Mortgage -- Incorrect information on your report -- Complaint #17928272
Complaint Overview
Complaint ID: 17928272
Company: First United Bank And Trust Company
Product: Mortgage
Sub-Product: VA mortgage
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Oklahoma
ZIP Code: 74055
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Waiting feedback!!! First United Bank & Trust Company has engaged in conduct that has caused and compounded significant errors on my account, resulting in ongoing financial harm and administrative problems. The bank expressly represented that it would not assess late fees during the period of active communications with the Consumer Financial Protection Bureau ( CFPB ) ; however, it failed to honor that representation and late fees were in fact applied. In addition, when I sought to pay the mortgage insurance, I obtained coverage through a less expensive insurance provider and directed that the related payment be applied to my escrow/insurance account. Instead of properly crediting this payment to escrow, bank personnel improperly applied the funds to the mortgage loan principal. The bank is now attempting to charge me an additional {$1800.00} arising from an error created solely by its own staff. Given that the check was issued and sent directly to the escrow department for the specific purpose of paying insurance, I consider this conduct to be improper and potentially fraudulent.
Frequently Asked Questions
What is Complaint #17928272 about?
Complaint #17928272 was filed against First United Bank And Trust Company regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did First United Bank And Trust Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against First United Bank And Trust Company?
Yes, visit the First United Bank And Trust Company company profile at readthecomplaint.com/company/first-united-bank-and-trust-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.