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3692587
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2020-06-10
|
Charged fees or interest you didn't expect
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Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2020-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This account is a checking account overdraft protection line of credit account. The checking account was opened years ago, not XX/XX/2020. When I closed out my Bank of the West mortgage and then closed the checking account, I was given a dollar amount to fully cover any outstanding balance.
Obviously this amount I was given was wrong!!! So Bank of the West puts a charged off account on my credit for this? And stops me from qualifying for a new mortgage at the highly qualified interest rate I have earned.
How can an account open XX/XX/2020, close XX/XX/2020 and be reported as a charge off? And XXXX reports the Date of First Delinquency is XX/XX/2020. That is 17 days before the account was opened, according to FCRA reporting.
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| Consumer Consent Provided |
Consent provided
|
|
|
5104029
|
2022-01-12
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Checking or savings account
|
| Sub Issue |
Money was taken from your account on the wrong day or for the wrong amount
|
| Sub Product |
Savings account
|
| Date Received |
2022-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3043990
|
2018-10-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-10-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3972497
|
2020-11-23
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2020-11-23
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
5271244
|
2022-02-28
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Problem with a credit reporting company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Loan
|
| Date Received |
2022-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.
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| Consumer Consent Provided |
Consent provided
|
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