Dyck-O'Neal, Inc

2018-04-07

Capitol Heights, MD

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2017-12-19

Barstow, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-06

Lk Buena Vis, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-30

Tampa, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-29

Richmond, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am not satisfied with XXXX XXXX 's response to my earlier complaint. I do not owe XXXX XXXX. I feel terribly cheated to be asked to pay what I do not owe. Judge passed judgment without seeing sale and foreclosure papers. Not fair. Purchase price was exactly foreclosure price leaving balance as zero. See papers attached. Remove the writ of my properties.
Company Response: Closed with explanation

Timely Response

2017-11-10

Kawaihae, HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.
Company Response: Closed with explanation

Untimely Response

2017-09-27

FL

Written notification about debt

Debt collection: Mortgage debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX
Company Response: Closed with explanation

Timely Response

2017-08-24

Hamilton Corner, ID

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-22

Coral Springs, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-08-19

ID

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?
Company Response: Closed with explanation

Timely Response

2017-08-17

ID

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you
Company Response: Closed with explanation

Timely Response

2017-08-11

Del Sur, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-11

Oak Ridge N, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-10

Coral Springs, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-06-14

Fort Myers, FL

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2017-06-05

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.
Company Response: Closed with explanation

Timely Response

2017-05-18

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-04-19

Crofton, MD

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Mobile, AL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Dallas, TX

Improper contact or sharing of info

Debt collection: Mortgage

Talked to a third party about my debt
Complaint: Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-20

Lyndora, PA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-14

NJ

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Oak Grove, MO

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-09

Jamaica, NY

Communication tactics

Debt collection: Mortgage

Threatened to take legal action
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Oak Ridge N, TX

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response