10853861
|
2024-11-19
|
Closing an account
|
Checking or savings account
|
|
Issue |
Closing an account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Company closed your account
|
Sub Product |
Checking account
|
Date Received |
2024-11-19
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-19
|
Consumer Consent Provided |
Other
|
|
4296034
|
2021-04-13
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-04-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-04-13
|
Complaint What Happened |
First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company.
Loan XXXX
|
Consumer Consent Provided |
Consent provided
|
|
4479426
|
2021-06-21
|
Incorrect information on your report
|
Checking or savings account
|
|
Tags |
Older American
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Information belongs to someone else
|
Date Received |
2021-06-21
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-08
|
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
|
|
5012939
|
2021-12-15
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Deposits and withdrawals
|
Sub Product |
Checking account
|
Date Received |
2021-12-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-12-15
|
Complaint What Happened |
I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.
|
Consumer Consent Provided |
Consent provided
|
|
3851298
|
2020-09-17
|
Managing an account
|
Checking or savings account
|
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Problem accessing account
|
Sub Product |
Checking account
|
Date Received |
2020-09-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-09-23
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I have never been able to access the statements online. When I call they tell me that the case will be transferred to the tech team. Nothing every gets fixed. I called today XXXX and the rep hung up on me. This is unacceptable.
|
Consumer Consent Provided |
Consent provided
|
|
4478677
|
2021-06-21
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-06-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-18
|
Complaint What Happened |
My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount.
The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI.
Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).
|
Consumer Consent Provided |
Consent provided
|
|
3332775
|
2019-08-07
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Other type of mortgage
|
Date Received |
2019-08-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-08-14
|
Complaint What Happened |
I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same.
Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt.
I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )
|
Consumer Consent Provided |
Consent provided
|
|
2863935
|
2018-04-02
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
Issue |
Problem with a purchase shown on your statement
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit card or prepaid card
|
Sub Issue |
Card was charged for something you did not purchase with the card
|
Sub Product |
General-purpose credit card or charge card
|
Date Received |
2018-04-02
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-04-09
|
Consumer Consent Provided |
N/A
|
|
2910969
|
2018-05-17
|
Problem caused by your funds being low
|
Checking or savings account
|
|
Issue |
Problem caused by your funds being low
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Overdrafts and overdraft fees
|
Sub Product |
Checking account
|
Date Received |
2018-05-17
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-21
|
Consumer Consent Provided |
N/A
|
|
3984981
|
2020-12-01
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Vehicle loan or lease
|
Sub Issue |
Account status incorrect
|
Sub Product |
Loan
|
Date Received |
2020-12-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-14
|
Complaint What Happened |
In XXXX he took out a car loan with First Bank Puerto Rico. In XX/XX/XXXX I had a car accident where the unit was declared total loss and the Insurance paid in full ( GAP ) to the bank. Since that time, said bank has reported different versions to the credit agencies where the last thing they have done has been to update an alleged debt of {$7700.00} where they converted a car loan into a personal one, even informing that I recently stopped paying which is not true. This banking institution is well known for this type of tricks and false information towards former clients or people who have had similar situations to mine. At the same time, I have communicated with these people, which I have received from them, they have been threats, they have even told me to stop all procedures in the credit agencies.
Mode of operation the person has an accident, the unit is declared a total loss, they collect the gap and additionally wait a few months later and install a new debt in the credit agencies when they have already collected the total loss of the unit.
I hope you can investigate this situation as I am not the only person who has been through this .I have tried to get this bank to fix the information on my credit but what they have done is threaten me and change the information by reporting fraudulent information. In all the credit agencies I have objected to the information that appears for which I have a history of claims and what this bank has done is update the information and put it as if it were recent or they are reporting false information
|
Consumer Consent Provided |
Consent provided
|
|
2765119
|
2017-12-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2017-12-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-04
|
Complaint What Happened |
On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed.
On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report.
A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
|
Consumer Consent Provided |
Consent provided
|
|
1807601
|
2016-02-27
|
Problems caused by my funds being low
|
Bank account or service
|
|
Issue |
Problems caused by my funds being low
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2016-02-27
|
Submitted Via |
Web
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-05-02
|
Consumer Consent Provided |
Other
|
|
2817358
|
2018-02-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2018-02-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-03-01
|
Complaint What Happened |
This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file
|
Consumer Consent Provided |
Consent provided
|
|
3847863
|
2020-09-15
|
Incorrect information on your report
|
Checking or savings account
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Checking account
|
Date Received |
2020-09-15
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-10-01
|
Consumer Consent Provided |
N/A
|
|
1766031
|
2016-01-31
|
Account opening, closing, or management
|
Bank account or service
|
|
Tags |
Older American
|
Issue |
Account opening, closing, or management
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2016-01-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2016-02-04
|
Complaint What Happened |
I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX.
I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence.
The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft.
I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.
|
Consumer Consent Provided |
Consent provided
|
|
1641374
|
2015-11-05
|
Making/receiving payments, sending money
|
Bank account or service
|
|
Issue |
Making/receiving payments, sending money
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2015-11-05
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-11-06
|
Consumer Consent Provided |
N/A
|
|
1641833
|
2015-11-05
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2015-11-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2015-11-10
|
Consumer Consent Provided |
Other
|
|
389063
|
2013-04-23
|
Other fee
|
Credit card
|
|
Issue |
Other fee
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit card
|
Date Received |
2013-04-23
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-04-25
|
Consumer Consent Provided |
N/A
|
|
592722
|
2013-11-09
|
Other
|
Credit card
|
|
Tags |
Older American
|
Issue |
Other
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit card
|
Date Received |
2013-11-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-11-09
|
Consumer Consent Provided |
N/A
|
|
10558258
|
2024-10-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-23
|
Consumer Consent Provided |
Consent not provided
|
|
4532436
|
2021-07-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2021-07-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-10
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments.
Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
|
Consumer Consent Provided |
Consent provided
|
|
2561969
|
2017-06-29
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2017-06-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-07-10
|
Complaint What Happened |
My husband and I, have a conventional mortgage on our primary residence. We have paid all our monthly obligation on time, which includes P & I & escrow. In addition, required insurance on the property has been paid as well for the years XX/XX/XXXX- XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX ( please see policies and receipt attached ). In XX/XX/XXXX, we paid XX/XX/XXXX-XX/XX/XXXX and on XX/XX/XXXX, we paid the amount to cover XX/XX/XXXX- XX/XX/XXXX ( policy has to be renewed on or before XX/XX/XXXX.
Nevertheless, the Bank forplace an insurance policy despite we had a policy placed on time. Today, we have a XX/XX/XXXX YTD escrow account amounting to {$2700.00}, which represents 60 % of the real estate taxes we paid last year ; if this charge continues, we will pay around {$5400.00} ( 38 % more of what we paid in XX/XX/XXXX. This is an abuse since we have our insurance current and our insurance agent has provided evidence of the payments.
|
Consumer Consent Provided |
Consent provided
|
|
3442437
|
2019-11-18
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2019-11-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-11-21
|
Complaint What Happened |
I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.
|
Consumer Consent Provided |
Consent provided
|
|
1765960
|
2016-01-31
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-01-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-02-03
|
Complaint What Happened |
This is a current complain # Case number : XXXX.
I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days.
More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.
|
Consumer Consent Provided |
Consent provided
|
|
2850146
|
2018-03-21
|
Managing an account
|
Checking or savings account
|
|
Tags |
Servicemember
|
Issue |
Managing an account
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Checking or savings account
|
Sub Issue |
Fee problem
|
Sub Product |
Checking account
|
Date Received |
2018-03-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-03-28
|
Complaint What Happened |
First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.
|
Consumer Consent Provided |
Consent provided
|
|
5088146
|
2022-01-10
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Problem with a credit reporting company's investigation into an existing problem
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2022-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-01-10
|
Complaint What Happened |
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco XXXX, continue with it making monthly payments until XX/XX/XXXX when it was closed.
My acquisition of an account with Banco XXXX of PR ( XXXX ) was through a change made by the banking institutions of Banco Santander of Puerto Rico and Banco XXXX Puerto Rico. Once the institutions were joined, my Santander bank credit account goes to the XXXX XXXX, for which XXXX assumes responsibility for it.
The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the XXXX Bank and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
4489093
|
2021-06-24
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-06-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-06-24
|
Complaint What Happened |
I have my mortgage with FIRSTBANK PUERTO RICO and they require an escrow account and pay my hazard insurance and property tax from that account. In XXXX and again this year, there has been difficulties with the check reaching my insurance company. Last year, my hazard insurance policy almost lapsed due to a late payment. Again, this year the check never reached my insurance company. Of course they have the correct address for XXXX XXXX. Management at FIRSTBANK PUERTO RICO blames USPS which is unacceptable. They are responsible for timely payment.
I suggested they used XXXX or USPS overnight with tracking as we are very late and this time the insurance will lapse and management at the bank was bold enough to suggest that I should pay for the extra shipping charges. I refused.
I have attached email correspondence which shows this occurred last year in XXXX and again in occurring now in XXXX. This is a serious situation as my insurance will lapse. I don't have the funds to pay myself.
Also in summary, you may see other complains from me regarding FIRSTBANK PUERTO RICO. They are incompetent and in my opinion, should seriously be investigated.
|
Consumer Consent Provided |
Consent provided
|
|
3675350
|
2020-05-29
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2020-05-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-06-11
|
Complaint What Happened |
I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous.
Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.
|
Consumer Consent Provided |
Consent provided
|
|
1454212
|
2015-07-07
|
Managing the loan or lease
|
Consumer Loan
|
|
Issue |
Managing the loan or lease
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Consumer Loan
|
Sub Product |
Vehicle loan
|
Date Received |
2015-07-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-07-13
|
Complaint What Happened |
A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.
|
Consumer Consent Provided |
Consent provided
|
|
3076456
|
2018-11-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Debt collection
|
Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
Sub Product |
Auto debt
|
Date Received |
2018-11-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-11-20
|
Complaint What Happened |
On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them.
After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX.
I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico.
These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications.
Please need your help to fix this immediately.
Thank you very much!
|
Consumer Consent Provided |
Consent provided
|
|
226097
|
2013-01-10
|
Account opening, closing, or management
|
Bank account or service
|
|
Issue |
Account opening, closing, or management
|
Timely |
Yes
|
Company |
FIRSTBANK PUERTO RICO
|
Product |
Bank account or service
|
Sub Product |
Checking account
|
Date Received |
2013-01-10
|
Submitted Via |
Referral
|
Company Response |
Closed with monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-01-16
|
Consumer Consent Provided |
N/A
|
|