|
10564468
|
2024-10-24
|
Getting a line of credit
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2024-10-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Consumer Consent Provided |
N/A
|
|
|
5074820
|
2022-01-05
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-06
|
| Complaint What Happened |
XXXX, nice and XXXX I have been in forbearance since abril of 2021 my first payment stated in XXXX but they told me that Im not in forbearance anymore and never put that money at the end of my Loan. On XX/XX/XXXX if I dont pay XXXX my house will go on forcloser. I have send them all the paper work they asked.
City national bank and loss mitigation dept
|
| Consumer Consent Provided |
Consent provided
|
|
|
4789229
|
2021-10-07
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Servicemember
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2021-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-19
|
| Complaint What Happened |
Greetings, This is a ongoing problem that's caused serious hardship. I have been with this bank since XXXX. I have all my statements. I asked for help but here 's a list of unjust treatment : 1.Allowing double billing from XXXX XXXX XXXX 2. Allowing payments to be honored even when proof was given 3. Refusing to complete complaint form- stating it is a " merchants accounts '' and they don't get involved.
4. Ghost billing- taking money out of my account twice- for example- held {$1400.00} and {$1700.00} in the pending category which CAUSED a NSF. However, why? I only have one car and showed them my original contract but that didn't matter. The only thing posted was the {$1400.00}? But the {$1700.00} is lost somewhere in banking heaven. It was held, and never returned. This transactions doesn't appear on the original bank statement. But I have proof.
5. I deposit {$400.00} cash in the ATM but it didn't posted into my account. I brought this to the bank 's attention and showed the receipt. They put it back but later took it out. I only found this out later. I want my {$400.00}.
6. The deposit are received and posted on different days, which caused NSF 7. The monthly charges are different 8. Refused to give me Disclosures forms.
Dates XX/XX/XXXX billed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ATM This has cost my business a great hardship. I was told by the representative " the bank consider you a risk ''. Asked for more information and disclosure. They refused. This is my business account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3728409
|
2020-07-03
|
Closing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not received from closed account
|
| Sub Product |
Checking account
|
| Date Received |
2020-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-03
|
| Complaint What Happened |
Ref : XXXX Sirs, Your email to me today states that the bank has responded saying they need an additional sixty days! My account was first frozen at the end of XXXX. The funds were removed on or around XX/XX/XXXX. I was notified by letter ( sent to the WRONG ADDRESS ) on XX/XX/XXXX a full six weeks after the hold was placed on almost {$6000.00}!
I believe there handling of this has been bullying threatening usurping funds and now to add insult to injury they : require : an additional sixty days, when those funds include my {$2100.00} monthly Social Security AND my {$1200.00} stimulus payment which, I believe by law they were supposed to return to Treasury and not hold!
Their vindictiveness has truly harmed me operationally and also financially! With the time already given to them to review matters, I believe their actions are injurious to me as will indeed by the cause of suit action once the funds are released to me!
Can you PLEASE bring the complete weight of CFPB on them to complete their review and release the funds! By my calculation a " normal '' 90 day period would be completed by now and to ask for additional time is bogus especially since they denied me access in XXXX!
With the authority CFPB has I ask that this case be closed immediately and all funds be returned to me XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4246118
|
2021-03-23
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem making or receiving payments
|
| Sub Product |
Checking account
|
| Date Received |
2021-03-23
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-25
|
| Consumer Consent Provided |
N/A
|
|
|
3120215
|
2019-01-08
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2019-01-08
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-01
|
| Consumer Consent Provided |
N/A
|
|
|
3310271
|
2019-07-17
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2019-07-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3582121
|
2020-03-27
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-07
|
| Complaint What Happened |
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with City National Bank ( CNB ), based in Florida.
In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX.
During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with CNB.
I recently discovered through my credit report monitoring that CNB destroyed my XXXX score and lowered it by almost 140 points by reporting a single late 30 day payment!!
This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances.
I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances.
I am hopeful that you can rectify this matter with CNB promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3693922
|
2020-06-10
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2020-06-10
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-26
|
| Consumer Consent Provided |
N/A
|
|
|
7965240
|
2023-12-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-14
|
| Complaint What Happened |
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
|
| Consumer Consent Provided |
Consent provided
|
|
|
3382794
|
2019-09-23
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not handled or disbursed as instructed
|
| Sub Product |
Checking account
|
| Date Received |
2019-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6921047
|
2023-05-02
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-17
|
| Complaint What Happened |
On XX/XX/XXXX I submitted a completed loss mitigation application to City National Bank as I was experiencing temporary unemployment and loss of income. I attempted to be proactive and reach out to XXXX to avoid default. For 3 months CNB has continued to not respond timely and to request the same documentation over and over again never once making a decision. At no point has there ever been a SPOC assigned to my case to make contact and to let me know what was needed to move forward. They continued to ask for the same income documentation on a weekly basis that was provided and intentional dragged out the process only to deliver a loss mitigation denial on XX/XX/XXXX. CNB has had ample time and documentation on which to make a decision of approval or denial. This loan has never gone into default however I struggled to make the payments until recently when my employment was reactivated in XXXX. These practices are unfair, deceptive and abusive in nature and do not comply with federal regulatory requirements for the loss mitigation process. These practices of delayed reaction and decisioning are tactical and strategic and discriminatory in nature.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8208464
|
2024-01-23
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-25
|
| Complaint What Happened |
Mortgage was the best option for my concern, but it involves after XXXX XXXX a mortgage.
After XXXX XXXX a mortgage for my new home I have been bombarded with these notices in my XXXX that appear to be from my lender but in fact are not. The marketing presentation these companies are using is deceptive and can be frightening because of the wording on the cover of the mailers or envelopes such as " Final Notice ''. These companies for Home Warranty , Mortgage Insurance and the like. I find these to be very harmful and create unnecessary stress for me as a homeowner and always sensitive to any information that comes stating my mortgage company name. This should be regulated more closely, or they need to be stopped from using the marketing tactics of scaring people into calling them. I have attached XXXX examples I received today among the many others received as well.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4468608
|
2021-06-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-06-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-17
|
| Consumer Consent Provided |
N/A
|
|
|
4622664
|
2021-08-11
|
Incorrect information on your report
|
Mortgage
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-08-11
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-25
|
| Consumer Consent Provided |
N/A
|
|
|
8906569
|
2024-05-01
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2024-05-01
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-01
|
| Consumer Consent Provided |
N/A
|
|
|
3706300
|
2020-06-17
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2020-06-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-19
|
| Consumer Consent Provided |
N/A
|
|
|
4234360
|
2021-03-19
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-03-19
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-25
|
| Consumer Consent Provided |
N/A
|
|
|
3696483
|
2020-06-12
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not received from closed account
|
| Sub Product |
Checking account
|
| Date Received |
2020-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-02
|
| Complaint What Happened |
Following the filing of a Complaint with your office, City National Bank drained my account. So far they have not informed me of the disposition of almost {$6000.00} the account held!
I reached out to the Bank this morning and I do not believe they will respond to me!
I have an open complaint with the bank on file with you/ Claim number active on file is XXXX relating to the ho0ld on funds!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 51 minutes ago ) to Dhaanwatie, XXXX, XXXX Thank you for your continued callousness and non communication!
I see that as of this morning, my Account balance is at XXXX! Please make ABSOLUTELY CERTAIN that this account is CLOSED, effective today!
Also please confirm disposition of the funds that the account held! Because it contains STIMULUS money and Social Security funds, please confirm these funds will be reimbursed to me and provide a timeline on disbursement of funds being returned to me!
Your response will be shared with the Financial Protection office!
I can not say it has been a pleasure working with you! It certainly has not!
XXXX XXXX XXXX Please note that beside the banker I have also e-mailed the President of City National Bank
|
| Consumer Consent Provided |
Consent provided
|
|
|
5961554
|
2022-09-09
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3564234
|
2020-03-12
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-03-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-18
|
| Consumer Consent Provided |
N/A
|
|
|
7965365
|
2023-12-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-14
|
| Complaint What Happened |
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Between XX/XX/2023 and XX/XX/2023, your XXXX/CITY NATIONAL BA mortgage balance increased by {$1900.00} from {$320000.00} to {$320000.00}.
account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
|
| Consumer Consent Provided |
Consent provided
|
|
|
7191364
|
2023-06-29
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2023-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5047778
|
2021-12-28
|
Unauthorized transactions or other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Tags |
Servicemember
|
| Issue |
Unauthorized transactions or other transaction problem
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2021-12-28
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-18
|
| Consumer Consent Provided |
N/A
|
|
|
5265222
|
2022-02-26
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-02-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-17
|
| Complaint What Happened |
I have over. XXXX dollars in late fee while in forbearance. They need to credit me all this money. Attached letter how they made makes with my loan. My second complain their response was this not there problem!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5138980
|
2022-01-22
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-03
|
| Complaint What Happened |
City national bank, have put me in a stressful and mentally unstable due to their incompetence with my forbearance. Attached fine the letter they send me offering three month of forbearance I will never except anything from them after 8 month of trying to reach out to them. At no time have they CREDIT my late fees of 200 or more plus 30.00 of property inspection. My loan payment went up due to these fee that I was cover under the forbearance act. At no time the loan manager or their assistants have reach out to me I had to take a loan to pay all that past due amount which was not past due. My credit has also been affected because of the late payment they have managed to destroy my credit. The stress and mental issue they have left me is undeserving at these horrible time we are dealing with. Including losing my job after 14 years due to COVID19. My loan increase 50 more dollars due to all the late fee the escrow acct become -. I hope this is resolved soon. Thank you.
I cant believe that at no time in this letter offered me all my fees back!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3353932
|
2019-08-26
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2019-08-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-05
|
| Consumer Consent Provided |
N/A
|
|
|
7328874
|
2023-07-31
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-07-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-16
|
| Complaint What Happened |
In XX/XX/XXXX I got a Heloc from XXXX XXXX for {$500000.00} It was a 20 year loan with 5 years interest only. I was still billed at 3.5 fixed every month after the 5 year interest only period. I paid a little extra every month. Every statement said 3.5 fixed. It is now XX/XX/XXXX and they want to bill me {$41000.00} for past due principle and interest. At no time did my monthly statements reflect a rate that was variable to XXXX XXXX Had I ever been notified in the past 3 years that my interest rate was going to increase 5 %, to 8.25. I could have shopped for a new loan at a competitive rate. The bank is now called City National Bank.
My loan # XXXX Interest through XX/XX/XXXX {$18000.00} One days interest {$99.00} Late charges {$250.00} Past due principle {$20000.00} I just received a second notice demanding {$41000.00} My loan shows a principle balance of {$430000.00} In XXXX of XXXX I was notified of a retroactive increase of interest for over a year in the past.
For over 7 years every statement I received shows 3.5 %.
The bank is now demanding 8.25 % and {$41000.00} to cover previous principle and interest.
As a consumer, had I been billed properly, I could have governed myself accordingly and shopped for a better rate. Every statement shows 3.5. I have every statement. The bank is demanding money they did not bill me for.
The original note did dictate a variable interest rate, but it never was billed.
Every statement up until XX/XX/XXXX said 3.5 fixed.
As interest rates increased, had I been notified, I could have refinanced.
This is the fault of the bank.
The bank billed at 3.5 % The solution would be to maintain the loan at 3.5 and retract the demand of almost {$42000.00} I followed my statements and paid what I was billed and more every month.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5303023
|
2022-03-09
|
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 |
BCI FINANCIAL GROUP, INC.
|
| 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 |
2022-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-18
|
| Complaint What Happened |
In XX/XX/2021 i called City National Bank of Florida, telling them that i did not recognize a charge for XXXX $ on my Bank Statement. At that moment, i spent 40 minutes with a person on the line with him asking me a million questions, which i gladly answered. When all this was over, he confirmed it was a fraud as the charge showed in Oregon and i reside in XXXX, Florida. He then confirmed that i would be issued a new card and that i would be credited the XXXX $ to my account.
3 months later the card never arrived and nothing was credited to my account. I then called again, went through the same procedure to which they then said the same thing. The funds were supposed to be credited to my account and a new card would be sent my way. To this day, none of this has happened. It is embarrassing and infuriating to see how these banks dismiss peoples needs. I have my business accounts with them and keep extremely high average ledger balances and not even that gives me the leverage for them to solve a ridiculous dispute of this nature.
Now, they've sent me a letter saying that due to the nature of my dispute, the transaction needs to be disputed directly with the merchant. I DID NOT AUTHORIZE THE CHARGE!!!!
Please help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
9052020
|
2024-05-18
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2024-05-18
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-23
|
| Consumer Consent Provided |
N/A
|
|
|
7369664
|
2023-08-08
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
BCI FINANCIAL GROUP, INC.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2023-08-08
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-25
|
| Consumer Consent Provided |
N/A
|
|
