Date Received: 2017-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. It was not! This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93654
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home. Sincerely, XXXX XXXX Phone XXXX XXXX XXXX XXXX , XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Here is how we believe SPS violated the law and why we request your assistance. SPS engaged in deceptive debt collection practices by : o the use of language in its appeals processing that confuses and misleads consumers ( us ), and resulted in in material harm in the form of loss of viable home retention options. SPS falsely claims that in the letter dated XX/XX/XXXX, they informed us that our appeal was denied ( enclosed ). Because of the language used ( or rather not used ) we didnt realize that SPS denying out appeal. o SPS is in violation of the law by pursuing foreclosure without complying with all the conditions required by law which requires among other things that the borrower reject all loss mitigation offers. SPS offered false claims that we refused the loan modification offer. In a letter dated XX/XX/XXXX ( enclosed ), SPS states they withdrew the loan modification offer. Legally, to pursue foreclosure, the certain conditions must be met which were not met in our situation -the servicer informs the borrower that the borrower is not eligible for any loss mitigation option. That has not happened, we are eligible for loss mitigation options, to wit, a loan modification ( which we were offered ) and/or short sale -the borrower rejects all loss mitigation offers. We have not rejected any loss mitigation offers. To the contrary, we have and are still requesting them. -the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. We believe we are in compliance with the terms of the loss mitigation option as the right to appeal/request for information is a term of the loss mitigation offer and we dont believe our appeal has/was been legally resolved/formally denied. If we failed to comply it is due to not understanding the language of the communication. My husband and I both have graduate degrees so its not like we had reading or comprehension difficulties. But a notification of appeal denial that does not contain the words appeal, denial or notification is easy to misunderstand. We ask that CFPB investigate our claim that SPS has engaged in, intentionally or unintentionally, deceptive debt collections practices with regards to handling of our appeal of their loan modification evaluation process. We assert that if that process had been handled properly, we would not be in immediate peril of foreclosure ( sale date XX/XX/XXXX ) To date, we have not received any communication from SPS in regards to our formal written appeal that contained the words appeal and denied, However the XX/XX/XXXX letter that SPS claims as an appeal denial never uses the words appeal or denial '' and bears no resemblance to any appeal notifications we have ever seen. Our confusion regarding the status of our appeal is directly responsible for our failure to promptly respond in a way that could have salvaged the loan modification process. We ask that you/your office also investigate SPSs appeal processing procedures in general to determine whether SPS documentation, communications, language or procedures are sufficiently clear, concise and understandable or, unnecessarily vague, ambiguous and misleading resulting in errors that has could cause homeowners like us to lose our homes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a copy of the complaint I 've sent to Select Portfolio Servicing , Inc . I called to make a payment on my mortgage. Customer service took the payment over the phone. My payment was for {$1000.00}, she repeated everything to me and took payment. XX/XX/XXXX, when I checked my checking account {$1400.00} was taken out, she must have hit a 4 instead of 0, Im assuming. The same morning, I called and explained to customer, also stressed that I need the {$400.00} back into my account that I have no money to live by for two weeks, and that I have other payments coming out and I will be charged an extra {$33.00} for overdraft fees. Customer service, told me they would make the corrections and the {$400.00} will be deposit back into my checking the next day or the following Monday. XX/XX/XXXX, I checked my account and there wasnt a deposit, I called again stating the whole incident with the girl taking too much out of my account and was told the cashiering department denied the reimbursement because they couldnt reimburse just the {$400.00} that it would have to be {$1400.00}, I would have to resubmit a payment and that I would need to send in my bank statement showing the overdraft fees and showing the {$1400.00} had been taken out. I ask why I wasnt told that, so that I could have already done that and stressed to this person that I need the money back into my account because I have no money to live by and that other payments will be coming out. I said, I need a number to call to make sure they had received it, I was told there is not a number for me to call the cashier department that I would have to call customer service back, I asked if I could get his extension so I could call him back, so that I didnt want to go through the whole story again. I was told there isnt an extension number that my account would be noted and anyone could help me. Within minutes of the call, I faxed all the information to fax number XXXX, and called to make sure they had received it. I again stated the whole incident with the person taking too much out of my account, I was told they had received it and they are processing it. I called customer service to make sure, and glad I did. I explained the whole deal with the person taking too much out of my account, I asked her to refer to the notes. That person stated the opposite of what I was told that they couldnt reimburse the {$1400.00} that they could only reimburse me the {$400.00}, I said thats all I want is the {$400.00}, I didnt ask for the entire payment that I was told that they couldnt just give the {$400.00} and that its not showing that a reimbursement has been processed, so customer service call the cashier department and they said they had not received a fax from me that I will need to send my bank statement. I explained that I already sent it over and that I have confirmation that it went through, and was told just because it shows on my end doesnt mean that they received it. I said okay, I will send again because... again, I need my {$400.00} back into my account because I have no money to live by and other payments will be coming out of my checking account and was asked what number I faxed it to, gave them the XXXX. I call again, and get another customer service and explain the whole deal with the person taking too much out of my account, I asked her to refer to the notes. They put me on hold and said they have not received a fax from me. I ask to speak with a supervisor and was put on hold for 30 minutes and the person picked up the phone and hung up, so I had to call back and explain the whole deal with the person taking too much out of my account, I asked her to refer to the notes, customer service again, went on to explain that they couldnt give me just the {$400.00} that it will have to be the whole amount. I asked to speak with a supervisor, she asked why I told her I was tired of going through this and getting different people telling me different things and she swore she would help me and take care of it that she is submitting everything now, and my money should be in my account the next day. Just to make sure I faxed my bank statement again. The next day, I called again, and get another customer service and explain the whole deal with the person taking too much out of my account, I asked her to refer to the notes. They put me on hold and said they have not received a fax from me. I ask again for a supervisor, I was placed on hold while they were speaking with a supervisor, supposedly the supervisor was on the phone with the cashiering department and the cashiering department said their fax is down and hadnt been receiving faxes. Customer service told me to email a copy of my back statement to them at XXXXXXXXXXXX. So, I email the information while I was on the phone, they received it and was giving it to the supervisor and he was taking care of it and that she was making notes on my account while she was waiting on him. I was told the supervisor processed it and that it will be in my account by noon that same day or the following morning. XX/XX/XXXX ( the following morning ), I check my account and there is nothing there. I called customer service, again I had to explain the whole deal with the person taking too much out of my account, I asked her to refer to the notes. Customer service explained a check was going through some department and will be mailed. I asked to speak with a supervisor and she asked why I said because of this whole deal, I need to speak with a supervisor and a supervisor got on the phone and went on to explain the process. I explained again the entire deal and she said she will email the cashiering department to have them wire the money into my checking account. I asked if she could call the department, she said they dont open until XXXX XXXX Same morning, I just got off the phone with customer service, and was told that the checks has been processed and was in the accounting department and ask that I call back at noon Oklahoma time. I also requested my call notes and recorded calls from XXXX XXXX till now, which I was told I need to request in writing. I called the Consumer Ombudsman Severing Department and spoke with a XXXX XXXX and explained to her my complaint, she checked the notes and said it couldnt be wired that a check for the {$400.00} had to be sent out that I should receive tomorrow ( Friday ) and the check for over draft will be sent Friday. I told her other payments will try to come through and I will be charged for late payments, I was told if so send in a copy of my bank statement. As we speak a payment tried to come through and thats another {$33.00} ( attached is the current bank statement ). I need the additional {$33.00} reimburse to me. I now have to call back and go through the story of how it all started in order to get the reimbursement for the {$33.00} that was taken out today. Something has to give... the policy needs to be gone over, the process needs evaluated and consumers speaking with a different person every time they call is not good. If a consumer is having an issue, why in the world would you have them call and not be able to speak with a person who already know what is going on instead of getting someone else who you have to explain whats going on over and over again. That has to be hard on your employees! I understand that mistakes happen, but this is ridicules! I have been working on this since the XXXX XXXX and just now getting a check cut and mailed if that is really happening now... thats crazy. I have been getting the runarounds since then, different things on what I need to do, what you can and can not do. Thats why I have called so many times, cant seem to get the right person to tell me the right thing. This should have been taken care of that same day. Under the circumstances, going through all of this Im highly upset... you trying living without any funds and see how frustrated you get when you have to keep calling explaining the situation and to realized youre not getting anywhere because you have been told to do the wrong things. Im an assistant to the chief of police, I get complaints, get cussed out, people screaming, calling me names and much more... on things I have nothing at all to do with. I didnt want to be that irate person on the other end making someones day terrible or job harder. Each time that I called I had to remind myself that this person is just answering the phone and doesnt know whats going on just yet and put yourself in their shoes, so I was never rude or belligerent to anyone, maybe about to get to that point. Youve got to change this process, which Im still really not sure what it is. I have spoken with 12 different people. Im not upset with the girl that got it wrong, Im upset with your process and with that being said Im filing a complaint with The CFPB, The AGs Office, The Federal Trade Commission and Also, filing a complaint with my state consumer protection office for the licenses that you have here in Oklahoma ( 4 ) and XXXX XXXX, ones. I have attached my bank statement for reimbursement of this current funds, along with all the information that I have sent throughout this process. Called again, to make sure they received the complaint and was told they did. I was also told that they could wire the funds, which earlier I was told that they could not wire the funds, said it would take longer to receive because they would have to place a stop payment on the check they issued and that I had two option 1 let them overnight the check or 2 wire to my account which would take longer I took option 1, like Ive stated throughout I have no funds to live by. I was also advised that there department hasnt received the check yet, but will guarantee that as soon as they send it they will be overnighted. So, if they receive tomorrow it will be overnighted Friday. Called again three hours later, the accounting department still havent sent the check over to be overnight, spoke with a supervisor and he contacted the accounting department and sent the VP an email and said it has gone as high as it could go and it should be expedited quickly. This has to be a joke! XX/XX/XXXX, I have called again this morning, and was put on hold so long I had to go into work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2017-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of DefaultXX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX XXXX headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX andXX/XX/XXXXfor {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A