Date Received: 2016-01-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me. During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me. My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals. My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery. My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit. One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right? My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out. In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve. I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs. I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.
Company Response:
State: IL
Zip: 60441
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened XXXX ( XXXX ) separate XXXX year online CD 's with GE Capital Bank XX/XX/XXXX. XXXX with a mature date of XX/XX/XXXX and the other with XXXX/XXXX/2015. I opened both of the XXXX 's as a joint account between my mother and I. Each CD was in excess of XXXX XX/XX/XXXX my mother passed away but I elected to leave the CD 's alone and let them mature. On or about XX/XX/XXXX I closed the XXXX CD without any problem and had the funds transfered to a XXXX account. On or about XX/XX/XXXX I attempted to close the XXXX CD and was first told that that account was only in my mother 's name and was not a joint account. I protested and told the to go back and review the original online applications as well as the cancelled checks that I used to fund the XXXX CD 's. I provided all of my passwords and account numbers and told them that there must be a mistake with their computer system because I opened up XXXX the CD as joint accounts. GE Capital Bank then told me that they now see that the XXXX CD is a joint account between my mother and I and that they would transfer the money in around XXXX days. After a couple of days I called GE Capital Bank and confirmed their XXXX micro deposits to my bank as instructed. GE Capital Bank informed me that the funds from the CD would now be transfered. After a couple of more days I called GE Capital Bank back and asked them why the funds had not been transfered. GE Capital Bank then started again saying that the XXXX CD was not a joint account. I again protested and asked to speak to a supervisor. GE Capital Bank then will refuse to let you speak to a supervisor. I have never in XXXX years of doing business with a bank been told that you could n't talk to a supervisor. The customer service operators just keep passing you around and you have to keep retelling your story. I screamed and yelled and told them that their computer records were wrong and that my records reflect that the CD is a joint account. I kept repeating to them that the bank has taken my money and now refuses to return my property. GE Capital Bank just keeps saying that they have a right to investigate the matter. I feel that GE Capital Bank is just taking advantage of me because they can because they think that just an individual consumer ca n't do anything about. I agreed to send a certified death certificate and affidavit of heirship. They signed for this information on XX/XX/XXXX, I asked in the correspondence for GE Capital Bank to please acknowledge that they received the documents. GE Capital Bank did not acknowledge that they received the documents. I waited until XX/XX/XXXX and when I still had n't heard from GE Capital Bank I called. GE Capital Bank then began the same song and dance by just passing you around to different operators and saying for you to call back every couple of days. I finally got to talk to someone that said that they were a supervisor and they confirmed that the documents were being reviewed in " legal. '' I asked to speak to their legal department and was told that no one in legal will talk to a customer only customer service can speak to a customer. I protested that GE Capital Bank has now kept my property for over thirty days and are still refusing to give me my property. GE Capital Bank just keep saying give 5-7 days which is just a stalling tactic. My position is that the CD is a joint account and my records confirm this fact. GE Capital Bank just refuses to discuss this issue. I sent a letter to GE Capital Bank 's CEO but as expected have not received any acknowledgment. GE Capital Bank is taking advantage of me. I would recommend that the average consumer stay away from this internet bank. They are by far the worst banking institution that I have had experience with in over XXXX years. Terrible customer service. No wonder GE is trying to divest themselves of their financial branches.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2015-08-08
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed
Timely Response: No
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015. Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-06
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: GE Capital Bank saving account. A number of false statements have been made by the bank officials in relation to the account, affecting my financial transactions. After I contacted the bank officials, threats have been made as well. Please fully investigate.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2015-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes