Submit a complaint | What type of problem are you having?

This page could not be submitted because the following questions are incomplete or have errors:

Which of these best describes your issue?
Describe what happened so we can understand the issue...
What do you think would be a fair resolution to your issue?

What type of problem are you having?

Most of the [no product selected] complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.

Which of these best describes your issue?

Answer Required

Problems with the mortgage application process
Problems with the mortgage closing process
Problems with the mortgage servicer when you are making payments
Problems with the mortgage servicer when you are unable to pay
Problems with my credit report or score
Problems with a debt collector

Getting a loan
Denial, confusing advertising or marketing, sales tactics or pressure, financial aid services, recruiting, fraudulent loan Can't repay my loan
Deferment, forbearance, default, bankruptcy, payment plan, refinancing, Income-Based Repayment (IBR), Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE) Dealing with my lender or servicer
Making payments, getting information about my loan, managing my account Problems with my credit report or score
Problems with a debt collector

Problems shopping for a loan
Problems getting the loan
Problems managing the loan
Problems when you are unable to pay
Problems with the end of the loan
Problems with my credit report or score
Problems with a debt collector

Problems shopping for a lease
Problems getting the lease
Problems managing the lease
Problems when you are unable to pay
Problems with the end of the lease
Problems with my credit report or score
Problems with a debt collector

Charged fees or interest I didn't expect
Can't stop lender from charging my bank account
Received a loan I didn't apply for
Applied for a loan, but didn't receive money
Lender charged my bank account on wrong day or for wrong amount
Lender didn't credit payment to my account
Can't contact lender
Problems with my credit report or score
Problems with a debt collector

Charged fees or interest I didn't expect
Can't stop lender from charging my bank account
Received a loan I didn't apply for
Applied for a loan, but didn't receive money
Lender charged my bank account on wrong day or for wrong amount
Lender didn't credit payment to my account
Can't contact lender
Lender sold the property
Lender damaged or destroyed property
Problems with my credit report or score
Problems with a debt collector

Charged fees or interest I didn't expect
Can't stop lender from charging my bank account
Received a loan I didn't apply for
Applied for a loan, but didn't receive money
Lender charged my bank account on wrong day or for wrong amount
Lender didn't credit payment to my account
Can't contact lender
Lender repossessed or sold the vehicle
Lender damaged or destroyed the vehicle
Problems with my credit report or score
Problems with a debt collector

Problems shopping for a loan or lease
Problems getting the loan or lease
Problems when making payments
Problems when you are unable to pay
Problems with the end of the loan or lease
Problems with my credit report or score
Problems with a debt collector

Problems shopping for a line of credit
Problems getting the line of credit
Problems when making payments
Problems when you are unable to pay
Problems with the end of the line of credit
Problems with my credit report or score
Problems with a debt collector

Opening an account
Managing an account
Closing an account
Problems caused by my funds being low
Problems with my credit report or score
Problems with a debt collector

Opening an account
Managing an account
Closing an account
Problems with my credit report or score
Problems with a debt collector

Problems with getting a credit card
Problems with advertised terms, rewards, or offers
Problems with the terms of my account
Disagree with the fees charged
Problems while making payments
Problems when unable to pay
Closing my credit card
Problems with my credit report or score
Problems with a debt collector

Managing, opening or closing your account
Fees
Unauthorized transactions or other transaction issues
Advertising, marketing or disclosures
Adding money
Overdraft, savings or rewards features
Fraud or scam

Incorrect information on my credit report
Company's investigation
Improper use of my credit report
Unable to get my credit report or credit score
Credit monitoring, identity protection & other services

Communication tactics
Continued attempts to collect debt I do not owe
Disclosure verification of debt
False statements or representation
Improper contact or sharing of information
Taking or threatening to take legal action
Problems with my credit report or score

Money was not available when promised
Wrong amount charged or received
Transfer amounts, fees, exchange rates, taxes, etc. Incorrect/missing disclosures or info
Other transaction issues
Unauthorized transaction, cancellation, refund, etc. Other service issues
Advertising or marketing, pricing, privacy, etc. Fraud or scam

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Fraud or scam

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Incorrect exchange rate

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Fraud or scam

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Fraud or scam
Lost or stolen money order

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Fraud or scam
Lost or stolen refund anticipation payment

Advertising and marketing
Customer service / Customer relations
Disclosures
Excessive fees
Unexpected / Other fees
Fraud or scam
Lost or stolen check

Which best describes your problem?

Are you concerned about losing your home to foreclosure?

Which best describes your problem?

Incorrect information on my credit report
Company's investigation
Improper use of my credit report
Credit monitoring, identity protection & other services

Which best describes what happened?

Can't qualify for a loan
Qualify for a better loan than the one offered

Can't decrease my monthly payments
Can't temporarily postpone making payments
Can't get other flexible options for repaying my loan

Trouble with how payments are being handled
Don't agree with the fees charged
Received bad information about my loan
Need information about my loan balance or loan terms
Keep getting calls about my loan
Having problems with customer service

Important: submitting a complaint will not automatically delay or stop a foreclosure.

Yes No

Have you missed any mortgage payments or are you in default on your mortgage?

Select “Yes” if your mortgage company believes you are in default or have missed payments, even if you believe the company is in error.

Yes No

Is there a date scheduled for the foreclosure sale of your home?

Yes No

When is the scheduled foreclosure sale?

You can find this date on the “Notice of Sale” or “Order Setting Sale” documents.

Did you pay a company to help you avoid foreclosure?

This can also be called “foreclosure rescue,” “foreclosure defense,” “foreclosure prevention,” or “loss mitigation assistance.”

Yes No

What is the name of the company you paid to avoid foreclosure?

Confusing or misleading advertising
Issues with person offering you the loan
Denied or discouraged from getting credit

Issues with the interest rate or loan or lease terms
Issues with additional products or services purchased with the loan
Changes in promised terms after I drove off the lot
Issues with signing the paperwork
Fraudulent loans opened in my name

Payments are not applied correctly
Issues with fees, interest rate or other loan or lease terms
Issues related to the transfer of your loan to another company
Issues with additional products or services purchased with the loan

Denial of request related to financial hardship
Efforts by the lender to repossess or disable the vehicle
Issues arising after you declared or threaten to declare bankruptcy
Balance remaining after the vehicle is gone
Attempts to collect on the debt

Issues with paying off the loan
Issues related to refinancing
Unable to receive car title or other issues after the loan is paid off
Issues while selling or giving up the vehicle

Issues with paying off the loan
Issues related to refinancing
Unable to receive car title or other issues after the loan is paid off
Issues while selling or giving up the vehicle
Issues when attempting to purchase vehicle
Excess mileage, wear fees or other issues when returning vehicle
Termination fees and other issues when ending the lease early
Issues extending the lease

Unable to open an account
Fraudulently opened account
Advertised or promotional terms not received
Problem with disclosures

Deposits and withdrawals
Availability or access to deposited funds, account freezes, transaction holds Issues making and receiving payments
Bill pay, bank offsets, garnishments, transaction holds Bank errors
Interest rate calculations, errors crediting account Issues using a debit or ATM card
ATM problems, disputed transaction Issues accessing account
Online or mobile access, receiving the periodic statement Fee issues

Forced account closure
Closure requested but not completed
Fees charged
Funds not received from closed account

Overdrafts and overdraft fees
Non-sufficient funds fees
Late or other fees
Bounced checks or returned payments

Unable to open an account
Fraudulently opened account
Advertised or promotional terms not received
Problem with disclosures

Forced account closure
Closure requested but not completed
Fees charged
Funds not received from closed account

Overdrafts and overdraft fees
Non-sufficient funds fees
Late or other fees
Bounced checks or returned payments

Unable to open an account
Fraudulently opened account
Advertised or promotional terms not received
Problem with disclosures

Deposits and withdrawals
Availability or access to deposited funds, account freezes, transaction holds Bank errors
Interest rate calculations, errors crediting account Issues accessing account
Online or mobile access, receiving the periodic statement Issues with fees or penalties
Renewal issues
Funds not handled or disbursed as instructed

Forced account closure
Closure requested but not completed
Fees charged
Funds not received from closed account

Application denied
Processing delays
Unsolicited or fraudulent cards in my name

Promotional interest rate
Advertised terms not received
Add-on products or services
Credit monitoring, disability insurance, etc. Rewards

Interest rate or APR changes
Deferred interest
Credit limit changed
Cash advance issues
Grace period issues
Arbitration issues
Convenience checks
Balance transfer issues
Privacy issues

Late fee
Overlimit fee
Cash advance fee
Foreign currency fee
Annual fee
Application fee
Balance transfer fee

Billing dispute issues
Billing statement issues
Misapplied payments
Transaction issues
Incorrect amount charged, issues with purchased items, etc Unauthorized use of the card

Request for a lower interest rate
Request for forbearance or workout plan
Request for settlement
Account sold or transferred to another company
Bankruptcy

Can't close my account
Company closed my account

Information is not mine
Belongs to someone else, identity theft, fraud, etc. Incorrect account information
Loan balance, payment amount, etc. Incorrect status of my account
Account closed, delinquency, paid on time, etc. Incorrect personal information
Wrong date of birth, address, etc. Inaccurate public record
Bankruptcy, judgement, liens, criminal record, etc. Old information reappears or never goes away

Investigation took too long
More than 30 days, etc. Did not get proper notice of investigation status or results
Investigation did not resolve the issue
Problem with statement of dispute

Report improperly shared by credit reporting company
Shared without my consent, used in non-credit decisions, etc. Received marketing offers after opting out
Report provided to employer without my written authorization
Inquiries on my report that I do not recognize

Issues getting my free annual report
Issues getting my report or credit score

Issues canceling or closing account
Billing dispute
Received unwanted marketing or advertising
Account or product terms and changes
Issues with fraud alerts or security freezes
Initial 90-day, extended, active duty, etc. Service is unavailable

Frequent or repeated calls
Called outside of 8am-9pm
Used obscene, profane or other abusive language
Threatened to take legal action
Called after sent written cease of communication notice

Debt was discharged in bankruptcy
Debt resulted from identity theft
Debt was paid
Debt is not mine

Did not receive notice of right to dispute
Not enough information to verify debt
Did not disclose communication was an attempt to collect a debt

Attempted to collect wrong amount
Impersonated attorney, law enforcement or government official
Indicated committing crime by not paying debt
Indicated should not respond to lawsuit

Contacted me after I asked not to
Contacted my employer
Contacted me instead of my attorney
Talked to a third party about my debt

Threatened to arrest me or take me to jail if I do not pay
Threatened to sue me on debt that is too old to be sued on
Sued me without properly notifying me of lawsuit
Sued me where I do not live or did not sign for the debt
Attempted to or collected exempt funds
Seized or attempted to seize property

Have you already tried to fix this problem with the company?

Yes No

Case number from original dispute with credit reporting company (Optional)

Optional

Title of annotation

What type of problem are you having?

Which best describes your problem?

Are you concerned about losing your home to foreclosure?

Which best describes your problem?

Which best describes your problem?

Which best describes what happened?

Have you missed any mortgage payments or are you in default on your mortgage?

Is there a date scheduled for the foreclosure sale of your home?

Did you pay a company to help you avoid foreclosure?

Have you already tried to fix this problem with the company?