problem to fix : simply liberate my closed account.
03/05/2021	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	TN 37221	Web
TIAA negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. TIAA has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH TIAA REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY. TIAA may have acted alone or in concert with MyLoanCare, the new servicer. TIAA 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of TIAA and XXXX. 2 ) My homeowner 's insurance rates are about to renew, and are based on my credit score. TIAA 's actions will materially and negatively affect my rates, costing me up to thousands of dollars. 3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. TIAA and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS. 3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. TIAA 's ( and XXXX 's ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.
01/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 331XX	Web
Hello. I purchased my home about 2 and a half years ago and financed it with XXXX XXXX XXXX ( XXXX ). Recently I received a letter telling me the loan was sold to TIAA bank. TIAA Bank recently sent me a letter telling me my monthly payment is about to go up over {$150.00} a month. It has very little to do with increase in insurance and taxes premium, but it has to do mostly with a policy the have which apparently requires an additional 2 months cushion of the mortgage payment. I have discussed this with them several times and I just keep getting a " that's our policy '' from them. However I have expressed to them several times that I understand TIAA bank purchased the loan since I know this happens in the mortgage world, however they need to honor the terms and conditions of the original loan and those terms and conditions were not there. I did not sign the agreement with TIAA bank, but with XXXX. I don't think they can legally add additional terms and conditions to an existing loan. If they purchased the loan, they should have purchased the loan as it was. I have also requested a deep escrow analysis since there seems to be funds missing from the escrow account. Please help me resolve this issue. I'm a government employee currently in furlough and this affects me now even more. Thank you for your time. Regards, XXXX XXXX
11/14/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94025	Web
My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.
09/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO XXXXX	Web
1 ). TIAA used incorrect figures to determine my escrow. Additionally, they claim they paid {$200.00} more than the county shows they paid. they did for both XX/XX/XXXX and XX/XX/XXXX tax payments. XXXX County shows tax payments recvd of {$4400.00} each year for XX/XX/XXXX and XX/XX/XXXX. However, TIAA has escrowed and charged me {$4600.00} for XX/XX/XXXX & XX/XX/XXXX. Where's my {$400.00}? I have repeatedly asked them to re-do my escrow and they respond by telling me their numbers are correct. However, they aren't correct. The payments being received by my county are clearly listed on the XXXX county property tax website. How do I get them to stop overcharging me and refund my money? 2 ). There is no way to contact this company. They are supposed to be available until XXXX at night to take mortgage support questions, however, whenever I call after XXXX there is no one available to take my phone calls. They say they will call me back after XXXX the next day, but that hasn't happened once. They only attempt to return my phone call early in the morning when I am at work and can't take the call. I need an e-mail address or an after hour phone number to call where someone can actually answer my call and resolve the issue. Their support hours are clearly indicated on their website, however, they don't honor them.
11/06/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 75010	Web
I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.
05/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32080	Web
We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???
04/11/2020	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CA 94025	Web
In the XXXX, my employer opened a retirement account for me at TIAA ( https : //www.tiaa.org/public/index.html ) -- I was in my XXXX, left that employer after three years, and mostly forgot about the account. A few weeks ago I decided to look into it and learned that I could have started withdrawing funds seven years ago. The total had grown substantially, and I started sending TIAA emails and making phone calls, having read online that the organization can be a challenge to deal with. TIAA representatives told me that I could only withdraw a portion of the funds now, with the remainder paid out as an annuity over the next decade. I agreed to that, and gave them my bank account info so that they could do a direct deposit. And then, an insurmountable obstacle : they need my husband to sign a notarized waiver agreeing to the deposit. I explained that we were under a Shelter in Place order, that our bank account is in both names, and that California is a community property state. To no avail. I was told I had 30 days to get my husband 's statement notarized. Obviously, that is not going to happen within their timeframe. I understand their reluctance to give me my money, but it is hugely frustrating to be in this situation with no recourse. I value any guidance you can give me.
05/02/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08043	Web	Older American
In XX/XX/XXXX, my wife and I purchased this property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was purchased by EverBank a short time later. In XX/XX/XXXX, I contacted EverBank to inform them that I was seeking to give the property to the bank in a " deed in lieu '' process ( my loan was current at this time ). The Bank assigned XXXX XXXX to handle my request. I sent all the documentation requested. On XX/XX/XXXX XXXX notified me that my application was complete. On XX/XX/XXXX, I received an " Initial Eligibility Letter '' from EverBank/XXXX. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three " judgments ''. These " judgments '' are not mine ; and I have purchased and sold over thirty properties without these " judgments '' being an issue. On XX/XX/XXXX, I received another letter from EverBank stating that my application was complete. On XX/XX/XXXX, I was notified by ( new acquirer ) TIAA Bank, that again these " judgments '' are an issue. On XX/XX/XXXX, I received a Demand letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( law firm ) notifying me of the {$98000.00} balance and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX. and he promised that he would clear up the matter.
11/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30281	Web	Older American, Servicemember
We purchased our home insurance from XXXX XXXX. but no matter how many policies we forwarded them and other proofs that we gave Tiaa, they would not drop their escrow ins. However, Tiaa did drop the escrow ins. after the complaint was made through Consumer Finance Protection Bureau. Thank you CFPB. Now Tiaa ( XXXX ) will not accept our mortgage payments saying through a lettter stating that we are in default and we own payments for XXXX, XXXX, XXXX XXXX and XXXX of this year. Our mortgage pmt.is XXXX. The two paymts. for XXXX and XXXX shoew {$580.00} - we do not know where this amount originated. XXXX said we are in default for these payments and a corporate advance balance ( interest ) of XXXX. The total default is {$4.00}, XXXX and is due! XX/XX/XXXX. These payments are recorded as received by XXXX but they will not accept them. We called XXXX and the agent said that he found an error that XXXX had made as they applied our XXXX XXXX payment to the escrow ins. We asked him to correct the error and he said that they could not as this occurred over six months ago and the error will not be corrected. We asked, then how can we resolve the issue and continue to pay our mortgage. There was no answer. This is the way TiaaXXXX is going to take our home- by legalized theft
11/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08879	Web
On XX/XX/2011, I used XXXX XXXX bill pay to make a mortgage payment. The amount should have been {$1500.00}, but instead {$7500.00} was debited from my account. Over the last 9 days over half a dozen calls have been placed between the mortgage company, my bank, and me. Each phone call, the story changed as to the information needed. First it was a printout showing the money had ben debited and that the debit had posted. The it was a statement was needed. That can't be provided because the statement period hasn't ended yet. Next they demanded the running balance on my checking account. This was allegedly to show that we hadn't gone to XXXX asking for a refund as well. This was unnecessary, as a XXXX rep on a 3 way call had already verified that with bill pay, that was impossible. Then the next rep wanted a copy of the check, which only exists on their end. XXXX pays electronically, and their bank creates a check from that. They refuse to verify that on their end. Finally, on XX/XX/XXXX, the mortgage company said they will not refund the money. This is with them and XXXX verifying the amount, and that it was debited and posted to my account. Each rep we spoke to had a different set of rules and there has been no standard in requirements to correct the overpayment.
07/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 295XX	Web	Older American
Original closing figures differ from our final closing figures and TIAA Bank could not or would not explain why. The bank delayed giving us our final figures until one day before our closing. They also gave us an appraisal that was {$3000.00} less than what we paid for our home and we had to come up with {$3000.00} more for our closing. Poor business practice. We contacted the bank XX/XX/2019 to request our one time FREE float down from on our XX/XX/2019 interest rate lock in. From XX/XX/XXXX - XXXX, 2019 the bank senior mortgage loan officer could not or would not explain why we lost lenders credit. Original lenders credit was {$4800.00} our final lenders credit was {$3400.00}. We lost {$1300.00} with no explanation except I do not want to bore you with the details but you are getting a great interest rate. Our original lock in was 4.75 % and was reduced to 4.25 % WHICH was suppose to be our one time FREE float down. So how did we lose lenders credit? The only thing we can believe is that we were made to pay for our one time FREE float down since we got no other explanation. We had no time to go to another lender. Contractual we had to close on XX/XX/2019 or stand to loose our home to the builder. Unfair business practices to say the least.
02/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 787XX	Web	Older American
We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.
05/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80013	Web
I received an email on XXXX from TIAA saying that my mortgage was not yet paid. I did not have time to deal with it since I was dealing with a death in the family. But on XX/XX/11, I got online to check if payment was made. I make my payments using Epay through my bank, XXXX XXXX XXXX. We were able to confirm that the payment was received and reconciled on XXXX at XXXX. I will attach the receipt. When I go online to check my account, it continues to show that I owe my mortgage for XX/XX/XXXX. When I call, they give me automated voice message that says my balance is XXXX so which is it? I have tried to contact them using this number - XXXX but there is no option to hold for a rep ; it just takes you to an option to get a 1098 statement. And if you try and press 0 or # or * ( options that usually take you to a rep ), the system hangs up on you. This is TIAA Bank and they have always had horrible customer service but now, you can not even get through. How can a large bank get away with treating their clients like this? I am a consumer trying to make sure my payments are made timely and they cant even provide a good phone number to make that happen. These guys just need to be sued and shut down ; they are the worst. This is frustrating!
02/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 032XX	Web	Servicemember
TIAA Bank in XXXX Florida has both of my home mortgages and I am in the process of selling 1 home. We close on the home in 8 days. I was never notified that TIAA Bank sold my mortgage to XXXX XXXX XXXX in XXXX XXXX, VA. I needed to obtain a payoff statement and make sure the last payment via direct deposit was received so we have accurate payoff amounts at closing. I was informed that TIAA bank at that time of my call was in the process of selling my loan and that I would have a new loan number with XXXX XXXX XXXX. I was unable to access my accounts through TIAA Bank as they said XXXX XXXX was now managing it, then I called XXXX XXXX XXXX and they told me that they we are in a " black out '' period and they have no information on my Loan that I should wait and see next week. Next week we are closing. I have escrow payments and history of payments that I can not access at either banks. This is not a seamless transition and I have no way of getting my loan, payment, insurance, property tax information and have no where to get this information. This is causing great stress and concern of where my money is and who is monitoring this and how can I get access to my loan information before we close in a matter of days. XXXX XXXX XXXX is no help
01/04/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 125XX	Web
My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.
04/23/2021	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	AZ 85750	Web
IRA Requested transfer rollover From TIAA to XXXX. Advised of CD Maturity XX/XX/2021 Process initiated XXXX, XXXX. Within 10 day grace period. Tranfer forms by USPS, FAX and XXXX XXXX. I am dealing with XXXX initially spoke with multiple Client specialist with little information. 15 plus calls to TIAA. Average call duration 45 mins. Multiple holds for greater than 15 mins. Others at TIAA ; XXXX XXXX, XXXX XXXX and XXXX XXXX. -No holding money market or cash account available at TIAA for mature CD for IRA 's according to Client specialist by phone. -TIAA Rolled over my IRA into an extended 42 month CD against my wishes. -Initial email from TIAA requesting XXXX signature not received. My requested copy of email sent on XX/XX/2021. This delayed processing. -Inconsistent information. Always " no penalty if transfer/rollover process began within 10 after IRA/CD maturity. -Now penalties imposed going back pre-renewal of Bank imposed CD renewal. I should not have penalty fees after interest earned was credited to the Original EverBank 42 Month Bump Rate CD. I did not want the New TIAA bank to extend the CD another 42 months. They forced the renewal due to the lack af a cash/money-market account for IRA/CD 's at maturity.
01/13/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 32780	Web
Someone made a fake check ( not even my checks or check number ) for almost XXXX and the bank cashed their check taking the money out of my account. The person that made the fake check didn't even sign my name to the check, but someone not even listed as an account holder. The bank after I notified them said that I needed to submit an notarized account of what happened and they would return the money they LET because of their incompetency steal from my account that same day. I sent them said form notarized and they received it as they emailed me back stating so. I also talked to the fraud department XXXX times and was assured that the money would be in my account. It has been since last week and is still not in my account. When I call and leave messages as I was instructed to do by the fraud dept. for help, no one answers or calls me back. I want my money back as it is CLEAR that someone from their bank stole this money from me using my information. There is no way anyone outside the bank would know that they could cash that large of a check against my account! Also the bank cashed the check and didn't even look at who signed it on the face and that it wasn't even an account holders name! Nor was it my checks!!!
12/17/2017	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	GA 30082	Web
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.
06/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75214	Web	Older American
1. The complaint is that after damage to our home from a hail storm in XXXX on XX/XX/XXXX Farmers Insurance ( FI ) did not cover replacement for our roof, our mid-modern home had a tar and gravel roof-after 2 years we sued FI, while claim money had gone to our bank at the time EverBank which is now XXXXIAA. Years later after settling with FI a portion of our money had gone to TIAA bank. Then due to our roofer suing us ( breach of contract ), the held money had still remained in escrow with TIAA and we still did not have a new roof. This money was held in two amounts before our roof replacement ( {$60000.00} ) and after ( {$37000.00} ) which is subject according to the Texas Insurance Code Chapter 557 to 10 % interest per year held. I sent several letters to TIAA but they had responded on May 31, 2019, demanding more home inspections for another claim from a flood incident from XXXX. We feel the money is still owed and wrote a letter to TIAA demanding payment of the interest on the funds held over a 44 month period and amounts to ( {$17000.00} ), to be verified by TIAA. We also agreed in the letter to have the floor work done to our home and comply fully to having the house inspected for the flood damage in XXXX.
04/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07424	Web
On XX/XX/XXXX we mailed a forbearance extension request for our CARES act Fannie Mae mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. We called to follow up with XXXX XXXX on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. We are currently in an active CARES Act mortgage forbearance plan with XXXX/TIAA BANK and are requesting an extension to that forbearance. Our hardship has not been resolved. We have not received any communication regarding our multiple requests for extension. We would like to receive written notice of our mortgage forbearance extension under the CARES act.
10/05/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MD 20814	Web
This is in regard to a rollover request I initiated with TIAA Cref to my XXXX XXXX retirement account. I hold a total of four accounts with my former employer ( XXXX XXXX XXXX XXXX ) that is administered with TIAA. I initiated a rollover online with TIAA back in early XXXX. After waiting two weeks with no signs of account transfer or notification from the TIAA, I called and was informed that XXXX requires additional forms that needed to filled out, notarized by my spouse and sent to them. This was the first time of their lapse in communication. After having my husband notarize the apprpriate forms, I scanned and uploaded the documents to their online portal. The forms were exceedingly redundant and basically the same information filled out four times in total. To my disbelief and annoyance, only two of my accounts were transferred in early XXXX. Again no TIAA represntative reached out to me and I was only made aware when I called again that one checkbox on one of the duplicate forms was not filled out causing two of my accounts to not been rolled over. I again scanned the appropriate forms and uploaded them to their portal but again only 1 out of the 2 accounts still has been transferred as of XXXX.
09/06/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92154	Web
In XXXX on my closing statement I was charged 1.75 % = {$7800.00} for UFMIP. I refinanced this year and closed XX/XX/XXXX and the new cost of UFMIP was 1.75 % = {$7700.00} On my closing statement I DID NOT RECEIVE a UFMIP refund credit. In order for me to close the loan they stated I needed {$4100.00} cash to close. Since I did not have the cash I asked is there any LENDER credits they can provide to help offset the cost. TIAA said that they could change my rate from 3.5 % to 3.75 % so that I could get a LENDER CREDIT ( separate from a UFMIP refund credit ) to help with closing costs, since I could not roll the fees into the loan. When I asked the loan originator about the HUD refund for MIP, since I refinanced FHA to FHA, they stated that refunds are done after the fact and that no REFUND credit will show on my closing statement, and that the HUD will refund me my credit. I called HUD and they stated that I have an overage and that a credit will be applied to the lender. The lender maliciously did not apply the UFMIP credit so that I would have to increase my rate from 3.5 % to 3.75 %. Had they applied the credit, I would have not needed to come up with funds or increase my interest rate.
01/12/2019	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	FL 32256	Web
I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.
01/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 217XX	Web	Older American
XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.
09/27/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30281	Web	Older American, Servicemember
Since our initial complaint # XXXX has not been resolved by Tiaa, we are making a second complaint. Tiaa will not remove their forced insurance and saying that we are seven months in delinguency. Our insurance, XXXX and we have sent Tiaa our policy and renewal several times and at Tiaa 's request XXXX and we have sent the complete payment schedule to Tiaa. With no response, we called after a week and they said they were working on it. Since, XXXX of this yea, r this has always been their response and this working on it, is their code word- we have trashed it. At Tiaa 's request the U.S. District Judge of the XXXX District of Georgia 's bankruptcy court ordered us to make a monthly payment to Tiaa. In XXXX, XXXX and XXXX of this year, Tiaa ordered us not to make this payment along with our morrgage payment - going against the U.S. Judge 's order. Around XXXX XX/XX/15 we received a statement from Tiaa stating that we were delinquent and behind 7 months and that our next payment has to include an insurance mayment. Tiaa will probably block our XXXX payment. We ask that Tiaa remove this illegal, illicity forced insurance, not in a month, or several month, but at once!
02/11/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 816XX	Web
After paying TIAA {$300.00} for an appraisal on my home in XX/XX/XXXX I called and asked to have an electronic copy emailed to me. They confirmed my email address and told me I would received the document within the hour. It never came. I scanned the hard copy myself and moved on. On XX/XX/XXXX I called to ask for a copy of my most recent statement as I was unable to access it through their online banking system and they have never sent them to me via mail. I was told the statement would be emailed within 30-60 minutes and it never came. I was also told my online banking would be corrected to allow me to access my statements online. That never happened either. On XX/XX/XXXX I called back to request a copy of my statement. I again verified my email and was again told it would come to me within 30-60 minutes and it never came. I am still unable to access my statements online or via email. I need these statements to prove eligibility for sliding scale healthcare and a home refinance. I am not receiving them via the USPS, email, or online access. After 3+ hours spent on the phone with TIAA I still do not have a copy of my mortgage statement.
02/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 539XX	Web
the loan started off with XXXX. XXXX told me I could save XXXX $ a month from my {$1900.00}. so my payment would have been {$1300.00}. Thats what XXXX told me my payment would be if I refinanced. Then they fired him and they handed over my account to an associate named XXXX. I told this new associate I did not want an escrow account. She told me I would get {$3500.00} dollars back when closed on this deal., And I found a paper stateing the payments to be {$1900.00} and I told them the escrow wasnt supposed to be included, and they made the payment out to be wrong. So I told them escrow was n't supposed to be included and they knew the payment supposed to be the {$1300.00}, so I made XXXX payments this amount and then they said they would n't accept it unless I paid {$1900.00}. I would have never went for the loan unless the payment was going to be lower. I tried to contact the loan company to tell them the deal was off because the loan now was going to be more expensive then it ever was going to be. I never signed escrow account to be in effect and they said they were n't going to accept {$1300.00}. I feel I was scammed into this loan.
11/29/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	PA 18951	Web
Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL XXXXX	Web
EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.
11/29/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL XXXXX	Web	Older American, Servicemember
TIAA Bank, who's payment address is XXXX XXXX XXXX, XXXX, PA XXXX, took over the servicing of my 2nd mortgage on my home in Florida a few years ago. Every month I send them my on time payment at the beginning of the month, from Florida, in an amount more than the minimum due. The payment should reach XXXX in no more than 4 days. But every month TIAA does not credit my payment for 3 weeks. I send my primary mortgage payment to from Florida to California and my account is always credited in about 4 days. I telephoned TIAA bank on 3 occasions but received no satisfaction on the matter and they continue holding off on crediting my payment in a timely manner. The last time I called I asked to speak to a supervisor. When I explained the situation she responded in a sassy manner by asking if I wanted her to give me their California payment center to send my payment and offered no real resolution to the problem. Again, this month, I sent my payment before the due date and as of now the payment is still not credited to my account. I believe TIAA is holding off on crediting my payment in order to drive up the interest I pay on the loan.
08/12/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33147	Web
On XX/XX/XXXX I was told by a XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX that the appraisal for my cash out refinance would be {$520.00} to be paid only by credit card before beginning the process. The next day I received an email stating the appraisal fee would be a {$600.00} dollar charge to me. So I had to make the payment before the processed moved forward, some other companies don't even do this, they allow the payment to be made later or deducted with the closing costs. On XX/XX/XXXX my XXXX card was charged {$600.00} by TIAA BANK XXXX FL. In the end I received a letter from another company with my credit information stating the home wouldn't receive the refinance however that I would. They never moved forward with the process and I never even so much as received an email from XXXX regarding my status or anything. He assisted me until it was not convenient for him any longer. I would like the appraisal fee to be returned to me as it was a lot higher than most lenders out there, also it's sad to say that TIAA is my montage lender. In the end this is how they treat their clients, one who has a very good standing account.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33428	Web
Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.
09/13/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32244	Web
My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.
03/15/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 32225	Web
My compaint is not about the mortgage, it is to report a scam. Someone named XXXX XXXX, with an XXXX accent, contacted me and identified himself as a TIAA loan officer. He knew, or guessed, that i was behind on my mortgage and threatened foreclosure unless I made a payment. He said that I qualified for a " HAMS '' program which would lower my monthly payment and interest rate but in order to begin the process, i had to pay {$1100.00} up front, which he said was my negative escrow balance. My wife and I decided that it would be best for us to have lower payment so we decided to go ahead and proceed with the payment. After paying the balance in full, using XXXX XXXX gift cards, they said we would receive new loan documents in the mail. It wasn't until a few days before our first scheduled " mortgage '' payment that we became suspicious and " googled '' their contact number, XXXX, and found that other people had been scammed or almost scammed by the same XXXX XXXX and his " supervisor '', XXXX XXXX. So now I've thrown away {$1100.00} and I'm three months behind on my mortgage and it will be a struggle to catch up.
10/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MT 59901	Web
I am having an issue with my Mortgage with Everbank. The Servicing is now with XXXX. It has also been with XXXX. The original mortgage was completed on XXXX XXXX, XXXX. I got behind in payments in late XXXX. In XXXX XXXX, I sent a payment of {$3600.00} in the form of a XXXX XXXX wire. Approximately 2 weeks later, the money was sent back to me along with a letter stating we could no longer accept payments to this account. I 'm not sure why. I was willing to make payments, but was told by EverBank to stop making them. I have been working with EverBank, XXXX, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XXXX XXXX, XXXX. The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me.
07/01/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	RI 02908	Web
Opened TIAA checking in mid 2021. Made opening deposit on XX/XX/2021. Resolved an error in the application and corrected Social Security Number. Account was approved. Set up online access. Several days later, TIAA blocked online access. An email was received XX/XX/2021, from XXXX XXXX, " Senior Fraud Analyst, '' who asked me to call. I called and spoke to a different fraud analyst. He stated he could not see the problem and that XXXX would call me back. I never received a call from TIAA clarifying any problem. Rather, it simply blocked my account. 1. I can not access my transactions and statements in violation of the Truth in Savings Act that requires periodic statements for bank accounts. 2. TIAA obviously accessed databases in their decision to take an adverse action against me, violating the Fair Credit Reporting Act as they neither notified me of the adverse actions, reasons the actions were taken, or the identity of the consumer reports they obtained and how it is possible for me to obtain a report. 3. TIAA improperly will not allow me to access my account or the funds I deposited.
05/27/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA 31324	Web	Servicemember
This is additional information supporting complaint XXXX. XXXX claimed last week that my account had been rectified, but the numbers are not adding up. Since XXXX assumed my account for servicing on XXXX XXXX, the following big picture transactions have occurred : - Payments = {$43000.00} - Draws = {$23000.00} - Interest = {$5000.00} ( XXXX & XXXX only, I paid XXXX prior to transfer ) - The balance that was transferred to XXXX was {>= $1,000,000} - My current balance as of XXXX XXXX should be {>= $1,000,000} - TIAAXXXX shows my current balance as {>= $1,000,000} - There is {$4100.00} missing from my account, which coincidentally is the same amount as my XXXX statement payment amount due for XXXX XXXX. I still do not have an XXXX or XXXX statement from XXXX. I have provided a complete transaction history from today, as well as my XXXX statement showing the payment amount for XXXX XXXX. The transaction history is difficult to decipher, but I believe I Identified the errors, and highlighted them in red. I provided this information to XXXX last week, and have heard only silence in response.
06/23/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 125XX	Web
I 've been trying to have Everbank remove PMI from my mortgage. Below is the summary I sent to Everbank outlining my issues. This letter was originally faxed on XX/XX/XXXX to XXXX. Per my follow up call on XX/XX/XXXX, the representative confirmed that the fax was received on XX/XX/XXXX and that it had only been 25 days and the process takes 30, and instructed me that I should wait and I would receive a letter after the 30 day period. I did not receive a letter, so I called back on XX/XX/XXXX and the representative XXXX stated that he saw in the notes on XX/XX/XXXX stating that the letter was received, but he could not find it in the system. He had no explanation, after checking for an extended period, what happened to the letter. Speaking w/ his supervisor XXXX , she instructed me to fax in another copy to the priority number and said that she would monitor and make sure it was processed this time. I called back on XX/XX/XXXX to check a second time and the representative said she again could not find the XX/XX/XXXX letter. She instructed me to send to the priority fax number XXXX.
05/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OK 74011	Web
Our home mortgage loan was transferred from XXXX XXXX XXXX , XXXX to TIAA BANK, effective XX/XX/19. I set up a user name and password to access my account and was successful in doing so. I visited my account several times after the initial establishment of online access, but one day I could no longer log in to my account. I contacted customer service and I was told the reason for this problem : TIAA BANK can only be accessed with XXXX XXXX and my XXXX XXXX browser was incompatible, but their I.T. Dept. was " working on it ''. I was told if I wanted to gain access to my account, I should download XXXX XXXX. What gives?? I've NEVER heard of this from any company I do business with. It appears that TIAA is trying to steer me to use XXXX XXXX This sounds ludicrous, dishonest and possibly illegal. I don't want to download XXXX XXXX or anything else. I contacted TIAA through social media today again, after I tried to login to my account with no success. A CSR contacted me after a few hours, only to apologize for the situation and that their I.T. Dept. was still working on this problem.
08/31/2015	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 913XX	Web
I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.
07/18/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30350	Web
During XX/XX/XXXX, I applied for a mortgage with TIAA Bank. My home was under construction and was expected to close in XXXX. I paid for a 6 month lock {$3300.00} with the promise it would be refunded at closing and also applied under the REST program at TIAA. XX/XX/XXXX, I received notification that my loan was now under a new loan officer. Loan officer XXXX XXXX, was unable to provide information on the existing REST program as well as financial information regarding loan. Closing was set for XX/XX/XXXX, repeated calls and emails to XXXX went unanswered regarding status of loan approval. Up until XX/XX/XXXX, ten days before closing, I had no closing information or approval or any sense of the status of the loan. I believe TIAA had no intention of closing the loan and now is refusing to refund the {$3300.00} that I paid in good faith. The main call line leaves message for XXXX and his manager but no information is forthcoming regarding the status of my request. I believe the retail mortgage spin off was a fraud and there was never any intention of closing my loan.
01/03/2017	No	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	FL 329XX	Web	Older American
My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.
12/13/2017	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	MA 010XX	Web
I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. I could not find this penalty in their Web advertising which I will be attaching. I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.
03/31/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	OH 43220	Web	Older American
Please find attached an automatic renewal completed against my instructions by XXXX XXXX. I had opened a 1 year cd with specific instructions to not renew upon maturity. I had also asked for notice when the cd was due to mature. In fact, I received no notice and the company actually renewed the cd and then sent me a confirmation 2 weeks after the fact. When I called to complain they said they had mailed, not emailed, but mailed a USPS notice and blamed the post office for lack of receipt. I asked under the COVID situation if they could make an exception and was refused. I asked for a no interest redemption and was advised I would be penalized with 6 months interest subtraction for my two weeks before they sent the confirmation. I demanded to speak with a manager or more senior supervisor and was told I would be called back. I provide both my cell phone and email address and have not been contacted. I find this company to be indifferent to proper business practices and no interest in solving issues with consumers. Your assistance is appreciated
08/15/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.
03/30/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	FL XXXXX	Web
I opened a checking account with TIAA Bank on XX/XX/18 with promotion that stated : " {$150.00} bonus : Offer details Open and fund your first Yield Pledge Checking account with the required minimum opening deposit by XX/XX/2018 Then make direct deposits totaling at least {$1000.00} within 90 days after account opening Mention offer code XXXX when opening the account Your cash bonus will be deposited into your account within 120 days of account opening, as long as your account has remained open and in good standing ''. I completed direct deposits, but never received the bonus. Now the bank is saying that {$5000.00} opening deposit was required to get the bonus, although it was never mentioned in the offer details. They say that " required minimum opening deposit '' actually meant {$5000.00}, however it's not clear how I was supposed to know that. When I opened it online it was also never mentioned about {$5000.00} requirement during the opening process. I believe this is a scam that bank used to attract customers and to avoid paying bonuses.
06/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07002	Web
Yesterday XX/XX/21 stating that our Escrow account was deficient in the amount of {$3200.00}. No one seems to be able to explain this shortfall to us. I have confirmed that our property taxes have not increased by more than {$350.00} dollars annually and our homeowners insurance has also not increased. When I spoke with the company " XXXX '' who services our loan from TIAA Bank, they stated that our property tax appears to have increased by about {$32.00} per month. I tried today to call TIAA bank as XXXX stated that they simply service our loan and these types of issues would need to be clarified by the bank. TIAA bank had answered my call and then placed me on hold for 2 hours 48 minutes before my call was disconnected. We have never missed a payment, they have never been a day late. We have auto payment setup to withdraw the funds on the 1st business day of the month. I need someone from TIAA bank to explain what happened and why this money is owed before we pay it. It just does not seem right that we can not get a satisfactory explanation.
01/01/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	SC 290XX	Web	Older American
Tina Bank Loan # XXXX To Whom It May Concern, Im writing on behalf of my mom. My mom is a XXXX year old woman who has lived in her home 29 years or more. She and my dad, XXXX XXXX purchased this home in XXXX for {$87000.00}. The address of the home is : XXXX XXXX XXXX, XXXX, SC XXXX. On XX/XX/XXXX, I called TIAA to inquire as to the balance owed. I was told by XXXX, the house was refinanced in XXXX with an amount of {$60000.00} still owed. I remember a refinancing to get a lower interest rate but no equity was dispensed. And if my mom received money for upgrades to the house, please give check # and the amount of check issued in XXXX, XXXX. She had nothing on file. The bank of record at that time wars Everhome Mortgage. So with a 30 year mortgage and no equity withdrawn, the house should be paid for. With her still owing {$60000.00} that means only a $ XXXX went toward the principal. I need some assistance. Ive been added to her account, so there is no privacy laws at risk. I can be reached at XXXX or XXXX. Thanking you in advance, XXXX XXXX
12/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95062	Web
Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. We need to have the negative reporting reversed. Do we need a lawyer? We can not afford one! We need help.
02/06/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 94070	Web
My CD matured on XX/XX/XXXX. I was told to fill out and send a Personal CD maturity form indicating what I wanted done with the funds. I sent out the form via XXXX XXXX Ground, which they received XX/XX/XXXX. On XX/XX/XXXX, I called inquiring about my check and was told it takes 2 business days to process. On XX/XX/XXXX, I called again asking where my check was and was told whoever was supposed to process it failed to do so. The rep apologized and said the check would be sent out XXXX XXXX Overnight Delivery and that I should receive the check no later than XX/XX/XXXX. I called again on XX/XX/XXXX, after not receiving the check and was told that it was going to be sent out that day, but that I wouldn't receive it until XX/XX/XXXX. TIAA acted very unprofessional and misrepresented themselves by assuring me that I was going to receive my funds in a timely manner after the CD matured. This should have never happened. I have never experienced this before with any bank or credit union. They were totally negligent on their part.
12/13/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	NY 105XX	Web
I opened a floating rate CD with TIAA bank. It was a 36 month CD maturing on XX/XX/XXXX. Floating rate was supposed to move with the XXXX index. No interest has been credited to the account since XX/XX/XXXX. I called TIAA bank and they told me these accounts were closed by the bank in XXXX and as a result would not receive any interest. I was never contacted ( can not find any record of the communication on the TIAA web portal after logging on and searching ). Had I learned this I surely would have asked for them to send me my money so I could deposit it elsewhere and earn interests. Despite their decision to terminate the account sometime in XXXX they continued to pay me interest in XXXX ( IRS XXXX showing this available ) and up until XX/XX/XXXX. As interest rates have risen and this was to be a floating rate CD using the XXXX index I think much money is owed me. The bank had use of my money and must have earned a return using it. I am hopeful I can just get the agreed upon rate to be in effect from when I opened the account
09/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 978XX	Web
In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.
03/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44236	Web
I have a loan that TIAAXXXX XXXX was servicing and was sold to XXXX. Loan # XXXX I made payments to TIAA for XXXX, XXXX and XXXX of {$780.00} for which they did not forward all of them to XXXX. I have tried numerous times to resolve this with TIAA who says that they did not receive the payments and referred me to their " Payment Research '' department who has not been helpful and not provided me a direct dial number to resolve this situation, even after directly asking them. I have spoken with TIAA customer service about the issue and they have made notes on the account, but still no resolution. I have sent them documentation from my online bank portal and my bank has faxed them supporting documentation regarding my claim, but they will not provide me timely insight on the process or status updates. I am within 7 days of my grace period and this needs resolved ASAP. My bank has faxed other documentation directly to XXXX XXXX regarding this matter that I was not copied on so I am attaching the files that I have.
01/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63116	Web
My lender is TIAA Bank, the loan is serviced through something called XXXX. They are both utterly XXXX. On multiple occasions they have attempted to unilaterally change the terms of my loan without my consent. Among other things, they went out and purchased homeowners insurance at 4x the market rate and then attempted to pass that cost along to me ( I already had homeowners in place ). They mistakenly paid my real estate taxes even though it was not set up to be paid out of escrow, and then tried to use that fact to restructure my entire loan. And on and on and on .... I have attempted to contact them literally dozens of times to discuss and rectify this. Literally dozens of phone calls, emails and letters over more than a year. It is IMPOSSIBLE to get anyone on the phone. They purposely wall themselves off from borrowers to prevent anyone from engaging with them in a meaningful way. They are truly an ugly, XXXX, XXXX organization and I hope they will be held accountable for their unethical behavior.
10/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11743	Web	Older American
The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.
06/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA XXXXX	Web
In early 2014, XXXX XXXX XXXX sold my mortgage loan to Everhome Mortgage. I started calling Everhome in early XXXX and on a daily basis and could not get a response. Shortly after, I received a letter stating the foreclosure sale would be cancelled for XXXX. Then Everhome agreed to a modification trial payment plan. I started making my XXXX payment in XXXX 2014 and continued to do so. When my payment for XXXX was mailed in On XXXX XXXX, 2014 my check was returned and I received a notice stating unless I was in an prior arrangement they could not accept the payment. I was already on a trial plan. My home was foreclosed in XXXX. The balance of my home was {$52000.00} dollrs and they sold it for {$68000.00}. My property was illegally foreclosed. Everhome told me that they sent the documents to my home. The only address I ever received my was at my XXXX XXXX . They were aware that my home was rental property and they explanation for foreclosing was because they XXXX the documents to the house.
02/29/2016	Yes	Mortgage Other mortgage	Credit decision / Underwriting	GA 30161	Web
I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.
04/27/2023	Yes	Mortgage VA mortgage	Struggling to pay mortgage	FL 32221	Web	Servicemember
Called TIAAXXXX XXXX to make a payment to satisfy delinquency. The XXXX rep ( s ) informed me that I needed to speak with the attorney since my mortgage is now on foreclosure status. I was given the number XXXX, XXXX XXXX XXXX. was the attorney. I left numerous voicemails and not able to get a hold of anyone. I have been calling and leaving voicemails since XXXX this morning and have not heard back from anyone. Finally at around XXXX I am able to get a hold of someone by the name of XXXX XXXX . Instead of taking my payment for the settlement of {$7700.00} which is whats printed on my bank statement he informs me he has to reach out to the bank and it can take a week to get the settlement payment amount. I am ready to pay now and feel like this is a tactic to get more money out of me or to make it more difficult to get out of the situation I am Im. I have not been served a summons or any documentation from TIAA, XXXX, or XXXX and XXXX XXXX, in regards to the status of my mortgage.
05/09/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30904	Web	Older American
In XXXX XXXX XXXX I tried to refinance my home to get a lower interest rate. Every thing was approved until XXXX checked and saw that my home was not in my name. In XXXX I fell behind on my payments and had to take out a XXXX XXXX XXXX with XXXX Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of XXXX XXXX XXXX XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage. I also have the documents that were given to my attorney XXXX XXXX at XXXX XXXX XXXX . They have been trying to correct this problem since XXXX of XXXX with no results. I have the letter that XXXX XXXX sent out to all the mortgage companies that have held my Mortgage since XXXX I need help getting this matter settled. I can not refinance or sell this home if I had to.
11/12/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	DC 20002	Web
I bought a house and got Everbank to to service the loan. I was supposed receive a credit ( loan origination fee, etc., were supposed to be waived ) for choosing Everbank. This is shown on the original HUDXXXX that was sent to me by the Everbank loan officer two days prior to closing. When I reviewed the HUDXXXX at the actual closing, the numbers were different. They had taken all the credit OFF of the new HUDXXXX form. The loan officer, who was present at the settlement, called his bank, and they were supposed to refund the money ASAP. This was in presence of the loan officer, title attorney, seller, buyer ( myself ), and their agents. Is has almost been a month since this closing date and I have not received the check. I have had to call multiple customer service. They have been less than responsive and totally put it on ME to work to get this refund which was promised to me ( really ridiculous given that this check was supposed to be mailed out the day after closing ).
08/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 322XX	Web
I applied for the Florida Department of Economic Opportunity Homeowner Assistance Fund on XX/XX/XXXX and was finally approved XX/XX/XXXX. I am currently 4 months behind on my mortgage through TIAA/XXXX. I am XXXX with a child and have been going back and forth with SSA with reinstating my benefits since XX/XX/XXXX. I have been contacting XXXX regarding the HAF Program and inquiring about payment that was issued on my behalf from HAF on XX/XX/XXXX in the amount of {$1300.00} to cover my past due mortgage balance. Unfortunately, I have had no resolution in this matter and it seems like I am getting no answers and I been hung up on and being told to contact the third party HAF with any questions that I may have. I am trying to save my home so my child and I will not become homeless. We have the funding but XXXX is not trying to assist me with it and claim they are not aware of the programs funding. I am calling every other day and Im not getting anywhere with them.
03/25/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33511	Web	Older American
We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.
06/29/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 040XX	Web
Letters have been sent to EverBanks attorney 's XXXX XXXX XXXX of XXXX XXXX, Maine. First letter was mailed onXX/XX/XXXX. Then on XX/XX/XXXX a follow up letter was faxed. No response from them. OnXX/XX/XXXX a letter was mailed to EverBank ( Attn Client Services ) informing them that their attorney 's had failed to get back to XXXX XXXX. OnXX/XX/XXXX XXXX XXXX spoke to a client rep. from EverBank who denied that the Bank was aware that these letters existed. XXXX XXXX on XX/XX/XXXX faxed all five pages to EverBank. A confirmation letter came in the mailXX/XX/XXXX dated XX/XX/XXXX confirming that they had received the XX/XX/XXXX letter, proving that they had lied to XXXX XXXX. In the XX/XX/XXXX letter XXXX XXXX gave EverBank a deadline of XX/XX/XXXX to respond to his letters. EverBank has not responded back in the thirty day period which it was given which puts it in violation of Federal law. They do n't even get his name correct when they do.
06/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32034	Web
I got a letter in the mail saying tiaa bank has partnered with loancare and that I have a outstanding balance. They said I didn't pay XXXX and XXXX and that I owed three months mortgage. So I payed the 3 months to the new address and new account number. And now they are saying they haven't received the check. And XXXX XXXX says all of the checks have been cashed. Even the first ones for XXXX and XXXX that I sent in XXXX and XXXX. I never received any notice that Tiaa bank was switching to loancare or that I was supposed to be mailing to a new address or loan number until they sent me a delinquency notice. And now they are still harassing me with phonecalls every other day. Asking me for my social security number and asking me how much the mortgage is. They are still asking me for more money Even though I payed them twice for XXXX and XXXX. And XXXX XXXX won't help me file claims or charges or whatever I need to do to get this resolved.
04/19/2017	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30319	Web
Please refer to Case number - XXXX , attached Cover Letter to CFPB dated XXXX XXXX , 2017 and Exhibits A - D XXXX Also, the funds that were obtained from EverBank & XXXX through the National Mortgage Fraud Settlement and the Multiple Consent Orders and then distributed to my state 's ( Georgia ) Attorney General ( XXXX XXXX at the time ) were never re-distributed pursuant to the settlement and consent orders as required. To the best of my knowledge, the funds were converted ( misused ) by my state apparently for roads work. All I know, is that I never rec 'd any of the funds. Had I rec 'd the funds as required, then I would have been able to get my loan current and avoid foreclosure. I also applied for funds/relief through Hamp/Mfa and through the Hardist Hit Fund . EverBank & XXXX violated & failed to comply with multiple metrics as defined by XXXX XXXX , the mortgage fraud settlement monitor.
03/02/2023	No	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	NJ 07719	Web
XXXX XX/XX/23 XXXX ( 22 minutes ) telephoned TIAA bank to ask about a CD had seen. Spoke to a young man. He said i could open the account and fund it later. The interest for the month was not being shown. I said i would call and authorize funding. XXXX I am looking at transfers from TIAA to other institutions XX/XX/23 XXXX ( 9 minutes ) spoke to a youmg lady and she could not tell me how much interest was accrued for the month. I said i would call to fund later. XX/XX/23 XXXX XXXX ( 7 minutes ) spoke to a young guy. I saw my CD was funded. I was XXXX and DID NOT AUTHORIZE FUNDING. XX/XX/23 XXXX ( 6 minutes ) I was very aggravated after sleeping on the funding- not authorized and a large sum. i spoke to an older gentlemen who said i authorized funding when i did not. I said i wanted the money out of the bank, since i did not authorize funding. He said it would be a {$2000.00} charge. I had to get off of the phone very shaddy
05/15/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	WA 98664	Web
Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...
02/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92126	Web	Older American
After multiple phone calls to TIAA bank and also using their online contact forms I am unable to obtain my 1098 tax form from the company. Their email reply to me is to retrieve the 1098 from their website. I have replied twice with this text below that they either are not reading or are ignoring : -- -- -- -- -- -- -- -- -- -- -- -- -- When I sign in and click on " View Year End Statement '' it still displays a message saying " Requested 1098 File Does Not Exist ''. I did not receive a XXXX statement with the 1098 and now I've just received my XXXX bill. If you can not fix the website then just attach my 1098 PDF to an email and send it to me so I can complete my taxes. -- -- -- -- -- -- -- -- -- -- -- -- - This is getting serious as it is preventing me from completing my 2020 taxes. This is costing me money and will eventually force me to deal with the IRS which I have never had to do before.
07/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA XXXXX	Web
I had auto-debit set up from my EverBank checking account to pay my EverBank mortgage payments. Without my knowledge/authorization, EverBank erroneously debited from my EverBank Money Market account instead of the EverBank checking account and drained the Money Market account. Once the account was drained, EverBank sent me a late notice for my mortgage payment. On XXXX XXXX, 2016, I called EverBank to straighten out the error. EverBank reversed all charges and put all money back into the Money Market account and pulled the charges from the correct EverBank checking account. BUT they said they were still going to report the late payment to the Credit Bureaus, even though it was their error. I want my Credit Reports corrected to show no late payment. If you look at my Credit Reports, you will can see that I had a perfect, on-time payment record on all my mortgages up until EverBank made this mistake.
05/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95136	Web
I paid my two months mortgage amount of {$3300.00} ( XXXX 2020 ) and {$3300.00} ( XX/XX/ 2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/ 2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
05/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95136	Web
I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
03/14/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46818	Web
Every year for at least the past four years the insurance company representing my condo association must submit hazard insurance " lenders loss payable '' to my mortgage company Everbank in XXXX Ga. Under my direction the insurance company submits this information as instructed by Everbank. Yet every year we must submit this info multiple times as Everbank somehow does n't process the info. We have tried faxing, uploading & sending a hard copy, again per instructions from Everbank. None seem to get processed. Everbank will not accept this info via e-mails. Every year for the past 3, Everbank has force placed insurance at my expense. Is gets cancelled eventually. This is so frustrating. I ca n't be the only borrower with this problem. I think Everbank is being negligent by not professing this info in a timely manner. I need your help. Please investigate and let me know. Thank you.
08/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	ME 040XX	Web
I am trying to get TIAA Bank to Discharge my Mortgage. They initiated a lawsuit lost in court, the decision was handed down on XX/XX/XXXX. " Judgement for the Defendant. '' Please see Decision XXXX XXXX : XXXX XXXX XXXX v. XXXX XXXX XXXX for the courts decision regarding the discharge of a mortgage after a suit. Maine law is clear on this matter. The homeowner is entitled to a discharge of the mortgage if judgement is entered in his or her favor. TIAA failed to win failed to prove their case against me, the case had no merit in the first place yet they have held onto my deed. I demand that they release it or I will be forced to take action. I will ramp up my complaints against them and use every means possible to do so. The internet, radio, the newspapers and even the local television stations. Will these big banks ever smarten up? Stop trying to push people around.
11/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32246	Web
My father passed away and left me his home. my mother was also on the loan. We were banking with Everhome mortgage, my mother lost her job because of injury and was unable to pay. They were going to do a modification ( supposedly to assist her ) I came forward and paid {$10000.00} towards the mortgage on the same day to assist my mother. They decided that because I put {$10000.00} down that she was no longer in a hardship. To top things off they were reporting late payments under my SSN and I have never even signed a mortgage for this home. When I confronted the issue they decided to Transfer the loan XXXX, and sent incomplete paperwork because XXXX is telling me they have no proof that my mom was ever on the loan. And advise us that we may have to go to probate court. The Balance on the account to pay off the home is {$6000.00}. why would I get into a 30 yr refinance.
01/12/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	VA 23322	Web
EverBank, Who is the Lender violated the truth of lending by appropriated my credit card money used to lock interest rate. We had agreed that this money about {$3700.00} would be returned back to us the way it was paid because FHA regulations couldnt accept any portion of credit card money to be used for any process during the closing. Strange enough, during the day of closing, EverBanks Manager XXXX XXXX XXXX, on XX/XX/XXXX, 2017 ( closing day ) wrote back to me to confirm that my credit card money has been processed and I should be getting my money back within few days. Later on, they have changed the story to inform me that that portion of credit card money ( about {$3700.00} ) has been used for closing, somtihing Opposite of what we have been advised, something violated truth of lending and possible violated FHA regulations to use credit card money for closing.
10/14/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	ME 04240	Web
On XXXX XXXX I created a monthly recurring bill pay for {$140.00} to pay XXXX XXXX for a new life insurance policy. I tried to accomplish this on my checking account with TIAA bank. A few days later I looked and I see that TIAA bank has sent my payment to XXXX insurance which is a completely unrelated company. They sent an electronic payment to XXXX with my XXXX policy number. I called TIAA Bank and they said they use a vendor for bill pay and would file a dispute. The bill pay person called me and we called XXXX together spending at least an hour on the phone together. They bill pay person told me to ask TIAA to credit my account for the error. I waited until Monday XX/XX/10 to call TIAA bank but when I asked them to credit my account for the error they refused XXXX the error was the vendors fault. As of now my payment is lost and my account has not been credited.
07/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28211	Web	Older American
I signed a copier lease as the owner of my previous company, XXXX XXXX XXXX financial and insurance services with TIAA. I closed my company on XX/XX/2021 in the midst of the corona virus crisis. While there were still lease payments remaining on the lease, TIAA abandoned the property. I offered to return the copier to them and to return the unused cartridges. TIAA refused saying that my copier was too old and told me to simply throw away the copier and cartridges which I did. Now, over 1 year later, they have turned me over to a collection agency and told me to deal with them on the remaining lease payments. I have closed my business and there are no assets remaining in the business. The lease contract was in the name of my business and not in my name personally. Yet, they are trying to collect a debt that is not owed by me and for property that they abandoned.
06/03/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 911XX	Web
Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority. We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX for a installment payment that was not paid by our loan administrator and a penalty was also assessed. XXXX was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty. They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.
10/16/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75771	Web	Older American
EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? By the way, we were not informed by the insurance company that they canceled our account. Thank you
09/15/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IL 60614	Web
Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.
01/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 210XX	Web
I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.
03/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77346	Web	Older American
Extreme difficulty and frustration in logging into the new servicing center recently hired by the my Mortgage Company TIAA Bank. TIAA Bank recently hired XXXX to service the mortgage accounts. The XXXX XXXX Website is defective and will not allow me to enter the website to make my payments. The login procedures do not recognize my account number or social security number causing frustration and delay in making my mortgage payments. I have to call into the XXXX Customer Service which is incorrectly listed on their website. I have wasted 45 minutes trying to make my mortgage payments. Need XXXX to merge my correct loan number and social security number and to purge my current loan sign on id and password so I can create a new id and password that can be merged with my correct loan number and social security number.
08/03/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 32225	Web
I had an FHA loan with XXXX Bank. I sold the home. Loan was paid off and closing on XX/XX/XXXX. On XX/XX/XXXX I received a check from TIAA Bank dated XX/XX/XXXX for {$940.00} for misapplication reversal. Please see attached. The check was void after 90 days, however, I didn't receive the check till 5 months after it was dated. I attempted to cash the check and it bounced. I attempted to call TIAA Bank but there mortgage business no longer exists. There was no one to talk to, just automated messages. The call eventually transfers to XXXX who now services TIAA Loans. Once again there is no actual person to talk to at XXXX, it's just automated messages. Since there was no one to talk to, I wrote TIAA Bank a letter on XX/XX/XXXX. In the letter I requested to file a complaint. I have not received a response.
09/30/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	MN 554XX	Web
CD of {$160000.00} matured on XX/XX/XXXX, a Saturday. TIAA said it would be sent via postal service. They said check was sent Monday XX/XX/XXXX. On XX/XX/XXXX I still have not received the check. I called a couple times and both times they blamed the post office. They said it could take up to 14 business days. I find that extremely hard to believe regular mail takes that long to go from NY to MN. I think they are being slow and blaming the Post Office so they can use the float. I mentioned that to them and both times their response was my money is not in their hands anymore. Until I cash that check they still have use of my money. I still can't believe they both said that to me! If one were to extrapolate how often this goes on at TIAA I would imagine they are making a fair amount of money off the float.
04/10/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NY 11377	Web
On XX/XX/2019 I had signed up for a TIAA checking account promotion that was available publicly on there website. The promotion was to open up a checking account and set up direct deposit through your employer with at least {$1000.00} deposited from your employer to qualify for a {$250.00} bonus. My XXXX through my employer was deposited into the account on XX/XX/2019. I was instructed from previous representatives that it would take 3 months to reflect the {$250.00} bonus. After many phone calls and back and forth they said I did not qualify for the bonus because the offer was not meant for the public which is incorrect because I had screen shots of the promotion taken from my computer as proof and now they refuse to honor the {$250.00} bonus even though I had met the terms and conditions of the offer.
01/10/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY XXXXX	Web
On XX/XX/XXXX I received a mortgage loan from TIAA Bank ( at the time the name of this bank was Everbank ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to TIAA Bank. Since that date, XXXX has continued to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted TIAA bank to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.
02/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web
I have spoken and written to TIAA bank for months trying to resolve a trivial matter. My property was recently reassessed for property taxes and as a result all 3 of the taxing authorities will lower the bill for 2019. I have written and spoken to TIAA and despite the passage of several months they have not responded, despite being given documentary evidence of a new assessment and its promise to contact the relevant taxing authorities to get an updated estimate. As a result I am likely paying hundreds of extra dollars into escrow and am carrying an escrow balance far in excess of federal limits. Secondly I forwarded via fax and mail a borough tax bill to TIAA bank, it has yet to engage with this letter or make any effort to communicate its intent to pay this tax bill in a timely manner.
09/13/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77346	Web
Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.
03/20/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	SC 29605	Web
Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.
01/27/2016	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	NC 27405	Web
Everbank foreclosed on my house in XX/XX/XXXX. Then transferred the loan to XXXX and they started foreclosure in XX/XX/XXXX after Everbank had already foreclosed on the property. On my credit report Everbank has a line that says loan transferred. Which leads creditors to believe that I have a mortgage out there somewhere, but I do n't. I have spoken with Everbank and asked them to simply report to the credit bureaus that the account is closed and settled in full, but they refuse. They say that I need to talk to XXXX. I 've talked to both companies and they both are playing the blame game. Everbank says that I owe no money. So because they have the status of the that mortgage as being transferred it is hindering my credit and my ability to receive credit to buy another home.
11/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 949XX	Web	Older American
CONCERNING LOAN # XXXX EVERBANK Shortly after the loan was closed in XX/XX/XXXX, I received 2 or 3 XXXX packages containing letters and documents making changes to the Closing Disclosure. I HAVE THE PAPERS DATED XX/XX/XXXX, but I am unable to find the one or two others. I need them. I have called Everbank 3 times and have received wrong documents twice. I have received no response to my recent email. Also I have filed 2 previous complaints to cfpb about obtaining the loan. Due mianly to my loan office 's incompetency, I got stuck with an ARM, at age XXXX, due to the % of renters in the condo complex being too high. I recently got notice from the HOA that the % of owners is now over 50 % making it easier to get a 30yr fixed. I would like a 30 yer fixed loan
06/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	AZ 85339	Web	Servicemember
I am a XXXX XXXX. I work for a XXXX XXXX XXXX with no retirement plan. In XXXX XXXX opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.
06/15/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 322XX	Web
Loan included in Chapter XXXX bankruptcy. Servicer failed to calculate escrow correctly and wanted to change final order after Bk confirmed. Paid agreed upon payment. Servicer would not distribute escrow over XXXX year period per hardship and refused to accept agreed on payments. Would not allow a modification. Escalated to attorney referral and late fees. Contacted Attorney prior to Lis Pendis and requested payoff. Attorney delayed payoff until Lis pendis filed to include attorney fees and proposed fees. Requested adjusted fees stated they had to contact the servicer for the adjusted payoff. Finally received payoff with only XXXX in fees adjusted and no response to request for modification. Servicer modification team operates XXXX to XXXX est. only..
10/22/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	TX XXXXX	Web	Servicemember
Bank : XXXX XXXX ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. Last digits on account are : XXXX Also identified on website as : XXXX
10/27/2020	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 770XX	Web
TIAA posted a public online offer at tiaa.com that says " TIAA Bank is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling at least {$1000.00} within 90 days of account opening ''. I opened the account online and initiated the direct deposits and met all the terms but still didn't receive the bonus. I called TIAA twice to solve this. TIAA representative said I needed to go online and requested a promo code and then open the account. This was a false statement. Because customers can open account online and no promo code was required. It is a public offer posted at TIAA.com, indicating everyone can apply without having the promo code.
05/29/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA XXXXX	Web
I have been a customer of TIAA XXXX for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.
08/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 02474	Web
I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.
08/13/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	FL 33323	Web	Older American
I have a CD with TIAA Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX The maturity date was today, XX/XX/2022. On XX/XX/2022, I gave online instructions to close my CD on the maturity date and deposit into my money market account. That has not been done. I noted that they say it can take 3 business days in order to give me my money. Since it matured on a Friday, I am penalized with the week end and it will take me close to a week ( if I am lucky ) to receive my money. Is this legal? Are they in financial trouble? To make matters worse, my CD will now be earning XXXX while their money market account XXXX. Please let me know if they are permitted not to honor the terms of the certificate of deposit that matured today.
07/18/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	ID 837XX	Web
On XX/XX/XXXX XXXX unauthorized charges went through my account. XXXX for {$190.00} & XXXX for {$340.00}. I called XXXX and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with XXXX and it has been proven that I did not authorize the XXXX transactions but the supervisors XXXX and XXXX do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help XXXX
04/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 50315	Web	Older American
This complaint is about Everhome MortgageOn XXXX XXXX they recieved a check which stated to be applied to principal of {$50000.00}. on our home. Instead of doing that they put aprox. {$47000.00}. on it put the rest in escrow and payments ahead.the balance after they received it the balance should have been {$100.00} I asked on XXXX I believe about the XXXX what the payoff was and wired aprox! XXXX. for the payoff I never paid attention to the amort schedule before.after arguing with them they said they would send XXXX back it is now the XXXX of XXXX no check after reviewing the schedule I also noticed they reduced my escrow and charged full interest for that month I am getting nowhere with these people
09/18/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	NY 125XX	Web	Servicemember
CD matured XX/XX/2018, maturity notice was sent to my address at XXXX XXXX , XXXX . I closed the acct., check was not received, called bank and was informed cd was closed and check sent. I called again and was informed check was sent to my winter address in XXXX. and after several attempts to deliver it, check was returned to bank. Check would be arriving by XXXX XXXX XX/XX/XXXX. When it didn't arrive, I called again, it has been 24 days that this money, over {$40000.00}. has not been receiving interest and now told XXXX XXXX will deliver it XX/XX/XXXX. How can a bank treat a customer like this? If I rec. check on XX/XX/XXXX, it will be 25 days, I have been without the use of this money.
04/02/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60613	Web
I am seeking COVID-19 hardship forbearance as provided in the CARES Act. My servicer is TIAA Bank. To request a forbearance, they require you to print out and complete a form and fax or mail it to them. I completed the form and went to a XXXX XXXX to fax it, which I did on Monday, XX/XX/2020. I called TIAA Bank on Thursday, XX/XX/2020. The woman I spoke to said the missed payments would have to be paid in a lump sum in the month following the end of the forbearance period and that this was XXXX XXXX 's interpretation. She further said that, if you couldn't make the payment ( reflecting the sum total of all the previous months ' payments ), you would have to get a loan modification.
03/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63116	Web
This lender, XXXX Bank, has engaged in an ongoing and breathtaking pattern of misconduct, ranging from sheer incompetence to outright deception, including the following : -Falsely claiming I did not have insurance on the property so they could purchase insurance at multiples of the fair market rate and try to pass along the inflated premium to the borrower -Deliberately misinforming me that my loan had been sold to another lender, so that I would stop complaining about their misconduct ( in fact, the loan had not been sold, just assigned to a different TIAA servicer ) -Unilaterally altering the terms of my mortgage by adding additional escrow fees that I specifically declined
11/11/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11208	Web
My name is XXXX XXXX. My home address in XXXX XXXX XXXX, XXXX, NY XXXX. My loan number is XXXX. I have made several attempts to work with my mortgage company XXXX TIAA Bank XXXX on a solution for the amount owed to them due to the mortgage forbearance plan I took in XX/XX/2020 as a result of COVID-19. I have applied for a payment deferral in XX/XX/2020 however TIAA Bank has not yet provide me an update on my application and now they are requesting me to pay the entire amount due. I have started making regular mortgage payments since XX/XX/2020 but I can't afford to pay the entire amount due. TIAA Bank is unwilling to help me find a solution so I can stay in my home.
05/04/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA 31324	Web	Servicemember
XXXX assumed servicing for TIAAs home financing products earlier this year. My 1st lien position HELOC was transferred to them on XXXX XXXX. Since that time, my payments have been misdated, misapplied, and now theres around {$19000.00} unaccounted for. I have reached out to XXXX and TIAA dozens of times for resolution, but sufficient answers have not been provided. TIAA has acknowledged that there are issues with XXXX XXXX of HELOC accounts, but Im just continually asked to be patient. This is the third month of constant problems, and my patience is exhausted. XXXX is violating the terms of my contract with TIAA, and TIAA doesnt seem keen to prevent further injuries.
01/25/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	CA 91403	Web
On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.
03/22/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TN 381XX	Web
I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.
07/05/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30344	Web
The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.
03/27/2019	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	NJ XXXXX	Web
I opened a money market in XX/XX/XXXX and funded {$20000.00} into the account. I did not notice that they ordered checks for my money market account ( savings account ) and I took {$5000.00} from it as I thought it's from my checking account for 5 days and I re-deposited {$5000.00} into the account. As of now, I have maintained {$20000.00} balance in the account for almost 120 days and the bank refused to honor the {$200.00} bonus because the balance was less than {$20000.00} for the interim 5 days. According to their advertisement, I only need to keep {$20000.00} for at least 90 days following the account opening which I would be qualified.
01/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07410	Web
( XX/XX/2019 - Mortgage Payment ) At the end of XX/XX/2019 TIAA bank required that I pay my mortgage payments by check for my loan payments. In XX/XX/2019 I submitted a payment for my loan using a certified bank check. I hand delivered this check to the XXXX, FL branch of TIAA bank before XX/XX/2019. The cutoff for the mortgage payment is the XXXX. The bank then took a week to mail the check to their payment processing center in XXXX. Because of this the payment was received by the processing center after the XXXX and it was marked as late on my account even though the payment was made to TIAA on time and using certified funds.
11/29/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 894XX	Web
i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do
06/03/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
I applied for a credit card with Everbank. I got a email reply from the banker. " I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.
10/25/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 93311	Web
OnXX/XX/2018, TIAA Bank offered a 6 month mortgage rate lock to lock my rate on mortgage loan application. They were asking for {$4400.00} deposit to lock the rate which is promised to be refundable at closing. Recently, I locked my rate and paid the said deposit. However, when the Loan Estimate was sent to me, it shows that the rate lock deposit is not really a deposit but actually a FEE, even though it is called a deposit, it was placed in the loan estimate under Origination Fee. This is switch and bait tactic to lure me to pay the deposit which I thought is refundable. It is not. I want my money back.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85143	Web
My mortgage company, TIAA bank, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A TIAA bank representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX and XXXX as those reflect the 15 point reduction. XXXX hasn't updated this yet.
04/17/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	GA 30067	Web
We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX
08/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30281	Web	Older American, Servicemember
Tiaa, our mortgage holder is using our mortgage payment to pay insurance that they say we owe. We have had our insurance with XXXX since XX/XX/2020 to date and Tiaa will not accept our insurance. Tiaa is using forced escrow insurance which we refuse to pay since we have proven to them that we have had XXXX XXXX. No matter what we send them ( copies of the policies ), Tiaa will not accept this proof therefore they say we owe them thousands of $ 's and they are collecting this money by using our mortgage payments to do so. We have written the President of Tiaa, the President of XXXX twice. No response!
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85143	Web
TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
02/10/2017	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	OR 97223	Web
in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! recontacted everbank and they claim that in fact date has changed. I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them
06/30/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 956XX	Web
Bank is refusing to talk to .me They are Only talking to an attorney who has been hired to foreclose-but she has lied to me about her involvement. I have reached out the the " loan serviving co " because TIAA has refused to acknowledge me as the client??? It's so bizzar My house was trying to be taken by my exhus no trustees because he XXXX TIAA is conspiring and not working with me due to do to financial hardships created in XXXX XXXX. Their attorney has stated she has filed paper.work in court bit I havnt gotten. Any thing and have requested. ANY INFORMATION.BUT DENIED ACCESS????? PLEASE HELP.
09/06/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IA 52403	Web
On XX/XX/XXXX a check was deposited for {$510.00}. This was an insurance check and none of the funds were made available prior to the release date of XX/XX/XXXX. In addition, the bank has limited ways to fund an account. After being told that no checks would be returned, nor would any overdraft fees be collected, they immediately returned a check for {$100.00} and did not make me immediately aware of any holds on the funds, but did so by mail, received XX/XX/XXXX. I believe that several of the regulations set forth in Regulations CC and Expedited Funds Availability Act when an insurance check.
01/27/2017	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20910	Web
I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.
12/18/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 33647	Web	Older American
I requested a roll over of my retirement acc from TIAA to XXXX XXXX After many calls with incompetent TIAA agents and missing forms they finally processed the transfer but that is unbelievable they send {$270.00} XXXX by regular snail mail usps as a XXXX card- no certified mail or tracking Very unsafe, unsecure and prone to be lost or stolen beside lost interest for more than 10 days No checks were received after 4 days? Agent say XXXX certified over night may be available upon request but I was never informed I will make sure that will be addressed-completely carless from your customers
03/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07508	Web
TIAA bank will not offer a loan forbearance too, as I am entitled to under the cares act. They all of a sudden said a new company owns my Mortgage. A company called XXXX XXXX with over 5000 complaints on the consumer financial protect office. They refuse to offer a forbearance. My credit is going to be ruined like the 5000 other complaints you have received. They have a policy where humans do not pick up a phone call. Awful company TIAA and XX/XX/XXXX is. They are ruining everyone 's credit with their incompetency. I have reached out to them 42 times trying to get a forbearance.
07/14/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	KY 40351	Web
I had items for sale on XXXX XXXX. A prospective buyer communicated with me via XXXX XXXX that he was interested and wanted to send me money via XXXX. So I gave him my email address. He emailed me and said he used the wrong account and needed me to send him the money back, then he would send the money to me from the correct account. I sent him a 'refund ' without checking to see if I had gotten the money from the original 'transfer '. I had not of course, and lost the {$200.00} to the scammer. My bank, TIAA, said that this type of fraud was not protected by them and would do nothing.
07/12/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Unable to open an account	AL 365XX	Web
I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''
06/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77008	Web	Servicemember
On two separate occasions, TIAA bank has taken extra payments which they were specifically instructed to apply to principal, and instead applied them as ordinary payments ( mostly going to interest ). First occasion was a payment of {$20000.00} on XX/XX/XXXX Second occasion was a payment of {$10000.00} on XX/XX/XXXX Each time, they were contacted by phone either prior to the transaction, or the day of the transaction to clearly indicate the disposition of the payments. I believe they are knowingly cheating consumers and engaging in deceptive practices.
04/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19020	Web
I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.
03/02/2021	Yes	Mortgage VA mortgage	Trouble during payment process	OK 748XX	Web	Servicemember
On XX/XX/XXXX TIAA bank combined with XXXX to service my lone # XXXX with TIAA bank was changed to loan # XXXX. I tried to log on and make a payment. And was unsuccessful, then when I call there automated system states my loan payment was now {$430.00} my previous payments was {$420.00}. I tried repeatedly to contact the number provided and keep getting hung up on before I can speak to anyone concerning the increase of {$16.00}. Now I am a day late and have never been late paying the payment. No email was provided and not able to reach a real person.
06/08/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NJ 07040	Web
I bank with Everbank which is now TIAA bank. I opened a checking account in 2015. I have called and requested an account closure, but the bank will not allow me to do so. I asked customer service why they won't close my account and was told because there's a block on the account, Once I again I asked what the block was for and was giving no reason at all. My bank account currently has XXXX of my hard earned money and, The bank is giving me the run around. Transfer after transfer, from department to department. I am tired of this. Please Help
08/10/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	TX 78660	Web
I recently closed an IRA CD at TIAA Bank. I want to roll over these funds into a company-sponsored 401K plan. TIAA bank will not supply me with a Distribution Statement which is required when rolling over a tax-deferred IRA. They have sent me a check, but no other documentation. I have contacted them repeatedly, and they just keep telling me that it is in process. I can't roll these funds over until I receive this statement. TIAA bank should be investigated for extremely poor customer services, and failure to supply IRS-mandated paperwork.
09/06/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	FL 33647	Web	Older American
I receive monthly retirement XXXX payments from TIAA acc Number : XXXX For XXXX they never sent a check-they deducted money from my XXXX even the check is marked not cashed My bank XXXX statement shows it was not received -I called them XXXX times and they promised to correct it ( cancel the missing check # XXXX for {$1500.00} ) and send a replacement check. I guess they stole my money Also I asked them in writing and also XXXX times by ph to change the sending address from my XXXX bank to my residence -they promised but never did-please
03/30/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91342	Web	Older American
My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. The XXXX will take another year before they start investigating. Please read the attached letter form more details Please stop this foreclosure until the investigation is over.
09/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19149	Web
Mortgage Company is TIAA/XXXX I have paid off my mortgage and am trying to get a satisfactory letter so I can sell my house. On XXXX XXXX received a payoff letter stating a satisfactory letter would be sent to the county. My settlement date was XXXX we,XXXX but was postponed until XXXX XXXX because the title company can not get a copy of the Satisfactory letter. Could someone please tell me is this customary. Is there a legal timeframe when such letter should be sent to the county? Thank you
05/31/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33311	Web
the assignment of mortgage from XXXX financial services in XXXX 2000 ... ... to XXXX ... ... was decietful, erroneous, and fasely tailored with deception this assignment recorded in XXXX XXXX public records is missing my sister 's name. this is not a typo error as the original document recorded by XXXX has her name ... ..XXXX went bankrupt prior to the assignment and had its hud violations later XXXX had an automatic dissolution ... ... anyone can view these documents I wish I had years ago
05/31/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07508	Web
I am in the COVID-19 Cares act forebearance program. I have tried 40 times to speak with someone at XXXX about resuming payments. Can never speak to someone, only get answering machines. They have 5000 consumer financial protection other complaints about the exact same thing. I am working now and want to continue my payments, and pay the balance when I sell or refinance, XXXX is not helping at all, and cant even speak with anyone. I WANT TO RESTART PAYMENTS. I NEED TO SPEAK WITH A HUMAN.
09/29/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 349XX	Web	Servicemember
On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct
01/28/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NY 115XX	Web
Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.
07/10/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AZ 85042	Web	Servicemember
Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.
04/03/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 604XX	Web
We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.
10/11/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 80524	Web
Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.
02/08/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	AL 365XX	Web
I received a letter from TIAA Bank stating that my 5 year CD would be set to mature after 1 year on XX/XX/XXXX. I am not agreeing to this unless I can get TIAA Bank to guarantee in writing that they will not charge me any kind of early withdrawal penalties or guarantee that they will not change my interest rate to that of a 1 year CD or add any additional fees at the closing of the account. My online bank access shows that the CD will mature on XX/XX/XXXX.
03/28/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	FL 33040	Web
I called and authorized my retirement account holder, TIAA, to transfer {$7000.00} from my bank 's checking account into my IRA. Instead, they transferred {$14000.00}, which is not allowed. They have screwed up and want to send me a check in the mail for the amount, but can't tell me how long it will take. This is unacceptable. Why would they take twice the amount I asked that is obviously over the allowed amount? Something is very wrong with this company
06/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11003	Web
I am trying to get a loan modification. I need assistance. I have given tried to establish my trial period worthiness. I feel the lender is being unusually harsh to me. I ask that you audit my file and research my foreclosure. I hope that they would just give me a streamline modification trial period. I will make my payments and keep my home. I believe that the fair debt collection act and other laws that protect homeowners were violated.
06/23/2021	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	SC XXXXX	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX, VA took over my mortgage loan from TIAA Bank. I paid off my Mortgage through a refinance. THERE IS AN OVERPAYMENT BY THE NEW MORTGAGE COMPANY OF {$1500.00} AS WELL AS {$1100.00} ESCROW BALANCE AS OF XX/XX/21. NEED YOUR HELP AS NEITHER LOANCARE LLC OR TIAA BANK HAVE ANY WAY OF BEING CONTACTED e-MAIL OR TELEPHONE. PLUS THERE ARE HUNDREDS OF SIMILAR ONLINE COMPLAINTS ABOUT THIS GROUP.
05/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	IL 60073	Web	Servicemember
I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
06/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01602	Web
Everbank did not send me any information to explore my loss mitigation options, NOR did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction date XXXX - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!
07/08/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 087XX	Web	Older American
I am refinancing my loan with TIAA Bank. They have had the loan for 15 years and I am just looking for a rate and term refi. In the 15 years I never had a late payment. The appraisal came in and I have a 60 % LTV, and a DTI of 30 %. They have taken about {$900.00} for fees and seems to have done everything they just keep stalling closing -- and they don't explain or respond to any emails. This feels like a scam to me.
06/18/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	AL 365XX	Web
I have tried numerous times to provide maturity instructions for my CD 's with TIAA Bank. I want my CD 's closed at maturity and a check mailed to me at maturity, which should not incur any kind of fees. However, TIAA will not accept maturity instructions, only giving me the option of having the CD 's paid out early and charging me an early withdrawal fee or automatically renewing the CD 's for another term with TIAA.
08/06/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	AL 365XX	Web
TIAA Bank is not responding to my secure messaging communication regarding maturity instructions for my CD, which matures today. When I log into the online banking on TIAA 's website, I see that they are trying to set a new maturity date in 2024. I have provided instructions that the CD is to be paid out at maturity which is today. Concerns me that the bank disregards my instructions and ignores my contact attempts.
03/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 087XX	Web	Older American
I have an adjustable Rate mortgage which should be based upon the LIBOR 6 month rate 15 days before the change date. This time they intentional used a date 24 days before which makes a difference in rate by 1/8 %. this has changed 8 times already and every time it was on XX/XX/XXXX or XX/XX/XXXX and this time they used XX/XX/XXXX. Nice random date which made me look at it closer. This is intentional fraud.
04/13/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 17109	Web
My LTV is at 77 %, I have never missed a mortgage payment, and have been paying PMI since XXXX. A written request to remove PMI from my conventional TIAA bank mortgage was denied, citing that I need my loan at 70 % LTV. My original written request was submitted in XX/XX/XXXX and just last week XXXX XX/XX/XXXX XXXX was the first time I was able to connect with the right person at TIAA to address this.
11/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
Thank you for your quick response. However, in the complaint, you have XXXX as the company I am complaining about. See below : " What company is this complaint about? Company Information XXXX '' This should be Everhome/Everbank/TIAA. As I stated in my complaint. It started with XXXX, but when they transferred my loan to Everbank, Everbank added the {$500000.00}, instead of subtracting it. Thank you!
12/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95020	Web
EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.
11/27/2017	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30032	Web
In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!
02/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	VA 23185	Web
I had three accounts with TIAA Bank, a checking account and two savings accounts. I closed them in XX/XX/2022, so I need a 1099-Int form to complete my taxes. But TIAA has not sent the 1099 by XXXX XXXX or by e-mail. In addition, I can no longer access the accounts online because they are closed. I called TIAA Bank, and they said they would email me a 1099-INT, but they have not sent one.
03/31/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TN 37013	Web
When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit
02/12/2019	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NJ 088XX	Web
TIAA-XXXX has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.
07/30/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91344	Web
MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.
02/23/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	DC 20018	Web
TIAA is delaying giving me PAYOFF statement. My new refinancing company and I have request it 6 times since 3 weeks ago. TIAA keeps on saying it is processing and that it takes 3 business days. I think TIAA is avoiding issueing payoff statement and is trying to delay my refinancing. Here 's the info of the TIAA -- XXXX : XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
one of the people who XXXX and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX All three credit bureaus have receipts of payment made prior to 1St but still have not removed.
06/18/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	AL 365XX	Web
TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.
03/22/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95014	Web
I am a customer of TIAA BANK who moved the loan servicing to XXXX. # XXXX My contract allows the subordination of the loan. However, TIAA as well as XXXX XXXX are refusing to reveal the condition for subordinations. It has been over 4 weeks. I have suffered financial harm as loan rates have changed in the meantime, and I had to pay for home appraisal. XXXX XXXX XXXX
06/18/2018	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	AL 365XX	Web
I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}. Please mail the check to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''
01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 342XX	Web
Several calls throughout the last 2 years to fix the management of our accounts. Several payments have been " lost '' or not applied to account or applied to incorrect account. Finance charges are incorrectly applied to monthly billing/payments. Fees erroneously or incorrectly applied. Payoff amount is incorrect. First contact made about these issues XX/XX/2019.
05/31/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	IL 60073	Web
I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.
04/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 971XX	Web
When my mortgage company transferred servicing there was some confusion. I recently applied for a refinance with the mortgage broker who helped me purchase the property. The credit report shows I was late on XXXX and XXXX payments and currently past due. This has dropped my scores by almost 100 points and needs to be corrected immediately.
06/27/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	AL 365XX	Web
I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.
04/12/2022	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	CA 92124	Web	Older American
Tiaa bank made an error when reporting my credit as they transferred my mortgage to XXXX bank. As a result of TIAA 's reporting error my credit score dropped XXXX to XXXX points in all credit repositories. I tried to resolve this on the phone and TIAA 's representative said that TIAA bank no longer has a mortgage department.
03/12/2019	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NY 11566	Web
I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP
12/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 97223	Web
everbank claims my escrow account is XXXX short for this coming year. they are proposing to raise my escrow by XXXX per month and an additional XXXX on addition to the XXXX. THIS IS NOT NECESSARY. SOLUTION: simply increase monthly excrow to XXXX this will ;eave more than enough to pay taxes in XX/XX/XXXX
10/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95020	Web
EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.
06/28/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60502	Web
The PMI was not automatically removed from my account when it reached the 78 % LTV ra tio. The origional loan amount was for {$190000.00}. On XXXX / XXXX / 2016 the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.
09/29/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PA 19018	Web
I have retirement plans with TIAA and there holding my funds due to their bank errors. I cant see my balance and any activities with stocks going up or down. They have been promising me that the issues would be fixed but it seems like they dont know where the issue is and why my balance shows XXXX.
02/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75032	Web
I am refinancing My mortgage and have requested from TIAA the XXXX, XXXX, XXXX, And XXXX statements but to no avail they will not send the documents to me. My mortgage broker needs these statements to complete the new loan. Time is of the essence due to the interest rate lock is about to expire.
10/18/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 802XX	Web
On XX/XX/21 I contacted TIAA in order to close out any accounts I had open with them. The agent I spoke with said that the system will automatically clear out accounts but refused to actually close it, only that he would " ask to close it now '' while saying that it will most likely not happen.
06/12/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NJ XXXXX	Web
On XX/XX/2018 I submitted a request to close my account. Available balance in my account is XXXX. Everbank, which now XXXX has put a block on my account to prevent it from being closed. I've called customer service several times and got no actual reason as to why I cant close my account.
08/07/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NV 894XX	Web
I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.
09/14/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NC XXXXX	Web
XX/XX/XXXX tried to rollover money from TIAA to XXXX. TIAA appears to be a Ponzi scheme and refused to complete the rollover. They must have hired XXXX XXXX to run the organization. Refused to return my original paperwork that was submitted. Refused to complete the rollover.
06/26/2017	Yes	Checking or savings account Savings account	Managing an account Banking errors	CA 90266	Web	Older American
Contacted EverBank several times including the office of their CEO XXXX XXXX XXXX and was given the run around. EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.
10/19/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MI 48146	Web
My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.
05/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38111	Web
Got my initial mortgage refinanced in XX/XX/XXXX. Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. Though XXXX owns my loan as of XX/XX/XXXX.
12/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19382	Web
Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?
04/24/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 32216	Web
I 've applied for mortgage with EverBank on XXXX despite providing all the required information on time, the underwriting failed to close the loan on time ( XXXX / XXXX / XXXX ), resulting in additional and unnecessary financial burden.
06/20/2018	Yes	Checking or savings account Savings account	Closing an account Company closed your account	AL 365XX	Web
I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.
06/20/2017	Yes	Mortgage VA mortgage	Incorrect information on your report	IN 46143	Web	Servicemember
I have told them this is not my account on several occasions. They have not offered to help. It needs to be taken off of my credit reports. It looks like it has been paid or transferred but for some reason it is still on my credit.
12/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33173	Web
I have flood insurance and have submitted proof to the mortgage company TIAA and XXXX and they continue to add forces placed flood on my escrow. I have tried over 8 times to correct it and nothing gets done.
05/29/2018	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	FL 346XX	Web
On or about XX/XX/XXXX, Everbank contacted me multiple times from a blocked or masked phone number to collect a debt, which is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ).
03/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 782XX	Web
EVERBANK is showing that I was consistently 30 days late on payment for my home for months in a row.this has never been the case. Even after the home was SOLD they are yet reporting late payment
03/20/2019	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NJ 088XX	Web
I recall there being an account opening bonus of {$200.00} for the money market & an account opening bonus of {$150.00} for the checking, please advise why this has not posted yet.
05/29/2019	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	GA 30083	Web
Mortgage company is some staple policies and reporting late payments based upon the date that they post payments not the date that payments are made and according to loan notes.
08/08/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44305	Web
they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once
12/23/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NY 11229	Web	Older American
The bank find all excuses and do not releasing transferring/wire my money for the second year! And they keep giving me stupid reasons To keep my money
02/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 70065	Web
we are trying to add XXXX as a mortgage/lender and we have called email and faxed over the information but no one seems to know whats going on.
11/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30004	Web
My lender does not offer any modification what-so-ever. Excuse given to me is Lendor/Investor does not participate in any modification programs.
05/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30082	Web
I was late in the month of XXXX only TIAA. They are telling me when you they report absolutely not following Federal consumer guildlines.
08/31/2019	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	IN 47906	Web	Older American, Servicemember
small charitable distribution withdrawals from large IRA at TIAA are rejected despite repetition on line and on phone and by email
01/24/2020	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	MD 21225	Web
TIAA Bank is still reporting my account as 30 days late which in fact my loan was transferred to another lender 8 years old.
02/26/2019	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CA 945XX	Web
TIAA Bank has held on to my funds, in the form of a large check, since XX/XX/2019 and has not returned to me the said check.
01/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC XXXXX	Web
Please see the attached description - Everbank is overcharging me for my monthly escrow account payments.
05/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20705	Web
My husband and I lost our jobs in XXXX, 2011 when our company 's contract was not renewed.
07/26/2018	Yes	Checking or savings account Savings account	Managing an account Banking errors	CA 95121	Web
Interest rate paid is not the rate the institution advertises on web site.
07/04/2017	Yes	Checking or savings account Savings account	Managing an account Banking errors	CA 90266	Web
see attached letter, dated XX/XX/XXXX and attachments 8 pages
12/17/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32907	Web
i dont have money to pay
07/10/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92656	Web

07/07/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	FL 34787	Web	Servicemember

06/21/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	VA 22101	Web

06/21/2023	Yes	Checking or savings account Savings account	Problem caused by your funds being low Late or other fees	PA 18976	Phone	Older American, Servicemember

06/20/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	NJ 07726	Web

06/09/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	CA 91101	Web

06/06/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	NM 88011	Web	Older American, Servicemember

06/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 33131	Web

05/21/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	AZ 85375	Web	Older American

05/14/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CT 062XX	Web

03/24/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	CO 81428	Web

03/07/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	CO 80538	Web	Servicemember

03/02/2023	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	GA 30082	Web

01/13/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TN 38135	Referral

12/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 38135	Web Referral

12/16/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 34238	Web	Older American, Servicemember

08/02/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 34952	Web

07/31/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OR 97239	Web	Older American

07/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20854	Web

07/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92886	Web

07/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92886	Web

07/11/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	CA 92038	Web

06/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OR 97239	Referral

05/31/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 04005	Web Referral

05/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21740	Referral

05/20/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60646	Web

05/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20001	Web

05/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33431	Web

05/12/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 94024	Web

05/05/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 34639	Referral

04/28/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	FL 33703	Referral

04/27/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75214	Referral

04/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32935	Referral

04/06/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 10583	Web

03/10/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MD 21811	Referral

03/07/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19131	Referral

02/24/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 94549	Referral

01/26/2022	Yes	Checking or savings account Savings account	Managing an account Banking errors	AK 99645	Referral

01/24/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30281	Referral

01/21/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21872	Phone

12/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PA 193XX	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11223	Web

12/10/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 91326	Phone

11/04/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	NJ 07094	Web

11/03/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07002	Web

10/26/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 10303	Web

10/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 63136	Referral

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11223	Web

10/04/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	IN 46037	Web

09/29/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33629	Referral

09/27/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 75214	Referral

09/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33177	Referral

09/01/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NH 03087	Web

08/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12986	Referral

08/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85249	Referral

08/03/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30281	Postal mail

07/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VT 05346	Web

07/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30067	Web

07/21/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AZ 85028	Web

07/15/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CO 80538	Web

07/08/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30297	Referral

07/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96821	Web

06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98372	Referral

06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98372	Web

06/15/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	IN 46205	Referral

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10583	Web

06/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30068	Web

06/08/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 22554	Web

06/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77096	Web

05/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11518	Web

05/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75214	Referral

05/14/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	AZ 85085	Web

05/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TN 37215	Web

05/10/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94565	Web

05/07/2021	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	NY 10583	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43055	Web

04/20/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	AZ 85750	Referral

04/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32259	Web

04/16/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	PA 19342	Referral

04/15/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33141	Web

04/14/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NJ 08873	Web

04/07/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 34201	Referral

04/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98052	Referral

03/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34201	Postal mail

03/31/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	PA 15068	Referral

03/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08859	Postal mail

03/18/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32256	Phone

03/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32256	Web

03/12/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MI 48178	Phone

03/11/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	TX 77030	Web	Servicemember

03/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07746	Referral

03/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07430	Referral

03/08/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	KY 40701	Referral

03/03/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	TX 76018	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11747	Web

02/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23058	Web

02/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30047	Web	Older American, Servicemember

02/15/2021	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	TN 37221	Web

02/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92821	Web

02/01/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	TX 78731	Web

01/22/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NY 10804	Referral

01/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80433	Web

01/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22207	Referral

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34288	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34288	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34288	Web

01/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 77030	Referral

12/24/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33071	Web

12/23/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	FL 33573	Referral

12/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33018	Referral

12/20/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32222	Referral

12/19/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90049	Web	Older American

12/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 322XX	Web

11/25/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VT 05346	Referral

11/23/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OH 44107	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07501	Referral

11/19/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	OR 97009	Postal mail

11/17/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process		Referral

11/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 07501	Fax

11/04/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

10/28/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28092	Phone

10/06/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Can't stop withdrawals from your account	AL 35757	Phone	Older American, Servicemember

10/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32962	Referral

09/28/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 22554	Web

09/17/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 11106	Phone	Older American

09/10/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VT 05440	Referral

09/03/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 33912	Referral

07/30/2020	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77705	Postal mail

07/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 64116	Postal mail

06/19/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 75214	Referral	Older American

06/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07101	Postal mail

06/08/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Unable to open an account		Phone	Older American

04/24/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone	Older American

04/06/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	FL 34221	Referral

03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07712	Web

03/30/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	GA 30309	Web

03/25/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 22554	Web

03/16/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94114	Referral

01/23/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Fees charged for closing account	NJ 07030	Phone	Older American

01/21/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WA 98004	Web

01/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76018	Web

01/15/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OR 97627	Web	Older American

01/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 18360	Phone	Older American

01/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94107	Web

01/03/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95959	Web

12/24/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 92117	Referral

12/13/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77385	Referral

12/09/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CO 80207	Web

11/30/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	NY 10583	Referral

11/21/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75078	Web

11/18/2019	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	VT 05452	Web

11/14/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	NC 27960	Referral

11/07/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 92014	Referral

11/06/2019	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	CA 90077	Web

10/31/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 07036	Postal mail

10/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75214	Referral	Older American

10/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20011	Referral

10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92592	Web

10/16/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95008	Web

10/14/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95008	Web

10/04/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem accessing account	TX 75561	Phone	Older American, Servicemember

09/24/2019	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CT 06516	Web

09/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75214	Web	Older American

09/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91752	Referral

08/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 04041	Referral

08/23/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	SC 29715	Web

08/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29928	Referral

08/21/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	ME 04041	Referral

08/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08109	Web	Older American

08/16/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	FL 32771	Web

08/14/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 20165	Web

08/05/2019	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	OH 43016	Referral

07/31/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07306	Web

07/24/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PA 19446	Referral

07/23/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80220	Postal mail

07/17/2019	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 71129	Referral

07/11/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31131	Referral

07/01/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32224	Web

06/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	SC 29063	Referral

05/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91746	Referral

05/27/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	MO 64506	Web

05/22/2019	Yes	Checking or savings account Checking account	Incorrect information on your report Information is missing that should be on the report	CA 94604	Phone

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	CA 94604	Phone

05/14/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	VA 22031	Web

04/22/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	NY 11234	Referral

04/01/2019	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	IL 60657	Referral

03/27/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11566	Referral

03/24/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78260	Web

03/21/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NY 11566	Referral

03/14/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	FL 33076	Referral

03/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 96031	Referral

02/28/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with fees or penalties	NJ 08234	Referral

02/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07111	Postal mail

02/20/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors		Referral

02/12/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PA 17320	Referral

02/06/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 95405	Web

02/05/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 94558	Web

01/29/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	DC 20012	Referral

01/25/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32931	Referral

01/15/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12533	Referral

12/29/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28205	Web

12/27/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	FL 33761	Web

12/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

12/11/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	CA 96031	Postal mail

11/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30338	Phone

11/13/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	FL 34109	Referral

11/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75010	Referral

11/01/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NY 11706	Referral

10/25/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94941	Web

10/17/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NY 11520	Referral

10/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

10/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33616	Web

10/11/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 10304	Web

09/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77079	Referral

09/24/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	CA 90274	Referral

08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60425	Web

08/27/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 33483	Referral

08/21/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 94112	Referral

08/10/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	CA 93023	Referral

08/08/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32258	Postal mail

08/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11236	Web

07/20/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07306	Referral

07/08/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 32641	Referral

06/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34117	Postal mail

06/14/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	AL 36567	Web

05/17/2018	Yes	Checking or savings account Savings account	Closing an account Can't close your account	AL 36567	Web

05/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48314	Phone

05/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91746	Postal mail

05/09/2018	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	CA 90403	Web

05/07/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report	PR 00617	Referral

05/04/2018	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	TN 38107	Referral

05/03/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00617	Web

05/01/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 08406	Referral

04/27/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	NV 89108	Phone

04/26/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92626	Web

04/23/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33635	Web

04/23/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CO 80113	Referral

04/17/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10598	Referral

04/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48436	Referral

04/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MI 48436	Web

04/11/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33018	Referral

04/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30319	Referral

04/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30319	Referral

04/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30319	Referral

04/07/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	FL 33425	Referral

04/06/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	ME 04474	Phone

04/06/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PA 19027	Referral

04/05/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	NY 10467	Referral	Servicemember

04/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 76015	Referral

04/03/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NY 11385	Web	Older American

03/23/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	KS 66049	Referral

03/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28209	Web

03/12/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	WA 98001	Referral

02/28/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10028	Referral

02/28/2018	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	TN 37355	Referral

02/27/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90650	Web

02/16/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	NY 10467	Referral	Servicemember

02/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08648	Referral

02/15/2018	Yes	Mortgage FHA mortgage	Incorrect information on your report		Phone

02/10/2018	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	TX 76087	Web

01/31/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85339	Web

01/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	OH 43615	Referral

01/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90650	Web

01/18/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 20874	Web

01/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WY 82009	Referral

01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43571	Web

01/05/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NM 87181	Referral

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30080	Web

12/28/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80015	Web

12/26/2017	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	TX 77433	Web

12/19/2017	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80015	Web

12/18/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	AL 35613	Web

12/18/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MS 38654	Referral

12/15/2017	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Didn't receive terms that were advertised	CA 90266	Referral

12/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75771	Referral

12/13/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08690	Web	Servicemember

12/11/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 34786	Referral

12/07/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 33062	Referral

12/07/2017	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	CA 90241	Web

11/27/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	ND 58545	Referral

11/16/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33321	Phone

11/07/2017	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	XXXXX	Web

10/27/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 105XX	Web

10/26/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MA 01129	Web

10/24/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08638	Referral

10/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 16823	Web

10/20/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32224	Referral

10/19/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08022	Web

10/14/2017	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92651	Web

10/12/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NJ 07111	Postal mail

10/05/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60653	Web

09/22/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78730	Referral

08/19/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90740	Web	Older American, Servicemember

08/09/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WI 53534	Web

07/18/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33785	Web	Servicemember

07/12/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30904	Postal mail

07/06/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	ME 04041	Referral

07/06/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	ME 04041	Referral

05/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	VT 05477	Referral

05/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01602	Web

05/09/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33598	Referral

05/05/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	GA 30319	Postal mail

05/04/2017	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NH 03051	Phone

05/02/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30319	Referral

05/01/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30319	Referral

04/26/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94939	Web

04/21/2017	Yes	Other financial service Credit repair	Disclosures	FL 32218	Phone	Older American

04/20/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	GA 30067	Referral

04/18/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	RI 02915	Web

04/10/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 22943	Referral

03/29/2017	Yes	Mortgage Other mortgage	Other	SC 29036	Referral

03/28/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90660	Referral

03/24/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94502	Fax	Older American

03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28209	Web

03/21/2017	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	NE 68108	Phone	Servicemember

03/03/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60071	Referral

03/01/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60071	Referral

03/01/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60071	Referral

03/01/2017	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	CA 90036	Web

02/23/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

02/23/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75010	Web

02/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 919XX	Web

02/23/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33256	Postal mail

02/23/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11727	Referral

02/22/2017	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 33782	Referral

02/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60071	Web

02/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NH 03104	Phone	Older American

02/16/2017	Yes	Mortgage Other mortgage	Other	NY 11003	Postal mail

02/14/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MI 49047	Referral

02/07/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	WI 54113	Web

02/07/2017	Yes	Mortgage FHA mortgage	Settlement process and costs	NY 12054	Web

01/31/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32256	Phone

01/19/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08077	Referral

01/17/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32218	Phone	Older American

01/13/2017	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	WA 98391	Referral

01/11/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA 95110	Web

01/10/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78733	Referral

01/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11375	Web

01/04/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07111	Postal mail

01/03/2017	No	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32218	Phone	Older American

12/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DE 19709	Web

12/28/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 94939	Web	Older American

12/27/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95117	Referral

12/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33021	Web

12/24/2016	No	Mortgage FHA mortgage	Application, originator, mortgage broker	CO 80226	Web

12/15/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 81082	Web

12/07/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CA 90031	Web

12/06/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 91406	Referral

12/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 45248	Phone

12/01/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19426	Web

11/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98155	Referral

11/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 10577	Referral

11/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20650	Referral

11/17/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34109	Referral

11/16/2016	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	FL 33305	Referral

11/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11570	Referral

11/09/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 78418	Referral	Servicemember

11/09/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 78418	Referral	Servicemember

11/08/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 93465	Postal mail

11/02/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	NH 33928	Referral

10/29/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	NJ 08691	Web	Older American

10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33021	Web

10/28/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07087	Referral

10/25/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95945	Web

10/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10302	Referral

10/18/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	DC 20019	Web

10/05/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	VA 22124	Phone	Older American, Servicemember

10/04/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80246	Web

09/27/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY XXXXX	Referral	Older American

09/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11375	Web

09/22/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IN 46226	Referral

09/22/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95945	Web

09/20/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32256	Web

09/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80246	Web

09/16/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OR 97526	Referral

09/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NV 89509	Referral

09/12/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32256	Web

09/09/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 100XX	Web

09/08/2016	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	NY 11219	Web

09/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11375	Web

09/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48180	Referral

08/26/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30005	Referral

08/26/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 33330	Referral

08/26/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30127	Web

08/23/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	IL 61821	Postal mail

08/16/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30062	Referral

08/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77069	Referral

08/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 483XX	Web

08/10/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32259	Referral

08/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46112	Web

08/01/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	LA 70068	Fax

07/26/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33917	Postal mail

07/22/2016	No	Mortgage Home equity loan or line of credit	Settlement process and costs	TX 75077	Web

07/13/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32771	Referral

07/12/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32771	Referral

07/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11365	Referral

07/04/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78613	Web

06/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45014	Referral

06/27/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20155	Referral

06/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	VA 22101	Web

06/22/2016	Yes	Mortgage Other mortgage	Other	GA 30319	Postal mail

06/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47025	Phone	Older American

06/17/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MN 55117	Referral

06/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20155	Referral

06/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90660	Referral

06/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89113	Referral

05/26/2016	Yes	Mortgage Reverse mortgage	Settlement process and costs	NY 10573	Web	Older American

05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78504	Phone

05/23/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11375	Web

05/22/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 54703	Web

05/16/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	IL 60521	Referral

05/12/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10310	Web

05/12/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	WI 54956	Web

05/11/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	IL 60521	Postal mail

05/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AZ 85122	Web

05/06/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75032	Postal mail	Older American, Servicemember

05/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76244	Referral

05/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 20155	Referral

05/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92336	Referral

04/27/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VT 05452	Referral

04/21/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 78746	Web

04/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75224	Postal mail	Servicemember

04/19/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 18709	Postal mail

04/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 100XX	Web

04/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91344	Referral	Older American

04/11/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	DC 20003	Phone

04/08/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 77092	Fax

04/08/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77092	Referral

04/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91344	Referral	Older American

04/04/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37601	Referral

04/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91342	Referral	Older American

04/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60103	Web

04/01/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30023	Referral

04/01/2016	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60188	Web

03/31/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 37865	Web	Older American

03/30/2016	No	Mortgage Other mortgage	Application, originator, mortgage broker	NC 27705	Postal mail

03/24/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 22192	Web	Older American

03/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08330	Referral

03/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06877	Referral

03/21/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92078	Referral

03/16/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 10302	Referral

03/11/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	VA 22033	Web

03/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60191	Referral

03/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60191	Referral

02/25/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	VA 22030	Referral

02/24/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AL 36078	Web

02/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 12428	Postal mail

02/18/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11375	Web

02/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10302	Referral

02/16/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11743	Web

02/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11520	Referral

02/02/2016	Yes	Mortgage VA mortgage	Credit decision / Underwriting	GA 31313	Web

01/25/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	MA 02631	Referral

01/21/2016	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	VA 23058	Web

01/21/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 33146	Referral

01/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19027	Referral

12/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30117	Referral

12/16/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10302	Referral

12/16/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10302	Referral

12/12/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33467	Web

12/07/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 10302	Referral

12/03/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27591	Referral

12/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89410	Referral

11/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80132	Referral

10/29/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07103	Referral

10/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DC 20037	Referral

10/28/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11212	Referral

10/26/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 94109	Referral

10/23/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75081	Web

10/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27591	Referral

10/07/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MI 48180	Phone

10/06/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OH 44314	Referral

09/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92018	Referral

09/25/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17050	Web

09/11/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30096	Web

09/10/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30096	Web

09/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17603	Web

09/08/2015	Yes	Mortgage Other mortgage	Other	NY 10302	Referral

09/08/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11433	Postal mail

09/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91214	Referral

09/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91214	Web

08/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11212	Referral

08/27/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OH 45140	Referral

08/27/2015	Yes	Mortgage Other mortgage	Other	GA 30349	Referral

08/19/2015	No	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	NY 11413	Web

08/18/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 93011	Fax

08/14/2015	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OH 44120	Referral

08/13/2015	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33180	Web

08/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	OH 44120	Phone	Servicemember

07/20/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30019	Phone	Servicemember

07/15/2015	Yes	Mortgage Other mortgage	Settlement process and costs	OR 97301	Referral

07/06/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11215	Referral	Older American

06/29/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 91316	Referral

06/26/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78230	Postal mail	Older American

06/23/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	MA 01002	Web

06/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97504	Web

06/12/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	DC 20011	Referral

06/02/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11432	Referral

05/29/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 10567	Referral

05/29/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	DC 20011	Web

05/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	WI 54487	Referral

05/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30013	Web

05/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

05/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34205	Phone

05/13/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 34135	Referral

05/11/2015	Yes	Mortgage Other mortgage	Other	MI 48197	Referral

05/06/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92011	Web

05/05/2015	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 07017	Web

04/28/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	LA 70068	Web	Servicemember

04/27/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91401	Referral

04/23/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NY 10550	Referral

04/22/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	PA 18472	Web

04/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60175	Web

04/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10583	Web

04/10/2015	Yes	Mortgage Other mortgage	Settlement process and costs	NJ 07003	Web

04/09/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30321	Web

04/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91101	Web

03/26/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48185	Web	Older American

03/25/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 21234	Referral

03/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30096	Web

03/21/2015	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	MD 21207	Web

03/18/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98070	Referral

03/16/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	NY 11413	Web

02/25/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33408	Web

02/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 62872	Web

02/18/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	AR 72712	Web

02/13/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 60614	Web

02/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92040	Web

02/05/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 75082	Phone

01/29/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97457	Web

01/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92127	Web

01/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32221	Referral

01/26/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	SC 29607	Referral

01/23/2015	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CA 90047	Web

01/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91304	Web

01/22/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 76104	Referral

01/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07305	Web

01/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90601	Web

01/20/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MD 21619	Web

01/17/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33414	Web

01/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 76039	Web

01/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	GA 30066	Web

12/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97301	Web	Servicemember

12/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06489	Referral

12/15/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	DC 20024	Web

12/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19103	Web

12/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85251	Web

12/03/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TX 79924	Web

11/27/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 96734	Web

11/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 42240	Referral

11/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30650	Referral

11/21/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CO 80521	Web

11/19/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32940	Web

11/11/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93065	Web

11/08/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45405	Postal mail

11/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29204	Web

11/06/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	GA 30062	Referral

11/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 15531	Web

11/01/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 32219	Web

10/28/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IN 47025	Web

10/27/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Credit decision / Underwriting	TX 75094	Web

10/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75035	Web

10/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08534	Web

10/09/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33133	Web

10/04/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	MA 01821	Web

10/01/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92078	Referral

09/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30344	Web

09/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20910	Web

09/18/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32812	Referral

09/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97211	Web

09/16/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 32708	Web

09/12/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30519	Referral

09/05/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 95928	Web

09/04/2014	Yes	Mortgage VA mortgage	Credit decision / Underwriting	OH 45506	Web	Servicemember

09/03/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure		Phone

09/01/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	CA 92592	Web

08/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IA 50073	Postal mail

08/11/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07068	Postal mail

08/10/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 94303	Web

08/08/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19401	Referral

08/07/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91355	Referral

08/06/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KS 67217	Web	Older American

07/31/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	TX 77346	Phone

07/31/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 44106	Fax

07/30/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92346	Web

07/30/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34104	Referral

07/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10566	Web

07/28/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30519	Web

07/28/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95966	Referral

07/23/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	IL 60538	Referral

07/22/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30066	Referral

07/17/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02338	Web

07/17/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34102	Referral

07/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32605	Referral

07/16/2014	Yes	Mortgage Other mortgage	Credit decision / Underwriting	VA 20124	Referral

07/14/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 45414	Referral

07/09/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 75119	Phone

07/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33032	Web

07/07/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	SC 29666	Web

07/02/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NC 27613	Postal mail

07/01/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07052	Referral

06/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46205	Web

06/27/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92392	Referral

06/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	HI 96740	Web

06/26/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	DC 20037	Referral

06/26/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30043	Referral

06/25/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 06018	Web

06/24/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32765	Referral

06/23/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34654	Referral

06/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32209	Web

06/20/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OR 97338	Web

06/19/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PA 18109	Web

06/19/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	GA 30088	Web

06/19/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33472	Web

06/19/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30577	Web

06/18/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95632	Web

06/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 81416	Web

06/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77072	Web

06/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21244	Phone	Older American

06/10/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97024	Referral

06/09/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77354	Web

06/06/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94552	Web

06/06/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MN 55113	Web	Older American

06/06/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 07041	Web

06/04/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30093	Postal mail

06/04/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63031	Referral	Servicemember

06/04/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48327	Referral	Servicemember

05/30/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	CA 92154	Web

05/30/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	MI 48371	Web

05/30/2014	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	TX 75227	Web

05/28/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91941	Referral

05/28/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92585	Referral

05/23/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VT 05452	Web

05/22/2014	Yes	Mortgage Other mortgage	Settlement process and costs	OH 44425	Web

05/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30236	Referral

05/20/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 63122	Web

05/15/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IA 50211	Referral

05/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VI 00850	Phone	Servicemember

05/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32206	Web

05/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 18472	Web

05/15/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NE 68132	Web

05/15/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 63126	Web	Older American

05/14/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97523	Referral

05/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ID 83651	Referral

05/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92078	Referral

05/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33325	Referral

05/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20850	Web

05/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32224	Web

05/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06492	Web

05/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WI 53218	Web

05/13/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 78249	Postal mail

05/08/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	FL 33325	Web

05/08/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08804	Referral

05/08/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IA 51104	Referral

05/05/2014	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	GA 31313	Web	Servicemember

05/02/2014	Yes	Mortgage Other mortgage	Settlement process and costs	GA 31322	Web

05/02/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 42455	Referral

05/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NH 03104	Phone

05/01/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 11710	Web

04/30/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	GA 31904	Web	Servicemember

04/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30127	Phone

04/28/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	FL 34102	Web

04/25/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35217	Web

04/24/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30034	Referral

04/23/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AZ 85713	Web

04/22/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94555	Web

04/21/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AL 35208	Web

04/21/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	MD 21202	Web

04/21/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	AZ 85041	Postal mail

04/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30024	Referral

04/20/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	KS 67217	Web	Older American

04/18/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 92649	Web

04/18/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	VA 24121	Web

04/18/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	TN 38053	Web

04/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 18042	Web

04/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30013	Referral

04/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28461	Web

04/16/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 49548	Referral

04/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	RI 02806	Referral

04/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30340	Fax

04/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93065	Web

04/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93291	Referral

04/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89706	Web

04/09/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	CA 92027	Web	Servicemember

04/09/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92626	Web

04/08/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60803	Phone	Older American, Servicemember

04/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 21214	Web

04/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08857	Phone

04/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90209	Referral

04/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11520	Referral

04/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63146	Referral

04/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 77018	Web

04/01/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 78734	Web

04/01/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 44113	Web

03/31/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30288	Web

03/31/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98366	Referral

03/31/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 44223	Phone	Older American

03/27/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 33983	Web

03/27/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 10470	Referral

03/24/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98208	Phone

03/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MA 02368	Phone

03/24/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	AZ 85718	Web

03/20/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28443	Web

03/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92078	Referral

03/20/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 15214	Phone

03/19/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92056	Phone	Older American

03/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07047	Web

03/17/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48655	Fax

03/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Web

03/12/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95422	Referral

03/12/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07044	Postal mail	Older American

03/12/2014	Yes	Mortgage Other mortgage	Other	CA 95945	Referral

03/07/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92590	Web

03/05/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 07419	Web

03/03/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	VA 23111	Web

02/28/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 20912	Web

02/27/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	WA 98033	Web

02/26/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	SC 29681	Web

02/26/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TN 37713	Phone

02/25/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33064	Web

02/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98115	Phone

02/22/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	IL 60073	Web	Servicemember

02/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98908	Postal mail

02/22/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 07045	Referral

02/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98626	Postal mail

02/21/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OK 73068	Phone	Older American, Servicemember

02/21/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75503	Referral

02/20/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30238	Web

02/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

02/19/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 90815	Web

02/19/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30238	Web

02/14/2014	Yes	Mortgage Other mortgage	Credit decision / Underwriting	AR 72040	Web

02/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60643	Web

02/12/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	ME 04068	Referral

02/11/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92108	Referral

02/11/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30318	Web

02/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23116	Web

02/07/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NV 89441	Web

02/07/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	SC 29334	Web

02/03/2014	Yes	Credit card	Rewards	CA 94618	Web	Older American

02/03/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	HI 96740	Web

02/03/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33126	Web

01/30/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CT 06850	Web

01/29/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55407	Web

01/22/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 32635	Web

01/22/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31569	Web

01/22/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97058	Referral

01/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32312	Web	Older American

01/17/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30345	Web	Older American

01/17/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KS 66221	Referral

01/15/2014	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	IN 46517	Web

01/15/2014	Yes	Credit reporting	Incorrect information on credit report Account status	OK 74344	Web	Older American

01/14/2014	Yes	Credit card	Rewards	MA 01526	Web

01/14/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98087	Web	Servicemember

01/13/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 02649	Web

01/09/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90066	Referral

01/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91203	Web

01/08/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32207	Web

01/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NH 03104	Phone

01/03/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 32246	Web

01/02/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 75212	Postal mail	Older American

01/01/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32327	Referral

12/31/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92590	Web

12/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	AL 35080	Web

12/24/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95610	Referral

12/17/2013	Yes	Mortgage Other mortgage	Other	GA 30340	Referral

12/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34758	Web

12/17/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92108	Web

12/16/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	KY 41015	Phone

12/14/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98632	Web

12/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92019	Phone

12/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07066	Phone	Older American

12/12/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OH 44307	Phone	Older American

12/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48322	Referral

12/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 78251	Phone

12/08/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	IL 60073	Web	Servicemember

12/07/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VA 24326	Web	Older American

12/06/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07860	Fax

12/04/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	TX 75052	Web

12/03/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02721	Web

11/27/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90247	Referral

11/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32605	Phone

11/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

11/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 95304	Web

11/22/2013	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MI 48911	Referral

11/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

11/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32792	Referral	Servicemember

11/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07094	Web	Older American

11/18/2013	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt		Referral

11/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33595	Web

11/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30296	Referral

11/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VA 23058	Web

11/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11727	Referral

11/04/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 76542	Web

11/04/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 28650	Web	Older American

11/03/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 07030	Web

11/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90250	Referral

10/31/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33594	Web

10/28/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 28205	Web

10/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MA 02021	Referral

10/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76262	Referral

10/24/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 48066	Web

10/24/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08053	Web

10/23/2013	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	FL 32792	Web	Servicemember

10/22/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30013	Referral

10/18/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TN 37211	Phone

10/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60617	Web

10/15/2013	Yes	Mortgage Other mortgage	Credit decision / Underwriting	FL 33139	Referral

10/15/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	TN 37934	Referral

10/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 76244	Postal mail

10/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27217	Web

10/11/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NY 14895	Referral

10/09/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CT 06415	Referral

10/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27127	Web	Older American

10/08/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95973	Web

10/07/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 95128	Web

10/07/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32641	Web

10/04/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WI 54494	Web

10/03/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06608	Web

10/03/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MD 20708	Web

10/02/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20706	Postal mail	Servicemember

10/02/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92688	Postal mail

09/30/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98663	Web

09/24/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 33331	Phone	Older American, Servicemember

09/23/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 31419	Phone

09/16/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	IL 60073	Web	Servicemember

09/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VT 05482	Referral

09/13/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46544	Web

09/10/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 78727	Phone

09/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OR 97051	Phone

09/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08053	Phone	Older American

09/09/2013	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	NJ 08527	Phone	Older American, Servicemember

09/07/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NJ 08736	Web

09/05/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	MA 02715	Phone

09/02/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28173	Web	Servicemember

08/28/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	SC 29631	Postal mail

08/28/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92392	Web

08/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

08/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 29585	Web

08/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19609	Web

08/23/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	SC 29566	Phone

08/23/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08758	Referral

08/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 64708	Web

08/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75230	Web

08/15/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	VA 23234	Web

08/15/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92336	Web

08/15/2013	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	OK 73505	Web	Servicemember

08/15/2013	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	MO 63132	Postal mail

08/14/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	WA 98075	Referral

08/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92336	Referral

08/12/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60135	Web

08/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91724	Referral

08/10/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 34997	Web

08/09/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 93906	Referral

08/09/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	UT 84074	Web

08/05/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CO 80120	Web

08/02/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92084	Referral

08/02/2013	No	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

08/01/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TN 38002	Web

07/30/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37217	Web

07/30/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 39215	Web

07/19/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	MI 48178	Web

07/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90250	Referral

07/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90010	Referral

07/16/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	RI 02882	Web

07/16/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89145	Referral

07/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91607	Fax

07/15/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48220	Web	Older American

07/12/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06604	Web

07/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30038	Referral

07/08/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 32083	Referral

07/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CO 80723	Phone	Older American

07/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	WA 98908	Web

07/07/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 15132	Web	Older American

07/06/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00617	Postal mail

07/05/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77220	Web

07/05/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NY 10312	Phone	Older American

07/03/2013	Yes	Mortgage VA mortgage	Application, originator, mortgage broker	MO 64138	Web

07/02/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30711	Referral

07/01/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VT 05845	Phone

06/28/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	GA 31907	Web	Servicemember

06/28/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34119	Postal mail

06/28/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	GA 30281	Web

06/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	KY 40222	Web	Older American

06/25/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	LA 70065	Web

06/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30034	Web

06/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11784	Referral

06/20/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	NC 27406	Web

06/19/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CO 80439	Web

06/19/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IN 46815	Web

06/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75248	Phone

06/17/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 21117	Referral

06/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

06/12/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OR 97317	Web

06/12/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 94601	Web

06/10/2013	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 31907	Referral

06/08/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VA 23435	Web

06/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27529	Referral

06/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Referral

06/07/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08104	Phone	Servicemember

06/06/2013	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30228	Referral	Servicemember

06/06/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30157	Web

06/05/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30214	Web

06/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33022	Referral

06/02/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	LA 70515	Web

05/31/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37355	Referral

05/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84095	Web

05/24/2013	Yes	Mortgage Other mortgage	Other	NJ 07024	Referral

05/23/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 43105	Referral

05/22/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MI 48021	Phone	Older American, Servicemember

05/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97601	Referral

05/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48219	Referral

05/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MA 01610	Web

05/14/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	FL 33040	Web

05/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92626	Web

05/09/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	LA 70470	Referral

05/09/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48111	Referral

05/08/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MI 48642	Referral

05/08/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	FL 33431	Web

05/06/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93612	Referral

05/03/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	TX 77573	Referral

05/03/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92503	Phone	Older American, Servicemember

05/03/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 78250	Web

04/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 35208	Referral

04/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30309	Referral

04/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28016	Referral

04/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	LA 70515	Referral

04/26/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 44077	Phone

04/26/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90805	Referral

04/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28215	Fax

04/24/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NJ 07017	Web

04/24/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35404	Phone

04/24/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VT 05701	Referral

04/23/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 74104	Web

04/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 12065	Web	Older American

04/20/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 07920	Web

04/19/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	FL 33703	Web

04/19/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55110	Referral

04/18/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20874	Referral

04/17/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19609	Web

04/17/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 93011	Fax

04/16/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	MD 21228	Web

04/16/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85739	Postal mail

04/15/2013	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 79763	Fax	Servicemember

04/15/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 79415	Web	Older American

04/14/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46237	Web

04/10/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32128	Phone

04/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92025	Web

04/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 49008	Web

04/06/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	MD 20650	Web	Older American

04/05/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46356	Phone	Older American, Servicemember

04/01/2013	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	TX 78612	Web	Servicemember

03/28/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30127	Referral

03/28/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08731	Referral

03/27/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27524	Web

03/27/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 49331	Postal mail

03/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97601	Referral

03/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	ID 83402	Referral

03/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48197	Referral

03/25/2013	Yes	Mortgage Other mortgage	Other	GA 30022	Referral

03/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97055	Referral

03/18/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33328	Web

03/15/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	AR 72212	Phone

03/14/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TX 79416	Referral

03/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax	Servicemember

03/11/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91604	Web

03/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CO 80234	Referral

03/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AL 35215	Web

03/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	OH 43202	Phone	Older American

03/08/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32765	Referral

03/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08015	Referral

03/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30038	Referral

03/05/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	PA 17011	Web

03/01/2013	Yes	Mortgage FHA mortgage	Settlement process and costs	LA 70471	Web

02/25/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 91730	Referral	Older American

02/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75154	Web

02/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

02/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95304	Postal mail

02/21/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	DC 20037	Web

02/20/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20720	Fax

02/20/2013	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	MI 48382	Fax	Servicemember

02/20/2013	Yes	Mortgage Second mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

02/19/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 22193	Fax

02/16/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	AL 35803	Web

02/15/2013	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98290	Referral

02/15/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60171	Postal mail

02/13/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	KY 41017	Referral

02/12/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	WA 98233	Web	Older American, Servicemember

02/09/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28304	Web

02/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85715	Referral

02/08/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60171	Referral

02/08/2013	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	WA 98418	Web

02/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95124	Referral

02/06/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 60532	Web

02/06/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11518	Postal mail

02/06/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94158	Web

02/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

02/05/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VA 22079	Web

02/03/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98685	Web

01/31/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32209	Referral

01/29/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30907	Web

01/29/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NE 68116	Referral

01/29/2013	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NJ 08840	Web

01/25/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IL 61244	Web

01/24/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MO 64118	Web

01/24/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31792	Referral

01/23/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 07205	Web

01/22/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30311	Web

01/22/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MO 64086	Web

01/22/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 28027	Referral

01/21/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11746	Web

01/16/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06109	Referral

01/15/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93265	Referral

01/15/2013	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	SC 29063	Referral	Servicemember

01/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07450	Referral

01/12/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07646	Referral

01/11/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32724	Referral	Older American

01/10/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 55410	Referral

01/09/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 94913	Referral

01/09/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CO 80917	Web

01/09/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 95827	Web

01/08/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30058	Web

01/07/2013	Yes	Mortgage Other mortgage	Settlement process and costs	UT 84770	Web	Older American

01/07/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85145	Web

01/05/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	OR 97203	Web

01/04/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77707	Phone	Servicemember

01/01/2013	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	OH 44333	Web

12/31/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33015	Referral

12/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 17603	Web

12/24/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30281	Referral

12/21/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98038	Referral

12/21/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	CA 91320	Referral

12/20/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 76087	Web

12/18/2012	Yes	Mortgage Other mortgage	Credit decision / Underwriting	FL 33067	Referral

12/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MN 55123	Postal mail

12/17/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CO 80246	Web

12/14/2012	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CT 06489	Web

12/12/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MI 49249	Web

11/28/2012	Yes	Mortgage Other mortgage	Settlement process and costs	CT 06416	Web

11/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48382	Fax

11/21/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	IL 61107	Web

11/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48033	Referral

11/19/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48033	Referral

11/16/2012	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33498	Web

11/15/2012	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48911	Referral

11/14/2012	No	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TN 37206	Web

11/08/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91411	Referral

11/07/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48089	Referral

11/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27545	Referral

10/29/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30047	Referral

10/27/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06279	Postal mail

10/25/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	GA 30281	Web	Servicemember

10/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95655	Phone

10/19/2012	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34288	Referral

10/19/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Web

10/17/2012	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	MI 48504	Referral

10/15/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30319	Web

10/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37214	Referral

10/11/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07302	Web

10/10/2012	No	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	UT 84070	Web

10/09/2012	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95928	Web

10/08/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 95307	Web

10/05/2012	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32708	Referral

10/01/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 94102	Web

09/27/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VA 22027	Referral

09/26/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32716	Postal mail

09/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 34771	Referral

09/21/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	AZ 85365	Web	Servicemember

09/21/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	AZ 85014	Referral

09/21/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MO 64011	Web

09/20/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 47660	Web

09/19/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 08109	Web	Servicemember

09/16/2012	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	TN 37363	Web

09/07/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	AR 72204	Web

09/07/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30094	Web

09/06/2012	Yes	Mortgage Other mortgage	Other	NY 11230	Postal mail

09/04/2012	Yes	Mortgage Other mortgage	Other	FL 32206	Referral

08/31/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	NY 11218	Web

08/29/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AR 72756	Web

08/29/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34102	Referral

08/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 13069	Referral

08/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 36605	Referral

08/28/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VT 05733	Web

08/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PA 19124	Web

08/27/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32210	Web

08/27/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92536	Web

08/22/2012	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	GA 30047	Phone

08/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94583	Referral

08/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20866	Referral

08/17/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37073	Referral

08/14/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20777	Referral

08/14/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76067	Web

08/13/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	FL 32210	Web	Older American

08/07/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 92647	Web

08/07/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 34113	Referral

08/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92506	Referral

08/06/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30253	Web

08/05/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	TX 77357	Web

08/03/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	UT 84119	Web

08/02/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 45833	Web

08/02/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11731	Referral

08/02/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11434	Referral

07/31/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30008	Web

07/30/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28352	Referral

07/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MI 48103	Referral

07/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33178	Referral

07/24/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	IL 60527	Web

07/23/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19075	Phone

07/18/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30075	Postal mail

07/18/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NE 68959	Referral

07/11/2012	No	Mortgage Other mortgage	Application, originator, mortgage broker	PA 19015	Referral

07/08/2012	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TN 38016	Web

07/07/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95819	Web

07/03/2012	No	Bank account or service Checking account	Deposits and withdrawals	MO 63012	Referral

07/01/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OH 45424	Web

06/26/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MO 64030	Web

06/22/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OH 45005	Web

06/22/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75052	Phone

06/21/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OH 45011	Referral

06/18/2012	Yes	Mortgage Other mortgage	Credit decision / Underwriting	CA 96080	Web	Older American

06/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NY 11590	Postal mail

06/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30274	Referral

06/09/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	AZ 85022	Web

06/08/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30015	Referral

06/08/2012	Yes	Mortgage Conventional fixed mortgage	Other	FL 33071	Postal mail

06/04/2012	Yes	Mortgage Other mortgage	Other	FL 33071	Postal mail

06/01/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92337	Web

05/31/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08807	Referral

05/30/2012	Yes	Mortgage Other mortgage	Credit decision / Underwriting	ME 04614	Referral

05/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30019	Referral

05/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 07470	Referral

05/22/2012	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	GA 30135	Phone	Older American

05/18/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95822	Referral

05/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33401	Referral

05/18/2012	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	FL 33993	Referral

05/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30168	Postal mail

05/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95628	Referral

05/17/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NY 11570	Referral

05/16/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 38362	Phone

05/10/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	IL 60103	Web

05/10/2012	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	MS 39211	Referral

05/09/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	VT 05363	Web

05/08/2012	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	WA 98418	Web

05/03/2012	Yes	Mortgage FHA mortgage	Other	GA 30078	Referral

05/03/2012	Yes	Mortgage Other mortgage	Other	GA 30078	Referral

05/02/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93551	Postal mail

05/02/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PA 19063	Web

05/01/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 32250	Web

04/30/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MN 55803	Referral

04/26/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 19132	Referral

04/26/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33919	Referral

04/25/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 07626	Referral

04/19/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20871	Referral

04/19/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92201	Referral

04/18/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	TN 37129	Referral

04/17/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 34652	Phone

04/12/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33015	Phone

04/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30294	Referral

04/10/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31792	Web

04/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33138	Referral

04/03/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 33319	Phone

04/02/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92129	Referral

03/27/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	KY 42455	Web

03/27/2012	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	IA 51545	Web

03/26/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30083	Web

03/22/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93265	Postal mail

03/20/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32092	Referral

03/20/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NE 68135	Web

03/15/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85139	Web

03/06/2012	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	ME 04030	Phone

03/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11422	Web

03/01/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ME 04030	Referral

02/29/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85374	Referral

02/28/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85385	Web

02/24/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 36116	Referral

02/10/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11710	Referral

02/08/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	FL 32206	Phone	Older American

02/08/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30345	Web

02/07/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OH 45403	Referral

02/06/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32219	Referral

02/06/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AL 35126	Referral	Servicemember

02/03/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22304	Web

02/01/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 32203	Referral

01/31/2012	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	CO 80304	Web

01/30/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 31569	Web

01/26/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OK 73505	Web	Servicemember

01/25/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30189	Referral

01/19/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	SC 29732	Web

01/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NJ 08527	Web

01/17/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98177	Web

01/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MO 65559	Web

01/03/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CT 06810	Phone

01/01/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98177	Web

12/23/2011	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30004	Web

12/12/2011	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	TX 76543	Web

12/12/2011	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	WV 26070	Web

12/12/2011	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91764	Web

12/08/2011	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 91101	Web

12/01/2011	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VT 05602	Phone