|
11201330
|
2024-12-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
3958322
|
2020-11-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it.
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX I have not heard from anyone. I would like my funds overnighted to me ASAP.
This is completely unacceptable and a very poor customer experience.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3921212
|
2020-10-27
|
Closing on a mortgage
|
Mortgage
|
|
| Issue |
Closing on a mortgage
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX I obtained a construction-to-permanent loan from United Community Bank. It was discovered after closing that an error was made on the part of XXXX XXXX, the loan originator, whereby the loan amount shorted by {$10000.00}. It happened, I suspect, when she referenced an out-of-date contract prior to closing. This was despite having the correct document in hand, supported and evidenced by multiple emails.
I brought the error to XXXX attention on XX/XX/XXXX and later had to reach out to XXXX XXXX, UCBI 's Regional Mortgage Sales Leader, ( after being shut out by XXXX denying any mistake ) to see how the deficiency could be remedied. The three of us convened a call on XX/XX/XXXX to discuss what happened. And by XX/XX/XXXX, I was assured by XXXX a clear path had been found to move forward.
I completed construction on XX/XX/XXXX and provided all requested documentation to UCBI at that time. It is now XX/XX/XXXX and I'm being forced into a second extension at higher interest rate with no clear end in sight. I've consistently provided all requested information in a timely manner, but the bank can not or refuses to give me any sort of update regarding the loan 's status. They have left me paying interest only at 4.5 % when the loan should have already been converted to permanent financing at 3.125 %.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9255457
|
2024-06-13
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2024-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-13
|
| Consumer Consent Provided |
Other
|
|
|
2822589
|
2018-02-22
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2018-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ).
XXXX had withdrawn my payment from my account of XX/XX/XXXX.
In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired.
I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX.
I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer.
I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3064562
|
2018-11-01
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Checking or savings account
|
| Sub Issue |
Can't close your account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2018-11-01
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-02
|
| 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
|
|
|
7581340
|
2023-09-19
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Mortgage
|
| Sub Issue |
Payment process
|
| Sub Product |
VA mortgage
|
| Date Received |
2023-09-19
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-20
|
| 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
|
|
|
5622268
|
2022-06-01
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2022-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-01
|
| 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
|
|
|
2978834
|
2018-08-01
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
UNITED COMMUNITY BANK
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-01
|
| 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
|
|
