| 08/02/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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My letter to the board of WSFS and their retained counsel:
Representatives at XXXX, XXXX, XXXX and WSFS representatives:
Thank you for taking the time to read the information enclosed below regarding the ongoing issues and pending legal action against WSFS.
Most of you are aware of the previous correspondence sent by myself to the board regarding issues stemming from allegations of discrimination in conjunction with several other improprieties. That correspondence was met with initial concern from your Chief Legal Officer who guaranteed an investigation into the matter.
XXXX XXXX then reviewed the matter, decided to cancel the relationship, and call in a line of credit to be immediately satisfied in full of $XXXX which was paid entirely. In the following weeks, XXXX XXXX, a collection specialist, was given the account, and instructed me I could only make payment by paper check. Three attempts have been made to satisfy loan payments by check, two of three not cashed, all check numbers available if needed. I find it auspicious that I still was unable to make payment electronically. As of today, payment will be dropped off, in person, at your corporate office, with a video made, so as to make sure there is no confusion.
As a result of the missed payments, which I would like to point out that in 11 years, the only missed payments ever recorded was during this situation. XXXX XXXX, sent a pdf of a letter accelerating all loans to be satisfied in 15 days for over $XXXX XXXX. It was sent to XXXX which was an email created for the sole purpose of emailing attorneys regarding my case and never furnished to WSFS or XXXX XXXX.
Its imperative that this board, and anyone reading this, comprehends what is taking place in the present, and what will take place in the future. On XXXX XXXXXXXX XXXX, in response to the actions that took place by WSFS, and before I addressed the board on XXXX, I sent a detailed outline to a reporter from the XXXX XXXX XXXX that I have cultivated an association with over the years.
The next part is important, so pay attention. In that outline, I stated the actions that would take place, the likely response by the bank, and the likely outcome of the situation. The individual has been receiving the communications and the videos I have shared, the ones I will share in this letter, and he has the ones that I still have yet to release. This person has been watching the situation unfold with the strong anticipation.
XXXX XXXX sent the acceleration demand to an email that was only structured for the purpose of emailing attorneys, an email that he and WSFS were never furnished. I instructed the board of my intention of emailing attorneys, I just didnt say when. Time passing and my prevailing patience hasnt changed the course of action. The first push of connections was 274 attorneys. Some of which may or may not have been emailed to known attorneys that have a conflict of interest, where it may or may not have been assumed it would reach your counsel in one way or another, which it did as he sent it to the email provided only to those attorneys.
The email sent to these attorneys, as Im sure youre aware, is a quick outline of the case, with attached videos. The first video is the one sent in my original letter to the board, the second is a video of the 211 emails I sent during my time where there was alleged discrimination, my claims of discrimination outlined in time stamped emails, and my feelings surrounding those inflammatory acts. This video shows XXXX XXXX did not do a thorough investigation, did not review emails on the servers, and clearly didnt review the ones from prior to XXXX. I anticipated this, along with the actions that would be taken by the bank, and the recommendations of their counsel.
The SEC was given the information under submission number XXXX and the State of Delaware Investor Protection Unit also was furnished the information you have seen and still have yet to see.
The Securities and Exchange Act of 1934 is a serious matter, along with the Federal Civil Rights Act of 1964, and breach of the obligation to provide correct information is considered a serious matter. There is a procedural duty to provide correct information. Whether your investors believe that they were injured will be entirely up to them, and as I stated before, I have never traded the stock of WSFS, nor will I.
I believe theres a substantial likelihood that reasonable investors would consider this disclosure, especially during that time and space in this country, significant not only for the stock, but also in regards to a merger. Most investors will rely on the integrity of the price set by the market, and this is only achieved with accurate information. Releasing information so incomplete as to mislead investors, employees, and the public is negligent and reckless. Employees have the right, just like investors, to have information available to them to know if the culture of the workplace matches their moral compass. A court, or person, can never set the bar too low for a standard of materiality, and the information I have provided and accusations I have made would be considered information that can alter the total mix of information made available.
Antitrust laws have been violated, and the FTC always conducts comprehensive merger reviews and their opinion surrounding a multi year, documented claim of discrimination over hundreds of emails, text messages, voice conversations, supersedes whether this board, or its counsel, believes that any wrongdoing has committed. In total, there were over 34 laws and regulations broken. Of the attorneys that were contacted some were investor class action attorneys. I have been sent engagement letters by several notable attorneys and have yet to decide who I will move forward with.
WSFS will be forced to provide basic-level information and will need to be forthcoming. While XXXX XXXX thought it to be acceptable to overlook such a pressing matter and give it the proper due diligence, she left your company wide open for lawsuits for things beyond the scope of what she may have perceived she was dealing with.
The Department of Justice and its actions have also been calculated into my series of events, along with inquiries coming from both national and state agencies. While your counsel may provide you comfort in what his defenses can and would be, then I would give notion that you still arent understanding the gravity of the situation you are in. Now that I have validated credibility in my claims through the many attorneys that have wished to engage the matter, now is the time for the press to be made aware of the claims, the videos, and the like, that has been shared so far.
Im not going to review in this email all the precedence surrounding this states legislature, as that is the job of your counsel where he will bill you accordingly for said work. The main objective of counsel appears to have been from defending you against me, but they failed in defending you from yourself. Your sole focus was on intimidation tactics surrounding my accounts and my treatment, but left you exposed in areas surrounding my case and others. Dont let them tell you otherwise, and if they do, or even posture towards more defense, then I would suggest you find new counsel. Their job is to make you aware of your liabilities in all forms, not be narrow minded and leave you exposed, which they did.
Your merger with XXXX XXXX correlates timelines of my XXXX complaints, and your merger with XXXX XXXX and XXXX XXXX XXXX (XXXX XXXX) timelines also provide motives around suppressing discrimination claims despite hundreds of emails, videos, and verbal complaints. The holdings of these companies, their investments, and the claims presented leaves liability in ways that only the highest level of financial analyst can explain to you. Your business combination disclosures have been reviewed in their entirety, along with all matters pertaining to your XXXX activity. Manipulating information surrounding claims of discrimination, disregarding federal regulation surrounding it, and your lack of disclosures to investors provides enough burden of proof to bring action.
I was a gentleman the first communication and in how these matters have been handled. I gave the bank sufficient time to try and remedy the situation on their own, and then decided to use an attorney who I trust and attempted to mediate a remedy despite it not being their field of expertise. Did I anticipate that XXXX XXXX would know XXXX XXXX field of expertise, think it to be leverage, and his office would take their course of action? Maybemaybe not. Ill leave that to you to decide.
I appreciate everything XXXX did in helping in the situation, she is a true friend and good person. When XXXX XXXX approached her and attempted to convince her to offer me to sign away my legal rights in order to not accelerate loans payments, she immediately indicated that she understood something was wrong and that it wasnt her area of expertise and strongly advised me to find a bank law specialist and to pursue action. She provided recommendations, which was appreciated, but I had anticipated this action, not quite in this manner, and had already taken precautions.
As XXXX XXXX, his firm, and this bank are so keen on accelerated deadlines then I propose my own. Your bullying tactics and requiring payment in 15 days surrounding $XXXX XXXX in loans was received, and in return I will extend the olive branch for your second go round, much like the first, however, this is the last, as the stakes are significantly higher now, and the equilibrium moment of decision making is actually upon this board and the company.
I speak for myself, as Ive always maintained, and will provide the board a settlement offer. All I have ever wanted is to be treated like all other customers. My original offer still stands, WSFS can terminate XXXX XXXX and XXXX XXXX, pay no money, admit no wrong doing, and I will continue to pay loans as specified, as I have always done, never missing a payment for 11 years.
The second option is an immediate resolution and settlement of $XXXX XXXX. The balance to be paid after satisfying all outstanding loans. That will result in immediate termination of all communication with prospective attorneys, waive my rights to a class action lawsuit and any information leading to class action, and I will no longer comply with any government agencies that I am presently working with in relation to this matter. All complaints will be rescinded, and WSFS and all entities I control and own will never have dealings again.
If this settlement is rejected, then I will be moving forward with a $XXXX XXXX lawsuit, provide full cooperation to any government entities necessary, and will begin my second wave of emails to attorneys seeking counsel, and any news outlets that can help put me in touch with the appropriate counsel.
I warned this board against using probability modeling in handling this case. Attached is the blanket email sent to attorneys that I am seeking counsel from. My researchers have every licensed attorney in the state of Delaware and will continue looking out to more firms, in surrounding states, to at the least educate them on a potential class action lawsuit, but also for my own suit.
The deadline put in place for my loan acceleration applies for your settlement offer. If you choose to decline the offer, then I respect that decision, and I believe this will be a strong legal battle that will be a good case overall.
It would be unfair for me to not make you aware that I have reached out to the Attorney General for the XXXX XXXX, of which I belong, based in Oklahoma, and have requested the assistance of the Office of the Attorney General, and all pro bono legal assistance the tribe can offer in the state of Delaware and through other XXXX around the nation who would be interested in assisting.
After this meeting, no settlement offers will be accepted, offered, or countered. I will not allow this lending institution to take the legal stance of wanting to wait, see, and then offer a deal. My culture and disposition in life wont allow it. Never was about money, I stated that from the beginning. If you feel your bank didnt violate any laws, then the incompetence of your employees will be on full display for the world to see when questioned in the matter.
Whether you believe you did anything wrong or not is not for you to decide. This bank took a perfect customer, who grew profits every year, revenues every year, never missed a payment, has flawless credit, great financial stability, and the bank chose to redline him into lower loan packages, keep him suppressed in small business far past revenues pushed past $XXXX XXXX annually, and discriminated against him while he made formal complaints for years just to help branch managers get better bonus structures. Then when vocalizing these complaints to the board, his credit lines were called in, all banking terminated, and then standard loan packages called in.
XXXX XXXX requested the statements for the closed account of #XXXX from XXXX, and has still not furnished them along with the check viewer images that the CPA needs, much as he didnt furnish them the two months I asked for them. The blatant disrespect and mistreatment has been on full display, and when it goes in front of the world, we will let them decide for themselves. I hope hes not going to say its not true, like everything else, when my attorney requested them in addition.
I look forward to your response, however, I have already anticipated it, and like a great play, we will enter the third and final act. However, there are twists in this one that you just dont suspect. You played your hand, a little early I might add, and now its my turn, and like a patient investor, I will see the rewards of my patience.
Attached: Letter to Attorneys.
Hi XXXX, this is XXXX XXXX, Delaware's largest XXXX XXXX, and Delaware's most successful entrepreneur under 40. For three years, I made time stamped email and text complaints surrounding my treatment as a WSFS customer and the discriminatory nature the bank was drifting in. I have attached the XXXX video link for the XXXX meeting between myself and two WSFS including XXXX XXXX. The second XXXX link reviews the details of the emails exchanged surrounding my claims to several key executives and their blatant attempt to quiet me. There are 211 separate email events that are all documented and verified. These are the emails on the server since XXXX. Prior to XXXX there are more emails that are even worse that I can make sure to include after engagements have taken place. As a high net worth individual, money is not, and has not been my motivator. People who encounter me understand immediately that I am a person of discipline and principle. I give people in life every opportunity to help themselves before I choose any action and move forward. When I do move forward it's with full force. I cautioned the bank of using probability modeling surrounding my treatment and their handling of the information they possessed. My personal belief is that most who watch the video are immediately aware clearly of egregious acts that were committed by bad faith actors who infiltrated this once great bank's executive suite and treated it much like the executives at XXXX XXXX. The actions of the bank to pursue the laws of probability and "breakage" and "slippage" means that money is something they value most, more than a person's rights, leading me to the notion that damages should be pursued, and not a small amount, but rather a ground breaking amount. Now that we've determined monetary gain wasn't my main motivator then let's talk about why I am doing this. I have single handedly raised my son, XXXX XXXX, to be XXXX XXXX XXXX in history to receive D1 and ivy league scholarships, and he committed to being the youngest student in XXXX XXXX History at the age of XXXX. Attached is his video of scholarship offers so you know this to be true, along with my XXXX profile so you can verify me as well. I am building XXXX XXXX XXXX, working alongside the State of Maryland and the state of Delaware, all in addition to my businesses. I would be doing my son a grave disservice by allowing him to see a company treat us in this way and not be held accountable. With that said, I will pay a PREMIUM to the standard attorney compensation awarded for damages. Review the tapes, let me know your thoughts, and let's move forward immediately.The allegations of my discrimination came at a time that WSFS was also completing a merger and not a single person can explain why matters surrounding claims of discrimination never went beyond the branch the one person who oversees it. I believe that shareholders deserve to know exactly what was happening at this bank during that period and their investors have the right to question executive management and their motives surrounding this. There's a lot at play here, and their pressure has been mounting as I have still repeatedly increased my pressure seeking answers surrounding their behavior. Now it's time to bring in a professional who does this for a living and while I am very successful in my areas of life, it's best to adopt a model of deferring to others in a situation such as this one.I am very eager to get to work, so let's begin with a phone call as early as tomorrow. My assistant found your information, so I figured I'd reach out directly.
Your future client,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX WSFS Bank Board Members Executive Management XXXX XXXX XXXX XXXX, DE XXXX Good afternoon to all this may concern, WSFS : XXXX XXXX Board Members Investors, Security, Media This letter is to request an open external and internal full and complete investigation into a horror series of unfortunate events as I attempted to handle a banking transaction as a customer/depositor while at one of the WSFS branches XXXX Delaware, the afternoon of XX/XX/XXXX. Ironically while starting this letter I was contacted this afternoon, by Mr. XXXX XXXX Assistant Vice President of Voice & Customer Service Program.
As a customer/Consumer/ depositor acquired by WSFS from XXXXXXXX XXXX New Jersey . Additionally as a human being I should have had to experience the horrific events that took place against me on Wednesday afternoon on XX/XX/XXXX, event of which were in absolute gross violation of my Civil Rights, Consumer Rights , Bank Regulatory Rights and basic Human Rights and not limited only to those.
I will detail chronologically the details as follows : I arrived at the WSFS Branch early afternoon XX/XX/XXXX, I needed a bank check for {$1200.00}, I would withdraw the funds from my savings account, as I entered the branch the personal banker a young XXXX female with XXXX framed eyeglasses greeted me as I entered, I had a very rough and stressful day, I expressed to her as I approached her work station how refreshing her friendly greeting was, I also expressed that it was great to see such diversity in the branch, I expressed other branches I did not find such diversity. I told the personal banker per her name tag XXXX I needed a bank check and gave the amount, she asked my name which I gave to her, she stated she did not see my name on her computer and asked if I am sure I have an account with WSFS Bank, I gave her my license which is current updated with my full name address and my photo. After I presented this she still stated she was ot able to locate my accounts, she then requested I entered my social security number on the black key pad, for each entry she informed she was unable to locate my account, I entered my social security number five times, on the fifth try she informed she located my account I felt XXXX was having some issues with working her software system.
XXXX was staring at the screen making what I thought were strange faces, she then asked me what the last 10 transactions are on my account, my response was I have no idea I had already told her how bad my day was and how I had endured high levels of stress regarding serious concerns regarding XXXX discrimination. I noticed her name tag did not match the business cards in front of her when she noticed I noticed the name did not match she told me she is the Assistant Branch Manager, and that she is using the work station of the personal banker whos business cards that were on display at the work station. I informed XXXX again I did not remember the last ten transactions. XXXX asked me to give her the amount of the direct deposit into the account and to name where it was from, after I provided this information XXXX smirked laughed, and continued to stare at the screen looking up and down. At this point I was confused, not understanding why this one simple transaction was taking what I felt was an unreasonable time to process. I was under a time dead line< I asked XXXX to return my drivers license, she responded NO when I done, I politely informed her I prefer not to handle this transaction, I said I will make a withdrawal with my debit card. XXXX still refused to return my drivers license. I then requested to see the Branch Manager with adverse contrary resistance and what I viewed as an oppositional tone XXXX went to the back taking my drivers license with her. After I waited patiently in the lobby for the branch manager I inquired with another personal banker as to what the delay was, and I asked for her to please check, a few moments later a older lady white with shoulder length blonde Name Tag XXXX ) curled hair storms out from behind the personal bankers work station, waving her hands at me saying in a rough aggressive tone, I will deal with you when I am done she turned around and left back behind where she stormed out from. I was left waiting in the lobby area again. I saw a XXXX older man in a conference room, wearing a white shirt I asked him if he would please provide me with a telephone number to WSFS corporate, he told me he did not work in the personal banker side he said I overheard a little of what is going on I am happy to find out what is going on for you. By this time I felt it best to get the XXXX Police involved so I called from my cell phone and the call was on speaker the man had summons me into the conference room and was going to close the door until he heard I was on the phone with the police he then said oh come back after your call, I told him that is ok I can still handle my call, at that time another call came in while I was leaving a message for the Police Official. The personal Identified as XXXX from WSFS Security, my phone was still on speaker as he started to ask private data questions I exited the bank from the side door into the parking lot area to speak privately, I noticed behind me was XXXX waving her hands screaming for me not to talk on my phone on her private property she stated I was causing a disturbance to her other customers ( I was the only customer there at this time ) I again asked her to return my personal property ( My drivers license I felt was now being held hostage. XXXX stated I will return it when you calm down sit down and behave again she waved her hands at me, towards my face. I was traumatized by her blatant disrespect and her tone of white privileged entitlement that I was less than human and of no absolute value on earth. I felt if she could I would be strung up a tree and lynched as if I was in back wood Alabama or Mississippi. I knew the actions displayed by XXXX were based on severe XXXX discrimination. Additionally, the grossly disgusting treatment was of XXXX profiling, harassment, abuse of power, violations of my civil rights as a human being which does not dismiss the unprofessionalism and violation of bank policy, missions and ethical standards of WSFS Bank.
Towards the finalization XXXX lied and said she was waiting to hear from Bank Security before she could return my private property ( my Driver License ) little di she know I was on the call with XXXX the entire duration of this event, and XXXX told me he directed XXXX to return my license to me at least a good 20/30 minutes prior and she chose to continue to taunt and harass me.
When I finally received my property, I left went to XXXX withdrew the funds I needed. I was charged a surcharge, which I paid.
Late on I was further offended by XXXX when I expressed this was clearly XXXX profiling, XXXX discrimination, harassment, and abuse of power. XXXX responded I am sorry you feel that way. I requested to speak with his superior who was XXXX XXXX XXXX who I felt was courteous empathic and seemed sincere. While speaking with XXXX I answered a call from a woman said her name is ( XXXX XXXX XXXX who stated she was calling from beneficial Bank security I was confused since XXXX XXXX is now closed and has been since XX/XX/XXXX. I informed her I was already on a call with XXXX I wanted to link all of us on a conference call both XXXX and XXXX said they worked in the same location, and XXXX told me he would rather not stay on this call he said goodbye and hung up. As XXXX XXXX remained on the phone with me I sensed she was not sensitive to what had occurred, the first thing XXXX said was I can see that you are upset again I was offended her tone was disconnected she appeared deceptive saying she is from XXXX XXXX, and how could she see that I am upset. What has occurred was no where near me merely being upset! I was and still am in shock traumatized. I asked XXXX Are you a XXXX XXXX at she did not answer at first. I asked the question again, she answered YES immediately after she said HELLO< HELLO I CANT HEAR YOU THEN THE CALL WAS DISCONNECTED!! yep I was victimized again she cant hear me! She never called back to apologize.
I called the customer service toll free number I spoke with an awesome representative to explain what had occurred she suggested that I contact the regional Manager in XXXX XXXX XXXX, I called Ms. XXXX left messages that were never returned.
What has occurred does not only fall into gross misconduct violation of human rights. This shouts out very loud and very clear gross hatred for individuals who are not white! And nonwhite individuals are subject to a standard of no value. I am trying to understand why the actions of all players involved felt it is right and that they are entitled to the actions they bestowed upon me! How many other human beings have been mistreated by these very same individuals and were afraid to speak up thought they needed to stay in the back of the bus! These actions are not ok! And require more than a talk or we will look into this!
I am prepared to bring this to the court of public opinion remember XXXX XXXX XXXX and XXXX. It is impossible for me to comprehend how this could happen at a place I trusted to protect my money. I am damaged beyond repair. I ask that you protect the video from that date and time of this event.
I ask that you do the right thing! And appropriate actions are taken. No human being should ever have to endure this type of abuse from anyone ever! Especially where one keeps their money for protection.
I am being harassed since expressing my concerns of horror XXXX profiling discrimination abuse of power. Yesterday I received a voice mail from someone named XXXX from WSFS Bank no detailed message, then a call from XXXX XXXX XXXX XXXX Dept of WSFS Bank the message he left was someone came into a branch trying to open an account in my name.
Yet when I called him back he asked for my date of birth over the phone, when I asked what branch he had no information, started to stutter and sounded very nervous then said he is in his car and does not have any information. My thought is when he left the voice mail at XXXX XXXX he was a wealth of information without any proof said someone was trying to open an account in my name he said he will be in his office in an hour I said I will call back, I called back XXXX XXXX XXXX XXXX told me he call me by mistake. I advised he is on a recording. The call ended. Please add gross negligence and gross harassment to this complaint.
Sincerely, XXXX XXXX
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| 12/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
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XX/XX/XXXX FROM : Home owners : XXXX XXXX, WIFE : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, Home Ph : XXXX, Fax : XXXX, Address and contact details : Wilmington Savings Fund Society , FSB XXXX as trustee of XXXX XXXX XXXX XXXX XXXX
Mortgage Servicing company : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX XXXX, Phone : XXXX, https : XXXX XXXX XXXX XXXX Attn : Mortgage Account number is XXXX.
Subject : Urgent Complaint Regarding Mortgage Fraud and Unlawful Foreclosure Proceedings. We want to pay and stay in our home but mortgage company refuses.
Dear Sir or Madam, I hope this letter finds you in good health and well-being. I am writing to bring to your attention a matter of grave concern regarding handling our mortgage account by Wilmington Savings Fund Society , F.S.B., as trustee of XXXXXXXX XXXX XXXXXXXX XXXX XXXX. My name is XXXX XXXX, and I own the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Our mortgage servicing account number is XXXX, and I am filing this complaint on behalf of my family, including my wife, XXXX, and our XXXX children, as well as my elderly mother-in-law.
First and foremost, I want to emphasize that the statements made in this letter are true and accurate, and I have attached supporting documents to validate our claims. Our ordeal began when we discovered that we were sold a negative amortization loan without our knowledge, a practice we believe to be a clear case of mortgage fraud. Despite our genuine efforts to rectify the situation, we have been met with a shocking lack of cooperation from XXXX. ] XXXX XXXX XXXX XXXX, which works at the direction of Wilmington Savings Fund Society. We have repeatedly requested a loan modification to commence regular payments, as we are committed to keeping our home. Our family, including my XXXX children and XXXX mother-in-law, has no alternative residence.
However, the response received on XX/XX/XXXX, from XXXX. XXXX XXXX was disheartening and left us in a state of distress. The message indicated a refusal to accept any payments, an intention to proceed with a modification review ( XXXX. ), and foreclosure after that. We are left with no choice but to escalate this matter due to the following circumstances : XXXX. Prior Mortgage Modification Fraud : We have been victims of mortgage modification fraud involving XXXX XXXX XXXX XXXX XXXX XXXX. Despite paying substantial sums, we were defrauded, leading to severe financial setbacks.
XXXX. Medical Issues : Both my wife and I have faced prolonged medical issues, including surgeries and physical therapy, which severely impacted our ability to work and meet financial obligations.
3. Hurricane Ida Impact : Our home suffered significant damage during Hurricane Ida, and the insurance coverage received has been inadequate, leaving us with substantial repair costs and accumulating debt.
XXXX. Unpredictable Situations and Loss of Income : I, XXXX XXXX, have experienced a significant loss of income due to the economic downturn, health conditions, car accidents, and the impact of COVID-19. Despite being an award-winning designer with 22 years of experience, the current economic climate has severely affected my business.
Considering these circumstances, we implore you to investigate this matter thoroughly and intervene to prevent unjust foreclosure proceedings. We are willing to cooperate fully in providing any additional information required for a a fair assessment of our situation.
We believe in the principles of justice and fairness and trust that you will promptly rectify this situation. Thank you for your attention to this urgent matter. We want to stay in our beloved home and start the payment. But, the mortgage company refuses to take the payment and foreclose us forcefully.
Sincerely XXXX XXXX DETAILS EXPLANATION : Complain : We have requested several times that the mortgage company give us a loan modification and want to start the payment. We love our house and want to stay in our home; we have no other place to live. We have XXXX children, and our mother-in-law, who is over XXXX XXXX XXXX, lives with us.But the Above Mortgage company wants to keep us in foreclosure action and refuses to take the payment from us. See below what they wrote on XX/XX/XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good afternoon, XXXX XXXX, XXXX works at the direction of your Lender we do not have delegated authority to make decisions regarding your loan.
We forwarded your request to your Lender, and they provided the following response : We are proceeding with an XXXX and Foreclosure thereafter. The only option the borrower has is to fully reinstate the loan. This borrower is too far behind, and we will not accept any payments. No further requests will be considered.
Your mailing address was updated, as requested.
Regards, XXXX XXXX Customer Service XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX ext. XXXX, Fax : ( XXXX ) XXXX Hours : XXXX XXXX ( PT ), XXXXXXXX XXXX PRIOR YEARS # XXXX. MORTGAGE MODIFICATION FRAUD : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX, Owner : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I paid over $ XXXX to them to work with a mortgage company for several modification cases. Still, unfortunately, I was the victim of the above fraud company, and they have shut down their business, but I lost all monies.
# XXXX. MEDICAL ISSUES : Our current predicament is primarily a result of our ongoing medical issues. My wife and I have undergone surgeries and physical therapy for six months for back and neck problems, severely limiting our ability to work for several months. Consequently, we face overwhelming financial difficulties, including the imminent looming threat of home foreclosure due to the inability to make mortgage payments.
# 3. Hurricane IDA : We saved funds for the mortgage but lost our savings during Hurricane Ida. Adding to our distress, our primary home suffered substantial damage during a recent hurricane. We urgently need to undertake repairs to ensure the safety and well-being of our XXXX XXXX children, aged XXXX and XXXX years, as well as my XXXX mother, XXXX XXXX XXXX who is XXXX XXXX XXXX and battling XXXX XXXX along with XXXX XXXX XXXX complications. Besides XXXX, Loss of Income, and Loss of Business, hurricane Ida also impacted our house where we have not received payment over $ XXXX during our Full Insurance with Deluxe home Insurance with XXXX XXXX XXXX XXXX # : XXXX ; call XXXX and Flood Insurance FLOOD POLICY # XXXX, NFIP POLICY NUMBER # XXXX XXXX Given our circumstances, we have been forced to rely heavily on credit cards, accumulating a debt of over {$130000.00}, Loan {$50000.00} to cover essential home repairs, and maintaining a minimal standard of living. Regrettably, our attempts to obtain sufficient financial aid from sources such as XXXX, XXXX XXXX, and XXXX XXXX XXXX have yielded only a fraction of the necessary assistance, leaving us in an overwhelming state of pain and financial hardship that is difficult to articulate.
# XXXX. Unpredictable Situation and Loos of Income : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with many certifications & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been out of a job since XXXX. I have had a tremendous loss of income due to " COVID-19 in XXXX, health conditions, recent car accidents, " and losing everything. We are willing to get any job to save our loving house. When the economy was in better shape, my business was going well and was flourishing. Now, I barely have any jobs. I lost many jobs. You see, in the industry that I am in, my services are not a necessity to people. As mentioned, the economy is poor, and people can no longer afford luxuries such as graphic design and interior decorating. On top of this, due to the economy, many furniture manufacturers have gone bankrupt nationwide. As a XXXX XXXX my job entails much traveling, and the gas price in New York is ridiculous. It is over $ XXXX, and I must travel daily to XXXX, XXXX XXXX XXXX and New Jersey to meet with clients.
FACT # We invested XXXX XXXX over {$5.00} to {$7.00} XXXX in real estate, paying State and City Government closing costs, property taxes, and almost over {>= $1,000,000} ( {$1.00} XXXX ) to the U.S. Government, City, States ( New York, Florida, Michigan, North Carolina ) ( Enclosed. all Huds, closing documents, prior owned home titles, deed ). From XXXX till now, we lost all of our savings, bonds, and investment properties and will now lose our loving house. We build it together little by little ; our family 's heart attaches to our home. If we lose this, we don't know how we will live. We live in fear daily and wake up with a foreclosed nightmare in the morning.
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| 07/29/2023 |
Yes |
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- Trouble during payment process
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Web |
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Here is some info, I tried to end the prescription, I was denied, by the Clerks of Court, even though the law states that the re-prescription is exclusive.
2011 Louisiana LawsCivil CodeCC 3368 Cancellation of prescribed judicial mortgage Universal Citation : LA Civ Code 3368 Art. 3368. Cancellation of prescribed judicial mortgage The recorder shall cancel from his records a judicial mortgage created by the filing of a judgment of a court of this state that has been reinscribed, upon the written request of any person to which is attached a certificate from the clerk of the court rendering the judgment that no suit or motion has been filed for its revival within the time required by Article 3501 or of a certified copy of a final judgment of the court rejecting the demands of the plaintiff in a suit or motion to revive the judgment.
Acts 2005, No. 169, 1, eff. Jan. 1, 2006 ; Acts 2005, 1st Ex. Sess., No. 13, 1, eff. Nov. 29, 2005. NOTE : Acts 2005, 1st Ex. Sess., No. 13, 1, changed the effective date of Acts 2005, No. 169, to
July 1, 2006.
As quickly as I can, the assignments break the chain of title in the land records. The Chain of Custody of the title was broken. Custody of the Title actually goes from XXXX XXXX XXXX, then to XXXX XXXX XXXX quickly in XXXX, then to XXXX in XXXX, in XX/XX/XXXX goes to XXXX XXXX XXXX.
Whats recorded on land record is XXXX XXXX, then assigned to XXXX in XXXX, skipping XXXX completely, the signature on the assignment is a XXXX employee signing as VP. They actually had a system set up where employees could pay {$25.00} to be able to call themselves VP Either XXXX or anyone of the other member banks that make up the XXXX system. I have the article on this, its called robot signing, The next assignment was another {$25.00} as as Vice President of XXXX, Another Robo signer, this time the person was a notary in Florida and also a vice president of XXXX.
The time of the actual transfer of the mortgage to the Assignment of the mortgage on the land records must be with inside a 15 day time period as a XXXX XXXX time period. XXXX XXXX XXXX NEVER registered, XXXX, acquired the mortgage in XXXX from XXXX but didnt register the assignment until XXXX, outside the Safe Harbor by 4 years, the Assignment to XXXX XXXX have no Idea when it was transferred, they are required to notify me 30 days before the transfer and the servicer is required to notify me by 4 months after the transfer. The assignment was recorded in XX/XX/XXXX to XXXX, I didnt know who XXXX XXXX until I saw the Writ of Seizure on the my door. See The XXXX XXXX sent a first notice of foreclosure, which is required, right after I faxed over some amendments to the loan modification contract that they didnt agree with apparently. After that a company named ( XXXX ) started the proceedings, with no notice of foreclosure previously, furthermore, XXXX wasnt on the XXXX XXXX less mentioned on the civil proceeding document at all. I was never informed of the transfer to XXXX within 30 days of the transfer and I was not given the notice of foreclosure from the company putting me in the foreclosure. Also, after the loan modification was signed in XXXX of XXXX the modification was not recorded until XXXX, outside the 30 day required time frame. The title is curative it says so on the Assignment, how can they bring the foreclosure?
Its a Major tax matter because the XXXX XXXX rule is in place for the banks to record in a timely manner to pay the fees to the local XXXX XXXX XXXX as well as to pay local the XXXX taxes. Tax evasion, this is what the XXXX XXXX XXXX with XXXX XXXX XXXX judges vs. XXXX I mentioned, was about. To sum up the rules to Securitization of the mortgages, banks have to make XXXX successful transfers of the mortgage to put the Mortgage into the XXXX XXXX XXXX with IRS XXXX the time frame and tax filings MUST be met and filing fees as well as the TAXES paid to be in accordance with the law and in order to Securitize the loan and make literately billions off of an average {>= $1,000,000} mortgage. I have a XXXX XXXX presentation video that details this process its shows how they do a forensic mortgage audit, it explains the process and goes over some defenses to use with clients who are unaware of the elements involved in the fraud. XXXX will private label the whole thing for attorneys. This is the same issue from XXXX during the housing bubble and the XXXX scandal. This mess has forced me to take a closer look, read a lot and learn how the law works, and the history that is not talked about too much, The Banks are by law, meant to be XXXX who extend our credit from the Treasury, we pay the fees but any continuing payments to the bank is not necessary. I am the original creditor, the Mortgage contract is a, unilateral, gratuitous, unconscionable contract. There was no meeting of the minds like a in lawful contract. These hidden elements were intended to defraud me, XXXX example is the bank never put in any equity of their own like I did for the creation of this mortgage, yet they collect all the proceeds, and keeping all of My Interest over all these years. There are multiple cares act violations, they put me into regular payments, then defaulted me when I was actually on the Forbearance, I was forced to pay while in the Forbearance. The XXXX sanctioned XXXX for these Violations but they deny doing this to m, they decided to out right LIE to the XXXX in XXXX and not answer a single question with the answers to my questions. So this really makes the XXXX look real bad for covering the XXXX. The XXXX also sanctioned XXXX for a pay to pay scam that I was a victim of that also.
How can a judge even see a unregistered note in the court? Isn't it out of the jurisdiction of the public court to handle the PRIVATE instrument? The note as we know is not a promissory note and most are made to believe, yes the word promise makes it sound like there is some kind of promise, not at all. The bank cashed the NOTE. You can see on the XXXX XXXX, I have requested the following via fax more than once before they put me in foreclosure, not excluding other documents in possession, original contract, note, truth- in lending disclosures, closure disclosure, transference contract, XXXX XXXX XXXX, XXXX filings on behalf of NAH, payoff, security interest accounts in NAH, and form XXXX, XXXX, XXXX, XXXX, XXXX ; information as to the amount of debt ; consumer statement ; verification of the banks claim or ownership of the debt. a legend to symbols used, for each presentment. I know there is 3 escrow accounts, I want to see all of them. I never received a loan, it was an extension of my own credit. Banks are the intermediary for us to treasury, The fraud the Bank is perpetrating on me and my family is truly sick and criminal.
There is no note, I have testimony from a previous case don't even have the original wet in signature note is was either hypothecated and lost or just lost, separating the Note and the mortgage, nullifying the contract. The Judge should have know to have the Original wet ink signature note in hand before placing a finical instrument like a Writ of Seizure on my door. There is a Fax to the court as the cover for the order for foreclosure says here is the foreclosure documents we have the note. Which is not what the law requires. The Lawer and the judge should be aware of this. That would mean a big mess for a lot of other families that have been foreclosed on, they are all talking it out on the internet chat, Town hall meetings, even at the local grocery stores. The truth will set you free, but its look like it is just an insult to my intelligence in this case.
Your time is appreciated, Thank you, XXXX XXXX.
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| 03/12/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Consider this complaint against Wilmington savings fund society Trustee of XXXX trust owner XXXX XXXX XXXX can not be contacted by address on assignment Dated XX/XX/XXXX on assignment XXXX XXXX XXXX as XXXX of XXXX XXXX. XXXX for XXXX XXXX was revoked inactive at time, loan was administered by XXXX Owner XXXX XXXX different companies, This makes loan split between companies as XXXX solutions sold loan with document as proof dated XX/XX/XXXX This Account has been placed from XXXX XXXX XXXX Which is fraud assignment as loan can not be sold to same company twice. XXXX XXXX XXXX did not own loan in XXXX. XXXX solution continued to service loan for more than 13 months. At No point when loan disappeared XX/XX/XXXX to today has a default letter been sent. XXXX is in breach of contract as of XX/XX/XXXX as notice of sale was not sent to trustee of chapter XXXX. XXXX XXXX Placed a lien XX/XX/XXXX placing themselves as nominee of their own trust XXXX savings and fund society corrected lien on XX/XX/XXXX. As trustee of XXXX trust all failures must come from WSFS. XXXX XXXX had an inactive LLC at time of purchase, XXXX trust is not licensed XXXX in the state of Illinois WSFS is engaged in association violating 205 ILCS 635/1-3 as trustee ( 205 ILCS 635/1-3 ) ( from Ch. 17, par. 2321-3 ) Sec. 1-3. Necessity for license ; scope of Act.
( a ) No person, partnership, association, corporation or other entity shall engage in the business of brokering, funding, originating, servicing or purchasing of residential mortgage loans without first obtaining a license from the Secretary in accordance with the licensing procedure provided in this Article I and such regulations as may be promulgated by the Secretary.
Sec. 1-28. Certificate of registration ; Department of Financial and Professional Regulation. This Section applies only to a limited liability company that intends to provide, or does provide, professional services that require the individuals engaged in the profession to be licensed by the Department of Financial and Professional Regulation. A limited liability company covered by this Section shall not open, operate, or maintain an establishment for any of the purposes for which a limited liability company may be organized under this Act without obtaining a certificate of registration from the Department pursuant to the Professional Limited Liability Company Act.
XXXX XXXX transfer Allowed XXXXXXXX XXXX XXXX service loan as of XX/XX/XXXX notifying me on XXXX of XXXX. XXXXXXXX XXXX XXXX by correspondence was requested to provide a clear copy of assignment Allonge or endorsement and note loan is missing no change in assignment in MERS no documents of assignment from veripro solutions is not unreasonable. First assignment sent was a copy of countrywide lien from MERS Requesting same information from XXXX, Third response was an assignment of mortgage for XXXX XXXX and a note for my first mortgage. Raising questions of their rights to service loan. I sent letter explaining what they had sent and received a photo copy of exact same information. Tracing loan back and requesting information through CFPB document Dated XX/XX/XXXX was not included. XXXX XXXX XXXX has document now to verify fraud as they didnt own loan at time. This is the document used to sell to XXXX trust and makes sale faulty For assignment.
This is a balloon end mortgage and has been concealed from myself from XX/XX/XXXX until XX/XX/XXXX for what reason.
( 735 ILCS 5/13-215 ) ( from Ch. 110, par. 13-215 ) Sec. 13-215. Fraudulent concealment. If a person liable to an action fraudulently conceals the cause of such action from the knowledge of the person entitled thereto, the action may be commenced at any time within 5 years after the person entitled to bring the same discovers that he or she has such cause of action, and not afterwards.
Now 815 ILS 137 ( 815 ILCS 137/25 ) Sec. 25. Good faith dealings ; fraudulent or deceptive practices. A lender must act in good faith in all relations with a borrower, including but not limited to, transferring, dealing in, offering, or making a high risk home loan.
No lender shall employ fraudulent or deceptive acts or practices in the making of a high risk home loan, including deceptive marketing and sales efforts.
I have received nothing but deceit from Planet Home lending information must come from XXXX Trust as trustee after the fact and continuing during your trust, I received a copy of Note XX/XX/XXXX and questioned it authenticity as original, as of today 4 months later I have not received confirmation if document is original. I am requesting WSFS to confirm document is original and can be confirmed by Title Company as legal for refinance. Four months is way too long for verification.
Now its 10 months and I have stressed my concerns that if I refinance loan and true owner come forth I would be expected to pay. This is not good faith from any of the companies involved in this loan.
( 815 ILCS 137/153 ) Sec. 153. Reporting of violations. The Office and the Department must report to the Attorney General all violations of this Act of which they become aware.
( Source : P.A. 93-561, eff. 1-1-04. ) ( 815 ILCS 137/5 ) Sec. 5. Purpose and construction. The purpose of this Act is to protect borrowers who enter into high risk home loans from abuse that occurs in the credit marketplace when creditors and brokers are not sufficiently regulated in Illinois. This Act is to be construed as a borrower protection statute for all purposes. This Act shall be liberally construed to effectuate its purpose.
I am in the process of reporting XXXX solutions and XXXX XXXX XXXX. I will file against trust with office of AG for WSFS as trustee of violation, ( 815 ILCS 137/135 ) Sec. 135. Remedies, enforcement, and limitations of liability.
( a ) The remedies provided in t
his Act are cumulative and apply to persons or entities subject to this Act. ( b ) Any knowing violation of this Act constitutes a violation of the Consumer Fraud and Deceptive Business Practices Act.
( c ) If any provision of an agreement for a high risk home loan violates this Act, then that provision is unenforceable against the borrower.
( d ) ( 1 ) Any natural or artificial person who purchases or otherwise is assigned or subsequently holds a high risk home loan shall be subject to all affirmative claims and defenses with respect to the loan that the borrower could assert against the lender or broker of the loan, provided that this item ( d ) ( 1 ) shall not apply if the purchaser, assignee or holder demonstrates by a preponderance of the evidence that it : ( A ) has in place, at the time of the purchase, assignment or transfer of the loans, policies that expressly prohibit its purchase, acceptance of assignment or holding of any high risk home loans ; The fraudulent assignment from XXXX XXXX, Breach of contract no notice of sale to trustee in XXXX, documents sent not pertaining to loan, stalling in sending documents, Planet Home lending has still not responded to complaint CFPB date XX/XX/XXXX even after 15 day extension. I expect answer of authenticity to copy of note. First found document was found by XXXX XXXX XX/XX/XXXX by lien filed XXXX trust did not respond to correspondence at that time and can not be found for complaint from any agency, raising the legit of existence. I am requesting mediation in this matter. In Illinois a mortgage loan will default after 90 days lender will send letter of default XXXX solutions is the default cant pay a loan you cant find or receive statements on and has not been reported to agencies to find. I am requesting all documents from XX/XX/XXXX to XX/XX/XXXX should not be hard there are not many.
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| 01/04/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX I purchased a {$130.00} toy and it had my shipping address on the receipt. Well XXXX gave out our emails to each other to communicate. I looked at my receipt and it had local pickup. I contacted him and told him that there was no way to pick it up because I live in Delaware and he lives in Florida I told him that I wanted to cancel the item and get my money back. I told him the I was going to email XXXX. Well no response f to on XXXX. The owner contacted me and offered me {$65.00} dollars. I told him that I wanted the whole amount. I decided to XXXX XXXX number. I called and they said this is XXXX customer service. How can I help you. I repeated the story and he said his name was XXXX. He even said that he would give me an extra {$50.00} dollars for my inconvenience. He asked me for the order number but I had to refresh my email. Then he said do you have the card the you paid with.I gave him the number to get my refund. He said that he made a mistake and he had to get his manager to correct it. We got disconnected by he called right back on a different number. He apologized and said that he will put his manager on the phone. He address himself as XXXX XXXX. He said that he could take care of it just give him a minute. It took longer then a minute so I decided to call my back and told her to freeze it because it seemed to take to long to get my credit back. I asked her if she would listen to what he had to say. She her him mention the word Bitcoin. She said to hang up so I did. She told me to stop by a branch tomorrow to get a new account. I called the police and they had Officer XXXX XXXX reach out to me. I told her everything and she said it appeared your phone was hacked. She gave me a case number XXXX to give to the bank. I called the bank after speaking with the officer and XXXX from the bank was very nice. I was so upset at the moment, I asked could my son speak on my behalf until I could speak. She told me that it appears the only 1 of the 5 transactions went through. She said that {$450.00} went on XXXX which is partners with WSFS Bank. She said they cant dispute XXXX but they could investigate it. The other 4 were rejected. She said she would set up an appointment with XXXX XXXX at the XXXX XXXX Branch.
XX/XX/XXXX I went into the branch to meet XXXX XXXX and he had my statement on his deck from XX/XX/XXXX through XX/XX/XXXX. I was there to open a new account. He also said that I was lucky that only 1 transaction went through. He said I should receive the money back in my account in 7 to 10 business days. He said that XXXX may be hard to get back. I told XXXX that I wanted someone to speak to from fraud. I also had to get my phone wiped clean before they would let me bank online. XX/XX/XXXX I called XXXX and spoke to XXXX and told him want happened. He gave me a website that wipes it clean and saves your pictures. I printed out a paper that said it was completed. On XX/XX/XXXX and he said that he spoke XXXX from efraud security and she will be calling me. Well I missed a call XXXX XXXX. She left an email that I could barely hear .I called back a few hours later and had to leave a message. XX/XX/XXXX I called and was told to leave a message for Ms.XXXX. It seemed like no one wanted to speak to me. I tried to reach the CEO of the bank by email which didnt go through so I cc Customer Service. I received an email reply from customer Service to call them. I called and explained the story again to XXXX. She said that she would try to reach a manager. She said that she would email her. I wanted to XX/XX/XXXX and called back customer service and I spoke with XXXX and she did get her manager on the phone. Her name was XXXX and she said that she couldnt help me I asked her for the fraud department and they said they didnt know how to reach them.I called on the XXXX and XXXX was the one who answered with an attitude because she knew it was me. She put me on hold for 10 minutes and with an attitude said that they were going to escalate it up to fraud and hung up on me.she said it could take 29 business days. I even asked for XXXX phone numbers d I was told no. Since I wasnt getting anywhere with the bank, I emailed XXXX and spoke with XXXX and told her the whole story and asked was there anything there company could do. She gave me a Ref : # XXXX and said to have the Officer call there company. I called XXXX XXXX Police and left a message with another officer. I didnt get a return call. On XX/XX/XXXX I called back WSFS bank and spoke to a XXXX and she said it was denied by the Federal Reserved. I contacted XXXX he said who ever told me that information didnt tell the truth. They told me to file a complaint with the XXXX and CFPB. I also contacted XXXX XXXX from channel 3. I really hope that it doesnt have to come to legal counselling.I feel that I have no way to go higher in this bank. I have been with this bank a long time and I am hoping that the bank makes good and returns the money. On XXXX XXXX I sent an email to the FDIC and showed me samples of writing a letter to the bank and said that the bank will do anything not to gibberish you your money back. They even told a few stories of this stuff happening and the people got their money back.I sent an email to XXXX on XXXX. They asked me questions and I answered them and I got sorry this happened to you and the email was disconnected. On XX/XX/XXXX I wrote an email to the banks customer service because they wouldnt call me back. I put everyones name of who I spoke to from day one. Also told them what companies that I notified of what they were doing. The FDIC gave me a case # to XXXX. I will send any attachments that any company needs. I called XXXX on XX/XX/XXXX. and told them that I never authorized transactions and pretty much they cut me off again. On XX/XX/XXXX I reached out to XXXX XXXX from channel 3 and he replied that he would be out of town until XX/XX/XXXX and will read his emails when he arrives back to his office. On XX/XX/XXXX I decided to call XXXX back because that is where it all started. I spoke to XXXX and he told me that he XXXX the XXXX number and you wouldnt think it was fraud. He said that they had trouble with fraud in XXXX and XXXX from phone fraud. I told him that if that company knew this they should of put it public. I blame them to because if the product was shipped to my home like it said it was I wouldnt of had to reach out to anyone. He said that is true. So he hashed me what did I want him to do. I told him to get my money back. He said that he is sending the report to their law enforcement in XXXX and if I would have Officer XXXX email their law enforcement. I called and the officer is out of town until XX/XX/XXXX. On XX/XX/XXXX I found an email from XXXX XXXX. I believe she was from fraud. She helped me with a product they I never received with was {$4.00} dollars but I explained the whole story again and asked if she could help me out or at least get back to me. So far I havent heard back. I will upload some information. Also. I hope you can reach higher with the back.
Thank You, XXXX XXXX
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| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First complaint : In XXXX, my Mortgage originated and was serviced by XXXX XXXX XXXX XXXX in XXXX, NJ XXXX. They eventually became XXXX XXXX headquartered in XXXX, Pa. I have never missed a monthly mortgage payment but I do pay towards the end of the month and I'm aware I receive late fees. I TRANSFER money from XXXX checking account to my XXXX XXXX through online banking. That being said, when my mortgage isn't paid by the due date and/ or grace period I will receive collection calls, which is not an issue either. My issue is that I received a missed call from XXXX XXXX, who now has become WSFS Bank & XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. The voice mail, which I have in the following text : " My name is XXXX XXXX I'm calling again from XXXX XXXX. Please give me a call back today XX/XX/XXXX at XXXX. '' Not but a few hours later on XX/XX/XXXX, I log into my checking account with XXXX/WSFS I see that {$580.00} was withdrawn from my checking account and applied to my monthly mortgage payment. The bank comments read " CUSTOMER AUTHORIZED ''. I NEVER authorized anyone to withdraw this money. On any date. I've never paid my mortgage with a representative in the past 17 years.
I wait until the following day XX/XX/XXXX, and contact XXXX and XXXX answers the phone so I ask can I speak to a supervisor. She puts the supervisor on the phone named XXXX ( wouldn't give me his last name ). I start explaining to him what happened and he asks me some identity questions etc. I tell him I'm filing a complaint with the OCC, CFPB and Attorney Generals office. He keeps saying my name wrong and I am trying to tell him my name and he just kept talking over me then when I yell for him to stop he calls me " hostile ''. From there it escalates between him and I and he NEVER stops talking over me the ENTIRE time. I asked to speak to his boss, I asked to speak to the executive office or Office of the President, service excellence and he said he doesn't have one there that will talk to me, I ask for his last name he refuses, I ask to get transferred he refuses, I CUSS, I tell him I'm going to contact a board memenber but he hangs up.
I then call the customer service line, a girl answers the phone " XXXX XXXX '', I said is this customer serivce or collections ( XXXX is from collections and I didn't want to talk to anyone in his department, I needed to speak to someone who isn't biased '' ) she responds with " XXXX XXXX '' I say, yes but are you collections or customer service? she hangs up on me. So that leads me to not calling but I'll go to social media, I log onto XXXX and find XXXX and begin chatting with who knows but here is the chat XXXX XXXX XXXX people like this including XXXX XXXX and 11 friends Financial Service THU XXXX XXXX XXXX I have a question. Can you help?
XXXX XXXX Good afternoon XXXX, we would be happy to help. What can we assist you with today?
XXXX someone in your collections department took it upon themselves to withdraw {$580.00} from my checking and applied it to my mortgage account without my consent.
XXXX XXXX Okay. Let us look into this for you and we will be in touch as soon as we can. Is there a phone number to best reach you in the event that our Customer Contact Team would need to give you a call?
XXXX I called and asked to speak to a supervisor and the most ignorant disrespectful collection supervisor who hung up on me. I just called back and no got hung up on again I'm filing a XXXX complaint OCC/ CFPB and attorney general complaint. then a police report I'm not talking to anyone but your executive team.
I'm going into the branch that I opened my account and my mortgage with as well.
XXXX XXXX XXXX Hello XXXX XXXX Thank you for this information. We will pass this along to the appropriate Associate in management.
XXXX You just said someone is calling me when 2xs I've been hung up on today When is someone calling me This just great. I can't even get you to answer me.
Your bank STEALS from me then tells me TOO BAD By ignoring and hanging up on me. Thank God I know your board member XXXX XXXX XXXX, we have passed along your information and concerns to our Customer Contact Team and Collections Team. They will look into this for you and be in touch once they've determined a resolution.
XXXX That's not what I asked for. I asked to speak to someone in your executive office since you employee a thief.
I don't want to speak to XXXX again. I want to speak with someone who is going to take this seriously.
At XXXX XXXX I received a vm : my name is XXXX XXXX I'm calling again from XXXX XXXX. Please give me a call back today XX/XX/XXXX at XXXX. And all of a sudden she processes a payment without even speaking to me?????
Let me add yesterday XX/XX/XXXX the voicemail came in. What time was the transaction made?
Seen by XXXX XXXX at Thursday XXXX You sent feedback to XXXX XXXX .
It's Friday XX/XX/XXXX AND Not ONE phone phone call from XXXX.
My 2nd issue which has been with XXXX for a while now is that whenever I do call about my morrtgage they tell me I can only speak to one person, for some reason I think her name is XXXX. Who never calls back and last time I had to go into the branch and ask them to have someone call me. Last time I spoke with her was regarding that I do not receive monthly billing statements and they are not available online either. The online system is not a loan portal it's online banking so it's limited and frankly antiquated.
3rd Complaint : I made a mortgage payment XX/XX/XXXX for {$560.00} ( before my escrow analysis payment change ). Then on XX/XX/XXXX there were 3 payment corrections. I want to know if my mortgage was reported to the XXXX as late, if so I want this correction done immediately.
Although it was not authorized, I do not want you to remove the payment of {$580.00} applied to my monthly mortgage payment on XX/XX/XXXX. If you do there's a chance you will report me delinquent if my payment isn't transferred by XX/XX/XXXX.
As a consumer and working in the XXXX Servicing business for over 15 years, I'm beyond disappointed in where XXXX has taken it's brand/bank.
You get what you pay for and that appears to be how my mortgage is being handled and it makes me concerned. If you're processing payments through, XXXX, XXXX or whatever system it's more than one step you have to do to make that payment. And the treatment I received by a Supervisor, whos calls are probably not being recorded but should be is just beyond my understanding. It appears you're not training your employees properly. They didn't even flinch when I said I was filing these complaints, they could have cared even less. So that leads me to believe the compliance piece is missing and you will have a lot more complaints and lawsuits.
I do expect a call from an resolution anayst, your OOP, or whatever you call it there.
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| 08/03/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is related to another one, filed by my husband, XXXX XXXX ( Complaint No. XXXX ). I had to file this complaint due to a certain correspondence received from XXXX XXXX XXXX XXXX XXXX ( XXXX ), arguing that it is not authorized to discuss any issues of " my loan '' with XXXX XXXX.
Since XXXX up to date, Ive been the victim of fraud, forgery, deceptive acts, and unlawful acts perpetrated by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), Christiana Trust , a division of Wilmington Savings Funds Society , not in its individual capacity but as Trustee of XXXX XXXX XXXX ( Christiana Trust ), and XXXX XXXX XXXX ( XXXX ) ; lately XXXX looks to have been added to the scheme.
There is clear and convincing evidence that Ive been the victim of a conspiracy in the nature of a corrupt racketeering enterprise ( XXXX ), and white-collar crime formed by the association of these corporations ( hereinafter the " ENTERPRISE '' ).
On XX/XX/XXXX, my husband and I bought the real property located at XXXX XXXX XXXX XXXX FL XXXX ( the Subject Property ).
A certain mortgage ( hereinafter the Mortgage ) was registered in XXXX County Public Records, book XXXX, Page XXXX, purposely encumbering the Subject Property. On XX/XX/XXXX, we filed a declaratory judgment complaint in XXXX County Court, under case number XXXX, seeking to declare the Mortgage void, null, and unenforceable ; attorney XXXX XXXX from Florida was representing us. On XX/XX/XXXX, the state court entered Final Default Judgment in our favor ; however, a few days later Christiana Trust appealed the decision and filed a motion ( CT-Motion ) to vacate the final judgment. The motion attached a copy of certain affidavit executed by a XXXX employee, asserting that I had executed the Mortgage and a certain promissory note described therein. The XXXX affidavit annexed a copy of the purported promissory note ( the XXXX Note ) and a copy of the Mortgage. Copy of the CT-Motion and XXXX Note, as well as of the Mortgage, can be found in XXXX County, Florida case No. XXXX.
Attorney XXXX believed XXXX and Christiana Trusts representations and consequently advised us to dismiss the declaratory action, arguing that it would cost us much more money to continue answering the appeal and the state courts action. We could not continue paying for more legal fees. We did not have any other option than dismissing the declaratory judgment complaint, against our will.
This is the unfortunate fact that allowed XXXX and Christiana Trust walk away from a court of Florida with an unlawful debt against myself and the Subject Property : The XXXX Note is a false, counterfeit promissory note, not signed by me, nor I authorized anyone to sign it on my behalf. My initials and signature were forged therein, a very bad forgery, by the way ( See attached Exhibit 1 ). Copy of the forged note can be found in XXXX County case No. XXXX.
After such unfortunate date, XXXX, Christiana Trust, and XXXX have done several attempts to collect money from me and take the Subject Property, including a foreclosure complaint, filed in XXXX County, Florida, under Case No. XXXX, causing us substantial harm, a huge amount of money in litigation, travel, business loss, etc. The harmful effects of such concerted action continue.
Here are some facts that should be considered : ( 1 ) XXXX was under the investigation of this agency for its unfair and deceptive practices ; see this agency File No. No. XXXX. This agency entered a consent order on XX/XX/XXXX.
( 2 ) XXXX was also under investigation for its unfair and deceptive practices ; see File No. XXXX. This agency settled the case, according to a consent order entered on XX/XX/XXXX.
Pursuant to both consent orders, these organizations and any assignee, successor in interest, etc. had to dismiss any foreclosure action of a loan containing false and misleading information. That did not happen here : XXXX and XXXX used a strategy to scape this agencys consent orders in a flagrant obstruction of justice : ( 1 ) On XX/XX/XXXX ( in the middle of this agency investigation and just after XXXX settlement ), the loan was transferred to XXXX XXXX XXXX XXXX, National Association as Legal Title Trustee for XXXX XXXX XXXX Title Trust ( XXXX XXXX ) ( See Exhibit 2 ). So, XXXX will not stop accepting fraudulent " loan '' despite the fact it had entered the agreement with this agency.
( 2 ) As part of the strategy, XXXX continued handling the foreclosure action for almost a year.
( 3 ) After knowing that we had discovered the forgery on the XXXX Note ( See Exhibit 3, an affidavit sent to XXXX and Christiana Trust 's attorneys in XX/XX/XXXX, see also Exhibit " 4 '' copies of cashed checks from my checking account in XXXX XXXX, ending in XXXX ), in XX/XX/XXXX, XXXX filed an amended complaint, admitting the possibility of the forgery, however attempting to get a vendors subrogation lien. The new strategy caused us substantial harm in legal fees and others.
This agency should review the settlements entered with these organizations for possible violations, putting the public at large on risk of irreparable harm.
Apparently XXXX has encountered some difficulties to continue with its attempt to get the referenced subrogation lien ( as it would not be able to establish standing with a forged promissory note ) and the ENTERPRISE has moved to a new strategy : Lately, I received a letter sent from XXXX XXXX XXXX XXXX XXXX ( see attached Exhibit 5 ), in which XXXX argues that it had received the assignment/transfer of the loan package. As happened before, there is a good cause to believe that this is part of a new scheme of the ENTERPRISE that might cause us more damages, unless XXXX and its successors in interest are stopped.
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| 01/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I had hired an attorney to pursue litigation to fight the foreclosure and erroneous sale of my home. My Son-in-Law XXXX XXXX had arranged for the Mortgage through XXXX XXXX back in XXXX XXXX I was and unemployed XXXX living with my XXXX husband who had advanced XXXX XXXX. I had not worked for approximately eighteen years and was living on my husbands Social Security and Pension ; however, XXXX XXXX offered me a loan so that my daughter and her Husband could purchase the property at XXXX XXXX XXXX, XXXX XXXX NY XXXX Again, I reiterate my Son-in-Law XXXX XXXX, and XXXX XXXX, XXXX XXXX ( Attorney for Purchase of XXXX ) had me take the mortgage at 99 % and XXXX XXXX and my Daughter XXXX XXXX 1 % XXXX XXXX XXXX XXXX Mortgage. In addition, XXXX and myself were both unemployed. XXXX XXXX had XXXX XXXX, XXXX. place XXXX and XXXX as 48 % each on the Deed and I would be 2 % on the Deed.
XXXX XXXX was aware of this fraudulent mortgage and pushed it through as part of XXXX XXXX nationwide mortgage fraud. XXXX XXXX XXXX XXXX XXXX, XXXX NY aggressively pursued this mortgage in connection with XXXX XXXX regardless of whether I had funds in the bank, no Income Tax Return since my husband had retired XXXX years prior to XXXX. My husband and I literally had approximately {$1500.00}. in our savings account and {$350.00}. In our checking account when the mortgage was approved. My Daughter XXXX at that time was unemployed as well and had two children ages XXXX and XXXX year old. In XX/XX/XXXX XXXX was a XXXX XXXX, and XXXX XXXX was the only employed individual party that would be responsible for paying the mortgage on this one-family dwelling.
XXXX agreed that he would pay the {$4300.00}. Mortgage monthly and he did until XX/XX/XXXX when he abandoned XXXX and their XXXX children to go live in XXXX with his Mistress. XXXX took all their cash from the childrens college accounts and checking/savings accounts. XXXX was forced to go on Food Stamps and scrounged for months until she received emergency child support from NYS Family Court ( XXXX ) in XX/XX/XXXX. After being unemployed for over two years and being sole caretaker of her three children XXXX was not viable and could not find employment so she freelanced when possible.
*Bottom line, there was NO income, NO assets, NO stocks, NO JOB - yet the mortgage was approved by XXXX XXXX XXXX XXXX, this is mortgage fraud, this was unethical, and impossible to justify how a 40-year mortgage for over {$500000.00}. would be approved and offered to a XXXX, unemployed woman. XXXX XXXX committed Mortgage Fraud by offering a loan to persons with no income, assets, money, etc. This mortgage should have never been originated/offered.
Subsequently the foreclosure that commenced in XXXX due to my Son-in-Law XXXX XXXX and my XXXX XXXX XXXX divorce/separation that commenced in XX/XX/XXXX. XXXX and XXXX Divorce lasted approximately seven years and was finalized in XX/XX/XXXX. The Divorce suspended any Foreclosure actions in NYS Supreme Court pending the Judge XXXX XXXX Order in Matrimonial Part. All along, I had requested that my attorney XXXX XXXX, XXXX. was told numerous times to make an offer to XXXX XXXX in order to payoff the mortgage ( buy back ) in order to save the home from Foreclosure dating back to XXXX. My requests went unanswered by XXXX XXXX.
Consequently, we received documents from XXXX XXXX, XXXX. who stated that he represented the bank XXXX XXXX and attached was a payoff letter for the balance owed with arrears and fees ( interest, legal fees ) please see attached. In response to this payoff letter there was a payoff amount {$690000.00}. In XXXX I was prepared to payoff/buy back the mortgage however my multiple attempts were blocked. XXXX XXXX, XXXX. would not entertain or even consider accepting the {$690000.00}. Repeatedly stated that the bank ( XXXX XXXX ) now anticipated that they were owed {>= $1,000,000}. this would be the banks only offer the bank would accept, or the home would go to Auction. By the way Judge XXXX XXXX referred to the bank being XXXX XXXX as well and that we would be able to make the payoff offer to the bank and that the bank may try to negotiate.
Lastly, I made an offer of {$690000.00}. in order to payoff and buy back the mortgage my offer went ignored. XXXX XXXX never responded, instead my home was sold at auction for {$500.00}. Please see attached letter to XXXX XXXX, XXXX. attorney for the bank where we offered {$690000.00} in XXXX of XXXX, yet XXXX XXXX the bank states that the home was sold for {$500.00}. Again, this is fraud on top of fraud, seems calculated and planned on the part of the bank. In fact, I suspect, and it is obvious that XXXX XXXX, XXXX, and XXXX XXXX ( Referee ) for the bank are part of an LLC that was created before the Auction and was called XXXX XXXXXXXX XXXX LLC. Clearly all part of the XXXX XXXX scam used for over fifteen years by XXXX XXXX to create fraudulent mortgages and then in the end once the owner is destroyed financially the bank, aka XXXX XXXX swoops in to buy the property for {$500.00} and then resell the home at an inflated cost above market value.
***Now XXXX XXXX is trying to pass off the blame to Wilmington Savings Fund Society , FSB XXXX XXXX XXXX XXXX who was processing the foreclosure for XXXX XXXX.
I need help with this matter because this is clearly the continued mortgage fraud story from the XXXX crisis, and XXXX XXXX is continuing to perpetuate this so that they can profit off unsuspecting borrowers, as well as stealing the property so that they can sell it at a now inflated price.
Please help me- Respectfully XXXX XXXX XXXX XXXX XXXX
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| 10/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American |
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I am writing you today in hopes that you can help with an issue that has been in limbo for the past several months. I had a HELOC with XXXX that I took out on XX/XX/XXXX of XXXX for $ XXXX with a maturity date of XX/XX/XXXX of XXXX ( EX1 of attached ). I tried working with XXXX to refi into a new HELOC and they would not approve me. When I asked what happens next, they said they would " write it off ''. According to my credit report, they charged it off XX/XX/XXXX.
Fast forward to XX/XX/XXXX when XXXX sold the mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX then sold the mortgage to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sold the mortgage to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX then sold the mortgage to Wilmington Savings Fund Society , FSB on XX/XX/XXXX.
In XXXX of XXXX, I began receiving monthly invoices from XXXX XXXX XXXX {$130.00} due. I am told XXXX XXXX XXXX services loans for XXXX XXXX XXXX which is owned by Wilmington Savings Fund Society , FSB. Very confusing. This came five years after the note matured with no explanation on where that money was going to or how the payment was being broken out. No terms, no APR. Other than that, I did not hear anything until XX/XX/XXXX when I was served with foreclosure paperwork with a court date of XX/XX/XXXX. Not once did anyone from XXXX, XXXX XXXX or Wilmington reach out via phone to follow up on monthly missed payments or to discuss the matured loan. No letters were sent to contact the servicer with a personnel assigned to discuss loss mitigation options or information on how to find a housing counselor. Continued mortgage statements ( most recent Ex 3 ) after the foreclosure date does not include any risks or any help to file for foreclosure avoidance assistance.
It wasn't until XX/XX/XXXX when I reached out to XXXX XXXX XXXX that I received an email from XXXX XXXX who stated he was an attorney and works for XXXX and would be my contact and possible options. During subsequent phone calls, he recommended applying for loss mitigation. After submitting the required documents, it was determined that my income was low enough where he said on numerous recorded calls that I was a great candidate for loss mitigation.
On XX/XX/XXXX I received an email stating my loss mitigation was denied and they provided some documents ( Ex 4, Ex 5 and Ex 6 ). Ex 4 is the denial an was addressed to " Mr. and Mrs. XXXX ''. It said I was denied due to the " Lack of affordability '' because my ratios were a XXXX Lack of affordability sounds like I can't afford it but they must think that XX/XX/XXXX is a good ratio. Which is why on Ex 5, they provided a Good Faith Offer of a modification.
The Good Faith Offer ( Ex 5 ) ( addressed to Mr XXXX XXXX? ) offered a discount payoff of $ XXXX ( which they know I can't pay as I have provided all of my income and asset information ) or a modification agreement. The modification worksheet ( Ex 6 ) is asking for $ XXXX up front plus three trial payments before the modification kicks in. The loan they offered is a 5yr balloon amortized over 15 years at 9.75 %. No APR was given, however Ex 7 will show the APR and terms of the loan offered. If I agreed to those terms, I would have paid $ XXXX + {$870.00} trial payments + {$17000.00} for a total of {$33000.00} over the course of the next 5 years. The kicker is that on XX/XX/XXXX, the balance of the Note is due and they will be asking for {$22000.00} that is still owed. This means that if I had the cash to pay the balance off on XX/XX/XXXX, I will have paid a total of just about {$55000.00} on what was originally a $ XXXX note.
The loss mitigation denial ( Ex 4 ) noted that I could appeal the denial. I reached out to XXXX, who said over a recorded line, that normally his company would be able to take 30 % of the amount owed but since I had equity, they wanted the full amount. I don't know why someone from the company would say something like that but to me, it was them saying we have no issue settling for less but we want it all. I brought up the concerns of the Good Faith not having a APR and that the loan terms seemed to be predatory but was told that 9.75 is the APR ( it isn't because it doesn't factor in the balloon payment Ex 7 ) and that since they are a private lender, they don't have to follow the normal rules. While XXXX might be a private lender, they are owned by Wilmington Savings, FSB which is a bank. I was told that the modification was being passed to an non-interested 3rd party who works for the company. Not sure how someone who works for the company could be considered non-interested.
The most recent mortgage statement ( Ex 3 ) shows a balance of {$43000.00} ( XXXX 's balance as of XX/XX/XXXX was {$29000.00} ) and this amount keeps going up. They are charging monthly interest. They have tacked on thousands in attorney fees. They are trying to charge {$4.00} per diem going all the way back to XX/XX/XXXX when XXXX still owned the note.
My options are to pay an attorney to try and fight this which is {$3500.00} just to start, file for bankruptcy or let them take my home. It is bad enough that XXXX charged this off, took their write off and moved on but now I have a company that likely paid pennies for this loan trying to take my home over a heavily inflated balance. They broke the rules in filing for a foreclosure without anyone from the servicer reaching out by phone or mail. They didn't offer loss mitigation until I asked about it at the end of XXXX. They denied my request for mitigation because my ratios were high but had no issue requiring an additional {$290.00} a month which they know I can not afford.
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| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I am filing a complaint against Wilmington Savings, trustee of XXXX XXXX and servicer XXXX XXXX. This is my second mortgage. It is almost impossible to describe the negative effects from the deceptive business practices, harassment and bullying I have received from them and their servicing company, XXXX XXXX.
I was a hardworking, financially struggling single mom, without any help, for most of XXXX years. I am now a single empty nester in my senior years on a low income.
I bought my home in XX/XX/XXXX as a single family resident on concrete foundation, not realizing it was actually a manufactured home on dirt foundation. It was not disclosed to me that it was manufactured with latent foundational Issues. But I was told it was past the statute of limitations for me to sue. However, Wilmington XXXX XXXX XXXX XXXX XXXX are trying to foreclose on my home after over 13 years since my last payment. XXXX charged it off 13 years ago, sued me for a monetary judgment XXXX. The note was cancelled XX/XX/XXXX. They waited 6 years, past the sol, to try to foreclose on me after the housing market rose. So if I can't sue the previous owner who did not disclose my home was manufactured because it was past the statute of limitations, they shouldn't be able to sue me because in Florida is 5 years but it's been 13 years since I defaulted! They got bailed out in the XXXX depression but they're trying to steal my home now.
I got XXXX sick from mold exposure XX/XX/XXXX because of mold and wood rot in the crawlspace. Not only did it cost a great deal of money to repair but I lost about 4 years of my life in my health, finances and social life. Though it took almost 4 years to get better, I still deal with issues which their bullying has exacerbated.
They began harassing me again after many years while I was still severely sick from mold ; during which I lost two siblings, my last two aunts, my youngest son 's father died and my youngest brother is now a XXXX home resident with failing health.
I was able to get my first mortgage modified in XXXX and tried to negotiate with my second mortgage but the plaintive wouldn't work with me. They charged it off and sold it as junk debt in XX/XX/XXXX when it was more than {$100000.00} underwater. They sued me in XXXX for a monetary judgment and the note was canceled. I was already struggling financially and was advised to file bankruptcy. They didn't try to foreclose until another 6 years because there was no equity. They've been lying in wait until the house market increased. Even then, my house was not worth as much as they claim because they don't want to disclose its a manufactured home. I allowed them to send a realtor to inspect my home in XX/XX/XXXX. They rejected her estimate ( at that time it was lower than my first mortgage ) because she listed it as manufactured. Plus it had about {$40000.00} of mold/ wood rot repairs that needed to be done again. They asked for pictures of the mold and wood rot and obliged. I sent them pictures in XX/XX/XXXX and XX/XX/XXXX that were taken by XXXX XXXX along with their {$20000.00} estimate to resolve the mold and wood rot issues. That did NOT include mold remediation, repair and replacement of joist, subfloors, flooring and lower cabinets.
Though they tried to bully me into selling my home, I could NOT subject another buyer and their family to what I went through with mold. They have been constantly threatening to take my home, exacerbating my stress and health issues, which also negatively affect my work and finances. The constant threat of losing my home has been unbearable at times.
I have tried to settle. I even offered {$20000.00}, as they had offered in XXXX and XXXX. But they didn't even respond. My attorney asked for a mediation in XX/XX/XXXX. Instead, in XX/XX/XXXX, their servicing company, XXXX XXXX, sent me a statement tacking on an extra {$30000.00}. I sent them a cease and desist letter and referred them to my attorney. But in XXXX, they sent me another statement with an extra {$10000.00}, almost doubling the initial loan. They have sent me a statement every month since, after almost 13 years of not sending a monthly statement. They know I have an attorney too. I also don't understand when the plaintiff admits the original loan doesn't exist why they're suing me on that loan.
The term " zombie '' is accurate because this has been a nightmare for 13 years.
Also, I've discovered through many sleepless nights searching the internet, it's not just me being bullied and harassed. Many hardworking Americans are being abused by companies like these in like manner. They know most of us don't have the finances, the strength or the knowledge to fight these giants. We've survived the last depression, health and financial issues, covid, losing many loved ones, the current inflation and they want to steal our homes for their own financial gains. A coalition letter was sent to Director XXXX XXXX at the Consumer Financial Protection Bureau ( by XXXX XXXX XXXX ) in regards to numerous companies like these who are violating the Florida Statute of Limitations, Fair Debt Collection Practices Act, the Real Estate Settlement Procedures Act and the Truth in Lending Act, in addition to other Florida and Federal laws.
Thank you for considering the gravity of this case. I'm praying for relief not just for myself but for the many who are suffering from their harassment and financial abuse.
Attached are supporting documents. The bpo is from a realtor I hired. The realtor they hired were in line with this estimate but they rejected and deleted it.
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| 06/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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My landlord was recently foreclosed on and we ( myself, husband, and son ) were recently locked out of our house and made XXXX even though we honestly thought that the bank was working with us and that the notice we received was an error. We found a notice on our door on XX/XX/XXXX which was XXXX XXXX weekend that stated we would be locked out on Tuesday, XX/XX/XXXX. We were confused because the last time we had communicated with the lady representing the foreclosing bank, we had submitted a copy of our lease to the lady and she was going to get back to us about if the bank was going to buy us out of our lease and/or help us financially move to a new residence. We received a notice in the mail a XXXX months ago addressed to our landlord which was a writ of assistance but we were under the impression that it applied to our landlord only because we were supposed to be working with the bank and because it was not addressed to myself or my husband and the bank had our lease and names at that point so we remained under the impression that the bank was still working with us. When we received the lock out notice on XX/XX/XXXX which was a Saturday, we were confused and thought that it was probably just a notice that was delivered due to the judgement against our landlord and we couldnt get any information because it was a Saturday and we also had a secondary disadvantage of that Monday being XXXX XXXX, a holiday in which government offices were closed. We started calling Tuesday morning but couldnt get any information except for the dispatch for the XXXX XXXX XXXX Department telling us that an officer would most likely be there at XXXX to lock us out. At XXXX, XXXX Sheriff and XXXX XXXX XXXX Police XXXX showed up and gave us XXXX minutes to grab some items and honestly they had no consideration for us in any way. They said that we could walk and find somewhere to sit until we could possibly find somewhere to go and they knew that we didnt have a vehicle and they had XXXX concern that I am Federally XXXX with XXXX XXXX and XXXX XXXXXXXX and said they couldnt even help us go to a shelter and said it wasnt their problem if we were on the side of the road because we have no vehicle and I wouldnt receive my SSDI until the next day. My husband has no income currently because he has been my caregiver, was recently considered frail by the state due to a diagnosis of XXXX XXXX and because we have no vehicle. He has been my caregiver for a few years now because I honestly had numerous months at a time with no warning where I was more XXXX suddenly and considered terminal. I dont know how this could have happened but it did and I filed an emergency stay of writ with the superior court that handled the foreclosure against my landlord but it has still not been either approved or denied by the judge. I have spent all my SSDI to stay at XXXX XXXX XXXX in XXXX and used a XXXX to get here when I received my SSDI and no one I have talked to so far can help me. XXXX couldnt even help me because we would have no way to even go to the shelters in XXXX without a vehicle. I also have my cat and as of this coming Saturday at XXXX, we will be XXXX on the side of the road. We were barely keeping our heads above water before the lockout because of our limited income. The only thing we have is my SSDI which is {$850.00} a month plus my child support which just ended because my son graduated high school last week and turned XXXX in XXXX. Thankfully my son was able to go and stay with his dad but we were literally thrown out with him having XXXX days of school left before graduation. The XXXX said that they couldnt help us because we didnt have a specific name of who we were sending rent to at the bank that foreclosed because the court papers just said XXXX XXXX XXXX XXXX XXXX but we were sending them payments. We honestly were not sending full payments since last XXXX because the main water pipe ruptured and it further damaged the furnace so we had to subtract enough money to buy additional space heaters and pay for numerous gallons of water every month to be able to clean ourselves as well as our clothes and normal necessities. The bank didnt return our calls regarding maintenance and so we had to try to take care of whatever we could to have heat and water, especially with my medical issues. Our lease wouldnt have ended until XXXX of this year and our address was XXXX XXXX XXXX XXXX XXXX, In but its actually part of XXXX XXXX due to location. We honestly have no vehicle or family that can help us and we really need help. Please help us. I honestly cant be in the heat with my illness and it is very aggressive. Back in XXXX when my XXXX was approved, the aggressiveness of my illness caused my XXXX application to be approved in a little less than XXXX months. I honestly cant take the heat without becoming very ill. Since the pandemic began, it became harder and more costly to find ways to go to the store, pharmacy, appointments, and have the necessary availability to have water and heat. We have found a lady that has let us stay on her couch a few times at night for the last XXXX nights but we are out on XXXX XXXX during the. We dont even have a vehicle that we can sleep in. We have been XXXX since XXXX and we dont know how its possible or why we cant get emergency housing. This is literal housing discrimination on an epic level. We need guidance and assistance. The Indiana case # for our Landlords foreclosure is Cause Number XXXX
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| 10/17/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX did not lend any money so money can be sue. XXXX XXXX XXXX is a servicer that holds a loan. Because XXXX XXXX XXXX receives a service fee to report the account for the depositor bank this makes it a financial gain which is why they continue to report the account inaccurately. Servicers have no rights under transfer. XXXX XXXX XXXX should also provide me with a written notice in a timely fashion opting out of my financial information being shared with non affiliates. The reporting agencies are not affiliates furthermore they also have a f financial interest in this consumer account reporting.
servicer ( 2 ) Servicer The term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the Federal Deposit Insurance Corporation or the Resolution Trust Corporation, in connection with assets acquired, assigned, sold, or transferred pursuant to section 1823 ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government National Mortgage Association, the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Resolution Trust Corporation, or the Federal Deposit Insurance Corporation, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the Federal Deposit Insurance Corporation or the Resolution Trust Corporation for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
( 2 ) " Depositary bank '' means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter ; 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
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| 07/24/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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In XX/XX/XXXX i made another complaint about this company. I was concerned about this company taking my payments and attempting a foreclosure anyway because i hadn't receiving any information from them. After i made the complaint i received a call saying to make the final test payment and the re-modification documents would be on the way. A few weeks afterward they came and i had them back to them within XXXX hours. I expressed as i had many times my XXXX about finishing this business. I was told to wait and it would be done. XXXX weeks later i was told the documents didn't pass their inspection but was not given a reason. It would have been simple to just write it in the same email and the documents would have been corrected and sent again quickly but i was told to call. I called several times but could never reach this person XXXX XXXX to tell me the problem. I finally spoke to the first person who agreed to tell me the problem. This took XXXX weeks. I sent the documents back again within XXXX hours and waited a week and heard nothing. I was told over and over when i called to just keep waiting and nothing else. In XX/XX/XXXX when i reached someone they claimed nothing was happening because they were waiting for more payments. This could have simply been told to me the XXXX plus times i called but it was not. In the meantime i suffered a financial loss when my bank account was hacked and i didn't have access to my account. The bank was convinced it was friendly fraud and i had something to do with it and didn't believe i didn't. I was going bank in forth with them about this issue for months. My XXXX agree to make the payments for me but he wanted assurances from this company that they would try anything negative while he caught the payments up. They refused to give him these assurances. I finally convinced him and told him i would recoup his losses once i recovered my lost money if it came to that. I attempted to make the payment on their app to avoid long waits on the phone but there were other problems. The app or perhaps my phone glitched out and the transaction couldn't be done. Finally i got all the was through but XXXX problem persisted, the amount. {$19000.00} was in the payment field and i couldn't change it. In the process of trying to fix it the transaction went through as is. I immediately call them and was transferred to someone named XXXX XXXX who claimed to be a supervisor. He claimed to have spoken to me at XXXX point in the past but he didn't know what was happening so i explained the long course of events. I explained my deep concern that his company was dealing honestly and he claimed i was worried for nothing. I told him all the payments would be caught up within the next XXXX weeks but he claimed it wouldn't matter. He refused to cooperate and said he would talk to whoever over him and ask to recalculate the amount and send me documentation again which i needed to sign. I said i would be waiting but i received nothing but a curious email asking me if my finances were the same as before. I have since this company had this account sent dozens of bank statements with the same amount of income and documents proving i get the same amount of income every month and will for the rest of my life. It was documents from the social security administration and the veterans administration that i will in fact receive this income in perpetuity. If he reviewed the file and he is in fact a supervisor he knows this. I could assume it was an oversight or a formality but this company has not dealt fairly from the start. Their only interest from the start was not for me to get the account current but to foreclose period. They want the account be in default so they have their reason. Otherwise they would have finalized the remod so i can make the payments normally and move on with my life. And as i have feared i was told because i didn't answer an email that my house was in foreclosure even though they refused to take my payments so can finish this sorry business. I will also be sending a complaint to the FTC and attorney general because this should not be happening.
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| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This is a complaint against WSFS Bank I have been having problems with them since they took over XXXX XXXX XXXX not only do they keep overdrafting my account after I told them to stop and they have continued to allow the same people like XXXX to continue to take money out of my bank after I tell them to put a void on it I keep getting locked out of my account these people keep denying my dispute and I have legal claim to the money back I just want to file complaint on these transactions regarding my bank denying my disputes and violating my consumer rights Thank you XXXX XX/XX/23 {$42.00} XX/XX/23 {$8.00} XX/XX/23 {$12.00} XX/XX/23 {$23.00} XX/XX/23 {$19.00} XX/XX/23 {$12.00} XX/XX/23 {$12.00} XX/XX/23 {$9.00} XX/XX/23 {$39.00} I have not used this XXXX XXXX loans since about XXXX XXXX but they continue to not only build my debit card every month for money that I never got but they're also billing me for two subscriptions one for regular XXXX XXXX and one for genius you only can bill for one of the other but I never signed up for either they keep voluntarily signing up and I've disputed this with WSFS bank before as well as Brin more trust and told them about this this has been going on since Last year XXXX XXXX XXXX XXXX XX/XX/23 {$95.00} XX/XX/23 {$98.00} XX/XX/23 {$230.00} XX/XX/23 {$510.00} XX/XX/23 {$110.00} I had to go stay at the finished day of America for a while with my family and the first one we were at for the first two charges ended up kicking me out with my emotional support animal because it was a XXXX bearded dragon they had said they don't allow lizards there and it was legally my emotional support animal So we've got a room at another location not only was the room not accommodating but they didn't do anything to accommodate us it was allowed all hours of the night with people running in and out doing drugs then yeah when they refused to accept cash we went and got a prepaid debit card which I had a problem activating so the hotel manager offered to help she ended up stealing the money and registering the card in a different name which there's an ongoing fraud investigation I provided the bank with everything they needed and they still denied their dispute we were put on the streets and I lost a lot of money and I want my money back because I did not get what was described in their ads GIANT XX/XX/23 {$99.00} I'm unsure about this particular transaction I went in giant I made a purchase just minutes within this transaction but this one I didn't do I don't know how it happened how they were even able to do that but they refused to get back to me and the bank won't give me my money back XXXX XXXX XXXX XX/XX/23 {$75.00} XX/XX/23 {$36.00} There's an ongoing arbitration with XXXX XXXX XXXX we were lied to scans and they refused to we placed the wrong phones that they sent not to mention XXXX of them didn't even work XXXX XX/XX/23 {$16.00} XX/XX/23 {$16.00} XX/XX/23 {$16.00} XX/XX/23 {$16.00} XX/XX/23 {$16.00} This also is a part of the XXXX & XXXX dispute I never signed up for all state nor did I give them permission to build my bank I had disputed this with all state from many many months and they refused to do anything about it as well XXXX XX/XX/23 {$12.00} This as well goes along with the XXXX XXXX XXXX XXXX I did not authorize them to sign me up for this I did not authorize XXXX to take any money out of my bank I knew nothing about it I've provided my bank with every piece of documentation that pertains to each of these claims and they totally refuse to give me the money back under and they won't give me no reason why or what they based their conclusions on I think it's not fair and I think it's a violation of my consumer rights
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| 08/15/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Initial complaint : In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for Washington Savings fund Society ( FSB ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}.
Copy response : In response, XXXX sent you a Notice of Servicing Transfer and Welcome Letter dated XX/XX/XXXX, wherein it stated that unless you, the consumer, disputed the validity of the Debt, or any portion thereof, within thirty days after receipt of this notice, the Debt would be assumed to be valid by XXXX as the Debt Collector. You did not dispute the debt at that time. You were then sent a letter on XX/XX/XXXX, from the Lenders counsel who advised you that the amount of the debt at that time was {$78000.00}. You were again advised that unless you disputed the validity of the Debt, or any portion thereof within thirty days after receipt of this notice, the Debt would be assumed to be valid. You again did not dispute the debt. The loan was consequently referred to foreclosure. A mediation was held on XX/XX/XXXX, to which you did not attend and therefore, a Judgment of Foreclosure was subsequently granted in XX/XX/XXXX.
Because of the foregoing, and as you stopped paying a debt that you signed for in accordance with the original Note, allowing the interest, late fees, legal fees etc. to build up over the 15 years, the Lender respectfully declines to refund any money from the {$91000.00} you paid on XX/XX/XXXX, except for the {$38.00} refund for overpayment.
Rebuttal : In the company 's response, there were references made about letters sent to me in XXXX and XXXX. As any consumer concerned about scams and fraud, any correspondence received regarding my property would have been considered fraudulent, as I've never agreed to nor conducted any business with the aforementioned companies such as XXXX, XXXX XXXX, or XXXX XXXX XXXX. To my knowledge, I signed an original note with XXXX XXXX XXXX in XXXX. Any company that pops up after 15 years claiming to be owed a debt would be considered invalid, fraudulent and scam worthy. So I disagree with the company 's assertion that the debt is valid if it's not disputed. There was no documentation provided that linked the original note with these companies. It was only during the property sale in XX/XX/XXXX that the title report revealed the various companies attached to the original note. In attempts to track down the current lender to request a payoff, I ended up communicating with the asset manager for XXXX XXXX. ( XXXX XXXX ). In those communications, my position was that the original principal should be paid in good faith, along with additional cost ( XXXX ) After attempts to negotiate the amounts, they agreed to reduce 5 % ( {$87000.00} ) ( Not honored ). This was one day prior to settlement and no more time to further pursue reduction resolutions. My contention is the improper notice in XXXX that then led to 2 more years of interest and foreclosure fees in XXXX. There was no documentation provided that linked the original note with these companies. To charge $ XXXX charges after 15+ years through various companies is an unfair practice and this is a attempt to find resolution as a first step.
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| 07/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXX Dob : XX/XX/2000 SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX My identity has been stolen, you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC Attorney XXXX XXXX XXXX XXXX state and Mine Thank you, XXXX XXXX
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| 11/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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My complaint is against an entity that claims to hold the right to enforce a XXXX mortgage deed of trust recorded against my home, a single family residence located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, identified as Wilmington Savings Funds Society FSB D/B/A/ Christiana Trust, Trustee for XXXX and the servicer XXXX XXXX XXXX. In XXXX, XXXX filed an Assignment of Deed of Trust and a Notice of Default seeking to foreclose on my home claiming that the second mortgage was XXXX years in default. This second mortgage was a Home Equity Line of Credit ( HELOC ) that had been extinguished in XXXX through the Home Affordable Modification Program ( HAMP ) XXXX Lien Extinguishment Program ( 2MP ). The face loan amount of the XXXX mortgage was {$62000.00}.
The XXXX mortgage was a XXXX Mortgage I purchased my home in XXXX of XXXX. By way of background the original owner and servicer of the HELOC loan in XXXX was XXXX until XXXX was seized by the FDIC in year XXXX. I received a letter in XXXX of XXXX from XXXX XXXX bank, stating that XXXX XXXX was acquired by XXXX XXXX XXXX and my mortgage statements from that point on read as XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX. I continued to make my mortgage payments to XXXX XXXX a XXXX XXXX XXXXXXXX XXXX XXXX, until I was offered and accepted a complete extinguishment the XXXX mortgage in year XXXX by XXXX.
I was informed that I qualified for the HAMP 2nd Lien Extinguishment Modification Program ( HAMP 2MP ) for the amount of {$62000.00} on the second mortgage, because I received a complete HAMP Modification on my first ( XXXX ) mortgage in year XXXX. I accepted the Offer of Extinguishment in year XXXX on the second mortgage and sent in all documentation that was requested. In XXXX XXXX XXXX confirmed that no further documentation was required from me.
The XXXX became a XXXX mortgage for XXXX years until XX/XX/XXXX when I received a NOD ( Notice of Default ) from XXXX XXXX XXXX as Trustee, the law firm representing XXXX XXXX XXXX at that time. I also received a NOS ( Notice of Sale ) in XXXX of XXXX from XXXX XXXX XXXX as Trustee demanding {$100000.00} dollars to bring the loan current. I retained legal Counsel in XXXX and through the court system a TRO and a Preliminary Injunction was granted to restrain the foreclosure sale of my home. During discovery, legal counsel became suspicious of the signature on the Assignment and was able to obtain an affidavit from the notary on the alleged Notice of Assignment of the Deed of Trust and discovered that the Assignment that was filed with the XXXX XXXX XXXX Recorders office by XXXX and/or its agents was fraudulent. The notary confirmed that she in fact did not notarize the Assignment. The signature on the Assignment was in fact not hers, and she did not sign that document. The notary signature on the Assignment was also compared to the notarys signature on file with the state of Georgia. This along with the notarys affidavit confirmed that the notary signature on the Assignment is fraudulent. It is my belief that XXXX has engaged in fraudulent conduct against the recordings against my homes title by creating fraudulent documents and back dating assignments to try and establish their right to the Deed of Trust in order to foreclose on properties, including mine.
I am requesting assistance from your agency to investigate this conduct.
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| 04/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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The Notice of Default was resended by prior servicer in XXXX. Servicer subsequently sold the loan to a new company who is foreclosing in spite of showing modification was fraudulently signed by the lender. Loan had been fully forgiven in XXXX. I was forced to file bankruptcy/Adversary Action to keep my home. My attorney who is elderly, XXXX plus years, and extremely terrified of the Corona Virus, had to have a telephonic hearing with the bankruptcy judge and was not in the right state of mind and could not argue the case. Subsequently, the stay was lifted and my home of 20 plus years is scheduled for foreclosure on XXXX. This is unfair, especially since XXXX forgave the loan in XXXX. There is no explanation on how the loan balance of XXXX increased to XXXX in less than two years. Servicer states there was a credit line increase in XXXX, which is untrue, especially, since in XXXX lenders were closing their equity lines. We have asked for payment history and we have asked for the forgiveness letter because I have, in my notes, that I spoke to a XXXX XXXX, with XXXX, and she verbally told me that the loan was forgiven and followed up with a letter in XXXX. Instead of producing the letter, they produced a fraudulent modification. That's how we found that there was a fraudulent modification done by XXXX. Furthermore, there has been no correspondence from the lender from XXXX to XXXX when solicitors notified us that XXXX had filed a NOD that they resended. We notified the Consumer Financial Protection Bureau. We need your help. We also have a declaration from our attorney stating that he is sick and he foolishly participated in the XX/XX/XXXX telephonic hearing against his better judgement and in retrospect he realized that he was not prepared or in a right state of mind to argue the case as he should have been. Remember, he is elderly and very concerned of the Corona Virus. He's in age of XXXX and older group, which, health authorities projected with being the highest danger with contracting the Corona Virus and having serious injury or dying. He regrets that he didn't request a continuance as he planned because of how he felt. He was confused and his judgement was impaired, which was not fair to his client. He requesting a rehearing. In XXXX, under Making Homes Affordable, our mortgage was modified through the Department of Justice Settlement and XXXX and brought to it's current market value of XXXX. Because our property has appreciated in value, this lender/servicer is taking advantage of a loan that was originally XXXX and had been forgiven in XXXX and claim the balance is now over XXXX, thereby, trying to say we have no equity and should just hand over our home of 20 years. This is wrong. All of the supporting documents have been provided to XXXX and the law firm and have been ignore.
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| 02/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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We original filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and part of the plan included Avoidance of the Junior Trust Deed. We successfully completed the Plan and on XX/XX/XXXX per the United States Bankruptcy Court XXXX District of California we received our Discharge.
Our Junior Mortgage had been sold to various companies ( they are all listed on the Notice Recipients attached to our Discharge ( XXXX, XXXX XXXX, and XXXX XXXX XXXX ) After we received our discharge we attempted to refinance but were notified that there was still a lien on our property. On XX/XX/XXXX I contacted XXXX XXXX asking them about the Lien Release and sent them a hard copy of the information.
In order to get refinanced I ended up having to go to the XXXX XXXX County Recorders Office and record our Discharge of Debtor After Completion of Chapter XXXX Plan as well as the Order on Debtors Motion to Value Collateral and Avoidance of Junior Trust Deed so that the lender could see that the Lien was released.
I though the situation was resolved until we wanted to refinance our loan. We were notified that the lien was still attached. I went to the recorders office and found that the lien was not released. What I did find was that the lien which was released on XX/XX/XXXX had been sold to other companies. Most recently ( XX/XX/XXXX ) to Wilmington Savings Fund Society , FSB not in its individual capacity but soley as Trustee of XXXX XXXX XXXX a fact that I was never notified about.
At the point my refinance is stalled. So on XX/XX/XXXX I wrote them along with the Title Companies listed on the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust.
The list of companies notified are : XXXX XXXX, XXXX XXXX XXXX XXXX, and Title XXXX Per USPS tracking : XXXX XXXXXXXX XXXX XXXX received their letter on XX/XX/XXXX @ XXXX XXXX Title XXXX received their letter on XX/XX/XXXX @ XXXX XXXX XXXX XXXX received their letter on XX/XX/XXXX @ XXXX XXXX and it was signed by XXXX XXXX ) I did not receive a response from any of them. In the letter I sent to them I gave them 30 days to release the lien letting them now that on XX/XX/XXXX I would be going to the XXXX XXXX County Recorders to see if the lien was released. On XX/XX/XXXX I did go to the Recorders office but the lien still had not been released.
Attached to the letter that I sent all of the companies I not only included copies of the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust but our Chapter XXXX Discharge and the Motion to Value Collateral and Avoidance of Junior Trust Deed.
Once again I have not received a response from any of the companies involved. At this point my primary concern is XXXX XXXX since they currently hold the lien
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| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I lost my job in XXXX due to XXXX. The agreement with my company was that they would not deny my unemployment claim. I applied for unemployment the following day. A strange glitch in their system would not recognize my social security number which took 4 months to fix. I still have not received a single check from them. In the meantime I paid my bills with my vacation payout the company gave me, this included my mortgage. When I realized the unemployment situation was going to take much longer than expected. And was waiting to go in for XXXX to have glass removed from my face ( which had happened at my previous job ) and had just about exhausted all other lending options such as friends and family. I went in to the bank branch ( XXXX originally held my loan, but was recently sold to WSFS ). I was informed via mail months prior that WSFS now held my mortgage. The branch instructed me to apply for covid relief to defer my payments. I followed the instructions as instructed in XXXX. After weeks of calling the customer service number with absolutely no results I went back to the branch. In the branch, I showed them my statement ( it is worth mentioning that the bill had the WSFS logo at the top ). After an hour of waiting for the branch manager to figure out what was going on. They informed me that even though I logged in to the WSFS website to pay my mortgage ( ... and all of the other aforementioned hints that would lead one to believe that WSFS held their mortgage ), they in fact did not hold my mortgage. They were unable to access my account and instead called the same customer service line I had been calling. I will spare you all of the repeat details but, in short I have been doing everything I am suppose to do upon request. Resubmit this document or that document, you don't have proof of no income then write it on a piece of paper sign it and scan it in. I have been told complete opposite information regarding extremely important details along the way, such as being told that my house would not go into foreclosure while the application is being processed then literally receiving foreclosure notices, then calling back and being told thats all in correct. Now I am almost 6 months in to this process and still being given the run around, so much so that the branch manager who gave up trying to help me, gave me the number to a lawyer to call but he didnt know how else to help. I just got off the phone with them after being told weeks ago that my application was finally complete ( the amount of times I had to resend them the same documents is absolutely stifling. I am really just trying not to lose my house and was simply requesting a deferment while I get back on my feet from a really traumatic year. Please help.
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| 02/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Dispute for account ending in XXXX : Fraud Claim Denial Transactions : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Total Fraud Scam Amount {$3000.00} Prior to the holidays for XXXX I attempted to make a purchase online from XXXX XXXX Unfortunately, I was somehow redirected to a fraudulent 'look alike ' website. Upon checkout my transactions was declined. I was advised to call a support number for assistance. The number offered was XXXX. I called the number and was greeted by an individual claiming to be with XXXX. The individual asked for my debit card information again in an attempt to reprocess the transaction. Again the charge was denied. I was instructed to use my debit card for gift cards and they would convert it back to cash to compete my purchase. They suggested due to the large dollar amount it may be the reason for the difficulty. I complied and later learned that I was a victim of a common and elaborate scam. I immediately contacted WSFS to report the fraud. The woman that I spoke to said this happens all the time and can't count the number of customers that come into the bank to report similar scams. We proceeded with the Fraud claim and I awaited the banks response. On XX/XX/XXXX I received a written response from WSFS that my fraud claim was being denied. It also states that I am permitted a copy of the investigation that led to the fraud claim denial. I requested a copy and after the required 30 days, WSFS failed to respond to my request. WSFS did not adequately protect me as a consumer, they suggested if I had " more money '' with them that my claim would more than likely been accepted and my funds reinstated. I was not adequately protected, WSFS failed to provide basic fraud security, WSFS failed to perform an adequate investigation, WSFS failed to attempt to recover funds, WSFS failed to provide written supporting information relied upon in making its determination to deny my fraud claim. If WSFS was aware of these fraud scams, why did they fail to protect me or educate me on the risk associated with they elaborate fraud rings. I recently called the ticketmaster toll free number above XXXX and the redirected website of XXXX is still operating. If this was a fraudulent site, why has WSFS failed to report to law enforcement or take any action to protect other consumers. WSFS is taking advantage of my due to my low income and low financial savvy education surrounding these fraud scams, they denied my claim and expected me to go away. My fraud rights protect me and should leave WSFS liable for failing to protect me. I expect my hard earned income to be returned.
A complaint will be filed with the PA Attorney Generals Office and ACLU
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| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I wrote out my personal Check # XXXX made payable to XXXX XXXX XXXX in the amount of {$240.00}, and posted the check in the USPS Mail Box at the corner of XXXX XXXX XXXX XXXX XXXX XXXX on Sunday evening, XX/XX/2022.
( which happens to be across the street from my home. ) I was working overnight XXXX on Thursday evening, XX/XX/2022, and reviewed my WSFS Checking account online - only to discover that Check # XXXX has been modified to be payable to XXXX XXXX XXXX in the amount of {$6600.00} - and was in the process of being cleared by WSFS.
By XXXX XXXX on Friday, XX/XX/2022 I went to my local WSFS branch in XXXX ( corner of XXXX XXXX and XXXX XXXX ) to report the fraud.
WSFS took my information and filled out a form - that included a check box on my willingness to prosecute the fraud ( which I checked Yes ), and informed me that it could take up to 100 Days before the matter was resolved.
After WSFS, I reported the incident in person at the XXXX XXXX Police Station ( Incident XXXX. ) I also drove to the XXXX US Post Office and reported the incident - and I was directed to the USPS website, and reported the incident again to US Postal Inspectors online. ( US Postal Inspectors ' Reference number is : XXXX ) On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was noted in my account- but that no action had been taken.
Following that conversation, I did open a complaint ( # XXXX ) with the Office of the Comptroller of the Currency 's ( OCC ) Customer Assistance Group ( CAG. ) On Thursday, XX/XX/2022, I was contacted by XXXX. XXXX XXXX from the XXXX XXXX Police department and was informed that XXXX XXXX PD had been able to identify a WFS Fraud Investigator - and that Det. XXXX also provided a copy of the fraudulent check and a timeline to WSFS Fraud Investigator.
On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was still noted in my account- but that no action had been taken. The Customer Service Rep contacted my local branch and spoke with the teller with whom I had reported the fraud on XX/XX/XXXX. The Customer Service Rep was unable to speak with anyone in the WSFS Fraud Services. On this occasion, the Customer Service Rep informed me that the WSFS policy was that resolution of Fraud related check could take up to 90 days ( which is different from the original 100 day term that I'd be informed of when I reported the Fraud on Friday, XX/XX/2022. ) I feel that I've been reasonable and worked and waited while WSFS has really taken no action. I feel that there fraud related policies are poorly documented, communicated, and enforced irregularly.
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| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear WSFS, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX.
What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee.
The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer.
The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer.
What authority if any does WSFS, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement.
Please advise.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
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| 10/08/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom XXXX would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason.
It was then that XXXX began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from XXXX representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment.
The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet XXXX seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt.
I have attempted on countless occasions to resolve what is a payment processing problem by XXXX. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their problem. This has never been achieved and every 3 months I begin receiving calls from XXXX representatives attempting to collect a debt. I am going to attach the escrow statement that I received from XXXX when they last denied my claim to have late fees removed.
During this time XXXX have sent people on at least 3 occasions to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home.
I have tried my best to be reasonable with XXXX XXXX and after almost 3 years I have given up.
I have attached the escrow account provided to me by XXXX showing the numerous occasions where I had to request return of late fees.
I would like to report XXXX for harassing myself and my mother for almost 3 years.
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| 12/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I had been working with WSFS bank for a mortgage since the last week of XX/XX/2020. I went through all the processes, submitted all documents, got approved for conventional loan, and my closing date is XX/XX/2020. My attorney, realtor and I submitted all the documents on time and we thought everything was fine.
One week before the closing date, the loan officer couldn't submit a document on time to the buyer and seller attorney. She claimed she needed master insurance, which my attorney sent her one month ago. My realtor needed to extend time to submit this document. Otherwise, the seller could take all my deposit and cancel this purchase because I missed an agreement. Then, my realtor found out that this loan officer screwed up the process. Loan officer said this unit showed on XXXX as a townhouse, not condo. But my attorney sent her a deed which shows this unit is a condo. Basically, the loan officer worked on my unit as a townhouse instead of a condo. She started the condo questionnaire process 5 days before the closing date. I was telling her my rental apartment lease will end by XX/XX/2020 and I can not extend because there is another tenantwill move in. I and my realtor were reminding the loan officer that I will have no place to live and keep my stuff if it's delayed so long. The loan officer kept saying everything will be fine, tried to book a closer date and time, and let me sign all the paperwork for closing.
In the morning of XX/XX/2020 which is a day after the closing date, the loan officer told me my mortgage got rejected because of a lawsuit. She got this lawsuit document 1 month ago but she never said anything until a day right after the closing date. I called the bank because I want to talk to her supervisor but it's really hard to reach them and they took 30 minutes to find my mortgage. Call centertransferred me to her supervisor. I was told they will reach out for my case and call me back. I got a call from my loan officer to apologize. But no solution or responsibility for my time, my risk on deposit, my moving, my place to live and my place to work from home.
I'm supposed to stay in the new place already. But now I need to rent a hotel, rent a storage room, negotiate with the seller, find a new lender and start doing all mortgage applications. This is beyond bad experience with WSFS bank. They don't have responsibility and throw on the street to figure out their mistake.
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| 02/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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On Friday, XX/XX/XXXX, my daughter and son-in-law received a call from someone falsely impersonating their son stating he was in a car accident in XXXX, NJ and needed bail of {$9000.00} and to contact the financial rep and court attorney for his release. In a state of panic, we were contacted by 2 people impersonating a court attorney and bails bond person ( going by the name XXXX XXXX ) who instructed us where to wire the money to a XXXX account in XXXX, NY. I wired from my WSFS account located at XXXX XXXXXXXX in XXXX the money and we were told my grandson would be released. No more than an hour later, we found out it was a scam and I contacted the bank immediately to try to stop the wire transfer. I spoke with XXXX, from WSFS and he quickly put a fraud alert on my accounts and stated he was contacting my branch directly and that I would need to close my account and open new ones. I also filed a police report with XXXX XXXX XXXX and my daughter filed a complaint with the FTC. Saturday, XX/XX/XXXX, I received a call from the branch manager and was told that my money did not get transferred and someone on the backend was able to catch it and asked for me to come in to close and get new accounts due to fraud. I went in that day and sat for 2 hours with the branch manager updating my accounts and she assured me that my money was still there and was not transferred and that they were able to catch it. I was relieved but traumatized by this experience as I am a widow on a fixed income. On Tuesday, XX/XX/XXXX, I was shocked to receive a casual phone call from a teller at WSFS stating that unfortunately my money was transferred to the scammers account and they werent able to verify because the Wire department was not open on Saturday!! I was infuriated! They assured me several times that my money was safe and didnt go through. I asked to speak with the manager and she was unapologetic stating the same thing. I was contacted by the Regional Manager who basically said they gave me the wrong information and that unfortunately the money went directly through that Friday. I told them they had dropped the ball and I was assured my money was not transferred. I dont understand why no more than an hour after we found out and contacted them about the fraud that more wasnt done. No one from WSFS even attempted to contact XXXX where the fraud initiated from. I am extremely upset and will continue to fight this.
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| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I went to XXXX XXXX for a week between XX/XX/2022 and returned on XX/XX/2022 on XX/XX/2022 my WSFS Debit card was frozen because I was spending our of my local area. I was unable to view the account online. I called and verified the current charges on the account and the account was made available. I returned home and went to use my WSFS Bank card on my phone and discovered it was compromised I was not aware that I had lost my card. Unauthorized Charges in the amount of {$9600.00} were billed to my Debit Card on the XXXX, XXXX, and XXXX I was not aware my card was missing because I often use my phone to tap transactions and in that instance my PIN number is also used. I received a letter from WSFS Bank on XX/XX/2022 stating that the disputed transactions were not going to be reviewed and that I was responsible. I spoke to the Customer Service area and was provided transactional info and merchant phone numbers.
XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX separate transactions {$2300.00}, {$500.00}, {$400.00}, I called the merchant and was advised that he spoke with the security department of WSFS Bank ( XXXX XXXX and advised that there was Video Footage and receipt detail and he informed her on how to get the detailed information. XXXX XXXX XXXX XXXX called me back on XX/XX/2022 and informed me that no one from WSFS has reached out to the Loss Prevention area of XXXX XXXX to request the information.
There were also two XXXX charges also on the same post date XX/XX/2022 {$1000.00} and XXXX, I spoke with the general manager XXXX, he informed me that he had spoke to someone by the name of XXXX at WSFS Bank and provided him the information that an ID was present and and a receipt was available. However this transaction was processed after I was already in Delaware. But no one at WSFS is trying to help in this instance I did speak with XXXX 's XXXX, XXXX XXXX and she is of no assistance either I have also sent information to XXXX XXXX of WSFS Bank in the last four days and I have received not response. XXXX XXXX informed me that she would not open the dispute and advised me if I wanted the merchant receipts that I should go into a WSFS Branch and request them. there are many more transactions processed on the same date they include over 50 transactions and a total of {$9600.00}. I have also filed an online police report with XXXX XXXX, Nevada and I have listed all charges.
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| 08/05/2023 |
Yes |
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- Trouble during payment process
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Web |
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This is a continuation of the last two submissions. The Court has a serious conflict of interest because its invested in the foreclosure. The BANKS have Every State Judge in the US invested in the Foreclosure of houses in the US, the Retirement funds of all state employees are mutually invested in Mortgage Backed Securities. What will clarify this statement is almost all of the Banks doing the foreclosures actually have the legal standing to do so. First of all the law says that Banks are not allowed to own property according to the Glass-Steagall act. All the Securitization of the mortgages is fraudulent because the banks are not the owners. The notes are not being held as promises, so ironically the retirement plans as far as the XXXX are concerned are worthless. Although the judges, have skin in the game to keep up the act, the banks have their families and livelihoods held hostage. This forensic report is about to world wide in many different languages in a co sponsored effort to reclaim our land and the people from the poverty/ XXXX brought forth by the foreign oppressors. I look forward to hearing from you. I have turned in my H8 rescission form twice and its been over XXXX days and the law firm of XXXX XXXX XXXX XXXX out of XXXX XXXX Louisiana will not respond. I have sent confirmation mail. I have told the judges assistant, but they are tied up in their retirement funds, obviously. I was never informed I could not resend the loan at the closing table because i was never given disclosures at foreclosure. Therefore it is my right to resend the mortgage. And it is my right to recoup my losses, al fees & interest ( s ) and all escrow ( s ). I am the original creditor the bank has no skin in the game, so this is not a mortgage contract. I was made third-party to a contract that I was unaware of the details that were set forth against me in the first place.. theyre in XXXX XXXX XXXX at this point. This has destroyed my family of XXXX years over stress my XXXX XXXX will not have the upbringing that we have intended. It has destroyed my business and running to a reputation. I cant get back these precious moments of my life, nor can my close family or my immediate family, which has stressed my XXXX to the hospital and now she is facing the end of her life a lot sooner than expected. And I know Im not alone.
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| 11/23/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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As soon as the Illinois XXXX lifted his Moratorium that halted evictions, Wilmington Savings Fund Society , XXXX ( working in concert with XXXX and its related entities ) through their agents caused XXXX XXXX Sheriffs to pay an unwarranted visit on my house XX/XX/XXXX in pursuit of void, purported foreclosure debt or fraudulently obtained orders. The interests of the perpetrators spring from unauthorized foreclosures that they conducted in every jurisdiction. The US Government already sued XXXX and its related entities ( XXXX ) for the underlying foreclosures that they conducted in fraud and was awarded {$470.00} XXXX in a settlement. But the perpetrators, with the help of an intermeddling company -- Wilmington, some kind of transfer agent, are actively pursuing the underlying unauthorized foreclosure " debt '' by presenting more false and fictitious documents ( including false certifications, affidavits, etc. ) to courts, the Sheriff 's Office, land recording systems, and local governments. They've hit me with a succession of false and frivolous eviction suits ( related to the illegal foreclosure ) filed in an inappropriate municipal district of court under seal XXXX! Caused a false quitclaim deed to be recorded against my property XX/XX/XXXX in anticipation of Wilmington vexing me with further litigation, and have also caused my property to be falsely listed for sale XXXX XXXX XXXXXXXX XXXX # XXXX ). The perpetrators have not, and can not produce the prerequisite proofs to show that they had complied with the XXXX when litigating their claims or to show that they have a legally valid right to sell or take over my property. They rest on fraudulently obtained orders that are the result of their own violations of the federal False Claims Act and state consumer fraud law ( See XXXX 's Press Release # 16-148 for 02/05/2016 ). Their actions are intimidating, coercive and ongoing, violating federal Fair Housing Law ( 42 USC Section 3617 ), and should be stopped. They are pretending to have an interest in my property when they do not, and are abusing civil process and the court system to pursue their false claims. Property tax records pursuant to the Public Act found at 55 ILCS 5/3-5010.5 ( e ) corroborate the fact that I am the rightful owner of the subject matter property.
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| 02/10/2020 |
No |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In response to my last complaint, Wilmington Savings Fund Society FSB, as Trustee of XXXX XXXX XXXX XXXX A denied all responsibility for the unwarranted eviction actions filed against me, shifting the focus to XXXX XXXX XXXX , XXXX ( Response Letter dated XX/XX/XXXX ). Yet so far, I have received motions asking the courts to extend enforcement of one of the wrongfully entered Eviction orders with Wilmington Savings Fund Society FSB named as Plaintiff. The motions are dated for XX/XX/XXXX and XX/XX/XXXX ( Motions are attached ). The evictions were filed under seal and are not viewable by the Public, and this is what deters most attorneys from assisting me in this matter. They complain that they can not research my case from their office. At any rate, Wilmington Savings Fund Society FSB, in concert with XXXX/XXXX are falsely representing to me, the courts, and to the world that my Property has been transferred to a Third Party Purchaser. They did not, and can not provide any proof of an actual sale. XXXX/XXXX didn't have a legal or equitable right to sale, transfer, or even foreclose on my Property. The Department of Justice found XXXX 's Foreclosures between XX/XX/XXXX and XX/XX/XXXX to be unauthorized. And XXXX XXXX XXXX XXXX, the non-bank subsidiary used to file the first 2 evictions in pursuit of void debt failed to execute the wrongfully entered possession orders filed with XXXX County Sheriffs XX/XX/XXXX and XX/XX/XXXX. Now the basis of these corporations ' claim is the unlawful quitclaim recorded XX/XX/XXXX. Their suits violate the Venue provisions of the federal Fair Debt Collection Practices Act and other actionable elements under the Act ( See 15 U.S.C. 1692i and Section 1692e ( 12 ) ). And they are a continuation of XXXX 's violations of State Consumer Fraud, the False Claims Act, and the FHA. State and Federal prosecutors successfully prosecuted XXXX and its related entities for the latter. My property is not subject to the unidentified trust agreement or unidentified sale that XXXX and Wilmington would have others believe. The underlying anti-consumer loan was securitized into XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, the unlicensed loaner never had a lawful lien attached to my Property in the first place, nor did its successor XXXX XXXX XXXX XXXX.
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| 03/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I try making a purchase online after speaking to a customer service rep.who directed me to do so, since they do not do phone orders ( The company name is XXXX, ) tel # XXXX.My purchase did not go thru and I was prompted to try again, I tried the purchase a second time when then it was successful ( The items purchased was a package on sale, which is a 330 watts power station and 100 watts solar panel, that cost {$390.00} with insurance of {$12.00}. to total $ XXXX purchase was made on XX/XX/XXXX around XXXX XXXX.
I receive a text and an email from my bank ( WSFS on the same day around XXXX XXXX I responded to both first the text and the email. The email from my Bank ( XXXX ) states that there were ( 5 ) items purchased between XX/XX/XXXX to XX/XX/XXXX ( 2 ) Two of the items stated was two purchases from XXXX for ( {$400.00} each ) In that email I was asked to click one of the two statements asked, One asked ( All transaction ( s ) Authorized and the other ( One or More Transactions ( s ) NOT Authorized I clicked on - '' One or More Transactions NOT Authorized " I also called the Bank and spoke to a supervisor, who agreed to place a dispute on the one item, I also contacted the Merchant Rockpals that evening around XXXX XXXX Delaware time, I left a message as there was no one to answer, I called back on XX/XX/XXXX and I spoke to CSR who again confirmed that there is only one order, I followed up with the bank on XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX to learn I was charged again overdrawn fees, ad the bank said they will refund those fees, however I must make a deposit to cover the overdrawn amount, until the dispute is resolve, which can take from ten to thirty days.
I made a Payment to the IRS after I Transfer the amount need to cover the payment, the bank inform me today, I will be charged if I dont deposit money in the account. I will be filing a complaint against the merchant with the FTC. I have no issues with my Bank, other than not resolving this matter quickly, since they were the one who realize that the transaction, was not authorize, and also with me ( XXXX XXXX, responding the same day via email and telephone calls speaking with two supervisors, ( Supervisor XXXX is the one who is handling this matter )
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| 10/13/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
- Foreclosure
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Web |
Older American |
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Have a LOC with WSFS Bank. They have filed foreclosure claiming " failure to make any payments in 2023 ''. I have a receipt of payment from them on XX/XX/2023, and they Snatched the XXXX payment along with the XXXX payment. I have the statements to prove it.
Now XXXX has advised me to get payoff to current, which dismisses my case! The payoff includes their legal fees fighting this fraud case, and the Threat of {$1500.00} Fine and provides for Motion to Proceed for them!
Their original foreclosure complaint states " no Payments Made in 2023 ''. They have rewritten the record to create one that shows this and have accomplished it by " Snatching Payments '' and " Re-Allocation '' in 2023!. I may have been low on payments as they kept rising, but I made them. This shows they created a new record to gain by foreclosing on my home. This shows what they did and how they did it, to foreclose on my home.hen they were paid internally to the WSFS LOC. This provides for multiple sources of documentation on transfers/payments to WSFS and the LOC.
I'm XXXX, and on SS which hasn't been keeping up with the interest rates and inflation. I'm going to have to start transferring all of my SS to this and figure out how to get make more.
I don't have the funds to defend against Predatory Banking Practices, Fraud, and Creating a new Record to enable Foreclosure. I believe this is a Civil Rights issue also with them violating my rights this way I'm not sure XXXX is up to or able to keep assisting with this case.. In which case, I have no protection against this bank 's actions.
I can provide all documents including XXXX Bank Statements, WSFS Checking Account Statements, WSFS LOC Statements, and every other document they ever sent. Including : a WSFS Payment Receipt for XX/XX/2023, and " account Overdrawn Notices '' on XXXX XXXX after they seized money from my checking account. I'll need to speak with someone about them and personal info contained before sending them.
I can't deal with this on my own and they have been evasive and blatantly lying to me every time I have called them. These are Unfair Banking Practices and outright fraud.
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| 02/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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There are 2 merging issues.
1-In XXXX, XXXX my husband lost his job. In XXXX, we filed Chapter XXXX bankruptcy. At that time we were waiting on a loan modification decision from XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX who modified the loan and raised our interest rate from 2 % to a predatory 7 % rate and gave us no options but to agree. We struggled to keep up with the {$1000.00} payment increase and fell behind. I lost my job due to COVID-19 in XXXX, XXXX and we were unable to make the payments. Then we were told that the investor, XXXX, was foreclosing on oh home and had a sale date of XX/XX/XXXX. We hired an attorney from XXXX XXXX to stop the sale. While waiting for a modification, another sale date of XX/XX/XXXX was scheduled. That sale date has been cancelled as well. However, XXXX XXXX XXXX and XXXX are REFUSING to allow us a fresh start modification, despite us providing evidence that we can now afford the payments.
2- on XX/XX/XXXX, XXXX XXXX XXXX claiming to be a representative from XXXX XXXX of WSFS Bank XXXX called me. He said that we had been approved for a loan modification. He gave me case # XXXX and said my mortgage payment would be {$1400.00} ( taxes & insurance ) and our interest rate would be 3.5 %. But first I had to pay an escrow balance of {$2000.00}. Believing that the loan had Ben sold by h investor and a modification had been approved, I gave XXXX XXXX debit card information to secure the loan. ( When I asked him to email proof of the loan modification, he said I had to pay an escrow balance first. ) After putting me on hold to process the payment, he returned to the phone and said that his financial system was incapable of processing my debit card or banking information. He instructed me to purchase XXXX XXXX XXXX or XXXX XXXX cards at {$500.00} each and call him back with the information. Sensing fraud, I called WSFS Bank to verify the loan information. I was informed that I was not in their system. When I did not call XXXX XXXX back with the prepaid card information, he called my phone 15 times in harassment. I finally had to block the numbers he was calling from.
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| 11/03/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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WSFS will not apply a principal only payment as instructed over numerous messages since the date of the payment at the end of XXXX. They are also not applying full payments to my account as of the day they come in.
Screenshots supporting all of the details below will be attached : Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Principal only payment of {$230.00} delivered on XX/XX/19 but not processed until XX/XX/19 and was NOT processed as principal only. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but will not processed until XX/XX/19.
WSFS loan statement dated XX/XX/2019 is missing the payment delivered on XX/XX/19 for my regular XX/XX/XXXX payment.
Message detail will be attached for the following : First message send by me on XX/XX/2019. Follow-up message sent by me on XX/XX/2019. Automated response by the company onXX/XX/2019. Another follow-up message sent by me on XX/XX/2019. First response by the company on XX/XX/2019 in which they stated they could not find XX/XX/2019 payment. Follow-up sent by me on XX/XX/2019 stating it would be the payment they had processed on XX/XX/19 that should be principal only. And that the payment they had processed on XX/XX/19 should be for my XX/XX/XXXX payment. Another follow-up sent by me on XX/XX/2019 again requesting that my payments be corrected. Yet another follow-up by me on XX/XX/2019. Company responded on XX/XX/2019 stating that all payments are held until the actual due date and additional payments for principal only need to be made manually by me. Response by me this morning on XX/XX/2019 is that I do not understand what manual payments are and that my XX/XX/19 still needs to be corrected to principal only and all subsequent payments correctly updated.
|
| 05/20/2022 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on my house in XX/XX/2020. At that point I paid {$480.00} to escrow for taxes and insurance. I then paid {$160.00} for each month for the escrow ( no payment in XXXX, because that was paid at closing, so XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 ).
The mortgage company, currently WSFS, who bought out XXXX XXXX XXXX, somehow handled by XXXX, is saying my escrow was not paid prior to XX/XX/2020 and they credited the wrong amount for 2020.
They are also stating they have no record of my account prior to XX/XX/2020. They are required to keep records for 7 years, but no one I have spoken to has been able to tell me how to follow up on finding these records.
Because the mistake was made so far back I have paid $ XXXX extra from XXXX XXXX to catch the escrow up. Despite paying this {$200.00} they are upping my payment again, saying that my escrow is still behind. All of this would be resolved if they had properly credited my account and I believe I actually have an overpayment of approximately {$1200.00} and thus don't owe a higher payment.
I have called repeatedly and they have refused to research the issue. I have spoken to 4 or 5 regular representatives, as well as one member of the escalation team. I have requested to be called back by a supervisor, but she called while I was in a work meeting and there is no way to call her back. When I called and asked to speak to her they refused to put the message in.
I also spoke with XXXX XXXX who was the bank representative who helped me with my closing. I have emails from him stating he agrees that the escrow is messed up, and he has spoken with many of his colleagues but reports he is also being told that no one knows who should handle this issue, WSFS, XXXX XXXX XXXX, or XXXX.
I uploaded copies of the cancelled checks to the WSFS portal and called today to confirm they are researching and they stated they would not be doing so until the ticket comes up in the list of tickets, on XX/XX/XXXX, and that each month will be researched separately.
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| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Today I received the attached letter from XXXX Bank, and what they continue to do to slander my credit should be illegal.
I have had no dealings with XXXX since XXXX of XXXX.
And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating.
XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them.
I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees.
They claim to have charged off an account on XX/XX/XXXX, this is not true.
On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up.
Since XXXX to present, my credit files were being dinged twice for duplicate false information.
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well.
And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX Bank XXXX
I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX.
In checking the XXXX, I have found that they have an ALERT, for XXXX, and they have 4,257 complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Loan estimate or other related disclosures
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Web |
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To Whom It May Concern, Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loan. It was a process and nightmare with the first mortgage, but somehow, I got it resolved in court in XXXX. The second loan did not get resolve by the attorney, so what they did they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time, but basically, they took advantage and collect money from the loan, knowing that I never had a Mortgage Company for the loan. A few years later in XXXX, I was served a court summons from this bank called XXXX XXXX XXXX XXXX XXXX, claims that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because the bank forges my husbands signature on the Mortgage documents of which he is not on the Mortgage. The loan is a lost document, and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed. I need to know how this can be right in the hands of the law. I never being into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. After XXXXyrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but moving forward knowing what they did is unbearable. I need someone assistance in this matter. Thank you.
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| 05/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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On XX/XX/2023, XXXX XXXX went to the XXXX branch of Wilmington Savings Fund Society ( WSFS ) and worked with XXXX XXXX XXXX to perform an international bank wire transfer in the amount of {$2700.00} to XXXX XXXX account at XXXX ( XXXX XXXX Code XXXX ) in XXXX. Beneficiary Partys XXXX No. is XXXX. To date, funds have not been received. WSFS has yet to provide a trace number, and XXXX bank in XXXX said they are unable to assist with the trace until they have been provided the trace number and a transfer confirmation number. Supposedly, a second bank wire transfer was made by XXXX XXXX with funds from an internal account at WSFS, and those funds also were never received by XXXX XXXX. XXXX XXXX confirmed nothing has changed with his bank account during this entire period.
Calls have been made to XXXX XXXX, at WSFS, on numerous occasions, beginning on XX/XX/2023, and on at least ten other occasions, with no trace number yet available. On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ), was transferred to the XXXX office of WSFS, then called her boss, XXXX XXXX, at XXXX, left them both messages to contact me, and have not heard from either XXXX of them. However, a XXXX from WSFS called me on XX/XX/XXXX and said she guaranteed a trace number would be provided to me today. XXXX made a similar statement on Fri, XX/XX/XXXX, during our conversation, and I never heard back from her on Fri, XX/XX/XXXX or Mon, XX/XX/XXXX. No response, as of yet as of XXXX XXXX XXXX.
At this point, all we want is for the {$2700.00} to be put back into XXXX XXXX account at WSFS XXXX branch. WSFS can figure out their issue of the bank wire transfers not being completed, if they so choose. Therefore, I understand a resolution is required within 60 days of submission of this complaint, so I expect the {$2700.00} be put back into XXXX XXXX account or we will have to other recourse but to seek legal counsel.
Sincerely, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX
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| 04/11/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Re : Case No XXXX in the Superior Court oXXXX XXXX XXXX Re : Attached Notice of Debtor Letters : Creditor Name : Wilmington Savings Fund Society , FSB, XXXX " WSFS '' XXXX Creditor Address : XXXX XXXX XXXX, FL XXXX Creditor Attorney : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached Exemplified Affidavit from the XXXX XXXX XXXX XXXX XXXX in the Superior Court of XXXX XXXX Plaintiff : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX not in its Individual Capacity but Solely as Trustee for the XXXX XXXX XXXX XXXX, XXXX " XXXX '' XXXX Attorneys for Plaintiff : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX Route XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Services Invoice submitted as Exhibit Y in Case No. XXXX Client : XXXX XXXX XXXX, XXXX " XXXX '' XXXX Client No : XXXX Account # XXXX Re : Attached SEC Response XXXX " Our records do not contain any information regarding XXXX XXXX XXXX XXXX. '' Dear CFPB, We are reaching out for your agency for assistance with obtaining proof of debt and proof of claim from XXXX, and/or XXXX, and/or XXXX.
Apparently, three parties are now alleging a claim Case No. XXXX in the XXXX XXXX of New Jersey ... .WSFS pursuant to the Notice Of Debtor Letters, XXXX XXXX to the exemplified affidavit and Prime pursuant to the XX/XX/2021 Professional Services by attorneys at the Law Firm of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
We dispute that any of the foregoing parties, WSFS, XXXX or XXXX have a valid claim and demand strict proof thereof.
Thank you for your assistance in ensuring that a verified proof of claim/proof of debt is provided, absent which the foregoing three parties and their attorneys are hereby directed to withdrawn and dismiss Case No. XXXX in the Superior Court of XXXX XXXX.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
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| 02/02/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Payment process
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Web |
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On XX/XX/XXXX, I received a notice from my credit monitoring software that my score had gone down from the XXXX range to XXXX range. Upon investigation, I found that WSFS Bank reported to all three credit bureaus that our XX/XX/XXXX payment was over 30 days late, when according to their own website ( attached ), and confirmation email ( attached ), the payment was confirmed on XX/XX/XXXX. After a brief discussion with officials at WSFS Bank, I decided to simply file a dispute with all three credit bureaus. After a week or so, all 3 credit bureaus reported the WSFS records were " accurate '' ( according to WSFS ), even though I attached the same confirmation documents as I am attaching here. The bureaus said their " hands are tied '', so I went back to WSFS and spoke with a " Manager '' name XXXX. She confirmed that the transaction was completed on XX/XX/XXXX, but informed me that the bank would not adjust the payment date according to the actual confirmation date because " they don't process payments on the weekend ''. We are at the mercy of their processing, if you make a payment at the end of the month, and basically they will report you past 30 days to the credit bureaus even though 30 calendar days has not past. Under FCRA, " if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' Obviously, this bank does not care that their own internal policies are not only creating conflicting/inaccurate information, but also unfair, and goes against the very nature of the FCRA to protect consumers from banks and the bureaus doing whatever they want.
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| 01/16/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The XXXX XXXX in concert with Wilmington Savings Fund Society FSB are trying to steal my Property using deception -- an unlawful cloud on title or fraudulent transfer recorded with the XXXX County Recorder of Deeds XX/XX/XXXX. Although sued by the Whole United States ( the U.S. Justice Department in conjunction with virtually all 50 state attorney generals, including the state attorney general for Illinois ), XXXX using one of its non-bank subsidiaries or foreign corporations ( XXXX XXXX XXXX XXXX ) filed a series of foreclosure-related evictions against me, but failed to execute the wrongfully obtained possession orders in the defunct business 's name. Now in a third suit it has obtained a possession order in Wilmington Savings Fund Society FSB 's name, falsely representing to courts that the subject property was sold to this trustee plaintiff. Both corporate plaintiffs provided no proof of an actual sale for value ( ex. current property inspection report, purchase contract, title report, etc. ) ; only a " quitclaim deed '' paired with the wrongfully obtained orders. The possession orders are pending the disposition of a petition for leave to appeal filed with the Illinois Supreme Court. Still, the corporate plaintiffs and their counsel continue to engage in frivolous, fictitious filing so as to threaten, harass and intimidate me with unlawful eviction. Their last motion was filed in the circuit court around XX/XX/XXXX, seeking an extension on the time to enforce the eviction order that is in question. It is my contention that neither companies have any rights in the property. Their purported right to possession arises from an unauthorized foreclosure that the executive branches of government successfully prosecuted them for. The XXXX County States Attorney even found that Housing Discrimination was involved.
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| 03/16/2021 |
Yes |
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- Trouble during payment process
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Web |
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XXXX told me to let my mortgage get 2 months behind to get a modification instead of refinancing to remove my exhusbands name. Up to that point my mortgage was on time every month with additional payments. XXXX gave me the modification I made 2 payments on time in XXXX the 3rd payment they cashed but did not apply until XX/XX/XXXX so the modification became void. Servicers changed to XXXX XXXX XXXX then XXXX each time I applied for the modifications I was approved, ( making the payments was never an issue ) But the modifications were numerous documents sent some lost reapplying for every servicer more lost payments. I requested a breakdown of my account since payments were never applied to the principal all I received was a print out of dates and amounts when I questioned where the Journal entries debiting the credits for payments were applied I was told that they did not have those records The balance was what I owed. I requested this from every servicer. The last modification was approved in XXXX of XXXX 3 days before XXXX XXXX had their attorney file the foreclosure judgement. I have been trying for 10yrs to just have my mortgage principal be the correct amount and make the payments on what I owe. Instead of letting me do that the banks and servicers seem intent on evicting me a single mother out of her home. My mortgage was {$120000.00} with out the missing money applied the value of it is {$460000.00}. I believe it is because they want the extra money because I am a single mother and because of my ethnicity. Or why would XXXX consistently tell me they were considering a modification even after the Judgement only to deny it because it was to much in arrears or because XXXX was to close to the XXXX sale date. This is the discrimination that is consistent with Banks and unjust.
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| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023, I received the following email from WSFS : " We recently sent you a new WSFS Bank Visa Debit Card, equipped with advanced contactless technology. Please note there was a delay in the mailing of your new WSFS Bank Visa Debit Card. If you have not yet received your new debit card, you can expect it to arrive today or tomorrow. We apologize for the inconvenience.
Its important to activate your new debit card as soon as you receive it, as your current debit card will expire today, XX/XX/2023. To activate your new debit card please follow the instructions on the sticker. '' I did not realize that the email arrived 1 day before the card was set to expire and not having received the card on XX/XX/2023 or XX/XX/2023, I tried to use the card at a vendor on XX/XX/2023. The card was declined and when I called to have the Bank honor the transaction, I was told that ( 1 ) replacement card was mailed on 1/5/203, ( 2 ) they can't honor the expired card and ( 3 ) that I should use my business card and then seek reimbursement. I explained that I did not receive any cards and that I did receive an email on XX/XX/2023 that the cards were delayed. I was told it should be there today ( it was not ) and advised to use a business card for my personal purchase. Neither the delay or the unprofessional advise is acceptable for a regulated entity. I had to incur a 3 % fee to use my credit card because WSFS did not send me a replacement card timely and refused to honor a point of sale transaction. I ask for reimbursement of {$8.00}.
Moreover, when I later stopped by a branch about this problem, I was told that many customers have come in with a similar issue i.e. that the debit card was not working.
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| 08/28/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt.
My mortgage servicer, XXXX XXXX XXXX XXXX XXXX violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status.
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an XXXX to XXXX ( XXXX ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action.
XXXX XXXX XXXX XXXX XXXX did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt.
This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.
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| 12/14/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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XXXX months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected XXXX with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? WSFS is tied to XXXX and need to force them to honor this agreement.
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| 07/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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i put my car up for sale on XXXX, then a gentleman ( scammer ) by the name of XXXX XXXX XXXX messaged me aout the car. then he sends me a check that turned out to be fictitious/altered but before i knew it was a fake check he sends me a check for XXXX and then have what i was selling the car for minus the check remaining XXXX dollars to be sent XXXX XXXX and XXXX XXXX XXXX then found out about a week or so later that check was fake but he sent me another check saying that " there was an issue on my ( scammer ) s end ). Then both money services rejected money transfers after about a day or two and said that something went wrong and i was refunded, and the buyer knew that it didnt go through since his car transporters were not able to get the money. then the buyer has me send it through XXXX, gift cards ( which i did send cause he claimed it was to pay the transporters to come down to pick the car up ) wire transfer. got really worried once i started seeing that he wanted me to send it to different names. i have all text messages regarding the sale along with pictures of the checks, transfers, gift cards and where the gift cards were used, and and other names used ( some with bank account numbers with bank address, XXXX transfer email, that were used in this false sale and now my bank locked me out of my account til i pay this XXXX which current amount left to pay is XXXX the bank was not able to cancel or stop anything except the second check that was deposited. again i have all info on my phone
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| 11/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I was recently a victim of Identity Theft with several fraudulent accounts opened in my name. Shortly after putting a fraud alert on my credit report and working to close the fraudulent accounts, I received a " welcome '' brochure from WSFS bank with no other information. I called them immediately to make sure that their weren't additional accounts opened at WSFS. Customer service assured me on XXXX occasions that while there was a profile created, there was no account opened. They don't seem to have any fraud or ID theft department and were rather uninformed about banking fraud.
2 months pass and I receive delinquent loan notices from WSFS 3rd party loan servicing partner, XXXX. I did not apply for nor accept the terms of this loan, I didn't even know about it. Turns out WSFSXXXX did issue a loan to some fraudster and WSFS did nothing to protect me or notify me. In fact, the 2 entities - WSFS and XXXX don't seem to communicate at all, particularly not about banking fraud and consumer identity protections. When I inquired, WSFS incorrectly told me there was only a profile created, no account in my name/SSN and yet they issued a large loan through XXXX. If they had better procedures and controls in place, I would have been notified sooner and perhaps they could have saved me yet another incidence of my identity being used to fraudulently open accounts/loans. Once I did learn about the loan, WSFS was completely unable to assist me. No consumer protection whatsoever.
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| 10/05/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Older American, Servicemember |
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Our home equity loan of XXXX which was originated with XXXX was transferred to WFSF. The loan was paid in full and we received a letter stating that it was paid in XX/XX/XXXX. We are going to settlement on a new house and through the title search we found that WSFS had not notified the XXXX XXXX Recorder of Deeds of the transfer of the loan or that the loan was satisfied. The buyer 's lawyer contacted WSFS and was told to forward the title search and a request for a copy of the mortgage satisfaction. This was sent by the law office via email. No action was taken by WSFS for weeks. I called the customer service line on XXXX and was told that I needed to submit a copy of the title search and a request for a copy of the mortgage transfer. I went to a branch office on XXXX since we were settling on XX/XX/XXXX to see if I could get any help in expediting the process. I was sent a letter stating that the loan had been paid via email and forwarded the same to the recorder of deeds. The recorder of deeds informed me onXXXX that WSFS had not provided the necessary documentation to clear the loan. She stated that WSFS was aware of the process that needed to be followed. I called the customer service line and was told to provide a copy of the title search and a request for a copy of the loan satisfaction document and that it would take 2 weeks, meaning we won't be able to settle on our house.
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| 09/24/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage.
I, XXXX XXXX am the trustee, estate representative.
XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents.
The property is currently ( XX/XX/XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer.
This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal.
In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender.
*** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!? ***
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| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/2020, Pennsylvania ordered an eviction and foreclosure moratorium. Per the order, any XXXX XXXX notice sent after XX/XX/2020 would be considered as sent on XX/XX/2020 after the order expired on XX/XX/2020. For reference, please visit : https : XXXX % XXXX % XXXX % XXXX Borrowers were sent an XXXX XXXX notice on XX/XX/2020. Therefore, that notice should have been deemed to be sent on XX/XX/2020 and borrowers should have had XXXX days to consult with an approved XXXX Credit Counseling service. Instead, however XXXX filed a XXXX XXXX XXXX XXXX. 2020 XXXX XXXX XXXX on XX/XX/2020. That premature and unlawful foreclosure action caused the following : - Borrowers were negotiating their Loan Modification after the Foreclosure was filed, and were already in a position of severe disadvantage in negotiating a fair modification because the date for Borrowers to answer the Foreclosure complaint was quickly approaching and Borrowers did not want the legal proceedings to continue.
- Borrowers were left with little choice but to agree with the XXXX viable option presented to them for Modification which included a payment that was nearly {$1000.00} more than their original payments had been.
- Borrowers were assessed a significant amount of fees related to the Foreclosure action which should never have been assessed because of the premature and unlawful Foreclosure filing.
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| 03/09/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Wilmington Savings Fund Society FSB has retained XXXX XXXX XXXX to non-judicially foreclose an alleged debt allegedly owed to Wilmington Savings Fund Society FSB.
XXXX XXXX sent me documents titled " Notice of Acceleration and Foreclosure '' and " Notice Pursuant to FDCPA '' in which it states that I owe Wilmington Savings Fund Society FSB, that Wilmington Savings Fund Society FSB has retained it to sell my home at auction, and that default has occurred under a " Security Deed ''.
XXXX XXXX has not and refuses to provide me any documents identifying the terms of this " Security Deed '' or terms of the alleged debt.
I spoke with Ms. XXXX XXXX with the Trust Department at Wilmington Savings Fund Society FSB late last week and she confirmed that I do not owe Wilmington Savings Fund Society FSB any money, I have no account with Wilmington Savings Fund Society FSB, and that it did not initiate any foreclsoure action against me. She also confirmed that Wilmington Savings Fund Society FSB, unwittingly, has been used in the past to hide mortgage foreclosure fraud through its Trust Department by debt collectors.
Neither Wilmington Savings Fund Society FSB or XXXX XXXX have provided me with any proof of the alleged debt yet both are continuing to collect an alleged debt from me by threatening to publish a notice of sale in the XXXX XXXX XXXX.
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| 04/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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In the mail I receive an Unavailable/Insufficient Funds Notice from the WSFS bank . For {$31.00} I order a product from a XXXXXXXX XXXX XXXXXXXX XXXX catalogue. The check does not reach a WSFS branch bank in this amount. The notice says I wrote a check number XXXX in the amount of {$2100.00}. A branch of WSFS calls me and tells me about the amount I did not write on check number XXXX. The next day I enter a WSFS branch, show them the duplicate copy of a copy I wrote in the amount of {$31.00}, plus I bring other information the branch may use to correct what I did not do. They close the account, fill-in and print-out forms to send to places I receive a direct deposit of money from, and order a set of checks for me. The next day I send the forms to the State of Pennsylvania and to the Social Security Administration in XXXX XXXX Pennsylvania. In the mail I receive notice from the State of Pennsylvania that on XX/XX/2022 the given amount will be deposited into a checking account. What happens the amount is deposited in a " closed account. '' Immediately I walk into a WSFS branch and I learn the money is deposited in the same account number not the new account number. The Social Security deposit I do not learn if it is the new checking account. In the mail I continue to receive " Unavailable/Insufficient Funds Notice '' from WSFS.
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| 08/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
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Web |
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I was selling a dress on XXXX and " XXXX '' sent me a message asking for pictures to be sent to her email address. We then began communicating via email and she said her daughter wanted the dress and that she could only pay through money order. A couple days before it arrived at my address, she stated her husband mixed up their bill payment ( money order ) with the one for me. The amount I was supposed to recieve for the dress as XXXX dollars although te money order came with {$850.00}. I deposited the money order and waited for it to clear into my WSFS bank account before sending the remaining " bill money '' back to her. They did actually show up in my account which is the only reason I sent the money over. Using XXXX, I sent her the remaining funds {$770.00} to her zelle account which is also through WSFS. A couple days after that I looked at my account and noticed the money had been removed by the bank due to them realizing it was fraud check and I discovered the XXXX for the money order was actually my money being removed since the check was fake. Not only did WSFS deduct additional funds but I could not recover my funds from the buyer, XXXX, or the bank. This was the remainder of my savings and was also bill money now I am behind on all my bills. There was also another person fowarded in the emails called XXXX?
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| 01/26/2024 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the XXXX, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX XXXX XXXX XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # XXXX,
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| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank.
Mobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX to XX/XX/XXXX XXXX XXXX when WSFS security department suddenly restricted the account.
Representative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block.
COMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's account.
COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport information ).
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| 10/24/2023 |
Yes |
- Mortgage
- Reverse mortgage
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
Older American |
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The purpose of this notification is to address my situation with a foreclosure action, on a reverse mortgage, enacted by the Wilmington Savings Fund Society against my cousin.
My cousin was diagnosed with XXXX and could not respond to notifications. As a relative, I tried to intervene to address the issue but was denied requested information.
There was an initial auction on XX/XX/2023, for {$90000.00}. That auction did not go through. There was a secondary auction on XX/XX/2023, for {$60000.00}. However, that did not go through. Prior to and during the auction proceedings, I submitted my interest, to the sheriff, in purchasing the property.
After the second auction, I found out that Wilmington Savings Fund Society purchased the property, and no further auctions were to take place.
I continued to show interest in purchasing the property, however, no matter what method I used, I have not received a reply.
On XX/XX/2023, I was contacted by a court representative stating the Wilmington Savings Fund Society has requested that I be evicted from the property. To date, despite my efforts, I have not been provided with the chance to discuss this issue with appropriate individuals.
I do state again, my interest in discussing the current asking price for this residential property.
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| 07/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Wilmington Savings Funds Society owns my mortgage. They hired a mortgage servicer named XXXX XXXX XXXX XXXX ( XXXX ) to service my loan. Now XXXX have mismanaged my mortgage not applying payments correctly and now I have a delinquency notice even though I have made all payments, In addition my adjustable rate mortgage is adjusting upward approximately 1.5 % in XX/XX/2022. I have been informed Verbally of XXXX things. XXXX that I am not Delinquent and XXXX that my monthly mortgage payment will go down more than {$100.00} per month. I asked if my interest rate is increasing how can my monthly payment go down? They had no answer. I asked if the terms of the loan is being changed and was told no. Still the question is how my rate can increase and my monthly payment go down? My monthly payment can not go down if the terms of the loan don't change. Obviously Wilmington Savings Funds Society and XXXX are colluding to increase their interest profits by illegally changing the terms of the loan. My note terms can not change by contract. The only thing that is allowed to change is the interest rate. Illegal activity is taking place on my account by Wilmington Savings Funds Society by hiring such a corrupt and unethical company to service my loan.
|
| 12/08/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Re : NOTICE OF DEBTOR LETTER FROM SUPERIOR COURT OF NJ NAMING WILMINGTON SAVINGS FUND SOCIETY , FSB, ( WSFS ) AS CREDITOR RE : XX/XX/2020 LETTER FROM WSFS 1-PLEASE PROVIDE A TRUST AGREEMENT BETWEEN WSFS AND PRIMESTAR-H FUND I TRUST AS EVIDENCE THAT WSFS IS A TRUSTEE FOR PRIMESTAR-H FUND I TRUST 2-PLEASE PROVIDE THE DOCUMENTS WSFS AS TRUSTEE FOR PRIMESTAR-H FUND I TRUST IS RELYING ON TO ASSERT THAT WSFS IS TRUSTEE FOR PRIMESTAR-H FUND I RUST IS THE CREDITOR.
3-PLEASE PROVIDE DOCUMENTS AND CONFIRMATION WSFS AND/OR WSFS AS TRUSTEE ARE LOCATED AT XXXX XXXX XXXX, XXXX FLORIDA XXXX AS IS THIS IS THE ADDRESS NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.
4-PLEASE PROVIDE DOCUMENTS OF TRUST REGISTRATION.
5-PLEASE PROVIDE NEW JERSEY CERTIFICATE OF AUTHORITY FOR THE PRIMESTAR-H FUND I TRUST.
6- PLEASE PROVIDE REPRESENTATION AGREEMENT BETWEEN WSFS and/or WSFS AS TRUSTEE AND THE ATTORNEY FIRM NOTED ON THE ATTACHED NOTICE OF DEBTOR LETTER.
7-PLEASE PROVIDE ALL DOCUMENTS THAT WSFS AS TRUSTEE PRIMESTAR-H FUND IS THE CREDITOR.
WE DISPUTE ALL CLAIMS BY WSFS AS TRUSTEE FOR XXXX FUND I TRUST.
WE DEMAND THAT WSFS TAKE IMMEDiATE ACTION TO DISMISS THE CASE NOTED IN THE ATTACHED NOTICE TO DEBTOR LETTER.
THANK YOU, XXXX XXXX
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| 07/01/2021 |
Yes |
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- Trouble during payment process
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Web |
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Wilmington Savings Fund Society DISCRIMINATED AGAINST ME along with the servicer they hired. Their servicer XXXX XXXX XXXX in an attempt to hide the discrepancies in my loan repeatedly sent illegible ledgers showing the payments made and where they were applied. Meanwhile claiming there was no record of any payments on the modifications. I repeatedly disputed the validity of the balance due to every servicer, the law firm, and the referee only to have my disputes ignored. Their law firm submitted fraudulent and false documents affirming the amounts due were correct. The amounts affirmed by XXXX employees are incorrect. XXXX has admitted in bankruptcy court they did not verify loan balances yet they lied to the court and said they did. XXXX also did not validate the amounts due. They even purchased my loan proceeded to foreclose on my home without a valid assignment and ignoring a modification in place. They discriminated against me and denied me my legal right while their servicer and law firm XXXX XXXX XXXX XXXX committed fraud upon the court anyone with a foreclosure being brought by XXXX XXXX XXXX XXXX should review their paperwork. I reviewed dozens of their cases many had document issues.
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| 10/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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My Loan was transferred from Specialized Loan Servicing ( SLS ) to WSFS Bank to start payment in the month of XXXX. My wife and I are co-borrowers on the loan so we each pay half. I make XXXX payments for my half of the mortgage. {$140.00} every XXXX weeks then my wife also pays her half of {$280.00} once a month. I mistakenly sent the old servicer ( SLS ) {$140.00} on XX/XX/XXXX for a portion of the XXXX payment. They no longer serviced the loan at at that time so they sent the payment to WSFS Bank to be applied to my XXXX payment. That payment was never applied. I made XXXX other payments of {$140.00} to WSFS Bank on XX/XX/XXXX and XX/XX/XXXX in order to pay my XXXX balance. I called XXXX to see if they sent the payment and they sent it to WSFS on XX/XX/XXXX ( See Attached Payment log ). WSFS is showing no record of it and said that they would research it. That was on XX/XX/XXXX when someone called me to let me know my payment was late. They then stated they would research it again on XX/XX/XXXX when I called to ask about the payment.
They Payments has still not been applied to my loan and I don't know where it is
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| 11/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX, through its counsel, XXXX and XXXX, is illegally foreclosing on my home. The deed of trust was not properly notarized because my ex husband did not sign it in the presence of a notary and his signature was not acknowledged. See Murray v. Wells Fargo Home Mortgage, 953 And 308, 318 The notary acknowledged himself and not the borrower. The document is dated XX/XX/2006 but was signed on XX/XX/2006. The document was signed at XXXX XXXX XXXX XXXX in Washington DC. It is notarized by a Maryland notary who was not present.
The settlement was scheduled for XX/XX/2006 but the documents were brought to the XXXX XXXX address on XX/XX/2006 by two women and Mr. XXXX signed them while under the influence of alcohol. There is a stamp stating XX/XX/2006 in the lower right corner.
Mr. XXXX was not in Maryland on XX/XX/2006 nor on XX/XX/2006.
There is title insurance which was originally with XXXX XXXX XXXX XXXX XXXX which was bought by XXXX XXXX XXXX XXXX XXXX. I have begun the claim process with them.
Wilmington Savings Fund Society chooses to illegally foreclose rather than to resort to lawful methods.
|
| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Lien Removal not recorded after refinance. My parents refinanced our house over 10 yea
rs ago from XXXX XXXX XXXX to XXXX XXXX, and the balance from XXXX XXXX XXXX was paid off as part of the refinance. However, XXXX XXXX never removed the lien with the county. So when my parents deeded the house to me and I tried to sell it, the escrow company is withholding the proceeds due to this unrecorded paid-off lien.
I contacted WSFS Bank who acquired XXXX XXXX XXXX over the phone multiple times and faxed the documentation on XX/XX/2020. Their response has consistently been that they don't even have this loan on their system and they needed to research it more. And since this loan was not on their system, they could not issue a " case number '' to keep track of this inquiry. So every time we contact them, they have to restart and " look into it '' again and again.
My complaint is that this lender ( XXXX XXXX XXXX, and successor, WSFS Bank ) failed to record the lien removal for over 10 years and is causing lost of income/interest from the proceeds from the sale of the house ( sold in XX/XX/2020 ).
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I have an estate account for my grandmother at WSFS Bank. The estate settled but the account is still pending federal tax payments. As a result, I have not had any activity. However, I visited the Wilmington branch and they said if I left {$500.00} in the account I would not be charged fees. I left {$600.00}. I was then charged inactivity fees so called and was told they would refund the fee and it was a mistake.
But, I started to be charged fees again. I called and was told again that the fee was a mistake, they would waive the fees and I didn't need to do anything else.
I started to be charged fees again. I called and spoke to several people, including a Wilmington branch manager ( which by the way she called me honey which was inappropriate and degrading ), she said theres nothing they could do I needed to make a deposit to stop the fees. And would only waive a portion of the fees. However, this is an estate account and I thought legally I was not allowed to make transactions unrelated to the estate.
I am asking for all of my fees to be returned which is totals around {$80.00}.
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| 01/20/2022 |
Yes |
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- Trouble during payment process
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Web |
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After numerous copies and complaints, XXXX XXXX XXXX concedes that modification payments were made to XXXX and XXXX but are not reflected in the foreclosure judgment balance.
All the affirmations made upon the court are incorrect as to the balance of {$120000.00}. They also concede that a modification was approved but was not given to me. But after conceding to these facts they state there is nothing they can do since the home was sold at a foreclosure sale and they no longer have anything to do with the property. They state the loan holder ( Wilmington Savings Fund Society , FSB d/b/a Christiana Trust, not individually but as trustee for XXXX XXXX XXXXXXXX XXXX ) at the time of foreclosure. is still the loan holder and it is their responsibility to correct any issues. XXXX states they are only a servicer and the loan holder can only make the corrections.
XXXX states XXXX is responsible I would think the LOAN HOLDER is not the servicer. I am tired of going back and forth someone is responsible. I believe they have repeatedly discriminated against me ignored the facts,
|
| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
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SINCE WSFS BANK IS THE BANK BEHIND XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX DEPOSIT ACCOUNTS, this complaint is directed towards this bank for not supervising the regulatory requirements that goes with XXXXXXXX XXXX license especially when UNAUTHORIZED TRANSACTIONS HAVE BEEN PROMPTLY REPORTED. A police report has been made to XXXX XXXX of the XXXX POLICE DEPARTMENT ; Report XXXX To dateXXXX XXXXXXXX XXXX intentionally REFUSES to post an available credit totaling {$2900.00} which is the total amount of XXXX direct deposits made into the account on XX/XX/2023 and XX/XX/2023, respectively. On XX/XX/2023, XXXX supposedly issued provisional credits but HAVE NOT MADE THESE CREDITS AVAILABLE FOR USE which has caused insurmountable financial losses since i have not been able to pay any bill and due to this, i have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs ; an adverse reaction to the benefits advertised by XXXX XXXX XXXX XXXX 's promotional advertisements claim of helping to " build credit ''.- on the contrary, they have destroyed my credit.
|
| 01/18/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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XXXX XXXX Date :XX/XX/XXXX-XX/XX/XXXX Situation : XXXX XXXX refused to disclose the arrival of XXXX tokens from XXXX XXXX XXXX for a total of XXXX dollars via direct deposit from XXXX XXXX 's Bank Account at XXXX XXXX XXXX ( nickname XXXX ).
I called Attorney General XXXX 's office and used his help desk line and was pair with the Consumer Financial protection Bureau ( CFPB ), they generated the investigators and forwarded to the FDIC who validated my complaint and Office os Comptroller of Currency who issued the XXXX Ticket number for the docket for XXXX dollar settlement from XXXX XXXX XXXX XXXX XXXX, Original solution : first attempt was on XX/XX/2019 at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX | XXXX, Pa.. The United States Bounty XXXX read a message from XXXX of XXXX plays with ( 3 ) Gold Awards and reward of XXXX dollars and did not complete the task of Extradition of XXXX XXXX.
Solution : PLEASE HAVE THE CARRIER TAKE OFF THE XXXX EQUIPMENT AND REDELIVER COURT GRANTED SETTLEMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PH ; XXXX
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability
|
| 09/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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My mortgage is with WSFS and I am set up with automatic withdrawal. In XXXX of 2020 they took 2 payments from my checking account. I contacted them immediately, they acknowledged the error but it took them 10 days to refund my money because they said they had to be sure it had cleared my account. It happened again with my XXXX payment, they took 2 payments. I called their customer service line and they told me that if I could send them a copy of my bank statement showing that it had cleared they could refund the money immediately. I sent that to them immediately yesterday and today received an email from them saying I had to call instead. I called and they said they couldn't anyone in the right department to help. I insisted on talking to a manager and after holding for over 10 minutes I had to hang up for a meeting. I still don't have the money back and I have provided them proof from my bank that it has cleared. I need my money back and more importantly they have not yet told me why this has happened 2 out of the 3 last payments.
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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Submitted XXXX disputes to my financial institution regarding transfers out of my account to money transfer platforms such as XXXX, XXXX and XXXX. These transfers were over a period of several weeks. I put in disputes with the platforms as well as my bank. I spoke with a representative on Monday XX/XX/XXXX and it was made clear to me that she would let me know her determination in 1 to 2 days. I did not hear from the representative. I called the bank on Friday XX/XX/XXXX and to my dismay the disputes were denied. I called on Monday XX/XX/XXXX and spoke with a different representative asking that a manager please reach out to me regarding this matter. No phone call was received. I called again on XX/XX/XXXX and spoke with a supervisor who escalated this to a manager with high regard, again no phone call was received from a manager at WSFS. I submitted a police report to my financial institution and have screenshots of the unauthorized transactions/transfers from my bank account through these platforms.
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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To date, XX/XX/2023, after multiple emails and contacting the XXXX " Emergency Support '' and their XXXX Department and giving them the filed police report information, the " provisional credit '' still has NOT BEEN POSTED as available credit to my account. This violates the terms and conditions of the XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX 's " ZERO LIABILITY '' policy. This also violates the Cred.Ai deposit account agreement by not reporting the proper balance into my account. This intentional negligence and multiple agreement violations has caused insurmountable financial losses and infliction of continuous emotional distress and extreme stress ; I have been evicted, lost my car and my credit worthiness has drastically diminished.
WSFS Bank and XXXX XXXX XXXX XXXX dba XXXX FAILED to protect my account by providing " 2-way fraud text alerts '' and aTeam of Anti-Fraud Specialists to monitor my XXXX credit card and online banking activity for changes to accouont 's regular banking patterns.
|
| 06/09/2021 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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I have repeatedly tried to get ANYONE to see what this Company did along with XXXX XXXX XXXX and XXXX. If I get nowhere with my complaints I have no alternative but to have the XXXXXXXX XXXX XXXX file litigation in Federal Court. XXXX did not honor XXXX modification offered to me in XXXX of 2016. I was unaware that they were obligated to at the time. When I inquired about the modification XXXX had me complete another application. I sent a completed application to XXXX they claimed they were missing one document. The letter to me is dated XX/XX/2016. I sent the other document again and waited for yet another modification. Instead, I received a notice that they had received Judgement on XX/XX/2016. When I inquired why none of the modifications were honored they stated it was too late judgment was entered. This was pure discrimination between recorded remarks from employees ( stating I should have just paid the mortgage then I wouldn't have to worry about a modification ) and the way I was treaed.
|
| 06/25/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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Loan Number XXXX This complaint is involving WSFS Bank XXXX XXXX XXXX, XXXX, DE XXXX a second loan that was closed in XX/XX/XXXX for {$65000.00} with no prepayment penalty. Per my last statement dated XX/XX/XXXX my principal balance is {$620000.00}. Due to the high interest rate of the predatory loan at a XXXX. I looked at the option to refinance to a lower rate. I requested a payoff statement to refinance to a much lower rate. At the height of the covid19 pandemic I had a mortgage deferment of 6 months. My monthly payment for the loan is a total of {$490.00}. The breakdown is {$340.00} interest and {$140.00} principal. I resumed monthly payments earlier this year. The account is current on my behalf. The only payments that I should pay is 6 months of regular payments. WSFS is charging me a lot of extra interest fees, satisfaction fees, etc. When this loan has no prepayment penalty. This is predatory lending at its worse that continue to devastate our communities.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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|
Web |
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I am writing regarding a concern about an action taken by WSFS on all of their customers, including myself. On XX/XX/2023 at the end of the day, just before a holiday weekend, WSFS blocked all of their customers from access to their personal online banking. The only way to access one 's account was to read, analyze, and agree to 14 pages of legal documents ( small print ). As a successful businessman I can tell you that it was more than I could even understand in a short time.
Further, when I contacted the regional manager for WSFS, he lied to me, telling me that I was merely acknowledging the receipt of the terms, not necessarily accepting them. This is not true.
I contacted 5 members of the executive team and wrote a certified letter to the legal team asking for the terms to be explained to me, but they have not responded.
I don't understand the rules of banking, but I feel that holding people 's money hostage like this could, or should, be illegal.
|
| 02/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
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XXXX XXXX XXXX prepared loan modification documents for someone that did not have ownership interest in a property that was in probate when my mom passed away. The home was later distributed to the heirs to my moms estate, which included me. XXXX is shown on the loan modification as the servicer and lender. XXXX XXXX is shown as the borrower and owner, but he had no ownership interest in the property. The derivation clause was left blank and the signature of XXXX XXXX was not notarized. While the modification was never recorded, it was later sold and when XXXX XXXX defaulted on the void modification, the current servicer filed for foreclosure on the original mortgage and didnt mention the modification to the court. I asked the court to vacate the order allow the foreclosure of the note and mortgage as the payment terms in the complaint did not match the deed and mortgage. In responding to the motion to vacate, the new lender introduced the modification.
|
| 09/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX OF XXXX GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE HOME WAS NOT ABANDONED BY THE XXXX NOR THE XXXX XXXX XXXX DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS, THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE WAS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY!
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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{$4800.00} was stolen from my account at WSFS bank. Someone stole my {$18.00} check from mail, crossed out the original amount, wrote the new one underneath and deposited using the ATM. My bank did not see any red flags with that check, that was clearly a fraud and released my money to that person. I reported this to the bank location and to police. I was told at the back that they would need up to 90 days to investigate the incident. They refused to do the provision of credit. I don't know how that kind of a check could be accepted by any American bank and why I have to pay for their mistakes. Needless to say that I am finishing my XXXX relationships with that bank. I can not do it until I get my money back. I am asking you to help me to get at least a provision of credit. I need to be able to pay my bills. I know other banks do that. The way I was treated at that bank is unacceptable after all these years I stayed loyal to them.
|
| 12/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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My husband and I applied for a mortgage loan and had to sign off on the credit report however, on the report from all 3 credit report agencies it shows I have the exact same loan with a different account number open on the report and the same open date, etc meaning 2 active student loan accounts. I contacted my current loan agency and can attach their response ( it wouldnt allow me ) to me but in a nutshell they say I only have 1 active account on their end but they think the last account holder never closed the loan out after they sold it to them. The creation date for both is XX/XX/XXXX the last loan agency handled my loan until XX/XX/XXXX and then it went to my current loan agency. One loan says I owe {$36000.00} and the other {$36000.00}. This is affecting everything I apply for when it comes to credit and its not even my fault. I need help, please.
I have lots of documentation via email about this.
|
| 07/11/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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Wilmington Savings Fund Society owns my second mortgage. The servicing company representing WSFS for this second mortgage, XXXX XXXX XXXX, took over servicing this second mortgage in XX/XX/2019. For the first payment for XX/XX/2019 XXXX sent me a bill for {$1400.00} in overdue fees. Without explanation in writing or over the phone, XXXX immediately put negative and false information on my 3 credit files which is a violation of FDCPA. For whatever reason XXXX removed the {$1400.00} after approximately 7 months. But statebridge will not remove the false credit information. Further, XXXX charged an additional {$90.00} in overdue fees without any explanation prior to charging the fee. This second mortgage prior to XXXX involvement was managed without incident for approximately 5 years with XXXX XXXX. XXXX has violated NC GS 75-1.1 for fraud and mismanagement in addition to violations of FDCPA.
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
My original mortgage was with XXXX XXXX and as part of their mortgage package they offered a rate renewal for the cost of one months mortgage payment for the life of the loan. The mortgage note is currently held by XXXX XXXX in Delaware. I have attempted to contact them several times by phone and email in XXXX with no return calls or emails. On XX/XX/XXXX I contacted the office in Delaware and expressed my desire to renew my mortgage rate as per the terms of my original mortgage. Later that day I received a call from a loan officer and after explaining to him about the XXXX rate renewal he told me that since they now held the note the terms of my mortgage were no longer valid and I would have to go through their mortgage process if I wished to renew. I told him the terms of the original mortgage are to be retained no matter who is holding the note. At that point the conversation ended.
|
| 08/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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WSFS Bank is harassing me in collection of mortgage debt. They are calling two phones number resulting in multiple calls per day in many cases. The dates they have called are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/23/2022 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XX/XX/2022 at approximately XXXX XXXX, XXXX debit transactions totaling {$650.00} to XXXX XXXX XXXX XXXX CA XXXX were processed by WSFS. I discovered the transactions on XX/XX/2022 and reported the disputed charges to WSFS. WSFS advised that a claim to have the disputed charges investigated was being submitted. On XX/XX/2022, WSFS assessed a {$35.00} overdraft fee to my account. I called and disputed the overdraft fee considering that the account became overdrawn due to the banks negligence and failure to appropriately monitor and flag the account for fraud. I received an email from WSFS XX/XX/2022 containing a survey regarding my visit to the XXXX XXXX XX/XX/2022. I did not visit the XXXX XXXX on XX/XX/2022 or any other WSFS Branch. There are some bank negligence issues and security breaches that need to be addressed at this financial institution.
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Dear CFPB, Attached please find : 1-Notice to Debtor letter from XXXX Courts naming WILMINGTON SAVINGS BANK, FSB, ( WSFS ) as the creditor, 2-XX/XX/2020 letter from WSFS advising that it a trustee for the XXXX XXXX XXXX XXXX
3- CERTIFIED COPY of XXXX County , NJ Deed Instrument # XXXX.
On the NJ State Government document -Seller 's Residency Certification Exemption- included in the deed, WSFS, not in its capacity but solely as TRUSTEE for the XXXXXXXXXXXX XXXX XXXX XXXX checked off box # 5 which certifies that " Seller is not an individual, estate or trust and is not required to make an estimated gross income tax payment ''.
We demand that WSFS dismiss the case they filed in XXXX Courts pursuant to their admission that they are not the creditor and that XXXXXXXX XXXX XXXX XXXX is not a trust.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 07/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Back I'm XX/XX/2020, I was defrauded by someone that accessed my XXXX account through my Wilmington Savings Fund Society checking account in the amount of {$950.00}. When I reported the fraudulent action to my bank, a bank customer support representative submitted my information to the bank 's fraud department and after weeks and weeks of going back and forth to the bank and calling on numerous occasions seeking answers, I was informed that the customer representative who was working on my case had transferred to another state and no one else ever attempted to assist me with this matter. I eventually became frustrated at their lack of effort in reimbursing me my lost funds of {$950.00} that I basically gave up. Whatever assistance you may be able to provide in this matter is greatly appreciated. Thank you and have a good day.
Sincerely, XXXX XXXX
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
i have XXXX for XXXX months. i used whatever money i had left to cover my account.i even transferred what i hd left in my savings to cover the bills.next day i get whacked with 3 overdraft fees.i than borrowed XXXX from my daughter to cover my account but other things came in causing my account to be minus.they hit me with 3 more overdraft fees.and even when my account was XXXX they kept letting other things come and hit me with another overdraft fee.since XX/XX/XXXX i have been charged 7 overdraft fees from wsfs.i called to ask them to reverse them that they shouldn't be doing this and they didn't want to hear about it.my first check from my new job and half of it goes to cover overdraft fees.this is rediculous.i 'm about to go to the state attorney general and have them look into wsfs practices.i 'm also about ready to file a lawsuit.
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX.
Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property.
As there is no account # XXXX noted on the attached XXXX XXXXXXXX XXXX XXXX loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from Wilmington Savings Fund Society , FSB, D/B/A CHRISTIANA TRUST not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX.
Please send a corrected IRS Form 1099A.
Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 01/18/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
Wilmington Savings Fund Society through the XXXX XXXX XXXX filed a lawsuit case No XXXX in the XXXX XXXXXXXX For XXXX XXXX Maryland by use of an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX alleging that they requested a default judgement against me regarding alledged loan documents that were not signed properly on a personal debt with XXXX XXXX XXXX, which would cause them not to be able to collect said debt. I do not owe them any such debt. I believe court action is a tactic to create a false reason for me to get sn attorney and plead a response to an action that had been XXXX by XXXX over 20 years ago and is fraud and is an abusive collection tactic whereby the debt collectors is intimidates using XXXX court papers from someone named XXXX mailed XXXX XXXX XXXX XXXX XXXX California XXXX.
|
| 08/20/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Dear WSFS, Attached please find IRS Form XXXX from XXXX XXXX XXXX.
Attached please find Plaintiff 's Exhibit # 10 from Case No. XXXX XXXX County Florida.
Attached please find XXXX XXXX XXXX XXXX Loan Schedule re account # XXXX.
Attache please find XXXX XXXX XXXX XXXX Loan Schedule.
It appears the 1099 A from XXXX is inaccurate including but not limited to lender name, amount and account number.
Kindly please provide accurate IRS Form 1099A or please us a send copy of letter from WSFS to the Internal Revenue Service that the attached 1099A from XXXX was sent in error.
A copy of the financial statement that would prove what account was recorded to the accounts receivable ledger is also hereby requested.
Thank you for your immediate attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Cosigned a mortgage with my XXXX There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. XXXX XXXX
|
| 10/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened a checking account with WSFSI believe I set up for XXXX to be paid automatically out of the account. I end up never using that account never find an account or anything so when it finally came down to it being on my credit I checked everything out and did my research and found out that they are charging me XXXX some odd dollars for a original XXXX fee for XXXX which they overdraft to {$38.00}. Then they overdrafted it 53 more times I believeAnd thats where they came up with the amount that I supposed to owe them. Once you open a account and dont find it for 14-30 days it is usually closed. They intentionally overdrafted me 50+ times Ive had accounts with a few banks and never seen anything like this happen. The account was never active So why would they just keep overdrafting me.
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
A joint account was opened at WSFS Bank by my Mother which the money was later taken out of to XXXX balance. WSFS charged low balance fees for several months then closed the account and filed a claim for the amount owed in there fees and charges for a XXXX balance. WSFS Bank only sent notices to my Mother 's XXXX XXXX address, only notifying her of the amount owed. WSFS did not notify me of the amount owed, even though they had my address.
I found out about the amount from credit reporting agency when they filed a unpaid claim on my credit. This is abuse by WSFS Bank by not notifying me of such, and then putting it on my credit. I have contacted WSFS and even paid the amount, but they refuse to take it off of my credit report. This is put there in error of WSFS, not contacting me first.
|
| 08/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I request in writing to the company that this charge of the note and deed of trust will send me copies of the documents that accredit them as owners of my note or mortgage loan, additionally request complete and detailed information regarding any document, transaction involved in the negotiation of my note or mortgage for which I am committed to pay. but I have not received the complete information, they only send information about the incomplete note, they do not send complete documents, or copies of the original documents, request their examination, for the verification of the veracity of the same, they only say excuses.
They are only hide important information , with reference to the original documents, sending the requested information incomplete and truthfulness flaw.
|
| 10/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
first, you have to ask whether the mortgage is privately held or if it has been securitized, meaning, sold on XXXX XXXX .this mortgage has been sold or transferred from lender to lender. this mortgage is securitized, this means the note have been converted into stocks. investors buy the stocks mortgage back, or mortgage pass through securities or remic 's from the trust. the lender bank gets paid in full for the amount lent to me in my mortgage or deed usually at closing. the note is a documented and legally binding promise to pay, but in effect is an asset { negotiable instrument of value } that i own. the promise to pay, or promissory note is whats sold to an investment trust through securitization. this is what makes the mortgage note my property, not the banks.
|
| 12/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I contacted them, because I authorized a transaction into my bank account through XXXX. XXXX mistakenly sent the money to a different bank not associated with my account. I contacted this bank and they basically told me they couldnt help me because the money was sent into one of their customers accounts. They then proceeded to tell me that Id have to reach out to said customer. I asked them how I could do that and they told me they legally can not disclose any information and they couldnt help me with anything. I dont know how Im supposed to get MY money back from them when they are refusing to help me nor do I understand that they know the money was sent into an account but are telling me they dont know who and cant help me find out.
|
| 12/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I was refinancing my mortgage with another company. My current mortgage servicing company ( WSFS ) sent over a close out cost to the abstract company. Unbeknownst to me, or the servicing company, the pay off quote included using my escrow money to pay down my mortgage. The money in my escrow account was only for taxes and insurance, and had not been approved to pay down my mortgage, without my consent.
I called and I talked to XXXX XXXX in the Loan Servicing Department to discuss this issue. She stated this is what they do, even though they did not have my consent to move the money. They gave me no options for planning for tax season and making sure I had enough set aside when tax season approaches.
|
| 09/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment to my WSFS Visa card via electronic transfer from my WSFS checking account on XX/XX/XXXX. Typically, it takes them 3 days to clear, so I waited before contacting them. When I did contact them, they stated that they only apply payments at the end of the month, but that I could call the XXXX number on the card if I need it processed sooner.
On XX/XX/XXXX, I called the number on the card. After spending XXXX minutes on hold while the customer service rep investigated, he determined that he could not do anything about it. So, I am now 11 days in on making a payment from my WSFS checking account ot my WSFS credit card and they still have not been able to apply the payment.
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My Visa Debit Card was used in a city I was not even in at the time. I sent WSFS Copies of my airline ticket which showed the date I left and they have declined reimbursement of disputed transactions. I left XXXX XXXX on XX/XX/2022 there were 27 charges that posted to my Visa Debit Card on XX/XX/2022 the young lady XXXX asked me why I did not know the transactions were done is because the WSFS Bank had blocked me from the website! I received a letter from WSFS this morning with a letter stating that any dispute was denied! I called and asked for copies of the receipts and customer service said they would send me copies but they did not know what they would look like???
|
| 10/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My HELOC loan with Wilmington Savings Fund Society was paid off on XX/XX/2019 by wire transfer to them in the amount of {$190000.00}. The loan reflects " paid '' on my credit report.
WSFS ( Lender ) has refused to return to me the overpayment of loan payoff in the amount of {$480.00}. Additionally, lender has not sent to me the satisfaction of mortgage which I need in order to clear the mortgage from the public records.
Multiple attempts to speak with the lender about this have resulted in malaise and unconcern. Each time I called, including earlier today, I have been told " that department is behind. They'll get this taken care of by the end of next week. ''
|
| 01/17/2024 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Older American |
|
I have been trying to satisfy the auction amount requested on XX/XX/XXXX. My attempts to contact the bank have been ignored. I opened a complaint with CFPB on XX/XX/XXXXXXXX
Complaint number XXXX received a response stating that the bank did not own the property. However, I found proof that the bank does own the property and have filed an eviction request with the court.
I did receive the eviction notification to leave the home on XXXX XXXX XXXXXX/XX/XXXX. I am questioning why this quick action is being taken to remove me from a family home without providing me the opportunity to close this issue in good faith with the chance to discuss purchase options.
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2019 there was a foreclosure sale on the property XXXX XXXX XXXX XXXX XXXX XXXX, Mo and the XXXX purchaser was XXXX 's XXXX XXXX that he bought at the foreclosure sale. XXXX XXXX was the Trustee. XXXX XXXX submitted to the the XXXX XXXX Missouri Circuit Court that the sale was XX/XX/2019 and he purchased it. The property taxes have not been paid in 4 years. Two weeks ago the house flooded and he does not have a building permit. The property was never sold at the foreclosure sale since on XXXX XXXX web- site they list the property and XXXX XXXX is the mortgage holder. At a forclosure sale the property must be bought in cash and it was not.
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
WSFS originated 8 conforming loans for me a couple of months ago. At closing, I realized that they had the incorrect loan amounts for several loans, and the head of mortgages threatened that if I didn't settle on the loans THAT day, he would force me to repply for the loans and they would all be at much higher interest rates. I feel discriminated against as a female. They loans were ALL sold, many of them now twice in a few short months. I am now dealing with close to 16 different servicers, many of whom are now threatening for placement of insurance, are not accepting loan payments. etc. This has been a nightmare from start to finish.
|
| 08/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
WSFS Loan # XXXX, dated XX/XX/XXXX, recorded in XXXX XXXX, FL as Instrument # XXXX was paid off on XX/XX/XXXX ( see attached Closing Disclosure ).
WSFS has not released the mortgage from the public records, which is causing a delay in a current closing. WSFS tells me I must submit a written letter requesting WSFS produce a satisfaction of mortgage.
WSFS was obligated to place the satisfaction of record within 30 days of receipt of their payoff funds.
I demand WSFS place the satisfaction of mortgage of record immediately.
WSFS has done this before, on a previous mortgage, resulting in a previous CFPB complaint ( XXXX ).
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Wilmington savings fund Society and XXXX XXXX XXXX XXXX filed a lawsuit in XXXX XXXX court that seems to be dated back to XXXX of Last year. They stated that I owed this debt, but I had no clue who these people are, and they have stolen my identity and had access to my private information. I have not given them permissible purposes to use my information. I have never spoken to anyone or authorized or had an agreement with Wilmington Savings or XXXX XXXX XXXX. They hired a law firm that goes against the fair debt collections act and is a false representation. Attorneys are XXXX XXXX XXXX located in XXXX XXXX, MI XXXX
|
| 06/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/, I used my card to make 2 online purchases, pay for a XXXX XXXX appointment that I have paid on multiple occasions, grocery purchase and tried another online purchase. The last online purchase was declined and I received a text message to validate the transaction. I did with the code supposedly successfully.
I was declined getting cash later that day.
I attempted to call the fraud department and the call was cancelled stating a bank holiday. No 24 hr help was available.
Over XXXX was available in the account and they froze my husbands card as well.
The in-person transactions were in our local town.
|
| 08/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I submitted a HELOC payment of {$800.00} via ACH in XX/XX/2023. XXXX sent me a letter saying that I was delinquent in my payment. The payment was not and has not been applied to my balance. I had the bank that sent the ACH ( PNC ) verify that it was sent and accepted by XXXX bank. I worked with telephone customer service, HELOC customer service, and even went to the branch to explain and show all of the documentation. I have sent all documentation showing the payment on multiple occasions but they will not respond to me. I have no where else to go as it has been over 4 months of me trying to resolve this.
|
| 06/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled my account with Wilmington Savings Fund Society ( WSFS ) in XXXX, Delaware through their third-party debt collector, XXXX XXXX XXXX, on XX/XX/2020. Despite repeated calls to the Collections department at WSFS, they refuse to update my XXXX and XXXX credit bureaus to reflect that the account has been settled. Interestingly, they have reported this correctly to XXXX. It appears that they are submitting under two separate subscriber ID 's. I am attaching supporting documentation showing proof of settlement along with the two different subscriber ID trade-ins in which they are reporting.
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received record of late payment in XXXX, along with several harassing phone calls, after checking our bank records we confirmed that we had never been late and in fact had been forced to pay future payments. Ive filed XXXX claims so far and explained to WSFS bank reps that the payments have never been late. The reps acknowledge this but say they will have someone call me back. They have never reached out to try to resolve this and my credit has been impacted by over XXXX points, which inhibits new credit with other creditors.
|
| 11/22/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account for my XXXX XXXX who is now XXXX and the account now has fraud on it with over XXXX. The bank did not stop the fraud check when it was deposited and nothing was said until fraudsters quickly took the money out early hours of the weekend when the institution was closed. Why wasn't I made aware of a fraud check that sat in that account for days before it was taking out. Bank now wants me to pay back funds from scammers. This is unfair and was out of my hands. The bank should be held liable not me.
|
| 04/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I am in the process of refinancing this loan. The loan will be refinanced with XXXX bank. XXXX bank has been requesting a loan payoff ( through XX/XX/2021 XXXX since XX/XX/XXXX. They have now requested it 3 times. I have requested it, as the borrower, 2 times. There are notes all over my account showing this. This is the LAST remaining stipulation before I can refinance. WSFS dragging their feet is costing me money as their interest rate is higher. They are doing this to deliberately keep the loan on file longer.
|
| 11/23/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was in Forbearance with my lender My Mortgage was sold in to another lender they didnt continue with my forbearance agreement and decided I had to pay all the payments in forbearance And places me in Foreclosure.
I hired a company to defend me and the mortgage company sent me a re financial proposal at 5.5 % 25 years would with many predatory clauses.
Im including the document I would like to refinance my mortgage with with reasonable terms.
Thank you for helping me in this situation
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Someone called my bank and fraudulently tried to clean out my checking account and and when there wasn't enough they cleaned out my savings and over drew that account. The money never left my checking account and the account was frooze. 6 weeks later i closed my accounts and 1 month after that the bank placed me into collections for my overdrawn savings account that they overdrew! I didn't know about it untill I got turned down for a mortgage.
|
| 08/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX did respond to my complaint by saying they did not own the loan so they did not have to do anything to help. I contacted the owner they also did nothing to help my wife and I.
Mortgage owner is : Wilmington Savings Fund Society FSB, not in its individual capacity, but solely as owner trustee of XXXX XXXX XXXX c/o Wilmington Savings Fund Society FSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX XXXX Loan number- XXXX
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American |
|
I deposited approx {$300000.00} on aprox XX/XX/2018 & only bought a car for approx {$44000.00} & the money is gone! My XXXX reviewed my acct and saw that the bank never altered her that someone was taking a large amount, several times a day, Approx {$600.00}! No one called her, but her acct gets frozen now for {$100.00} after reporting her money was gone!!! How does a bank do this without accountability!!!!
|
| 10/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
How much is XXXX getting paid per year/ or otherwise for XXXX XXXX XXXX XXXX XXXX use the trust name " Wilmington Savings Fund society , FSB XXXX d/b/a Christiana Trust '' - this is common knowledge now that the trustees are in name only -- just want to know how much you get paid it is on your documents that you do not foreclose -- case XXXX XXXX XXXX XXXX, FL WSFS-you are suing me and I want/need Discovery
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WSFS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 09/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX XXXX aka : WSFS XXXX has opened a credit card account under my name without my consent. I reached out to them to resolve this matter however, they refuse to remove this account, and tell me how this credit card account was opened under my name or even disclosed their location. Please investigate this company and find out why they are opening accounts without the consumer 's consent.
|
| 03/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
This complaint concerns HELOC loan account number XXXX. This loan was paid off on XX/XX/2021 in anticipation of the sale of the residence. I received a letter dated XX/XX/2021 from the bank indicating the loan was paid in full. However, they have refused to file the proper paperwork with the County Recorder of Deeds in a timely manner. This will be holding up my closing.
|
| 12/07/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a HELOC with the respondent. The account number is XXXX.
The mortgage repeatedly is past due despite the fact that I have consecutive monthly withdraws sent from my bank. This time I caught the annual fee, which I swear was not disclosed during the application process. The respondent swears that I have an outstanding payment of {$130.00}
|
| 10/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Attorneys for WSFS have provided 400 BLANK page so Discovery twice- Provide the trust paperwork for XXXX XXXX XXXX XXXX it is not listed in XXXX Wilmington Savings Fund society , FSB , d/b/a Christiana Trust, not individually but as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL WSFS-you are suing me and I want/need Discovery
|
| 09/03/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We are attending court tomorrow ( XX/XX/19 ) on a order to show cause. Wilmington Bank vs. XXXX XXXX. XXXX County Court House, XXXX. Wilmington Bank is claiming that they bought a note of my property from XXXX XXXX XXXX. Wilmington Bank filed a foreclosure proceeding. To my recollection the loan on the property was paid off years ago.
|
| 05/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
mortgage payment, not enough payment going to principal, to much to interest. i am not in a interest only mortgage. i ask to make adjustment to the years starting in 2007. most of the payment should be going to principal, not interest. im tying to pay the house off not end up in a iterest trap. please make the adjustment.
|
| 10/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT CARD XXXX XXXXXXXX IN THE XXXX XXXX XXXX INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.
|
| 06/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid off my mortgage but the bank ( WFSF ) refused to send me my mortgage satisfaction documents. They did not follow the law to send the documents to me but told me to contact county office to get it. County office said the bank had to send to me. Then I called them again but they still did not send it.
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a WSFS checking account for my taxes when I opened it. But the person doing my taxes did something else with my information my account was frozen money was put in & took out of my account they said they put it in as a compromised account. But now its on my credit as a closed account
|
| 10/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
XXXX XXXX XXXX, XXXX XXXX XXXX as trustee for XXXX 2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX PA, XXXX XXXX.
ILigally foreclosed our homes d trying to evict us.
No standing, don't own the note, we watched the mortgage, they have vomited federal crimes to steal our home.
|
| 08/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
i sent a letter to you stating that my mortgage principal balance is not going down. the owner of my loan states they don't make decisions on loans. after that i contact XXXX XXXX they say they don't make adjustments on loans. i'm confused, who do i go to for help.
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this WSFS XXXX account is not mine, it is a fraudulent account that this company.
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this WSFS XXXX account is not mine, it is a fraudulent account that this company.
|
| 04/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXXXXXX is listed on my credit report and I have a hard inquiry from this. I do not have any knowledge of this account at all.
The correct Information for this account is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
|
| 11/08/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
I was informed by Wilmington Savings Fund Society that XXXX XXXX Company of Delaware was handling the property. I was given XXXXXXXX XXXX email address, office address and phone number.
I did send an email with my request on XX/XX/.
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This account was opened when child was XXXX. He admitted to the crime. I had no involvement. XXXX XXXX would like to be100 % responsible. The bank is trying to get me to pay back crime money because I have good credit.
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Wsfs charged me over XXXX in overdraft via illegal deposit staging, then took the account to court and garnished my wages. Now they are reporting it as if it was a credit card account to 3 credit bureaus.
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Bank is holding me liable for crime funds I did not commit and the person that did commit this crime is being charged and going to court. I should not be responsible for money I had nothing to do with.
|
| 10/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
XX/XX/2021 {$600.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} XXXX XXXX took these amounts from my bank wsfs. Turned it in to both companies. I need my money back ASAP.
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
Since the last complaint I have found a life and disability policy through XXXX life insurance account numbers XXXX and my wife passed in XXXX of 2014
|
| 01/05/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This was a joint account with the bank, and wasn't aware I owed the debt. This was recently paid on XX/XX/21 and the amount of {$200.00}.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XXXX XXXX I sent {$1800.00} for payment and Payments were lost on XXXX XXXX I sent {$1800.00} for payment and payments were lost
|
| 01/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mortgage was paid off. Lender, mortgage servicer, and lender 's law firm refuse to submit a satisfaction to the recorder of deeds.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone used my identity to open a credit card account and it is affecting my credit score.
|
| 12/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Looking at paper work I have 4 account numbers that start in XXXX until XXXX.
|
| 05/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
PLEASE PROVIDE CONTACT INFORMATION FOR CREDITOR XXXX XXXX AND XXXX OF DEBT.
|
| 10/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
WSFS Falsely charging me on an overdraft after my accounts have been closed
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I contacted all three credit reporting agencies to try to fix the issue.
|
| 04/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit card account has opened up in my name and it was not by me
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I disputed this never late for XX/XX/17
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 10/20/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Referral |
|
|
|
| 09/18/2023 |
Yes |
- Mortgage
- Reverse mortgage
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 08/21/2023 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Phone |
Older American |
|
|
| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/03/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 08/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/24/2023 |
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
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
|
| 05/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
Older American |
|
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2023 |
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
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 03/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 01/30/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 01/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Phone |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Denied loan
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web Referral |
Older American |
|
|
| 09/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
|
| 07/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 07/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 07/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American, Servicemember |
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
Older American, Servicemember |
|
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 02/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 01/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Phone |
Older American |
|
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 01/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
|
| 12/27/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 11/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/21/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Mortgage
- Reverse mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
|
| 12/26/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
Older American |
|
|
| 09/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Phone |
|
|
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 08/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 08/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 07/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 06/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Servicemember |
|
|
| 04/20/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/25/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 02/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
Older American |
|
|
| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
Older American |
|
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 11/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 09/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
|
|
|
| 08/27/2019 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American |
|
|