|
4482432
|
2021-06-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-22
|
| Complaint What Happened |
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft BK WEST Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2835761
|
2018-03-07
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-03-07
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-07
|
| 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
|
|
|
2645745
|
2017-08-23
|
Charged fees or interest you didn't expect
|
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 |
2017-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : Contract Number XXXX The Bank of West # XXXX, The Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX Dear Sir or Madam : My name is XXXX XXXX, I am writing to dispute/remove a billing error in the amount of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on the account XXXX* with The Bank of the West. The account # XXXX* is not my account, it belongs to my ex-husband XXXX XXXX XXXX XXXX . In XX/XX/XXXX during our marriage, XXXX XXXX took a loan the Bank of the West ( Contract # XXXX ) to purchase a boat XXXX XXXX XXXX XXXX.
This boat was registered oXXXX XXXX XXXX XXXX XXXX name. XXXX XXXX purchased this boat for himself and wanted to keep it, the ownership of this boat, as well as a responsibility of the loan, was assigned to XXXX XXXX as it was stated in the Divorce Dissolution order : The Husband ( XXXX XXXX XXXX ) shall be entitled to exclusive use and ownership of the boat, and shall hold the Wife XXXX XXXX XXXX ) harmless with regards to any loan or lien. [ XX/XX/XXXX, the XXXX Court, Fifth Judicial Circuit in and XXXX County, Florida ].
In addition, I do not believe that I sign this contract. I am a foreigner, and during the whole marriage, I was not allowed to make any financial decisions. XXXX XXXX XXXX XXXX often sign documents on my behalf.
In XX/XX/XXXX, it came to my attention that my credit score went significantly down. It was due to the Bank of the Wests record of the boat loan account. From my credit reports [ XXXX, XXXX, and XXXX ] I discovered that XXXX XXXX has stop paying for the boat on XX/XX/XXXX [ 120 days in delinquency at that point ], then he voluntary surrendered it to the bank.
I immediately called the Bank of the West. The Bank of the West representative [ XXXX XXXX ] stated I have a diligent account with this bank, I owe the payment for an outstanding balance of {$15.00}, XXXX. I sent a certified letter with a copy of the divorce dissolution and explained that I dont have any legal responsibility on this loan. During the 120 days of the period of delinquency, deficiency and the irregular payments from XX/XX/XXXX-XX/XX/XXXX, the Bank of the West has never contacted me. I have never received any response from the bank and, to make sure that this issue was solved, I contacted the bank again by phone. Since the bank neglected to respond to my letter, I requested the bank representative ( XXXX XXXX ) to record our conversation. XXXX XXXX has assured me that our conversation was recorded.
I sent 3 certified letters to the Bank of the West [ XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX] with a request to clear my account and correct my credit score. I called again several times but did not get any reasonable answer. Only onXX/XX/XXXX I received a EXPLANATION OF DEFICIENCE AND DEMAND FOR PAYMENT letter from the Bank of the West, in which it was stated that I am responsible for a deficiency on the loan and I must pay a remaining balance of XXXX.
If the Bank of the West holding me responsible for XXXX XXXX XXXX XXXX account, then the Bank of the West required : Notify me in writing that XXXX XXXX has surrendered the boat and I am considered responsible to pay it.
Notify and not allowed to put the boat on the auction and sell it without me letting me know about their actions.
Notify me about the delinquent account in a timely manner.
The Bank of the West Bank ignored/ neglect my letter ( s ). The bank has notified me about considering me liable in letter only 266 days after XXXX XXXXXXXX has surrounded the boat and 120 days after the boat was sold.
I believe that the Bank of the West is accountable for damaging my credit score and should contact all three credit bureaus to correct their records on my credit score. I dont believe it can be legal for the bank to pass a loan from XXXX XXXX XXXX XXXX to me, to create a significant debt by the auction short sale and dramatically damage my credit score and, consequently, my financial standing.
I believe it is a standard procedure that a bank, as any business, is required to address received inquiries and to respond in a timely manner.
I also understand that the bank was required to reply to my first request ( XX/XX/XXXX ) within 40 days and, by not doing this the Bank of the West had neglected my rights.
With this letter, I respectfully request you to investigate this situation, remove my name from this loan account, and correct my credit report. I would really appreciate your efforts in standing for the consumers rights.
Sincerely, XXXX XXXX Enclosed : A copy of the letter from the Bank of the West Demanding Letter, XX/XX/XXXX.
A copy of pages from final Judgment of a Marriage dissolution.
Receipt Certified Mail Receipts Cover Sheet for Family Court Case A copy of Motion for Civil Contempt/Enforcement.
A copy of my first letter to the Bank.
A copy of my second letter to Bank.
A copy of letter response from the Independent Bank. [ XXXX XXXX XXXX had 2 delinquent accounts, with the Bank of the West and with Independent Bank- independent Bank sent me the letter in response to my request ].
|
| Consumer Consent Provided |
Consent provided
|
|
|
184771
|
2012-11-05
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2012-11-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2012-11-06
|
| Consumer Consent Provided |
N/A
|
|
|
229709
|
2013-01-12
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2013-01-12
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-01-14
|
| Consumer Consent Provided |
N/A
|
|
|
4423817
|
2021-06-02
|
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 |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-02
|
| 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 horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.
The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.
I continued to hold for 3 hours.
I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address.
I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3188325
|
2019-03-21
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-03-21
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-22
|
| 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
|
|
|
1258061
|
2015-02-26
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-02-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-26
|
| Consumer Consent Provided |
N/A
|
|
|
2482325
|
2017-05-11
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2017-05-11
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-11
|
| Consumer Consent Provided |
N/A
|
|
|
598423
|
2013-11-14
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2013-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-19
|
| Consumer Consent Provided |
N/A
|
|
|
3585694
|
2020-03-30
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem while selling or giving up the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2020-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I paid off my loan with Bank of the west XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THE COMPANY IS HOLDING SINCE XXXX XXXX {$2900.00} FROM MY CANCELLATON OF MY WARRENTY AGREEMENT. spoke to customer service six times and I get from them, they do not know where the money is, yet I hold the letter stating they have the money and to call them, but when I call they escalated three times and on XX/XX/2020 once again spoke with a supervisor XXXX XXXX XXXX and even with the letter he says he does not see the letter, this must be some kind of joke.
This bank takes advantage of XXXX individuals, it is horrible. If I did not pay them a loan payment I would be in court. This is unacceptable that that they can hold {$2900.00} of my money for no reason.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3877650
|
2020-10-02
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2020-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-02
|
| 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
|
|
|
3700435
|
2020-06-15
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Tags |
Older American
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2020-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My name is XXXX XXXX XXXX and I have been a victim of scam and identity theft. I initiated a Police Report with the XXXX Sheriff Office ; Florida ; ph. XXXX ; XXXX Case Number XXXX and a Complaint with the FTC Rpt. # XXXX. The scam is related to : I performed a serial of wire transfer ( a total of 3 wire transfer {$31000.00} ) at the request of the Social Security Administration ( SSA ) and the Federal Trade Commission ( FTC ) guided by XXXX XXXX a fictitious DEA agent. Funds were wire transferred from my XXXX XXXX XXXX XXXX Account # XXXXX ; Routing # : XXXX to other 2 Bank accounts ( account numbers available upon request ; name of the banks : " XXXX XXXX XXXX '' ; ( XXXX ) and " Bank of the West '' ; XXXX ) the account numbers and routing number for these banks were provided by the fictitious DEA Agent, named XXXX XXXX ( phone used to initiate the scam XXXX he used other numbers also ). On XX/XX/2020 ; I did the first wire transfer of XXXX to XXXX XXXX XXXX ; the second on XX/XX/2020 for {$10000.00} and the third on XX/XX/2020 for {$11000.00}, both wire transfers to Bank of West ; for a total of {$31000.00}. On XX/XX/2020, I found I that this was an scam, when I called the Drug Enforcement Office, and told them that a DEA agent named XXXX XXXX made me wire transfer money to XXXX banks. The XXXX XXXX told me that call immediately the XXXX XXXX XXXX XXXX to recall the wire transfers and that XXXX XXXX was not a DEA agent. I immediately called XXXX XXXX XXXX and they recalled all the wire transfer from both banks. The Credit Union could recalled the wire transfer of XXXX from XXXX XXXX XXXX ( which were wire transferred on XX/XX/2020 ) but could not recalled the 2 wire transfers for Bank of the West ( which were wire transferred on XX/XX/2020 ( {$10000.00} ) and XX/XX/2020 ( {$11000.00} ). In addition was also very difficult to communicate to the Bank of the West ; according to the XXXX XXXX XXXX XXXX. Please I need help to recuperate my money from Bank of the West located in California. Please if you publish this notice, remove my name and personal data from this notification.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4425655
|
2021-06-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-02
|
| Consumer Consent Provided |
Other
|
|
|
5055061
|
2021-12-29
|
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 |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-29
|
| 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 been trying to pay off my Bank of the West loan. I have tried calling them and wait times are over 60 minutes long and I keep getting disconnected. I have sent a bill pay from my checking account at another institution. It has been 10 days and the pay off has still not posted. I have been leaving secured messages to XXXX XXXXia online banking. Today when I went to log on to see if I got a reply, I got the following message.
" Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX ( XXXX ), option XXXX ( XXXX XXXX ). '' How can that be? I have been logging in every day for the last 10 days. I want to sell the loan collateral but I can't until this is paid off and there is a lien release.
This issue is causing my consumer harm.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5040417
|
2021-12-24
|
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 |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX is scrupulous and operates un fairly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6579403
|
2023-02-16
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2023-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1421192
|
2015-06-15
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-06-15
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-18
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3029012
|
2018-09-24
|
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 |
Other banking product or service
|
| Date Received |
2018-09-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-25
|
| 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
|
|
|
4556339
|
2021-07-19
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Mortgage debt
|
| Date Received |
2021-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-19
|
| 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 my husband and I refinanced a motorhome with XXXX XXXX XXXXfor the amount of {$97000.00}. Soon after, XXXX sold our loan to Bank of the West. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and Bank of the West took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for 7 1/2 years there was never a missed or late payment.
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that Bank of the West indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from Bank of the West, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late.
I never heard any more from Bank of the West, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from XXXX XXXX, a collection agency. When I wrote back to XXXX XXXX requesting evidence of this debt, I was sent documentation indicating that Bank of the West basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, Bank of the West indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some XXXX XXXX XXXX XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem.
I am a XXXX senior on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding XXXX XXXX XXXX of dollars for something I can not own.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5441630
|
2022-04-13
|
Getting a credit card
|
Credit card or prepaid card
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card opened as result of identity theft or fraud
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-04-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-13
|
| 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
|
|
|
5004926
|
2021-12-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2021-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved.
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them.
Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED.
In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Respectfully submitted, XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3542878
|
2020-02-24
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2020-02-24
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-24
|
| 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
|
|
|
4688320
|
2021-09-02
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
1176891
|
2014-12-31
|
Billing disputes
|
Credit card
|
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Credit card
|
| Date Received |
2014-12-31
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-13
|
| Consumer Consent Provided |
N/A
|
|
|
3765046
|
2020-07-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2020-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-26
|
| 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
|
|
|
941905
|
2014-07-17
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Bank account or service
|
| Sub Product |
(CD) Certificate of deposit
|
| Date Received |
2014-07-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-17
|
| Consumer Consent Provided |
N/A
|
|
|
3437713
|
2019-11-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2019-11-13
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-13
|
| 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
|
|
|
2805397
|
2018-02-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
BANK OF THE WEST
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-06
|
| 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
|
|
|
2765209
|
2017-12-27
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
CD (Certificate of Deposit)
|
| Date Received |
2017-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.
As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements.
We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements.
We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3957894
|
2020-11-13
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
BANK OF THE WEST
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2020-11-13
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-16
|
| 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
|
|
