determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan modification,collection,foreclosure	SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.
Making/receiving payments, sending money	still having problems with amazons bank-see my letter!
Cont'd attempts collect debt not owed	Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Credit reporting company's investigation	I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
Taking/threatening an illegal action	This debt is beyond the statue of limitations I am not taking responsibility for the payment
Attempts to collect debt not owed	On XXXX / XXXX / 2017 I filed a complaint against a company. You assigned it case number XXXX . On XXXX / XXXX / 2017 you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.
Incorrect information on your report	XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation
Incorrect information on credit report	The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently
False statements or representation	AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.
Disclosure verification of debt	This company used my social to look at my credit report. I did not give them permission, nor did I ever inquire with their services. I believe they are doing fraud.
Disclosure verification of debt	I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.
Incorrect information on credit report	There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.
Improper use of your report	I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.
Struggling to repay your loan	In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.
Other	I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.
Incorrect information on your report	Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to my report.
Incorrect information on your report	Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.
Can't repay my loan	That I was charged to much
Loan servicing, payments, escrow account	My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.
Disclosure verification of debt	I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! and the bills are just less than {$100.00}!!!
Written notification about debt	I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved
Attempts to collect debt not owed	I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX at this time.
Written notification about debt	sent validation notices to OPTIMUM OUTCOMES INC, they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.
Incorrect information on credit report	I have judgements on my transunion credit report that have been paid off and should never have been reported. The sums were paid in full. I am still a resident of the apartment complex. I would like for these items to be removed.
Improper use of your report	I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
Problem with a credit reporting company's investigation into an existing problem	EQUIFAX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Incorrect information on your report	I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.
Communication tactics	They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it to stop
Loan modification,collection,foreclosure	I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale
Incorrect information on your report	They completely ignored my concerns.
Improper use of your report	I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Incorrect information on your report	Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on Equifax and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Loan servicing, payments, escrow account	my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017
Incorrect information on credit report	Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to XXXX.
Incorrect information on your report	I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.
Other	I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.
Incorrect information on credit report	XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. Please update my credit report and score.
Attempts to collect debt not owed	California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.
Incorrect information on your report	We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
Fraud or scam	defrauded out of XXXX bywire transfer fraud/ scam.
Taking out the loan or lease	On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.
Problem with a credit reporting company's investigation into an existing problem	CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.
Charged fees or interest I didn't expect	I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.
Taking out the loan or lease	Loan has been paid in full and as agreed, but it is showing up as a derogatory account.
Improper use of your report	Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.
Incorrect information on credit report	I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account.
Improper use of your report	I have called and mailed numerous requests regarding these inquiries that did n't belong to me. XXXX XXXX / XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX e XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX , XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX via XXXX XXXX XXXX XXXX / XXXX / XXXX
Improper use of your report	I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Incorrect information on credit report	My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )
Account opening, closing, or management	I opened a Citigold checking account with a bonus offer of XXXX Thank you points. Before opening it, I confirmed I was eligible for it. I completed the requirements and waited 90 days for the bonus points. I chatted with a Citi rep named XXXX who confirmed I 'll get the points. Now Citi is saying I 'm not eligible for them.
Took or threatened to take negative or legal action	In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.
Incorrect information on your report	I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Dealing with my lender or servicer	I submitted the correct amount that was left on the loan to pay it off, and noticed while the payment was being processed they increased the amount owed, therefore keeping the loan active.
Dealing with your lender or servicer	I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?
Account opening, closing, or management	Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.
Incorrect information on your report	I mailed all documents requested by the representative by the name of XXXX the early part of XXXX XXXX or around that time. This account was approved by the financial department to be written off due to me being indigent and I 'm quite frankly tired of seeing this on my report!! WHY? ask for documents for proof of the medical facility writing this {$150.00} off if it 's not going to be applied ... ... and dismissed for XXXX sakes.
Balance transfer fee	CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.
Problem with fraud alerts or security freezes	XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.
Improper use of your report	There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.
Improper use of your report	Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX , 2017 . I never authorized a credit check for anybody in the past XXXX years. it is showing up on my XXXX report
Problem with customer service	I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me
Incorrect information on your report	Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Unable to get credit report/credit score	Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. I was not in the United States in XXXX XXXX. I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.
Dealing with my lender or servicer	Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.
Incorrect information on credit report	Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. XXXX Inquiry XXXX/XXXX/XXXX. XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Attempts to collect debt not owed	There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. The account is reflected on my credit file as Capital One XXXX {$760.00}
Loan modification,collection,foreclosure	I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.
Incorrect information on your report	XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
Problems caused by my funds being low	I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution
Managing the loan or lease	TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.
Delinquent account	Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.
Cont'd attempts collect debt not owed	XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
Communication tactics	I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!
Improper use of your report	On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Attempts to collect debt not owed	I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.
Credit reporting company's investigation	I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.
Improper use of your report	The customer service would not help and take care of negative inquiries reporting to my credit report.
Loan modification,collection,foreclosure	I was denied loss mitigation because I had received loss mitigation before.
Written notification about debt	The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.
Communication tactics	Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.
Incorrect information on your report	Capital one {$10000.00}
Improper contact or sharing of info	Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.
Cont'd attempts collect debt not owed	I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.
Dealing with my lender or servicer	I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.
Cont'd attempts collect debt not owed	I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.
Can't contact lender	Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.
Problems when you are unable to pay	XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.
Identity theft / Fraud / Embezzlement	I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).
Attempts to collect debt not owed	The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Cont'd attempts collect debt not owed	This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.
Loan servicing, payments, escrow account	Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.
Incorrect information on credit report	There is an apartment in my name but I have never lived there.
Managing an account	I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX
Other fee	XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.
Billing statement	Chase " XXXX '' business credit card claims a 30 day billing period but it is only 15 days.
Communication tactics	I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.
Deposits and withdrawals	Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. Branch address is XXXX XXXX XXXX XXXX FL XXXX

Loan modification,collection,foreclosure

SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.

Making/receiving payments, sending money

still having problems with amazons bank-see my letter!

Cont'd attempts collect debt not owed

Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Credit reporting company's investigation

I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.

Taking/threatening an illegal action

This debt is beyond the statue of limitations I am not taking responsibility for the payment

Attempts to collect debt not owed

On XXXX / XXXX / 2017 I filed a complaint against a company. You assigned it case number XXXX . On XXXX / XXXX / 2017 you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.

Incorrect information on your report

XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation

Incorrect information on credit report

The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently

False statements or representation

AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.

Disclosure verification of debt

This company used my social to look at my credit report. I did not give them permission, nor did I ever inquire with their services. I believe they are doing fraud.

Disclosure verification of debt

I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.

Incorrect information on credit report

There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.

Improper use of your report

I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.

Struggling to repay your loan

In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.

Other

I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.

Incorrect information on your report

Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to my report.

Incorrect information on your report

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.

Can't repay my loan

That I was charged to much

Loan servicing, payments, escrow account

My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.

Disclosure verification of debt

I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! and the bills are just less than {$100.00}!!!

Written notification about debt

I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved

Attempts to collect debt not owed

I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX at this time.

Written notification about debt

sent validation notices to OPTIMUM OUTCOMES INC, they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.

Incorrect information on credit report

I have judgements on my transunion credit report that have been paid off and should never have been reported. The sums were paid in full. I am still a resident of the apartment complex. I would like for these items to be removed.

Improper use of your report

I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.

Problem with a credit reporting company's investigation into an existing problem

EQUIFAX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.

Incorrect information on your report

I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.

Communication tactics

They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it to stop

Loan modification,collection,foreclosure

I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale

Incorrect information on your report

They completely ignored my concerns.

Improper use of your report

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Incorrect information on your report

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on Equifax and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.

Loan servicing, payments, escrow account

my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017

Incorrect information on credit report

Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to XXXX.

Incorrect information on your report

I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.

Other

I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.

Incorrect information on credit report

XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. Please update my credit report and score.

Attempts to collect debt not owed

California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.

Incorrect information on your report

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....

Fraud or scam

defrauded out of XXXX bywire transfer fraud/ scam.

Taking out the loan or lease

On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.

Problem with a credit reporting company's investigation into an existing problem

CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.

Charged fees or interest I didn't expect

I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.

Taking out the loan or lease

Loan has been paid in full and as agreed, but it is showing up as a derogatory account.

Improper use of your report

Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.

Incorrect information on credit report

I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account.

Improper use of your report

I have called and mailed numerous requests regarding these inquiries that did n't belong to me. XXXX XXXX / XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX e XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX , XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX via XXXX XXXX XXXX XXXX / XXXX / XXXX

Improper use of your report

I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Incorrect information on credit report

My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )

Account opening, closing, or management

I opened a Citigold checking account with a bonus offer of XXXX Thank you points. Before opening it, I confirmed I was eligible for it. I completed the requirements and waited 90 days for the bonus points. I chatted with a Citi rep named XXXX who confirmed I 'll get the points. Now Citi is saying I 'm not eligible for them.

Took or threatened to take negative or legal action

In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.

Incorrect information on your report

I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Dealing with my lender or servicer

I submitted the correct amount that was left on the loan to pay it off, and noticed while the payment was being processed they increased the amount owed, therefore keeping the loan active.

Dealing with your lender or servicer

I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?

Account opening, closing, or management

Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.

Incorrect information on your report

I mailed all documents requested by the representative by the name of XXXX the early part of XXXX XXXX or around that time. This account was approved by the financial department to be written off due to me being indigent and I 'm quite frankly tired of seeing this on my report!! WHY? ask for documents for proof of the medical facility writing this {$150.00} off if it 's not going to be applied ... ... and dismissed for XXXX sakes.

Balance transfer fee

CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.

Problem with fraud alerts or security freezes

XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.

Improper use of your report

There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Improper use of your report

Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX , 2017 . I never authorized a credit check for anybody in the past XXXX years. it is showing up on my XXXX report

Problem with customer service

I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me

Incorrect information on your report

Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report

Unable to get credit report/credit score

Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. I was not in the United States in XXXX XXXX. I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.

Dealing with my lender or servicer

Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.

Incorrect information on credit report

Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. XXXX Inquiry XXXX/XXXX/XXXX. XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Attempts to collect debt not owed

There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. The account is reflected on my credit file as Capital One XXXX {$760.00}

Loan modification,collection,foreclosure

I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.

Incorrect information on your report

XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

Problems caused by my funds being low

I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution

Managing the loan or lease

TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Incorrect information on credit report

I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.

Delinquent account

Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.

Cont'd attempts collect debt not owed

XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Communication tactics

I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!

Improper use of your report

On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Attempts to collect debt not owed

I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.

Credit reporting company's investigation

I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.

Improper use of your report

The customer service would not help and take care of negative inquiries reporting to my credit report.

Loan modification,collection,foreclosure

I was denied loss mitigation because I had received loss mitigation before.

Written notification about debt

The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.

Communication tactics

Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.

Incorrect information on your report

Capital one {$10000.00}

Improper contact or sharing of info

Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management.

Cont'd attempts collect debt not owed

I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.

Dealing with my lender or servicer

I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.

Cont'd attempts collect debt not owed

I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.

Can't contact lender

Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.

Problems when you are unable to pay

XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.

Identity theft / Fraud / Embezzlement

I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).

Attempts to collect debt not owed

The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.

Cont'd attempts collect debt not owed

This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.

Loan servicing, payments, escrow account

Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.

Incorrect information on credit report

There is an apartment in my name but I have never lived there.

Managing an account

I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX

Other fee

XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.

Billing statement

Chase " XXXX '' business credit card claims a 30 day billing period but it is only 15 days.

Communication tactics

I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.

Deposits and withdrawals

Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. Branch address is XXXX XXXX XXXX XXXX FL XXXX