Date Received: 2023-06-08
Issue: Getting the loan
Subissue:
Consumer Complaint: Bait and switch. This is a 3rd party loan to pay for a service. The dealer was told Service Finance offers 18 month interest free loan with a mimimum monthly payment. They approved 14 months but will not tell me why I did not qualify for the 18 month term as advertised. My XXXX score as of XXXX is XXXX " Nearly perfect '' and my debt to income ratio is approximately 2 %. They refuse to explain to me their decision and placed blame on the dealer who simply helped me fill out the loan application so they can be paid in full while I pay Service Finance as a 3rd party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My annual escrow account disclosure was in error due to an insurance payment counted twice when my insurance co did not receive a payment on XXXX, was then reissued XXXX. Customer phone reps have said they paid them twice and to get my money back from my insurance and send it to them. They say that they can not create paper trail for this problem, based on my phone calls, put it in writing. We sent in a Notice of Error XXXX and received a letter of receipt XXXX saying an reply was coming within 30 days. As of this date XXXX, still no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My credit report shows 3 inaccurate missed payments from my Regional Acceptance Co. from 2018. I have attempted to rectify this with them, however I never heard anything back from my original dispute letter sent to them. I paid off the auto loan in full in XXXXXXXX XXXX These missed payments are hurting my credit scores, and it's making it very difficult for me to provide for my wife and 3 children now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98686
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Have Opened Up a New Personal Checking Account with Truist Bank located at XXXX XXXX XXXX XXXX, XXXX, AL., XXXX On XXXX XXXX ( Bank Number - XXXX ) I Have Spoken To XXXX XXXX The Loan Officer/Bank Manager. I Had Informed Her That I Was Trying to Restart My Small Computer Business Back Since Covid First Hit. She Had Informed Me That Going With a Personal Checking Account Would Suffice. I Had Informed XXXX That The First Deposit Would Be Coming Very Soon for The Restart of The Company. On XX/XX/XXXX of XXXX, There Was a Starter Deposit In The Amount of {$15000.00}. Since Then I Have Dispersed The Funds Accordingly via Wire Transfer ( Business Associates/Parts Required/etc ). My Account Was Put Immediately on Hold Pending Corporate Investigation After My Second Wire Transfer ( Outgoing ). I Had Asked XXXX What Was The Issue, and She Said That Investigators Deemed It As Fraud. I Can No Longer Access My Funds That Are Currently in My Account. I've Spoken With Their Fraud Department and Was Told That They Didn't See a Reason for the Hold. They Informed Me That It Was With The Bank Manager, So I've Contacted XXXX Again and She Said That She Will Contact Me Latter in the Day ( XXXX ). After Her Contacting Me, She Had Informed Me That It Was Still Pending Investigation and I Would Have to Wait 90 Days Before I Can Have Access to My Funds. Meanwhile, I Have Needs For Those Funds. I currently Have {$1200.00} I've Contacted Fraud Department Afterwards and They've Informed Me That According to The Updated Notations, It Says Corporate Investigation in Process and That XXXX, the Bank Manager, Would Be The Only One to Contact. Meanwhile, I've Had to Inform My Sponsors and Investors of the Current Situation as Well as My Clients - People Are Wanting Their Gaming Systems Customized and I Can't Get Started When My Bank Stops Me From Accessing The Funds Required to Complete The Orders. I Still Have NOT Been Contacted By ANYONE From The Investigation Department by Any Means. Please Help Me Get This Resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been having a problem with the bank that holds my mortgage. Since XX/XX/XXXX, they have consistently mis-applied my mortgage payments. The bank ( TRUIST ) has had trouble explaing their system that allows for multiple acct numbers for the same loan. In XXXX of XXXX, I was informed by the XXXX that they would be paying my mortgage for the next 18 months. I have documentation. Florida says they have paid TRUIST on the first of each month since XX/XX/XXXX. On XX/XX/XXXX, TRUIST reported me to the credit agencies as being 60 days delinquent on my mortgage payment. The next day, my XXXX score dropped XXXX points. I have made repeated attempts to resolve this, to no avail. At this time, my balance is approx {$9200.00}. I have had credit cards cancelled and credit lines dropped overnight. My wife and I take ONE vacation per year ( I am XXXX ). We use the cards to finance meals etc that we would never do under normal circumstances. Now our XXXX vacation is in serious jeopardy. When I spoke to TRUIST, they suggested that I contact all my CC companies and check on status. Their lack of interest has destroyed our vacation for this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An inquiry appears on my credit reports that I did not authorize. I attempted to contact the company and have not heard back, and the inquiry remains.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/2023, my husband and I had the pleasure of meeting with XXXX XXXX XXXX, a sales representative from XXXX XXXX, who sold us XXXX windows for our home. During our meeting, XXXX XXXX assured us that we were approved for a payment plan of {$190.00} per month with no interest for 18 months. In order to proceed, I signed a release for my credit report to be accessed. Unfortunately, due to technical difficulties with his device, XXXX XXXX was unable to provide us with any paperwork or contracts at the time. He assured us that XXXX would send us all the necessary documentation. However, despite my repeated attempts via phone calls and emails to XXXX XXXX, I have not received any response or the requested paperwork. To add to our frustration, on XX/XX/XXXX - XXXX, the windows were installed in our home, with the exception of a XXXX obscure window for our downstairs bathroom. Instead, a clear window was sent, contrary to XXXX XXXX 's promise of an obscure window. This discrepancy has yet to be rectified. Further complicating matters, on XX/XX/2023, I received a letter from Service Finance stating that a payment of {$380.00} was due on XX/XX/XXXX. This came as a surprise, as the agreed-upon terms were vastly different from what was stated in the letter. Upon contacting Service Finance, I discovered that a contract had been signed with my misspelled name and my husband 's name, outlining payment terms of {$380.00} at 17.99 % interest. I must emphasize that I had never seen nor agreed to these terms until XXXX XXXX XXXX from the complaint department at Service Finance sent me the contract. Despite XXXX XXXX 's efforts to contact XXXX. XXXX XXXX XXXX on my behalf, I have received paperwork on the windows but no communication or documentation from XXXX XXXX. Additionally, XXXX XXXX XXXX of XXXX XXXX XXXX has yet to respond to my inquiries regarding the fraudulent contract addendum and the promised corrections, as well as the installation of the bathroom window.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/ i went to the bank to deposit XXXX. I filled out the deposit form with that amount and passed it to the teller and she asked me for the money, the teller called 2 more colleagues to help her count the money, the 3 people manipulated the money and passed it through the bill counting machine, they stamped it with the bank advisors and said it was ok, they proceeded to take it to the back where I do not have it in sight and 1/2 hour later the teller came out and told me that she had to count the money again and that this time XXXX usd was missing. In the end they only consigned me XXXX usd and they stole the XXXX usd. I have made claims to the bank, XXXX but they only give me information by phone where they tell me that they checked everything and that the amount that they consigned me is the amount that I spent when it is not so I spent XXXX usd. I denounce the bad protocol of the bank by allowing 3 different people to manipulate the money going in and out, I denounce that they tell me what is missing when I lost sight of the money because they did not say it to my face when they counted the money. I request that you help me to mediate with the bank to actually do the investigation, share a copy of the security video with me or give me a guide on how to proceed in such a situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: There are three XXXX XXXX filings on my credit report that should not be there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A