Date Received: 2024-03-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Regional Acceptance is in violation of the Fair Debt Collections Practice Act and also the Florida Consumer Collections Practices Act. Both regulations/acts prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you. Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt : XXXX. More than seven times within a seven-day period, or 2. Within seven days after engaging in a phone conversation with you about a particular debt Regional Acceptance has placed at least 20 calls to my mobile number since XX/XX/. This pattern has repeated itself on a weekly basis for several months. On XX/XX/2024, I contacted Regional Acceptance and established a Right Party Contact with 2 different agents and discussed my account. The last representative, XXXX advised me he was going to send my account to Management for review of a possible settlement. XXXX advised me that someone would contact me back via phone to discuss that settlement. Permission was given for this contact. On XX/XX/2024, I received a phone call from XXXX who advised me of the past due nature of my account and advised me that she was not contacting me regarding the settlement proposal and she was calling via an automated dialer to collect the debt. I explained to XXXX that I was shocked to be receiving a collection call since I had contact yesterday about the status of the account and was only expecting a call back about the settlement proposal. I also explained that the phone call was in violation of FDCPA which prohibited contact with me for 7 days since I had just spoken with them yesterday. XXXX advised me that she was allowed to call me because I didn't secure an arrangement on my account during previous discussions. XXXX also went on to explain that she was only doing what she was trained to do and wasn't familiar with any of the regulations/acts that I was describing. During this conversation with XXXX, XXXX also called me from Regional Acceptance about the settlement proposal. I explained to XXXX that I needed to release the call with XXXX. XXXX explained the settlement request I had made was counter offered. I explained to XXXX that I was no longer interested in a settlement and that I intended on filing this complaint and potentially pursuing litigious activity for violation of the above mentioned. I deem the repetitive phone calls and conversations harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I got a text message from the number XXXX claiming to be Truist : asking me to verify a {$68.00} charge from XXXX in ID. I do not have a Truist account and I live on the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Subject : Goodwill Request for Delinquency Removal Dear LightStream Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score. I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, XXXX XXXX, and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The loan was paid off through bankruptcy. After bankruptcy was completed I began to receive delinquent phone calls although I received the title for the vehicle. After speaking with the company they promised to have the delinquency removed from my credit profile. I tried to dispute several times but XXXX will not remove the negative rating on my credit profile. I would like to file the complaint against Regional Acceptance and the credit bureaus XXXX, XXXX, and XXXX that are reporting this item as negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Received a check from an individual for {$3200.00} and received notification that funds were being held related to other bank establishment. The individual called and verified that funds had been released to Truist. Truist stated that it has to be verified but regardless of verification time they would hold my funds for XXXX business days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I subscribed to a XXXX year subscription to XXXX XXXX for {$170.00} in XXXX XXXX. A few days later I discovered I was charged {$290.00} under a transaction name of XXXX XXXX XXXX so I cancelled my subscription. I never received a confirmation email of the cancellation to verify the date of the cancellation so I didn't selection that option on the Cardholder Statement of Dispute Item : Credit Card form Truist sent me when I disputed the charge. I had other fraud charges around the same time that Truist reversed. I spent many hours in XXXX branches of Truist to settle this dispute. Truist kept saying to wait XXXX statement cycles, claimed they couldn't find emails I sent and kept saying they would resubmit it. I cancelled my XXXX with them many times, replaced the portal for my computer 3 times and got a new computer because of other fraud charges that where happening but reversed. Also, Truist said I am not responsible for charges so I subtracted them from my balance. They charged me interest in the amounts of {$31.00}, XXXX and XXXX. Also, I have a refund from XXXX 's of {$26.00}. I was told they resubmitted the complaint again and I should call XX/XX/XXXX. They denied reversal. This is a fraudulent charge. It should be reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I deposited a check on XX/XX/XXXX. Bank places it on hold until XX/XX/XXXX. Then locks it again. Asks for bill of sale and check reciept ( which I provide on XX/XX/XXXX ). Today - account is still locked and have missed rent payment, car payment and more due to the illegal lock being placed to my funds. No resolution provided and customer service representatives tell me a different thing each time calling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I would like to express my disappointment in Truist bank for now allowing over {$10000.00} dollars to be stolen from my account I would like my money to be returned or I will seal legal action and I will let the public now how prejudice Truist is when it comes to there customers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: With all of the fees that banks charge customers these days, I was shocked by this latest one. Truist charges a service fee to customers/businesses for making too many deposits at one time. The treasurer of our homeowners association deposited all of the HOA annual dues checks that he received in XXXX at a Truist branch in XXXX, and Truist then charged us a ~ {$8.00} service fee for that. Are you kidding me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: My wife was currently on a XXXX ( XXXX XXXX XXXX ) for XXXX weeks, with XXXX weeks unpaid. She recently returned to work, but the information was provided in the loss mitigation application with repayment options that fit our budget. Apparently, an old credit card debt was on our lien and we were not aware of it until engaging in this process. We found that the debt is an error and filed an answer with the company via clerk of courts and currently waiting on a response. However, when I called to inquire about the loss mitigation appeal process, I was informed that any information emailed to the home preservation department in the format of a Word document, the system rejects the files. We provided requested documentations approximately XXXX to XXXX times using the email provided and was never informed that all files must be in a PDF format. I also reviewed mailed instructions multiple times to see if I overlooked this detail, however it is not stated anywhere. Truist denied our application for loss mitigation assistance due to the lien on the title, with no details of what options we can take regarding the lien... even after sending all communication with the debtor and courts. I recent all required documents in the PDF format, but do not believe we should be in jeopardy of losing our family home for lack of information. We pay an additional amount every month due to PMI, however, we have requested multiple times for lower payments since our household income has decreased by approximately XXXX % since cutbacks at my place of employment and still has not been granted. We've been between barely making monthly mortgage payments or on some type of short term forbearance off and on since then. Records reflect on time payments dating back to 2014, with no hiccups until XXXX. So if we pay for PMI, Why are we constantly getting denied a lower mortgage payment option. It really seems that we are being beaten down for every dollar with no reprieve. Isn't this the sort of thing the PMI was supposed to assist families with? We love our home and can afford it with slightly lower payments. Shouldn't this be an option with FHA mortgages? Please help...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A