Date Received: 2021-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Citizens bank has failed to remove my loan from forbearance on each of my credit reports after I left Forbearance XX/XX/2021. I am current with my loan and Citizens has not updated my loan with each credit bureau.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, My wife, XXXX, and I emailed XXXX XXXX at Citizens Bank NA inquiring about their medical professional mortgage program. This began a series of emails in which XXXX indicted that we qualified for this program and that our rate would be between 2.875 and 3.0, given our credit scores, home price, and loan amount. On XX/XX/XXXX, we completed an online loan application with Citizens. On XX/XX/XXXX, XXXX emailed us a few times including an email that offered the opportunity to lock in the rate of 3.0 with .25 points. We asked him to lock that rate in, and he confirmed that he had. We asked for a loan estimate, and he sent us what we believed to be a loan estimate ( but it was in fact a " pre-application cost estimate '' ). On XX/XX/XXXX, as part of our loan shopping process, we realized XXXX had not sent us a loan estimate, so we requested one over the phone. He told us that he could not give us one for at least 7-10 days because we first had to put in a formal loan application ( which we already had, since we had provided the 6 necessary pieces of info ). He said he could not provide us a loan estimate, but he did send us a rate lock agreement. XXXX told us we could not have more than one mortgage application open at a time, and he told us that it was illegal for another lender to " beat '' another lender 's rate. He discouraged the mortgage shopping process. We called the Citizens mortgage broker line to dig deeper and spoke with another loan officer. He told us that they intentionally ( and unethically ) don't ask for the address of the home in the application to avoid triggering XXXX ( a loan officer with another lender actually overheard him saying it because he was on the phone with my wife at the time ). While we didn't provide the address in the application ( because there's no place to ), we did provide it on XX/XX/XXXX along with our home purchase agreement. So, our application on XX/XX/XXXX ( or at least XX/XX/XXXX when we provided the address ) included all necessary info and should have triggered XXXX and entitled us to receive a loan estimate. We would like to receive the loan estimate that we are legally entitled to receive, including the terms outlined in the Rate Lock Agreement we were provided.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX a financial advisor at Citizens bank accessed a college fund wherein I am the owner and gave a copy of the Year End Report to someone other than me and without my authorization.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I were under contract to purchase land and have a home built on the land since XXXX of XXXX. Our bank, Citizens Bank instructed us that they required architect plans and contractor contract to start the application process. Fees and plans were drafted and submitted to the bank by XXXX of XXXX. Since the paperwork was submitted as requested, it was 1 hurdle after another. The banker we worked with was incompetent and requested documents multiple times, which he claimed never to have received. Sometimes he would request documents, which were sent on time and 3 weeks later after following up on the status of our application he would state he could not open the documents, which were sent 3 weeks ago. He would not communicate on the progress of our transaction and this cost us time and money. Eventually, I reached out to management in XXXX of XXXX and the chairmans office called to say they were investigating and we never heard back from them. In XXXX again a month after attempting to escalate my issue, I called the bank representative we worked with and said he would have to speak to his manager because we escalated the issue and he was unaware of the progress made on the file. However, the next day he emailed me stating we needed to send documents, which we had already sent previously. He was out of touch with the process of our file, the underwriter who worked on our file would never answer the phone except once and eventually we asked the bank to decline our mortgage application so we could cut our losses and move on. We lost time we put into meeting with our architect, engineers and contractors to design our home as well as with the town for the multiple inquiries we had to do. Additionally, we lost money we spent on this whole process plus other missed investment opportunities. We could have purchased another home or piece of land and this has caused us stress and has set our plans back, which inconveniences our family and mostly, our children. After we requested more information and intervention from management they never reached out to us nor was an apology ever provided for the inconvenience they caused us. Additionally, the financial obligations we had discussed initially with our bank representative were not as later discussed with the underwriter. Closing costs and other monies we did not anticipate were supposed to be due and payable at closing, which was never mentioned to us previously. The bank got away with ripping us off and whats even more heartbreaking is management did not even care to reach out and resolve our grievances let alone apologize for the inconveniences they caused us. Your intervention in this matter will be greatly appreciated.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a refinance with Citizens bank on XX/XX/XXXX. XXXX, XXXX XXXX was my agent who I worked with. I refinanced because I needed money for an Hvac system. We worked on a loan that would help me get the money I needed. The loan was supposed to return my original escrow balance to me. The new escrow would be added to the loan amount. XXXX put in the loan that the old escrow was not to be rolled over into the new loan. I went through the entire process under the assumption the money was coming my way. On XX/XX/XXXX I received my final disclosure statement. Everything looked ok to me. The numbers were a bit lower but I was told that was because the initial estimate was high and that I didn't have to pay for appraisal and a few other things. The closing agent ( XXXX XXXX ) came to my house a few days later to sign all papers. I asked when signing if I was going to get the money from original escrow. I was told yes, anything in my old escrow would come to me. We went through the signing the paperwork packet. Nowhere in the packet did it say anything about the escrow being rolled into the new loan. Two weeks go by and I still don't have the old escrow money. I reached out to XXXX on XX/XX/XXXX and he replied that it rolled into the new loan and I wasn't going to get it. I was shocked, the whole point of the loan was to get the money. We went back and forth with emails amounting to him telling me there was nothing that they could do. He then offered me to open a line of credit. I found this shady as to why I would possible open another loan when they got the first one wrong. During our exchange he sent me an email with an attached fax that showed the money was to be rolled over into the new account. The fax was dated XX/XX/XXXX. It was the first time I had seen the document. It was not faxed to me because I do not have a fax number. It was not emailed to me or I would have nixed the loan. It was not in my closing packet at the time I signed or again I would have nixed the loan. And finally it was not in the packet that was given to me after closing. Also XXXX told me that the loan was already sold to another company which I found hard to believe. As it turns out it was sold to to XXXX XXXX but not until XX/XX/XXXX, over a month after what he told me. I feel like this was deliberately done to get me to open a second loan with Citizens bank. On top of it they should have made it right instead of telling me your out of luck. I have attached to final disclosure, the fax and page I never received that would have stopped the loan, and the pre closing document. I have the emails if you need them. Thank you for your time,
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: During a forbearance period ( back in XX/XX/XXXX with Citizens Bank NA ( DBA Citizens/Citizens One ) I was making principal payments ONLY. I was just notified on XX/XX/XXXX that I was not able to make such payments, if any payments received would also be applied to my monthly payments as well. I requested proof of this policy which I never received. I was asked to provide proof of all payments that was misapplied. I complied with this request and faxed copies accordingly. Said payments were NEVER applied as agreed. I have spent hours trying to reach a manager, the correct department that supposedly made this issue and have yet to hear from Citizens. Today XX/XX/XXXX I tried again to discuss this matter with a manager and was advised that the manager would NOT take the call that they would get back to my by EOD. As I type this complaint it is XXXX EST and NO callback from anyone. I want my payments applied correctly and proof that my loan principal amount is well below $ XXXX per my records and prior agreement from an agent by the name of XXXX XXXX and " XXXX ''. I was also advised today, that for most of the conversations I've had with Citizens, there are NO notes. Per their upfront recording all calls ARE RECORDED. Although there are no notes, they have records of my calls unless they have destroyed them ( which wouldn't surprise me with this company ). I'm trying to pay ONLY what I owe hence, the reason I want my principal ONLY payments applied correctly.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a continuation of automatically closing claim CFBB XXXX. 1 ) Citizens bank sent amount of debt to collectors and should not have. They locked online access and took 6 months to send requested bank and credit card statements. 2 ) Bank overreached into my accounts without my consent and shuffled and made adjustments with my money all over the place. 3 ) when they did charge-off ( which should never have occurred ) as I covered all payments and brought in funds to bridge the deficit while dispute of what occurred over an overdraft occurred. Bank did not provide satisfactory and sufficient paperwork needed by customer, myself, to reconcile all four accounts involved. Requested multiple times. Statements were adjusted snd rewritten by bank since An third party check into account overdraft if account took place and differed between what was showing and I read online, what was in mobile application and weekly electronic mini statements, by telephone, and phone call reconciliation due to refusal to supply paper documents of all 4 accounts. XXXX ) citizens bank has recorded the wrong amount of chargeoff which shoukd never have been a chargeoff in the first place as they never assisted in an appropriate statement reconciliation in the first place when I went to brsnch anc requested. Bank still needs to correct and reverse, remove chargeoff so this does not affect my credit. since receiving paper statements in XXXX and reviewing, bank and I have agreed there is only a {$2000.00} deficit based on this set of documents ( these dont match what was online ). Yet payment terms still continue to be through a collection agency.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXX, XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXX XXXXXXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXX, Maryland XXXX dealers my daughter and I has been receiving denial letters from different banks. This XXXX letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXX, XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXXXXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXXXXXX XXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXXXXXX XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXX, XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXXXXXX XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXXXXXX XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with XXXX XXXX, XXXX Title Clerk with XXXX XXXX of XXXX, XXXXXXXX XXXX XXXX she take my compliant. I haven't heard from anyone that represent XXXX XXXX of XXXX, XXXX XXXX XXXX in writing or by phone. Who at XXXX XXXX XXXX XXXX, XXXX committed fraud? Lied about the loan request after I CANCEL?
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my computer was hacked and access to my banking occurred. I was unable to gain control of my mouse and watched as someone stole XXXX dollars from my account by way of a XXXX transaction which I did not open or authorize! I had been out of work with a XXXX since XX/XX/XXXX and had no money at the time for bills or anything! I had borrowed money from mom which was taken during this transaction. I notified the bank immediately and was told to shut down the computer but was only able to do so by unplugging the unit! I immediately went to my local branch to report this and was visibly shaken by this event! I was told at the Branch that this was clearly a scam and fraud and that my account would be frozen at that time I should be hearing from the bank fraud department in a few days! 10 days past with several follow up calls to my branch but no response from the fraud department or anyone! I was out XXXX and No one cared!! On XX/XX/XXXX I received a letter from XXXX, electronic banking operations at citizens, stating following a review of a transaction that I disputed, we have concluded that no error occurred and we will not credit my account, our records indicate the transaction was authorized by you!! Then it added if I had questions or would like to request and obtain a copy of all supporting documentation that they used in their decision to call this number XXXX however that number had not been in service throughout the whole year during Covid! I called several times then had my branch person call as well only to find out that that number was not in service. I have since spoken to several people in different departments only to get no answer as to how a XXXX account was opened in my name making it possible for these transactions and have had no reasonable explanation from anyone. I was then contacted by a XXXX XXXX from the office of the chairman who I spoke with for 37 minutes explaining my situation, after they had already made their determination that they were not going to reimburse me! She was very robotic and insisted that I authorized the transaction and the bank was not liable! I also stated to her about the letter that gave me incorrect information on how to obtain any part of any investigation that may have been done. She insisted that the new denial letter would be sent to me with the appropriate information needed! On XX/XX/XXXX I received another letter. This letter was even more generic and had no ones name on it signed only sincerely citizens with the XXXX XXXX XXXX number attached! I have been incredibly frustrated, especially since XXXX of that money was my XXXX-year-old mothers and was transferred from her savings into my checking in order for the transactions to be made to a foreign named person in Arizona! {$2000.00} may not be a lot to some people but when youre not working and on leave without pay for months, having to borrow money to get by and then have that money stolen from you was detrimental. But, then your banking institution youve been with for 20 years just blows you off and states theres nothing they can do about it and they will not reimburse you even though I know they are federally insured and I thought I was protected against something like this happening! I feel as though I have not been given a full explanation or the ability to speak with someone prior to them making their determination and have been put off by several departments who had no answer to how this was investigatedIm incredibly disappointed that my mother and I have not been able to do online banking any longer which helped with my mom and her bills! This has been a huge stressor, inconvenience and loss! I appreciate any consideration in looking into not only this matter but the handling of it by several or no people to my knowledge! Ive had several accounts as did my family members for years and loyal customers through all that time! I am highly disappointed and upset by the way this was handled and the fact that I have to move to another bank! thank you in advance for any of your help in this matter!
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have these items that are not mine and i want them to be removed form my credit. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft CITZENSONE Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A