{"took":90,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13301317","_score":8.891224,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/scrub>XXXX XXXX XXXX I paid {$180.00} through XXXX XXXX XXXX online portal ( XXXX  ) to settle a {$470.00} debt, pursuant to their settlement offer letter dated XX/XX/scrub> XXXX XXXX which explicitly promised the account would be resolved and closed upon payment of {$180.00} by XX/XX/year>. However, XXXX XXXXXXXX XXXX engaged in a systematic pattern of deceptive, unfair, and abusive practices designed to obstruct my ability to document this payment, deceive me into paying more than the agreed-upon settlement amount, and cause severe emotional distress. Their actions reveal an intentional architecture of their website and company practices to exploit consumers, violating multiple federal and state laws and warranting significant restitution and a refund of my payment. \n\nIntentional Obstruction of Payment Documentation : After making the payment, the Print Receipt button on their confirmation page was non-functional. Technical analysis using browser developer tools revealed that their Content Security Policy ( CSP ) deliberately blocks the buttons onclick= '' window.print ( ) '' event handler by disallowing unsafe-inline in the script-src directive. This calculated design choicewhen they could have used an Angular event binding or adjusted the CSPprevented me from obtaining a receipt, leaving me vulnerable to false claims of non-payment and causing significant anxiety. \nRefusal to Provide Immediate Confirmation and Stalling Tactics : When I contacted XXXX XXXX XXXX at XXXX to request confirmation of my payment, they refused to provide it immediately, claiming it would be sent in a letter in XXXX business days ( around XXXX XXXX XXXX  ). This delay is unconscionable for an electronic payment. During my calls, they employed stalling tactics by keeping me on hold for a manager for an extended period, further delaying resolution. After persistent demands, they provided a confirmation number, but only after subjecting me to undue frustration. \nForced Logouts and Deceptive Portal Design to Induce Overpayment : On multiple occasions, collection agents logged me out of the portal mid-session, forcing me to log back in repeatedly. The portal initially displayed the full {$470.00} balance as due, despite the {$180.00} settlement offer, only showing the reduced amount after navigating to the Reduced Balance Offers section. These forced logouts and the portals deceptive design appear to be deliberate tactics to deceive consumers into paying more than the agreed settlement amount, as the default display of the higher balance could mislead someone into overpaying. This reflects an intentional architecture of their website and company practices to exploit consumers, further compounding my stress and distrust. \nRisk of Identity Theft and Misuse of Information : The forced logouts, combined with their lack of transparency in handling my payment and personal data, raised a reasonable fear of potential identity theft and misuse of my information. Each logout required me to re-enter sensitive login credentials, increasing the risk of interception or unauthorized access. Their deceptive practices and failure to provide immediate confirmation further eroded my trust in their ability to safeguard my financial and personal information, adding to my distress. \nStatutory Violations : FDCPA 15 U.S.C. 1692e ( False or Misleading Representations ) : The non-functional Print Receipt button, refusal to provide immediate confirmation, and portal design that defaults to the full balance while forcing logouts are deceptive, misleading me into believing I could easily document my payment and pay the agreed settlement amount, violating Section 1692e.\n\nFDCPA 15 U.S.C. 1692f ( Unfair Practices ) : The deliberate CSP configuration, 710 business day delay, stalling tactics, forced logouts, and portal design encouraging overpayment are unfair, exposing me to risk of false claims and unauthorized payments, violating Section 1692f. \nFDCPA 15 U.S.C. 1692f ( 1 ) : Attempting to collect an amount not authorized by the settlement agreement ( {$180.00} ) by designing the portal to display the full {$470.00} balance and forcing logouts to encourage overpayment violates Section 1692f ( 1 ).\n\nFDCPA 15 U.S.C. 1692d ( Harassment or Abuse ) : The forced logouts, stalling tactics, refusal to provide immediate confirmation, and deceptive portal design constitute harassment under Section 1692d, as their conduct was intended to pressure and intimidate me into overpaying. \nRegulation E 12 CFR 1005.9 : As an electronic payment, I am entitled to prompt documentation. Their non-functional button and delayed confirmation violate this regulation.\n\nEFTA 15 U.S.C. 1693e : The portal design and forced logouts, which push users to the full balance screen, attempt to induce an unauthorized payment beyond the {$180.00} I authorized, violating Section 1693e.\n\nCFAA 18 U.S.C. 1030 ( a ) ( 5 ) : The forced logouts constitute intentional interference with my authorized access to the portal, impairing its functionality and causing damage to my user experience.\n\nCFAA 18 U.S.C. 1030 ( a ) ( 4 ) : The deceptive portal design, combined with forced logouts, constitutes fraud by deception with intent to obtain a higher payment, violating Section 1030 ( a ) ( 4 ).\n\nDodd-Frank UDAAP 12 U.S.C. 5531 : The portal design, forced logouts, and delayed confirmation are deceptive, unfair, and abusive, taking advantage of my vulnerability as a debtor to pressure overpayment, violating UDAAP standards.\n\nFTCA Section 5 15 U.S.C. 45 : The portal design, forced logouts, and non-functional button are unfair and deceptive acts in commerce, violating Section 5.\n\nMinnesota Consumer Protection Laws Minn. Stat. 325F.69 : Operating in Minnesota , their deceptive digital practices ( CSP configuration, forced logouts, portal design ) violate state laws against unfair practices in commerce.","date_sent_to_company":"2025-05-02T16:51:07.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"716XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13301317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-02T16:50:39.000Z","state":"AR","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Risk of Identity Theft and Misuse of Information : The forced logouts, combined with their lack of transparency in handling my payment and personal <em>data</em>, raised a reasonable fear of potential identity theft and misuse of my information. Each logout required me to re-enter sensitive login credentials, increasing the risk of interception or unauthorized <em>access</em>."]},"sort":[8.891224,"13301317"]},{"_index":"complaint-public-v1","_id":"12233817","_score":4.7127714,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] responding to job offer XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Welcome aboard! XXXXXXXX XXXX XXXX  Insurance company. XXXX XXXX XXXX, one of the Supervisors/ HR Managers at XXXX XXXX I will be the XXXX XXXXXXXX In charge of your job interview/ comprehensive briefing about the company and position available. \n\nDue to the disparities in our locations and schedule, the interview will be conducted online via XXXX, for ease of communication as well as Quality Control and Record-keeping/Reference purposes. I believe you are okay with that and ready for the process? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] It's nice connecting with you. Just follow the briefing and interview process, you can ask questions when I am through and I will be glad to answer them. Your prompt response would be our priority. Respond with an \" okay '' after each paragraph so I know you have read and understood okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX is a global financial services and technology company that specializes in insurance, reinsurance, asset management, and real estate services. Founded in XXXX and headquartered in XXXX XXXX, Michigan, XXXX has grown rapidly through a unique partnership model and strategic acquisitions. \n\nThe company operates across multiple sectors, providing innovative solutions to meet the diverse needs of individuals and businesses. XXXX leverages advanced artificial intelligence and technology to enhance its service offerings, ensuring efficiency and customer satisfaction. \n\nXXXX is renowned for its decentralized approach, allowing its local agency partners to maintain autonomy while benefiting from the companys global resources and support. This model has fueled its impressive expansion, making it one of the fastest-growing brokers in the world. \n\nI believe as we proceed you will get to know and understand more. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Data Entry Responsibilities and Duties : Transferring data from paper formats into computer files or database systems Typing in data provided directly from customers Creating spreadsheets with large numbers of figures without mistakes Transfer data from paper formats into computer files or database systems using keyboards, data recorders, or optical scanners. \nType in data provided directly from customers Create spreadsheets with large numbers of figures without mistakes. \nUpdate existing data. \nRetrieve data from the database or electronic files as requested. \nPerform regular backups to ensure data preservation. \n\nProven experience as a data entry clerk. \n\nFast typing skills ; Knowledge of the touch typing system is strongly preferred. \nExcellent knowledge of word processing tools and spreadsheets ( XXXX XXXX XXXX, XXXX, etc. ) Working knowledge of office equipment and computer hardware and peripheral devices. \nBasic understanding of databases. \nGood\n\ncommand of English both oral and written and customer service skills. Great attention to detail High school degr\nee or equivalent Assignments will be sent to you via e-mail or IM and you will report directly to your immediate supervisor. NOTE : You will be trained on it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The working hours are flexible and you can choose to work from anywhere of your choice ( this is strictly a remote position ). The Pay is {$35.00} per hour during working hours and the training is {$22.00} per hour you will be getting your payment weekly via direct deposit. Working hours are 40 hours weekly ( 8 hours daily ). If you are employed, you are going to be working as a full-time or part time employee and not an independent contractor. Benefits include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , Employee Wellness and 401k plans. Paid Time Off and Holidays with Company Discounts. \n\nLet me know if you are still interested so we may proceed? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Here is the company 's website XXXX You are required to review it and get familiar with our achievements, mission, vision, and other vital information while we proceed with the interview. \n\n\nMay we proceed with the interview questionnaire? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You are to have the Following Questions answered : What are your Full names, and where are you located at? \n\nAre you currently employed? \n\nAre you available to start immediately? \n\nAre you seeking a part-time or full-time job? \n\nHow many hours will you be able to devote to the company daily? \n\nHow long are you expected to work for us if hired? \n\nWhat are career goals? \n\nPayroll Method of payment ( Direct deposit / Wire Transfer / Paycheck ) What do you understand by privacy and code of conduct?\n\nDo you have a Printer, Fax Machine, Scanner, and a Photocopier?\n\nHave you ever been interviewed online before by a different company?\n\nIn a grade of % 100, how much can this company depend on you for your loyalty, diligence, hard work, team spirit, and sincerity? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I am not currently employed. i can start immediately. I am seeking full-time employment. I can work 8 hours a day. I plan to work for a long time. My career goals are to be an excellent employee and prove my worth to the company. I want direct deposit. Yes, I have an office and it is a private area. I have a printer, Fax Scanner and a photocopier. I have never been interviewed online before. I will be % 100 loyal to the company. I will be sure to be diligent. I will work hard. I believe in team spirit and sincerity? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Your responses have been reviewed ; the percentage scored for the interview just conducted is on my screen. Due to your level of experience and communication skills. XXXX  company has decided to give you a chance to work for the company and will like to see your diligence, XXXX, XXXX to this job... congratulations! \n\nWe are pleased to welcome you to our team, you qualified for the role! \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] WORKING WITH US At XXXX. we understand that employees are our most valuable assets so we offer competitive remuneration packages to attract, retain and reward suitable and capable candidates who can add value to the growth of the Company. We believe in the exploration of creativity, skills, and continuous learning to become leaders. Leaders who are problem solvers, customer-centric, passionate to XXXX, and can take initiative on their own. \n\nWe encourage the development of knowledge, interpersonal skills, and business competencies. Our employee training programs provide in-house/external instructor-led and online training opportunities. During your training and orientation, one of the organizations supervisors will reach you via e-mail or phone. Also, he/she will put you through our company 's guidelines under US Human Resources Laws and Regulations. \n\nThe Company is obligated to protect its intellectual property, respecting the intellectual property rights of others and protecting the security and privacy of personal information collected by the Company, including information about our customers, employees, and business partners. \n\nDo you understand? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Ethics and compliance are to ensure and reinforce ethical behavior and compliance with all applicable rules and regulations. It enhances our ability to achieve business and strategic objectives consistent with our mission and values. Through ethics and compliance, trust and confidence are encouraged on the part of customers, staff, shareholders, other mining service providers, educational institutions, payors, and the communities we serve. \n\nAll we need from you is good work and trust and you will enjoy every moment of working with us. Can we get good work and trust from you? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Absolutely, Our benefit programs are designed for the unique needs of each employee. You will be eligible for benefits after ( 30 ) days of working with the company. We are always looking to improve our benefits program. Here are some key features of our current offering : The best possible health, dental, and vision care for you and your family Life insurance 401 ( k ) 6 % employer match 10 days of paid leave Flexible work schedule XXXX XXXX Account XXXX XXXX XXXX ( up to {$50.00} per month ) Accident and XXXX XXXX XXXX XXXX tuition for children of employees Your paperwork ( job offer letter, Code Of Conduct, and XXXX Form W-4 ) will be sent to you in Soft-copy via email by one of the company 's HR Supervisors. \n\nWhat is your preferred email address? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Financial Strength is related to our organizations financial performance and policies to ensure our continued ability to fulfill XXXX  culture, mission, and vision. Financial strength is a basis for strategic planning, new services, decision-making, priority setting, compensation, recognition, and reward. Your payment will be made to you weekly ( Friday of every week ) via direct deposit or check. \n\nWhat is the name of the Financial institution you operate with to see if it tallies with the company 's official salary payment accounts? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You will undergo a week of training and a week of orientation which will begin as soon as you have all the working materials and you can rest assured that you will be paid for it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will receive your duties online every day and I will always be online to assist you with any difficulties. \n\nCan you handle the Job duties if you are being trained for it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will need Accounting software programs and a Time Tracker to begin your training and orientation and most importantly, you need the software to get started with work as soon as possible. \n\nNOTE : The work of the time tracker is to evaluate your working hours from the company 's server for payment purposes as this will be an online/remote position. \n\nHere are the names of the software programs you will need to start work with : A brand new laptop, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Customized ), and a XXXX XXXX. \n\nAre you familiar with the above software programs? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Some of them. Will the company supply them? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] The funds needed for the programs and equipment to set up your home office will be provided for you by the company via eCheck. The check will be issued by one of the company 's affiliates in the US to ensure swift delivery. The check will cover the cost of a laptop, printer, scanner, and time tracker with a high-speed internet connection you need to start work with. \n\nEnsure to utilize the funds as instructed for the software programs/working equipment and I will refer you to one of the company 's certified vendors you are to purchase them from at a discount rate due to the company 's long-lasting relationship and bilateral agreement with them. The vendor will be responsible for completing the installation of the software programs with the required updates and patches before shipping them to you. \n\nAll working materials come with our corporate logo branded on them. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The accountant would like to verify if you are able to handle Mobile banking, specifically mobile check deposits. This is because most of our employees these days use mobile check deposits to receive their startup check. If you are unfamiliar with mobile check deposit, it involves receiving a check PDF copy via email, printing it out, signing and endorsing the back, and taking pictures of the check to process the deposit with your mobile bank app. \n\nThe funds will be available for use within 24 hours or more so you can start purchasing your work materials. If you are able to handle mobile banking and mobile check deposits, please let us know so that we can proceed further steps.\n\nLet me know if you can handle it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes, I can handle mobile banking. I have this ability with my personal bank. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] I need you to provide the following information accurately for our employee personnel files : Name : Address : City : State : Zip Code : Cell : To enable my Secretary to enlist it into the company 's database for proper documentation in compliance with the onboarding process. \n\nSome information will also appear on your job offer letter which will be sent to your preferred email. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AM ] You are to choose between these shifts> First shift XXXX XXXX XXXX, Second shift XXXX XXXX XXXX  and third shift XXXX XXXX XXXX and you can as well decide to work more hours up to 8 hours as working hours are flexible. Working hours are flexible you can choose every day between the shifts. As for your duties, Ill assist you with any difficulties by email. You can as well work for the whole day and you are % 100 assured of getting paid for it. All activities and corresponding time are to be recorded in an XXXX spreadsheet... You will Earn $ XXXX, You will receive your pay via Pay check or direct deposit weekly, Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Second shift XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ] I believe with the expertise of the company 's supervisors, your training and orientation will go on smoothly without any issues or hindrances if you are willing to learn. Employee Engagement at XXXX is to mobilize all staff to develop and utilize their full potential aligned with the organizations objectives in the areas of character, compassion, competence, compliance, and cooperation. It includes each employee putting forth the extra discretionary effort and the likelihood of remaining loyal with the organization for a long period. The work environment and climate must support the well-being, development, and initiative of staff to achieve full participation and performance excellence. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Do you have any questions at this time? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] You said that the home office will be provided to me by the company via eCheck, When can this be anticipated. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] This process will commence as we continue the process on the onboarding signing of the paperwork. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] This job offers flexible hours but you are to report online by XXXX XXXX ( your time zone ) daily for any duties, tasks, and assignments until your actual work from home begins. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] I believe you have the XXXX  messenger app installed on your mobile phone device? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] yes XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay, sorry XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Hang on online for your Paperwork through email as I get back to you shortly with update on getting started okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] I need you to check and refresh your email inbox and other folders and let me know once you receive your Paperwork? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay, i received the documents XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Sounds good. Have the employment offer letter completed electronically or print off and return as will be forwarded to the HR department for proper documentation. Is that clear? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX AM ] i will print of the documents, sign them and return them asap XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Perfect! Hang on online for your start up check through email as i get back to you shortly with an update on getting started with orientation okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay, give me 45 minutes, need XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] ink XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Check your email now and notify me if you have received the start up check? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] printing and scanning currently XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Great! Follow up with the instructions printing off the check and make sure you endorse the check properly. Proceed and have the check deposited and send me a screenshot confirmation for the record. \n\nHow soon will it take you to accomplish this task and get back to me here with a deposit confirmation for record as we proceed with more information on getting started? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] about XXXX minutes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Alright, no problem. Take your time. Let me know if you need any help with the instructions or setting things up. Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] attached are the document XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Acknowledged. We are looking forward to working with you soon as a team. If you have any additional questions or require further assistance, please don't hesitate to reach out. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thank you and have a lovely day. Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Have the start up check deposited and Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] My bank back east will not accept your check XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] How did you try to deposit it? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You should know this check format is for digital mobile deposit only. It wont be accepted by ATM or XXXX. A paper check is what they accept. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Via my phone app XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Please hold on for a bit. They ll send you another check that will be compatible with your bank. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] thank you XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] copy of deposit XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Deposit acknowledged. What is the deposit funds availability status at the moment? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] {$500.00} today the rest tomorrow XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You will be deducting {$200.00} for yourself as that serves as sign on bonus and the reason why the company is giving all the newly employees Sign on bonus is to motivate them on commencement. Is that understood? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thank you so much! Training hours from XXXX XXXX XXXX XXXX XXXX, correct. Training starts XX/XX/XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] How do i get the computer, with the programs loaded. Do you have a service provider? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes. But training hours will be scheduled between you and your training supervisor that would be attached to you online to begin orientation. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] For now, You are needed to obtain the Time Tracker and Data Reader from the company accredited vendor which enables us to track the number of hours you spend daily during your training and working hours so you can be paid hourly. Without the Time Tracker, the company will not be able to calculate your training and working hours daily. Its coming from the Company 's verified Vendor, The software vendor will be responsible for installing the software and any update and patches. Your Time Tracker and data reader installation will cost you {$350.00} I believe youre familiar have have access with payment options through XXXX, XXXX wire transfer or cash app? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Which of them do you have access to? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX comes out of the XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes, thats what needed for now to ensure they proceed with the software installation on your time track and data reader devices. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Which of the payment options do you have access to or use regularly? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] i can send money thru XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Received with thanks. I need you to keep an eye on the rest funds and notify me once its available for use as I will be on my desk to assist and instruct you on what to do on how to make the whole purchase of your home office working equipment and have them deliver to your home address okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay. I will check tomorrow morning first thing at XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thanks for your accordance. Once again, congratulations on your new job position with XXXX. We look forward to commencing working with you as soon as possible. We make every effort to ensure that employees have exciting and fulfilling careers where learning and growth never cease.\n\nI await your check-in message tomorrow Morning. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Have a wonderful day. I'll be watching the XXXX vs XXXX XXXX tonight.","date_sent_to_company":"2025-02-26T05:18:32.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"85614","tags":"Older American","has_narrative":true,"complaint_id":"12233817","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-02-26T04:54:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Your Time Tracker and <em>data</em> reader installation will cost you {$350.00} I believe youre familiar have have <em>access</em> with payment options through XXXX, XXXX wire transfer or cash app? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Which of them do you have <em>access</em> to?"]},"sort":[4.7127714,"12233817"]},{"_index":"complaint-public-v1","_id":"10981005","_score":4.677971,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX\nConsumer Financial Protection Bureau (CFPB)\nXXXX XXXX XXXX XXXX XXXX, DC XXXX\nThis is to complain against RIA XXXX: HIGH\nIMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nI wish to practice my right as a customer of RIA to use your organisation's service, seeking a formal,\nimpartial investigation to amicably settle my dispute with RIA.\nIn order to clear up the myriad of letters and correspondences I have hitherto sent to RIA respecting my\ncomplaint, I believe it will substantially strengthen both my case and your understanding, by taking a\ndeeper look at the happenings of my case, and analysing the relevant facts in an objective and\ncomprehensive fashion.\nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these\nfraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam.\nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct\nof RIA to be commensurate with their legal role and responsibility to their customers. They sell a service\nto look after their customers, protect their money and are a financial institution that maintains a traditional\nrelationship and way of working with its customers.\nDuring the complaints process with RIA, I found their communication ineffective, which further hides\ntheir conduct to management and diminishes the service offering to their clients. They are struggling to\nadapt their business offering in the ever-changing world of IT development. The internet is presenting a\nreal problem which they choose to manage in a way which is not in line with rules and regulations of\nCFPB as well as their own internal policy and procedures sold to their clients.\nGeneral Obligation:\nCommencing on XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX (the Fraudsters or Company).\nMoney was transferred from my account in the total amount of XXXX XXXX.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries\ninclude, but are not limited to, the following (i)\nwhether RIA did not take notice of any rule, law, or regulation, and/or possibly missed any material\nelements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my\nfinancial safety; (ii) whether by virtue of RIAs custodianship over my funds or by its control over them,\nthey owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether RIA\npromoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question\n(iv) whether RIA was in compliance with its own policies and procedures; (v) whether RIA owed duties\nto myself, what the scope of those duties was, and whether RIA did not uphold those duties; (vi) whether\nRIAs conduct was unfair; and (vii) whether RIA has within its power the ability to, and should,\ncompensate me for the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member\nadequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent\nand nature of this activity and properly communicate to the customer that such activity meets the relevant\ncriteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and\nskill of a diligent, prudent banker. In this case, this means that the payment service provider should not\nturn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In\nother words, RIA must have had special knowledge of what was occurring or been alerted to a real\npossibility of fraud taking place. The financial institution must have known or reasonably ought to have\nknown that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a\nsense in which the standard of care of the reasonable person involves in its application a subjective\nelement.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not\naverage care. The fact that most people behave in a certain way may be good evidence that the conduct is\nreasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of\nthe evidence suggests that RIA did not foresee the fraud and disregarded even the most obvious dangers\nin this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the\nstandard of the reasonable person should be applied, and that lessons can be learnt from the errors of the\npast.\nRIAs Position:\nPlease find attached all relevant evidence below.\nRIA conspicuously touts their security as a reason to use their service. Specifically, RIA writes on\ntheir website:\nWe work hard to protect you from fraud. That's why we:\n Apply best-in-class security technologies expertise to protect you 24/7, all year round.\n Secure every method of banking we offer including online, mobile, ATM and telephone\nbanking.\n Offer free security software from our trusted tech partners to download on to your devices.\n Frequently train our employees on the latest practices in cyber and physical security.\n Give you the security tips and resources you need to protect yourself from potential threats.\nRefuting RIAs arguments from a purely logical perspective:\nRIAs position is that the features of the situation at hand do not generate a genuine obligation to protect\ninnocent and helpless victims; they are essentially arguing that common-sense-based approaches are\ndoomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful\nchoice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves\neven though ample evidence has been offered in support of this complaint.\nIn RIAs view, it is implied that we should not home in (and consequently rely) on unwritten laws,\npracticality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when\ntaking appropriate precautions. To underscore, once again, such views are at odds with common sense\nand are wildly irresponsible.\nImagine a view according to which the one and only thing that can make RIA morally obligated to do\nsomething is having it written down somewhere. Pursuant to this view, if RIA encounter the suffering of\ntotally naive victims, they are only obligated to intervene in or remedy the situation, to the degree\nrequired by written material. This is unbecoming for a reputable establishment such as RIA.\nI have reviewed the material hereto sent by RIA carefully, and it unfortunately provides no response to\nmy fundamental argument concerning the degree of care. Given its size, influence, and the resources at its\ndisposal, this establishment clearly had a far greater capacity than an individual such as myself had, to\ndetermine the level and likelihood of risk that a client such as myself is subjected to and had a duty to\nintervene as they now do to query in particular out-of-pattern transactions of this kind.\nIt is perfectly obvious that RIA, inadvertently, employs a subtle approach in addressing some of the key\nquestions in a manner which neither provides me with adequate support nor protects anything other than\nits own interests.\nIt is RIA here, who has the burden of proof, to show that it has exercised the duty of care, that is to say,\nthat RIA adhered to a standard of reasonable care in relation to the matter at issue given its extensive\nexperience compared to mine. It is RIA that claims that the damages which I have suffered in connection\nto this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has\nnot been, commensurate with RIAs capacity, experience, expertise, or scope of services in any way. To\nreemphasize, RIAs indisputable overriding purpose is by no means to purely execute transactions in a\nblind and blank fashion, but rather to strike a balance between executing those transactions and\ncapitalising on its undeniably vast capabilities to protect consumers thereby enhancing market integrity.\nApropos of the fluidity of the concept of reasonableness, all RIA has done in this regard is set up a\ndichotomy of having or not having the legal obligation under consideration, however, that does not go\none-inch toward explaining why various regulatory authorities, has maintained that financial institutions\ncan, and should, protect consumers using their systems, advanced technologies, and rich experience.\nRIA is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being\nperpetuated. If you don't question its customers instructions or raise the possibility of a scam with the\ncustomer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting customers from financial harm that\nmight occur as a result of fraud or financial abuse; and gives guidance on how to recognise customers\nwho might be at risk, how to assess the potential risks to the individual and how to take the necessary\nactions to prevent or minimise financial harm.\nThese recommendations are established as a general principle, the organisation should deliver a\nservice that:\n1) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it\nsets out systems and tools for the prevention and detection of fraud and financial abuse. As a general\npoint, it says organisations should ensure that all systems are developed using technologies and\nmethodologies that are effective in the prevention of fraud and financial abuse, through authorised\nand unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to\nthe detection of fraud and financial abuse, it says the organisation:\nA) should have measures in place across all payment channels and products to detect suspicious\ntransactions or activities that might indicate fraud or financial abuse. It then lists the following\nexamples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are\ntransactions whose amount, characteristics and frequency bear no relation to the\neconomic activity of the customer, exceed normal market parameters or have no\napparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organisations should have a process in place to ensure that staff make contact with the\ncustomer to verify the financial activity, challenge its authenticity, explain the nature of the\nsuspected or detected fraud and discuss an appropriate plan of action.\nRIA are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging\nexperience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to\navert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which\nrequiring their involvement has not only been pressingly relevant but also eminently reasonable and welljustified.\nRather than empathising with and undertaking substantial efforts to convey their knowledge of the\nexistence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of\nconsumers who have been cheated out of their money and whose role in society is properly fulfilled,\npositively contributing to local economic growth, development and sustainability  RIA adopts a rather\ninsouciant attitude toward my financial predicament portrayed herein.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to\nensue if no responsibility is adopted by RIA in relation to this matter. I have also thoroughly detailed why\nthey cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful\nreflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to\ndisregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts,\nthereby keeping an unjust status-quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is\nabundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall\nfraud, or at least mitigate its risk by using an effective risk management system, demonstrating their\nundisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital\narena. The use of such systems, largely based on newly adopted technologies aimed at effectively\nnavigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in\nthis connection, alongside the application of past knowledge and experience related to popular fraudulent\npractices.\nAstonishingly, I am pondering how it is that, despite being shown that RIAs business conduct was\ninsufficient insofar as background checks are concerned, they keep refuting their indisputable role and\nresponsibility in connection with the matter herein discussed. The points that I have hitherto made are too\ncrucial to be taken lightly. RIAs non-observance of the fundamental principles of justice  that is, to\ncompletely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is\ninexcusable given the size of the establishment and the vast resources at its disposal as the direct result of\nthe patronage of clients like myself.\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses: a)\nfinancial institutions have absolutely no role whatsoever in preventing and detecting fraud, b) the fraud in\nquestion was not reasonably foreseeable, or c) the transactions in question were not sufficiently alarming.\nIt is extremely unfortunate that RIA pushes quite hard for me to believe all three of these thingsdespite\nevidence to the contrary.\nIn summary, I respectively ask your organisation to consider my points, given your personal and\ncompanywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.\nThank you. XXXX XXXX XXXX\nXXXX  THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\nXXXX XXXX XXXX\nTo: RIA\nXXXX XXXX, California , United States\nVia Email\n[Without Prejudice]\nAttn: Complaints/Fraud Dept.\nDear Sir or Madam,\nRe: Demand Letter  Fraud\nI hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that\nyou become aware of the ordeal I have had to go through.\nCommencing on XXXX XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX (the Fraudsters or Company) with the design, development, manufacturing, promoting,\nmarketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of\nwhich aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the\nclient losses to gains.\nMoney was transferred from my account in the total amount of XXXX XXXX utilizing your services.\nOVERVIEW\n This letter shall thrust into the spotlight, inter alia, the increasingly important role those financial\ninstitutions play in the fight against financial crime and fraud, and the pressing need for enhanced\nsupervision and vigilance within your organization.\n Heres an indisputable fact: had you looked at the wider circumstances surrounding the abovereferenced\ntransaction(s), this illicit transfer of wealth could have been prevented.\n Obviously, there is no consensus with respect to the degree and scope to which regulated and licensed\nfinancial institutions must intervene and block suspicious transactions, and indeed, in so doing,\nfinancial institutions may often cause payments to be slowed down unnecessarily or even some\nlegitimate payments may be rejected, however, please be noted that additional frictions such as slower\npayments (such as delaying payments or freezing funds to investigate) is beneficial to and welcomed\nby vulnerable customers and is widely considered to be a positive practice that is necessary in order to\nmaintain their financial safety, particularly for large-value and/or out of pattern.\n Executing transactions without proper authority is not only a severe regulatory offense but also an\nirresponsible and reckless disregard of the customers financial safety.\n Against this background, and without derogating any of my rights, I hereby hold you liable for\nfinancial and emotional harm as well as medical problems relating to this victimization and insist that\nyou reimburse my account in full within 14 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and\nsensitiveness to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as\npossible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards\nand rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good\nindustry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either\nupon knowledge with respect to myself and my own experience, or upon facts obtained through investigations\nconducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations\nset forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the\nallegations contained herein are known only to the Company and/or are exclusively within their control.\nThe Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums\nwhile knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The\noverall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced\nand naive, in pursuance of illicit wealth through various fraudulent representations.\nI did not know, and through the exercise of reasonable diligence could not have discovered, the fraud\nthat was being perpetrated upon me by the Company. Fraud is commonly conceptualized as withholding\nfrom the weaker party in a financial transaction (e.g., an investor) information which is necessary to make an\ninformed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A\ncomplication here is that the weaker party, amateur/unseasoned investors in particular, might have trouble\nanalyzing the data at hand sufficiently well to identify fraudulent schemes. Unfortunately, because financial\nproducts are often abstract and complex, there is no easy solution to this problem. Therefore, full autonomy of\ninvestors might not only require access to sufficient information, but also access to relevant technologies,\nknow-how, processing capabilities, and resources to analyze the information. A reasonable solution is that\nfinancial institutions would be required to promote transparent communication in which they track the\nunderstanding of its customers.\nAccording to the Federal Trade Commissions interpretations of certain terms (like the words deceptive and\nunfair), the FTC has found that a deceptive act or practice encompasses a representation, omission or\npractice that is likely to mislead the consumer acting reasonably in the circumstances, to the consumers\ndetriment.\nThe federal courts have defined a deceptive trade practice [i] as any act or practice that has the tendency or\ncapacity to deceive consumers and have defined an unfair trade practice as any act or practice that offends\npublic policy and is immoral, unethical, oppressive, unscrupulous, or substantially injurious to consumers.\nThe false representations and omissions made by the Company have a tendency or capacity to deceive\nconsumers, such as myself, into unwittingly providing funds that fueled the Companys fraudulent scheme\nand are therefore, by their very nature, jointly immoral, unethical, oppressive, unscrupulous, and\nsubstantially injurious to consumers.\nAs a result of the Companys deceptive trade practices, I was deceived into transferring my funds for\ninvestment returns that were never delivered. I will certainly never receive any monetary value for the\ninvestments considering the way the Company had their scheme rigged, thus causing significant economic\ndamage to me. The false statements of material facts and omissions as described above; and the fraudulent\ntransaction(s) the Company perpetrated upon me; were unfair, unconscionable, and deceptive practices which\nwould have likely deceived any reasonable person under the circumstances.\nMERCHANTS FRAUD SCHEME  ALLEGATIONS\nThe Company hired, managed, and trained personnel, and collaborated with others as accomplices to\ntheir crimes to induce fraud that resulted in my financial and psychological damages. These include,\nbut are not limited to, the following allegations, all of which involve criminal, non-regulated, and\nmalicious activities:\n1. The Company directed and instructed others to work from shell companies that were operating\nfrom various unassociated locations across the globe.\n2. The Company opened bank accounts in multiple countries and used them through their\naccomplices and strawmen from around the world to conceal and disguise the identity of\nillegally obtained proceeds so that they appear to have originated from legitimate sources.\n3. The Company intentionally committed fraudulent misrepresentation, and falsified its agent names,\ncredentials, competencies, qualifications and location. The Companys name is merely a brand name,\nofficially owned by shell corporations located offshore. In reality, the entire operation is being\nconducted from elsewhere (supposed location is evidently fictitious), and on top of that the call center,\nmarketing, and decision making, are all being performed by completely anonymous and hidden\nentities. Concealing true identities and utilizing front companies as a vehicle for a wide spectrum\nof financial maneuvers is a notorious practice of criminal organizations.\n4. The Company has blatantly violated international laws, as it has been practicing without a\nlicense and funneling enormous sums of money, through countries and jurisdictions that require\nregistration to operate.\n5. The Company provided direct investment advice - not utilizing 3rd party recommendations (e.g.,\naccording to Bloomberg TV/Investing.com)\n6. The Company offered investment services/advice not related to real market/exchange data\n(manufacturing false charts etc.). The trading platform was purposely manipulated, in a way that\neach client would ineluctably and unknowingly lose money, as the trades were simply\nconcocted. Instead, the Companys staff and its accomplices simply pocketed the money, using\nit to purchase various luxurious, non-essential items.\n7. The Company prohibited my ability to withdraw my funds.\n8. The Company was guaranteeing returns/yields (unrealistic ones).\n9. The Company furnished me with bonuses - which are not allowed to be given.\n10. My money was not held in a segregated account.\n11. The Company did not advertise/disclose/was not transparent regarding the statistical data representing\nthe percentage of total client losses at the company.\n12. The Company did not mention the commission and overnight swaps.\n13. The Company did not read the risk disclosure prior to my deposit(s).\n14. The Company used high pressure tactics and outbursts, which took a severe toll on my health.\n15. Armed with my personal details, the Companys staff seduced me into transferring all of my\nsavings to them. They utilized their knowledge of my cultural context, which stressed square\nand honorable business dealings along with honesty, in order to maliciously take advantage of\nmy trusting nature.\nPlease take notice that my funds were transferred through means of coercion and under false pretenses.\nAttached, please find supportive statements, screenshots, and further evidence.\nEXPOSING YOUR ORGANIZATIONS MISCONDUCT\nI hereby allege that your organization has completely failed to adequately investigate the circumstances\nsurrounding the transaction(s) in question and willfully blinded itself to obvious red flags.\nMany suspicions should have arisen at your organization as an issue of great concern, with respect to the\nunusual activity taking place in my account. Despite the regulatory and statutory requirements your\norganization should abide by as a licensed and regulated financial institution  and instead of detecting\npatterns, drawing certain conclusions, and taking actions accordingly you at best, merely and insufficiently\nperformed some hasty and haphazard reviews of the transaction(s) or possibly asked only minimal generic\nquestions regarding the suspicious activities, and at worst, shut your eyes completely rather than being careful,\nmethodical, and vigilant. Had you bothered, you would probably have realized that the funds were associated\nwith fraud and financial crime, rather than some other legitimate revenue/activity.\nIn light of the above, and after conducting a comprehensive review of our communication/interactions,\nit has become glaringly obvious to me that no adequate information and/or documentation were sought\nby your organization, at best, and at worst no appropriate safeguards were implemented.\nIf a financial institution executes a customer order to transfer money knowing it to be dishonestly given,\nshutting its eyes to the obvious fact of the dishonesty, or acting recklessly in failing to make such inquiries as\nan honest and reasonable individual would undergo, it would be in breach of its duty of care, even if the\npayment was made in accordance with the terms of the mandate, and the financial institution should still be\nliable for negligence resulting in damages.\nCompliance departments should ensure that staff members understand the legal requirements and where there\nare suspicions, these suspicions be communicated to all relevant personnel whilst being investigated.\nFor the avoidance of doubt, reasonable grounds should not necessarily be interpreted as proof. On the basis of\nvarious signs, you should have assumed that something suspicious was going on therefore should have\nsuspended transaction(s) until reasonable enquiries could be made to verify that the transaction(s)\nwas/were properly executed. In other words, I am a victim of your negligence for facilitating the\nmisappropriation of funds, and doing little to safeguard public financial interests. Any reasonable staff\nmember would have realized that there were many obvious, even glaring, signs that I was being defrauded.\n(XXXX XXXX XXXX (in liquidation) v XXXX XXXX XXXX XXXX XXXX [XXXX] XXXX XXXX) [ii]\nYou knew or should have known that the funds being transferred through your services did not rightfully\nbelong to the recipient fraudsters. Similarly, you knew or should have known that the funds being transferred\nthrough your services serve no legitimate or lawful purpose. You turned a blind eye to the crimes that you\nhave facilitated and thus provided an array of essential money transfer services, acting as a vehicle, with the\nawareness that it was enabling the fraudsters to commit crimes and enrich themselves with the funds of their\nvictims.\nYour services undoubtedly served as a crucial element in the fraudulent scheme detailed herein, and you were\neither unaware of your complicity in the fraud, or, more worryingly, completely aware and silent. Had you\nconducted an adequate account analysis, you would have discovered the nature of the recipient, and\nsubsequently, disclosed and reported the fraudsters activities to law enforcement authorities/agencies and\nregulators. Instead, to satisfy your financial interests, you conveniently closed your eyes, even though you\nundeniably had, at all material times, the necessary controls and resources to influence, whether directly or\nindirectly, those particular transactions.\nYou also had the duty to stop those crimes, yet you refused to do so because you were more interested in\nenriching yourself, even if it meant furthering those crimes and allowing them to cause massive financial\nlosses to plenty of victims  many of whom are probably your customers. Therefore, it is clear that you did\nnot have in place adequate security measures to properly safeguard my assets  hence, you have\nirreparably harmed me and, if not enjoined, will continue to irreparably harm other victims as well as\ntheir loved\nones and associates. You have irreparably harmed me and, if not enjoined, will continue to irreparably\nharm the general public, and our society deserves better.\nA financial institution which wrongly pays money away when it has no authority to do so will usually be\ntreated as if it had paid using its own funds, not those of its customer.\nWhen discussing the responsibilities that a financial institution might incur, it is crucial not to forget the fact\nthat a legitimate complaint by, or cause of action on the part of, a client might generate/give rise to further\nstatutory cause of action and/or additional liabilities beholden by a financial institution to the relevant\nregulatory authority. Obligations/duties beholden by a financial institution to a regulator are distinct from\nthose beholden to the customer. Moreover, you may be held liable to more than one regulator.\nAs a regulated and licensed financial institution, you have strict statutory and regulatory obligations to\nmonitor transactions and report any suspicious activities to law enforcement authorities. The importance of\nimplementing robust internal systems to detect and report money laundering and other suspicious activities\nhas been continuously emphasized in the industry in addition to having the appropriate policies, procedures\nand internal controls in place to ensure ongoing compliance in respect to the aforementioned systems. You\nshould have analysed and distinguished thereafter between that which may be normal activity and that which\ncould suggest an illegal activity. This is a well-known standard industry practice which plays a substantial role\nin preventing criminals from liquidating and laundering funds.\nFRAUD\nActual fraud can be described, inter alia, as suppression of that which is true, by one having knowledge or\nbelief of the fact. Therefore, due to your actual knowledge that such scams are so prevalent, you are liable for\ndamages. Similarly, due to the fact that you knew or were grossly negligent in not kn","date_sent_to_company":"2024-11-30T09:15:06.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10981005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ria Envia, LLC","date_received":"2024-11-30T08:54:09.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Frequently train our employees on the latest practices in cyber and physical <em>security</em>.\n Give you the <em>security</em> tips and resources you need to protect yourself from potential threats."]},"sort":[4.677971,"10981005"]},{"_index":"complaint-public-v1","_id":"7135443","_score":3.7512026,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX\nThis is my complaint against CHASE BANK. \nURGENCY: HIGH\nIMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nI would like to draw your attention to XX/XX/XXXX - I had sent my complaint letter to CHASE BANK, in which I clearly stated\nhow this scam has affected me personally, psychologically andfinancially. \nI am afraid I have had to go through so much \"bureaucracy\" thus far in order to catch their attention to my concerns. This really doesn't\nshow their complaints department in a good light, to say the least; and certainly, does not contribute to my overall satisfaction and peace\nof mind.\nMy complaint is against the bank that did not do its job properly (could not prevent/foreseen fraud and could not conduct a proper\ninvestigation) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank.\nI feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what\nI believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I \ncomprehensively provided explanations and proof to my claim, even so, CHASE BANK never acknowledged my complaint,\ntherefore, I have approached you CFPB and I would like to receive your assistance on this matter.\nGeneral Obligation:\nCommencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX, XXXX XXXX, \nand XXXX XXXX (the Scammers), all of which aim at contributing to the goal of robbing and defrauding innocent people.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, \nthe following (i) whether CHASE BANK did not take notice of any rule, law, or regulation, and/or possibly missed any material elements \nof the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety; (ii) whether by virtue of \nCHASE BANKs custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that \nduty was breached; (iii) whether CHASE BANK promoted the transaction(s) in question despite being aware of the nature of the \ntransaction(s) in question (iv) whether CHASE BANK was in compliance with its own policies and procedures; (v) whether CHASE \nBANK owed duties to myself, what the scope of those duties was, and whether CHASE BANK did not uphold those duties; (vi) whether \nCHASE BANKs conduct was unfair; and (vii) whether CHASE BANK has within its power the ability to, and should, compensate me \nfor the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors \nmaking an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the \ncustomer that such activity meets the relevant criteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. \nIn this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that \ntheir customer is being scammed. In other words, CHASE BANK must have had special knowledge of what was occurring or been alerted \nto a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing \nwith a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care \nof the reasonable person involves in its application a subjective element. \nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most \npeople behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although \nreasonableness is a very fluid concept, all of the evidence suggests that CHASE BANK did not foresee the fraud and disregarded even the \nmost obvious dangers in this respect. \nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person \nshould be applied, and that lessons can be learnt from the errors of the past.\nApropos of the fluidity of the concept of reasonableness, all CHASE BANK has done in this regard is set up a dichotomy of having or not \nhaving the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, \nhas maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich \nexperience.\nSCAMMERS FRAUD SCHEME  ALLEGATIONS\nOn XX/XX/XXXX, I received a phone call in the morning at about XXXX XXXX. The caller identified himself as XXXX XXXX, ID ss(or XXXX) XXXX \nfrom XXXX. He stated that he was confirming a purchase that was made on my XXXX account of a gold XXXX that was to be delivered \nto an address in XXXX New York the next day on the XXXX. I told him that I had not made such a purchase and it needed to be cancelled. \nHe said he would cancel it, but he needed to transfer me to their fraud division and asked me to hold for a moment. This was at XXXX XXXX.\nThe next person got on the line (XXXX XXXX), the same phone number. This person identified himself as XXXX XXXX BadgeXXXX XXXX \nU.S. Marshall. He proceeded to describe that my name was used to open several bank accounts, in Texas, New York, New Jersey, etc. rent \na vehicle and that my name was being used in a money laundering scheme and possibly drug smuggling. He then started to tell me that he \nneeded me to talk to one of their U.S. Marshals that were in that department and proceeded to transfer me to yet another person. He had \nme stay on the line and not hang up for the whole day. The next person got on the line but had a different phone number, 1-XXXX. \nHe identified himself as a U.S. Marshall, XXXX XXXX, badgeXXXX XXXX, assigned to my caseXXXX XXXX, and that he would explain what \nwe could do to protect my money and provide proof that I was not involved with committing any of the fraud. \nHe said I needed to pull all my money out of my bank account and secure it so they could open a new account to put it into at my bank. \nHe then said to stay on the line no matter what and to not tell anyone what we were doing and asked how much money needed to be \nsecured, I then gave him my balance in my bank account. He never asked me for my actual bank account number. He then had me go to the \nbank and withdraw as much as I could in cash to take to a specific Bitcoin ATM that they provided to me after I let them know what city \nI was in. I used XXXX all day long because my car was in the shop.\nI withdrew XXXX cash and proceeded to the Bitcoin ATM address they gave me. He kept stating that my XXXX trips would be refunded \nafter all this was done. They sent me a QRC code to use at the Bitcoin ATM. I deposited the cash into the ATM and kept the receipt. Then \nhe directed me to buy as many XXXX  cash cards as I could to secure the rest. I went to XXXX and was only able to purchase XXXX  cash \ncards for the amount of XXXX each. Then he asked if I could do an ATM cash withdrawal at XXXX for the rest. I was only able to \nwithdraw XXXX because of limits.\nI told him I was at all my withdrawal limits and could do no more for XXXX hrs.\nHe then said that once we got all my money secured that he would set up an appointment for the next day to meet another Marshall in \nperson who would help me set up my new bank account and provide me with my new Social Security number and transfer all my money \ninto the new account.\nHe said he would postpone his case for a day so we could continue the next day because if we did not secure my money, they would close \nmy bank account and my Social Security number forever.\nThe next day, XX/XX/XXXX I was exhausted and didnt want to work with him anymore. I transferred my savings to checking for the next \nround of securing my money. I told him this and told him I did it because I needed to pay some bills with it and was leaving some money \nin my account,\nHe then got upset and said I broke the rules and hung up on me.\nPlease take notice that my funds were transferred through means of coercion and under false pretenses all along!\nCHASE BANK is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you \ndon't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the \nred flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or \nfinancial abuse; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual \nand how to take the necessary actions to prevent or minimise financial harm.\nThese recommendations are established as a general principle, the organisation should deliver a service that:\n1) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for \nthe prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are \ndeveloped using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised \nand unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and \nfinancial abuse, it says the organisation:\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that \nmight indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, \ncharacteristics and frequency bear no relation to the economic activity of the customer, exceed normal market \nparameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial \nactivity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is \nadopted by CHASE BANK in relation to this matter. I have also thoroughly detailed why they cannot simply dismiss this problem by \nstrictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems \nto me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby \nkeeping an unjust status-quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk \nmanagement system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the \ndigital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat\nlandscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and \nexperience related to popular fraudulent practices.\nCHASE BANKs non-observance of the fundamental principles of justice  that is, to completely overlook and not even remotely try to \nmitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as \nthe direct result of the patronage of clients like myself. \nIn summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair \nand reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.\nThank you.\nXXXX XXXX\n\nPage 1 of 7 XX/XX/XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY\nRe: Demand Letter \n For negotiation purposes only, without effect as to any and all rights\nAttn: Claims/Fraud Dept.\nDear Sir/Madam, \nThe goal of this letter is twofold: first, it aims to establish that a duty of care was breached, inasmuch as \nyou have failed to perform adequate due diligence or/and have not acted in a reasonable and prudent \nmanner to prevent foreseeable substantial damages I suffered as a result of a fraud [1]. Second, it shall \nserve as a formal written demand for reimbursement based on the aforementioned grounds, among \nothers.\nA very comprehensive analysis of fraud prevention suggests that by processing an atypical, non-routine \ntransaction(s), and/or by being aware of other fraudulent schemes similar to the one alleged herein \nand/or ignorance of obvious warning signs of fraud, you engaged in/ is a pattern or a practice of wrongful \nand negligent conduct which provided substantial assistance to advance the commission of a fraud that \nresulted in my financial and psychological damages. The facts and details concerning the actions in \nquestion are set forth hereunder.\nOVERVIEW\n Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation\norchestrated by XXXX XXXX, XXXX XXXX, and XXXX XXXX (the Scammers), all of which aim \nat contributing to the goal of robbing and defrauding innocent people.\n Money was transferred from my account via debit card, and through an intermediary named\nBitcoin Of America in the total amount of XXXX XXXX USD utilizing your services.\n This letter shall thrust into the spotlight, inter alia, the increasingly important role financial\ninstitutions play in the fight against financial crime and fraud, and the pressing need for higher\nlevels of supervision and vigilance within your organization.\n Additionally, it is vital that you will immediately take all actions within your power to remedy the\nsituation, whether by raising chargeback in respect of the transaction in question or reimbursing\nme and crediting my account, for the full amount of these payments, in the total amount of XXXX XXXX USD\n Heres an indisputable fact: had you looked at the wider circumstances surrounding the abovereferenced transaction, this illicit transfer of wealth could have been prevented.\n Executing transactions without proper authority is not only a severe regulatory offense but also\nan irresponsible and reckless disregard for the customers financial safety.\n1 FCA: A more effective approach to combatting financial crime (XX/XX/XXXX)\nPage 2 of 7 XX/XX/XXXX \n2 \n Against this background, and without derogating any of my rights, I hereby hold you liable for\nfinancial and emotional harm as well as medical problems relating to this victimization and\ndemand that you reimburse my account in full within 10 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and \nsensitivity to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as \npossible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, \nstandards, and rules promoted by supervisory authorities, relevant codes of practice and (where \nsuitable) what was good industry practice (GIP) at all times relevant hereto. The allegations contained \nherein are predicated either upon knowledge with respect to myself and my own experience or upon \nfacts obtained through investigations conducted by qualified third parties. I strongly believe that \nsubstantive evidence in support of the allegations set forth herein will be found after an appropriate \nopportunity for discovery. Key facts supporting the allegations contained herein are known only to the \nScammer or/and are exclusively within their control.\nI did not know, and through the exercise of reasonable diligence could not have discovered, the \nfraud that was being perpetrated upon myself by the Scammer. Fraud is commonly conceptualized \nas withholding from the weaker party in a financial transaction information which is necessary to make \nan informed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A \ncomplication here is that the weaker party might have trouble analyzing the data at hand sufficiently well \nto identify fraudulent schemes. A reasonable solution is that financial institutions would be required \nto promote transparent communication in which they track the understanding of its customers. \nThe false representations and omissions made by the Scammer have a tendency or capacity to deceive \nvictims, such as myself, into unwittingly providing funds that fueled the Scammers fraudulent scheme \nand therefore are, by their very nature immoral, unethical, oppressive, unscrupulous, and substantially \ninjurious to consumersall at once.\nAs a result of the Scammers deceptive practices, I was deceived into transferring my funds to them. The \nfalse statements of material facts and omissions as described above; and the sham transaction(s) the \nScammer perpetrated upon myself; were unfair, unconscionable, and deceptive practices perpetrated on \nme which would have likely tricked a reasonable person under the circumstances.","date_sent_to_company":"2023-06-20T02:01:40.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"92071","tags":"Servicemember","has_narrative":true,"complaint_id":"7135443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-06-20T01:04:48.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In this regard, even <em>access</em> to adequate information is insufficient to achieve complete autonomy. A \ncomplication here is that the weaker party might have trouble analyzing the <em>data</em> at hand sufficiently well \nto identify fraudulent schemes. A reasonable solution is that financial institutions would be required \nto promote transparent communication in which they track the understanding of its customers."]},"sort":[3.7512026,"7135443"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4}]}},"product":{"doc_count":4,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1}]}}]}},"issue":{"doc_count":4,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}}]}},"timely":{"doc_count":4,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4}]}},"company_response":{"doc_count":4,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":4,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4}]}},"company":{"doc_count":4,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1}]}},"state":{"doc_count":4,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AR","doc_count":1},{"key":"AZ","doc_count":1},{"key":"CA","doc_count":1}]}},"company_public_response":{"doc_count":4,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},"tags":{"doc_count":4,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2},{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}