Mortgage -- Trouble during payment process -- Complaint #5959309
Complaint Overview
Complaint ID: 5959309
Company: Bank Of The West
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
State: California
ZIP Code: 90048
Date Received: 2022-09-07T12:00:00-05:00
Date Sent to Company: 2022-09-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good Morning This involves Bank of the West. They reported to the credit agencies a 30 day late on my HELOC account XXXX took out a monthly payment with ACH from my XXXX account for over 2 years. I made every payment on time, and was never late. The missed payment occurred for the XX/XX/2022 payment. I found out about it when I got a notice of a change in my XXXX score. I called XXXX, they said they changed my account number, and notified me by mail. I told them I never got the letter. They basically said, too bad. I also said they were taking the monthly payment from XXXX for two years and why did it stop? They said they never took money out each month ( Please see attachment ) I called XXXX and they advised me that ACH means that XXXX was definitely taking the money out each month. I called XXXX and they said they weren't, and that as previously stated they sent me a letter with the account number change ( one letter total ). They wrecked my perfect credit ( see attachment ), I was denied a credit card ( see attachment ), they have been terrible over the phone, and have caused me countless hours of phone calls and follow-up calls. Please Advise Thank you XXXX XXXX
Frequently Asked Questions
What is Complaint #5959309 about?
Complaint #5959309 was filed against Bank Of The West regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-09-07T12:00:00-05:00.
How did Bank Of The West respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Bank Of The West?
Yes, visit the Bank Of The West company profile at readthecomplaint.com/company/bank-of-the-west 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.