Date Received: 2022-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on my mortgage in XXXX and my mortgage was set to end pmi in XXXX, I called to have it removed. I was told that because I was I. Forbearance they extended the date automatically to end pmi five years later. I explained to them that the forbearance does not change the terms of the signed agreement. They said it does and would not help me further.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My husband and I have a small mortgage with Mr. Cooper in the amount of {$280000.00}. The property is worth well over {$1.00} XXXX. We were escrowing for taxes and insurance. In XXXX the escrow account was short {$160.00} I immediately contacted the company since I had been sending excess funds towards principal reductions on a monthly basis for over a year and a half. I asked the company to reverse one of those excess payments and apply it to the shortfall to clear the record and avoid a late payment being reported to the credit agencies. The company was able to make all sorts of adjustments to my account going back several months to correct their record and mistakes, however, they were unwilling to make this adjustment to clear the payment and avoid reporting it 30 days past due for the {$160.00}. I have made many calls, sent emails, and even reached out to the CEO without resolution. I wish to formerly file a complaint towards Mr. Cooper and their treatment of clients and unwillingness to correct a mistake that negatively impacts my credit history. On XX/XX/XXXX I contacted the company and spoke to XXXX XXXX and asked that they reverse unapplied funds and make the account whole and take care of the {$160.00} escrow shortfall. XXXX XXXX responded and said he would check the account on XXXX and make the necessary adjustments to apply the funds, rebalance the escrow account and adjust the payment amount. Over the following days, I checked the account repeatedly to see if these adjustments had been made. Many adjustments were made, except the one to clear the {$160.00} shortfall. On XXXX I contacted XXXX XXXX XXXX again and made him aware that all of the adjustments had been made except the one to clear the {$160.00} shortfall. On XX/XX/XXXX I contacted XXXX XXXX XXXX again as I did not see the adjustment on the account. He indicated that they could not do anything about it and would be reporting our mortgage as 30 days past due because of the {$160.00} shortfall. Having been a XXXX XXXX for XXXX years, I know this was a false statement. I pleaded with him to no avail. I then went online and found the contact information for XXXX XXXX, CEO of the company and sent him an email pleading for resolution. I have yet to hear back from him.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The name of our company is " XXXX XXXX XXXX. XXXX '' For the past 2 years I've been trying to get Mr. CooperXXXX XXXX to correct our mortgage account, yet they refuse. Just recently I submitted proof of payments from our banking institution, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. At first, they ask for 40 days to research the problems with the posting of our payments. The person assigned to research our account errors was XXXX XXXX XXXX. He claimed to be a supervisor in Mr. Cooper 's " Research Department. XXXX XXXX XXXX responded by email with a letter attached on Mr. Cooper 's letterhead claiming that I did not send proof of payments and they wouldn't accept the proof of payment records from our banks. To support Mr. Cooper position he actually included a 27 page bank statement for a TOTALLY DIFFERENT COMPANY. XXXX XXXX XXXX XXXX XXXX. This bank statement included this companies account information, all of their financials and all of their transactions going back to 2020. When I called back to speak to a supervisor in the Research department all of the clerks refused to transfer my call and told me that they wouldn't accept my proof of payments and they would be starting the foreclosure process.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We have submitted documents for a partial release of our property to Mr. Cooper in order to sell a parcel of our land. The documents were sent in XXXX of XXXX and as of XX/XX/XXXX we have not received a response, even after repeated requests for updates. XX/XX/XXXX, XXXX received Partial Release documents from Mr. Cooper XX/XX/XXXX, XXXX documents to Mr. Cooper via certified mail XX/XX/XXXX our bankruptcy attorney received an email from the mortgage company 's attorney stating that the sale of the land was contingent on approval from MA HUD and US Bankruptcy Court . XX/XX/XXXX, XXXXmortgage company attorney emailed the mortgage company for a status update-no update was given XX/XX/XXXX, XXXXmortgage company attorney let our attorney know the Partial Release request was in the HUD office in XXXX
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mr Cooper has not been applying the principal correctly to my loan for years and my loan balance jumped form {$6700.00} past due to $ XXXX past due in 2 months and they will not provide me with an explanation as to how $ XXXX was added to my loan. Based on the escrow statement, it appears they applied a bunch of my payments to escrow, {$4500.00} worth and this could explain some of why my loan balance jumped so high. The claim filed at bankruptcy beginning was XXXX and despite receiving years of payments my loan balance doubled. Where has the money gone? They are trying to foreclose and will not work with me on a modification. They denied my modification. I requested assistance to pay the current payment plus extra towards the past due amount and they will not work with me but I wanted the loan balance correct and the $ XXXX increase to my payment due explained before paying the balance. I want to keep my home and will be homeless if I lost it. All the documents are attached.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted Mr Cooper because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.
Company Response:
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had automatic payment withdrawal for my mortgage for Mr. Cooper. I had signed up a few years ago with no problem. In XXXX of XXXX, I decided to add {$500.00}, for principal, to the auto-monthly payment instead of adding here and there. I had no problem performing the task on the website. In XXXX, I knew I was going to sell my residence so I decided to remove the {$500.00} extra for principal and just return to the regular monthly mortgage payment. XX/XX/XXXX, I went online to Mr. Cooper website to remove the {$500.00} extra principle. I was unable to remove it as it continued to show the extra {$500.00} for principal payment. I logged off and on to the website three times. At that point, I called Mr. Cooper to get an agent to assist me. She was very nice and I thought, helpful. She tried to contact the IT department while she was working on it but they were unresponsive to her during the entire phone call, which lasted several minutes. I remember commenting on that since she is an agent and they should be responding to her, for clients. I believe she could not remove it either so I asked her to remove the entire autopayment for me. She did. I went into Mr. Cooper and it did not show autopayment ; it gave me the screen to suggest to sign up for autopayment. XXXX, XXXX. I went online to my banking site and entered a date for my bank to pay Mr. Cooper. In XXXX ( on XX/XX/XXXX & XX/XX/XXXX ) I had two payments forwarded to Mr. Cooper for my mortgage first from my bank at my behest, second automatically by Mr. Cooper. I called Mr. Cooper ; I was upset and frustrated because of all the activity connected to this in XXXX. I told the agent the history and then requested that the entire second ( unauthorized ) payment be placed on my account as principal. The agent, again quite nice, told me that she could reverse the money to my bank, or she could place the entire payment as principal. I asked that it be placed towards principal. I checked the website and the entire second payment was changed and entered as principal. I thought this was resolved. By XXXX, I thought all was resolved after two months of aggravation ; not so! XX/XX/XXXX, a mortgage payment was applied to my loan from my online banking as I had requested. Then, on XX/XX/XXXX, another mortgage payment was applied to my loan.by Mr. Cooper. I called to speak with an agent on XX/XX/XXXX. He was not as nice, was more interested in being regarded as being customer courteous than in helping me. I explained the entire scenario from XXXX to XXXX to currently, XXXX. He did not help me. He wanted me to email my statement to him. On the Mr. Cooper website, it displayed two payments of my mortgage, XX/XX/XXXX and XX/XX/XXXX. I asked for a supervisor. He said his supervisor was not available. I just wanted the second payment to be reimbursed to me ; not to apply to principal. He asked me if I wanted the second payment to apply to principal ; I stated, No I wanted reimbursement. He told me repeatedly he could not give me reimbursement ; very terse throughout the conversation. He told me the supervisor could call me back. I asked for the supervisor to call me Monday, XX/XX/XXXX between XXXX. He made notes for the supervisor, XXXX, to call me, and also told me he was completing a complaint report on my behalf. I had no resolution at that time. Monday, XX/XX/XXXX, the supervisor, XXXX did not call me. I called at XXXX to get XXXX XXXX ( XXXX XXXX XXXX XXXX from Arizona to assist me. She was great ; referred to herself as XXXX she called my bank and we both spoke to the representative to confirm that Mr. Cooper did withdraw a second payment for XXXX, and it did go through. Based on that, XXXX agreed to refund my second payment for XXXX, that Mr. Cooper withdrew from my bank. She also emailed me her email and number should I have any further issues with Mr. Cooper in the future. She also told me she was going to review the phone call that I had had in XXXX with the Mr. Cooper agent because she thought that I had agreed to having payments taken for 3 more months, at that time. I had denied it because I did not even know I could do that ( over the phone ), and my intent was to decrease my payment activity ( i.e., extra principle ), not increase it. We agreed upon a time to call later in the week after she listened to the phone call ( s ). I was duly impressed with her concern, expertise, and follow-up. XXXX did not call me on XX/XX/XXXX as agreed. I sent her an email on XX/XX/XXXX ; she called me on XX/XX/XXXX. She informed me that I had agreed to have 3 more months taken out electronically from Mr. Cooper. I said that I did not recall that at all, and asked whether there was a transcript of that call and could I listen to it? She said there was a transcript and she could send me an address to get a copy of the transcript ; I could not listen to it. At that time, I declined the address to get the transcript. I thought about it and decided I did wish to get the transcript of the call so I emailed XXXX the next day ( XX/XX/XXXX ) informing her that I did wish the address to contact re : the transcript of the call she had listened to for the XXXX call. I received no response after 13 days, so I emailed her again on XX/XX/XXXX. My closing comment to her was : I have not heard from you and would like closure on this matter for my future dealings and confidence in Mr. Cooper as a mortgage company. Another 8 days have passed with no response from XXXX ( XXXX XXXX ) which makes me presume that either she did not listen to the XXXX call as she had relayed, or she was lying about my agreement to continue the automatic payment by Mr. Cooper till XXXX. Conclusively, I do not regard Mr. Cooper as a reputable mortgage company who has their clients best interest in primary order. Business is business ; either the company is customer-oriented, or not.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage loan through Mr. Cooper, they offered me a deferral for 18 months during Covid which started XX/XX/XXXX it ended XX/XX/XXXX. My first payment was due XX/XX/XXXX but when I called in and spoke with XXXX on XXXX she insisted my first payment was XX/XX/XXXX which would start a deferral for me after I made the payment which I did. I made my XXXX payment on XXXX. I made my XXXX payment on XXXX my XXXX payment on XXXX and at that time I realized I kept getting phone calls and emails from the company, I was going paperless at that time. I spoke with XXXX on the phone on XXXX. Apparently because I made my payment in XXXX instead of XXXX which I was asked to do by the first person on the phone they refused my deferral because it had been past 18 months. They say they sent me paperwork telling me this which I never received. So she told me she would get me off of the modification if I could send in the skipped XXXX payment but she wanted me to wait until my payment on XXXX had cleared as I had sent the check in the mail. She also told me that she was a dedicated loan escalation specialist and gave me her full name XXXX XXXX phone number XXXX. She also sent me an email that day and told me that she would answer the phone or the emails at any time and numerous times of trying to get a hold of her with no response. I finally called in again on XXXX where I spoke with a gentleman named XXXX at extension XXXX he was nice enough to explain everything that he could see on my account he told me that when I didnt make the payment within 18 months XXXX XXXX denied my XXXX deferral and that they had sent me a letter stating this which I never received. I felt that was not fair as I was told to make the payment XX/XX/XXXX and from what I hear these phone calls are recorded so there should be proof right there other than what I have written down in front of me. XXXX spent a long time on the phone explaining everything and advised me a few times not to ask for a second deferral because if it was denied I would have to pay the loan in one lump sum. I insisted on him pushing through with the second deferral because I felt I had not done anything wrong and I thought thats what I was getting in the first place when I spoke with XXXX in XXXX. On XX/XX/XXXX I received a letter from Mr Cooper stating that I was approved for payment deferral and it would take affect on XXXX the terms were I had to make a double payment of {$2600.00} by XXXX to make up for the payment I had missed in XXXX and my XXXX payment which I did. On XXXX I tried to make the double payment online but it only accepted half which was XXXX so I called on the phone and made the second half of the payment that same day. That should have met my terms and started the deferral at that time. On XX/XX/XXXX I noticed things were still not right on my account it still showed that the deferral had not started and I was past due on the entire amount. At this time I called in and spoke with XXXX at extension XXXX I explained to her that I was still getting emails and phone calls asking for my payments she said no problem she saw it in the system just wait until it gets caught up as the XXXX payments were still pending. By XX/XX/XXXX it was still not fixed and I called and spoke with XXXX XXXX number XXXX she says that she spoke with her supervisor XXXX and they did a C mod request to have the account updated as they did see that both the payments were made, she said her supervisor XXXX sent an email and he tagged her in it saying it will be updated immediately and check next week but do not make the XXXX payment yet until its all updated or it will confuse the system. I listened to them and didnt make the payment and on the XXXX Sunday morning very early I was hand-delivered a letter from XXXX a debt collector who is out front taking pictures of my house! Now Im getting very concerned and wondering whats going on not to mention is this happening to other people who were going through this forbearance. I Call In again, call number six at this point. Monday morning XX/XX/XXXX and spoke with XXXX XXXX who also had a supervisor XXXX. XXXX number was XXXX he Took my payment over the phone said hed get the late fee taken off that was on from them telling me to hold off on my XXXX payment. He sent me an email and told me after an hour and XXXX minutes of being on the phone with him that he would keep in touch with me and let me know what was going on. He also told me that they reached out to the senior vice president XXXX XXXX stating that we need an immediate update on my account and the deferral active he said that he would get back to me in the next XXXX to 5 days he also had me send an email in showing him a lot of my information I had that they did not. He at this point said he would call me by the end of the day to tell me that the email had gone through which he said it did not so I sent it through again. Not sure if I ever heard from him again. My next phone call # 8 on XXXX I spoke with XXXX XXXX he was in the loss mitigation escalation department. He gave me his personal number of XXXX he says the {$65.00} late fee is still on there and he will make sure it gets removed he has the others say its oh yes because youre still short one payment which I dont understand because I made a double payment like they asked before the date that they asked. He tells me that he will call or email me in 3 to 4 days so by Monday the XXXX I should hear from him and he will give me his email which he did so that we could keep in contact which was very hard to get a response from him. I believe I got one email from him and no return phone calls. He says the issue was escalated to the underwriting department who handles the deferrals which would be the final booking and he will keep in touch and let me know. His title was on the email he sent me said executive resolution team. He did email me back once on the XXXX saying that it was still being processed he asked me if there was anything he could do I said yes please call me on Thursday the XXXX at XXXX my time with no return phone call from him ever but finally an email. Meanwhile in between all this calling on XX/XX/XXXX my ninth phone call I get transferred to XXXX XXXX her ID number is XXXX lost mitigation department her manager XXXX XXXX says yes payment deferral claim started on XXXX XXXX by an underwriter team that is closed and dated XXXX XXXX by the received document team it should take 3 to 5 business days to complete so wait until Wednesday or Thursday at the latest and that they put a payment relief protection on my account from any further late fees she says let the review finalize for now theres nothing else I can do the escalation is in process so be patient and call back on XX/XX/XXXX if I have not heard or seen any changes on my account its all approved theyre just adjusting it at this point the corporate advancement will put deferral at the end of the loan soon! Im sorry if Im starting to ramble on but theres still so much more! It all runs together but its here in my notes Im sorry its overwhelming. On XX/XX/XXXX I called in at XXXX AM and spoke with XXXX XXXX in the loss mitigation department her manager was XXXX XXXX. They tell me that it is booked but the system is not showing it please wait 10 to 15 days I say what? No way so she tried to put me through with someone in the escalation department who is a specialis then I got hung up on which has happened numerous times. I never get a return phone call and when I do call back I get to not only way to half an hour on the phone to get put through to someone but then I get to explain it all over again! I called back and got a woman who reconnected me w/ XXXX XXXX I waited 10 minutes and I was told it was too hard and XXXX would call me back when she did call me back she said oh sorry the specialist was supposed to call you which she never told me. She just left me on hold and then I got hung up on so how was I supposed to know That he was actually going to call me back? XXXX puts me on hold again and gets me through to someone in the escalation specialist department who happens to be lost mitigation escalation department his name is XXXX hes not so nice but I dont blame him I think this is the first time I started to cry and get a little upset! I have tried to stay so calm through all of this because its not going to help anybody if I get upset which I really want to get upset as I feel like Im getting the wool pulled over my eyes and again wondering how many other people this is happening to and whos losing their house because of it? He tells me the same thing be patient as it takes a long time to process but he will try to reach out to some people in the back office to update this and find out why its not done yet. He says he reached out to several people in the back office trying to get this taken care of he spoke with the back office manager he cant tell me his name but he reassures me it will get fixed soon. Another almost XXXX full hours on the phone. At this point XXXX cant believe all the different names of levels in this company and now Im being told that theyre talking to the back office I really feel like Im an idiot at this point and still trying to stay very calm but its not easy. Now today on XXXX XXXX calling because I havent been able to make my payment online as it still says Im 90 days past due and its got a block on my account. A gentleman XXXX answers from Customer Service he tells me that on his computer screen it says I have the right to request a follow up meeting within the next 14 days to discuss options to avoid a foreclosure! What??? Now this is what Ive been expecting but Im trying to have a good faith and believe all these people Ive been talking to at this point I believe Im on phone call number 12 would you wait a half an hour to talk to someone and youre on the phone for a couple hours and sometimes hung up on! He says that he will put me through to someone that is more qualified to help me he also says that it says something about obtain a payment due of {$24000.00} from XX/XX/XXXX now at that point I was in the middle of my forbearance I dont even know what thats about but this is crazy! He forward me to mitigations and I get back with XXXX XXXX Who tells me in the system it says on XX/XX/XXXX the booking of my deferral was done and approved on XX/XX/XXXX hes checking to see if he can tell me when it will be updated at this point Im literally ready to go through the roof he tells me that XXXX was wrong and it doesnt say anything about foreclosure but what do I know at this point other than I really need help and Im terrified this is happening to plenty of other people please give me some advice and help me
Company Response:
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The bank dispersed escrow funds from the loan in question for the payment of an unrelated property in the same city. While it happens to be another property I own, the other property is not connected in any way to the mortgage in question. As a result of the improper use of escrow funds, they have increased my monthly escrow payment by {$260.00} directly due to this shortage. ( A smaller portion of the escrow increase is unrelated to the complaint ) The bank has written to me that because I happen to own the other property they will not refund the improper payment. I believe it is their responsibility to contact the city and work out a solution to refund the payment to the bank. In the meantime, the bank should recalculate my escrow without the shortage created by them. I further believe it is their responsibility because the property id for the improper payment does not agree with the property id of the mortgage. It seems there is no process for validating that tax bills match the mortgaged property. This is a huge fraud risk.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was in forbearance throughout much of the pandemic and was unable to pay the full amount due at the time my forbearance period concluded. The option I was presented with was a XXXX interest loan payable at the end of my mortgage, which was satisfactory to me. I signed the paperwork and had it notarized, and returned to the company in the first half of XX/XX/XXXX. I XX/XX/XXXX I missed a couple of phone calls from a number I did not recognize. When I listened to the voicemail, it was some third party calling on behalf of my mortgage company, MrCooper, and they wanted to schedule a time to send a notary out to my house, and that it involved some unspecified time-sensitive issue. I called Mr Cooper 's customer service line on XX/XX/XXXX and a very helpful agent let me know the third party was calling to schedule a notary because I needed re-sign the paperwork I had taken care of in XXXX because of an error on their side involving not properly countersigning the document. I am now in the process of taking care of that. The complaint is that while I was looking into this, I logged into my account and noticed a letter in my documents dated XX/XX/XXXX of XXXX which stated I was in default of my loan and the total amount due was {$10000.00}. There was no explanation for it, I do not recall seeing this come through the mail, and I have no prompt in my email to check for this message, which is not in an obvious location on the website. Now, at the date of the letter I was in deed behind on XXXX payment, which was taken care of and I was current as of XX/XX/XXXX, but I was not delinquent anywhere near this amount, nor was I in default. I have my statements from XXXX, XXXX, and XXXX which never once reflect a default, or a sum owed of {$10000.00}. Assuming this is an error, and being a reasonable person, I attempted to use the website 's option to submit an inquiry. In my inquiry I ask outright if this is in relation to me needing to sign more paperwork due to their error, or if it is a mistake or a separate issue. I work a full time job, and a part time job, and I do not frequently have time for lengthy phone calls, and I certainly do not have any regular frequency of availability, so my request was in writing, with the desire to continue communication in writing, which I believe is my right as a consumer but I will leave that to you. My inquiry was closed without direct response to my issue, instructing me to call their customer service line to discuss. At this time, I submitted another inquiry stating explicitly that I wanted communication in writing and that I was unwilling to have this be verbal communication, and that if someone did not reach out to me I would next contact the CFPB. The response from the company was to close my ticket and it stated they would forward my concern to another department who would reach out by phone to discuss with me. This runs precisely counter to my request and at this time I am not only deeply concerned, but I am now very aggravated. Where I'm at now is having to arrange my extremely busy life to accommodate their ineptitude, while also worrying and experiencing increasing anxiety and frustration not knowing if they will be initiating some sort of action to take my home from me and my family because I am not certain what this 10,000 dollar issue is. They are trying to force me to accommodate their business hours by having this be a phone communication, and I have very clearly stated a desire to be contacted in writing. I work XXXX jobs, my wife works overtime, I have expensive medical problems, a mountain of debt, and numerous personal issues causing me immense stress, and this is affecting my health at this point. They are not dealing fairly with me, and they are causing literal physical issues for me because of their refusal to communicate, and their need for me to correct a problem they caused.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A