{"took":613,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6091888","_score":24.60877,"_source":{"product":"Debt collection","complaint_what_happened":"Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX  ( XXXX XXXX XXXX  ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.","date_sent_to_company":"2022-10-16T21:33:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33012","tags":null,"has_narrative":true,"complaint_id":"6091888","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-10-16T21:19:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Also <em>multiple</em> laws in accordance with the FCRA have <em>been</em> <em>broken</em> <em>because</em> for some <em>time</em> now I've <em>been</em> <em>receiving</em> <em>letters</em> with <em>multiple</em> <em>violations</em> on them, here are the laws that have <em>been</em> <em>broken</em>, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after <em>multiple</em> litigation cases against them for <em>violating</em> these federal acts."]},"sort":[24.60877,"6091888"]},{"_index":"complaint-public-v1","_id":"6091883","_score":24.60877,"_source":{"product":"Debt collection","complaint_what_happened":"Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against XXXX to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.","date_sent_to_company":"2022-10-16T21:34:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33012","tags":null,"has_narrative":true,"complaint_id":"6091883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-10-16T21:34:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Also <em>multiple</em> laws in accordance with the FCRA have <em>been</em> <em>broken</em> <em>because</em> for some <em>time</em> now I've <em>been</em> <em>receiving</em> <em>letters</em> with <em>multiple</em> <em>violations</em> on them, here are the laws that have <em>been</em> <em>broken</em>, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after <em>multiple</em> litigation cases against them for <em>violating</em> these federal acts."]},"sort":[24.60877,"6091883"]},{"_index":"complaint-public-v1","_id":"8085570","_score":18.440151,"_source":{"product":"Credit card","complaint_what_happened":"I've been having a litany of problems with Chase over the past 2 months and I have reason to believe they have broken a multitude of consumer finance laws regarding both of my credit card accounts. \n\nAt some point in XXXX or XXXX of XXXX, they introduced a new digital services agreement requiring consent to access your online accounts. Upon advice from a lawyer, I did not consent to either of these digital service agreements due to privacy concerns. Therefore, I have been locked out of my online Chase accounts and unable to pay my bills online or access my rewards for both credit card accounts. I did not consent to these agreements because I refuse to allow Chase to sell my private financial data to data brokers. \n\nI've previously had a XXXX  % on-time payment history in my XXXX  years of credit history, but have been having a number of personal & financial difficulties recently including job loss, illness, and XXXX. So I called Chase on XX/XX/XXXX to request a deferment or forbearance on my accounts. I felt this was a reasonable request considering my payment history as well as the hyperinflationary crisis occurring in the macroeconomy. Chase refused to grant me this request and instead advised me to not pay my bills and go into default on my accounts. While speaking to Chase on XX/XX/XXXX, I was informed that there were additional changes to their agreement terms that were separate from the updated digital services agreement which were sent to my online accounts. I was not able to access these new terms because I was previously setup for electronic communications, but was/am locked out of my online Chase accounts so did not receive these important time-sensitive notices affecting my legal rights. I requested they send me these new terms in the mail in a timely manner so I could forward them to a lawyer for review. \n\nInstead of receiving these updated terms in a timely manner, Chase sent me a printed notice dated XX/XX/XXXX stating they had not sent any changes to my account recently. I will note this is notice is factually incorrect and contrary to what I was told over the phone. \n\nI again had to call Chase on XX/XX/XXXX after receiving this incorrect notice to request printed agreement terms to forward to a lawyer for review. Instead of receiving these agreement terms, I received a printed notice from Chase dated XX/XX/XXXX incorrectly stating that one of my accounts had been closed at my request. I never requested for that account to be closed and when I called Chase for clarification on XX/XX/XXXX I was told by multiple people that XXXX of my accounts were still open and in good standing. \n\nMy understanding is that this is duplicitous, unethical, and illegal for breaking consumer finance regulations. Chase has repeatedly told me things over the phone that are contrary & contradictory to things that Chase has mailed me in writing. This lead to me forming a support ticket with Chase 's executive office which is still under their internal investigation. I also requested a hardship settlement for my accounts but was denied over the phone, which is contrary to a printed letter they previously sent me in writing. \n\nSince I had not received the updated terms yet and the issue was time-sensitive, a lawyer was able to track down the revised agreement terms from another Chase Freedom Unlimited customer. The lawyer notified me the new agreement terms contained an arbitration agreement which had to be opted out of in-writing in a timely manner. So I wrote & mailed two letters each dated XX/XX/XXXX notifying Chase that I reject their arbitration agreements. I later received the updated terms for XXXX  accounts which were dated XX/XX/XXXX but I did not receive them until after I mailed my letters of arbitration rejection on XX/XX/XXXX. \n\nOn XX/XX/XXXX I made the minimum payment due of {$720.00} for XXXX of my accounts in-person Under Duress. The payment was made Under Duress because Chase refused to grant me a deferment, forbearance, or hardship settlement, and I had to borrow the money to make the payment even though I can not afford it. I will note that Chase refused these simple, reasonable requests despite us being in an active dispute requiring them to conduct an internal investigation over the integrity of their systems. I will also note that making payments in-person is extremely inconvenient for me, and that making payments over the phone aren't a secure method to pay due to various technological reasons. \n\nI called Chase on XX/XX/XXXX to check if my letters had been received but was initially told they had not been received. After informing Chase that I sent the letters with XXXX tracking numbers and could prove they received the letters on XX/XX/XXXX & XX/XX/XXXX respectively, they admitted they received the letters. This resulted in me having an additional support ticket created by Chase 's escalation department which is separate from the support ticket created by Chase 's XXXX office. I was told over the phone that Chase rejected my rejection of arbitration for XXXX account but not the other. I have yet to receive this letter of notice in the mail. \n\nMy understanding is Chase has broken XXXX consumer finance laws through my correspondence with them over the past couple of months. I also have reason to believe their systems have been hacked or compromised since they have sent me multiple factually incorrect letters in error. My understanding is that this is a violation of Chase 's fiduciary responsibility to safeguard & protect my private financial data, and that they are liable for damages if I choose to sue them in a court of law.","date_sent_to_company":"2024-01-01T01:56:40.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"97223","tags":null,"has_narrative":true,"complaint_id":"8085570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-31T23:33:46.000Z","state":"OR","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["My understanding is Chase has <em>broken</em> XXXX consumer finance laws through my correspondence with them over the past couple of months. I also have reason to believe their systems have <em>been</em> hacked or compromised since they have sent me <em>multiple</em> factually incorrect <em>letters</em> in error. My understanding is that this is a <em>violation</em> of Chase 's fiduciary responsibility to safeguard & protect my private financial data, and that they are liable for damages if I choose to sue them in a court of law."]},"sort":[18.440151,"8085570"]},{"_index":"complaint-public-v1","_id":"7114409","_score":12.643304,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX, we were put in a HELOC mortgage. Besides the home purchased being over-appraised ( after the closing of the sale we were informed that the appraisers brought in by Wells Fargo and the loan servicer, were working together ; and we probably shouldn't have even been put in a HELOC, but the pressure from Wells Fargo onto its employees that were receiving kick backs contributed to this in the first place ) in order to get the loan amount needed. After the housing market decline, the value of the home was over 50,000 less than the loan closing amount. Despite that, and efforts to renegotiate with Wells Fargo, the only solution our family had to avoid falling behind was to move, and rent out the property. We did this for almost 10 years. More recently, in XXXX of XXXX, the tenants in our home stopped paying rent ( the rental price was the exact amount of our mortgage payments ). Turns out, after years of making on -time payments, we fell behind with Wells Fargo because of having squatters in the property. Since XXXX of XXXX ( 2 months prior to covid ), we have notified Wells Fargo of the issue at hand. We had con-artists in the house. And if it couldn't get any better, the lease was a real estate planning, and tenant- landlord lease agreement attorney in Illinois XXXX We later found out, we were the second victims of this unethical and strategically manipulative con artist. In XXXX of XXXX, covid 19 occurred. Despite the tireless efforts of my family to evict the squatters, WELLS FARGO IS A FEDERALLY BACKED MORTGAGE COMPANY, therefore we weren't able to remove them from our property. Under the cares act signed into law, the requirements to qualify for the eviction moratorium are A. B. C. and D. Our tenants did not meet any of the requirements. And despite that, our eviction filings in the XXXX XXXX court, were still denied. We did everything we could do without violating laws to remove the unauthorized tenants from our home, but they remained until XXXX of XXXX. When we finally were able to gain access to the inside of our home, it was DESTROYED. Black mold infestation, broken windows, walls, stolen appliances, ripped out door knobs, light fixtures, window hardware, above ground pool trashed and used as a garbage for over a year because the squatters were using it as a garbage can ( because the city took away the cans which we later had to hunt down, because they didn't pay the garbage bill ), broken pipes, the list goes on. Even after making Wells Fargo aware of the situation, they were still charging us late fees, and we requested a forbearance that was later approved. Despite this, in XXXX when the HELOC ballooned, and we could not pay due, they changed the loan to a conventional home mortgage. Upon the agreement with Wells Fargo to put our home into forbearance due to covid, it was outlined in the contract that when the forbearance period was up, we would be able to re- negotiate the terms of our loan. Over the last year, Despite our efforts and multiple certified overnight letters requesting first an extension, then a pay off amount amongst other requests ( like access to our online portal to print out statements, which we are still being denied ), WELLS FARGO did NOT respond. Instead of working with our family to work out a new payment plan, they not only filed for foreclosure, but they hired an attorney and filed a suit to sue our first position loan servicer ( by the way who has been paying the taxes of our home ), for first position. Why the effort to go through all of this, but ignore our request to pay off the loan completely pending the cash sale of an inherited debt free property. Considering the nightmare my family and I have been through, and the tireless effort to fix the damages done to our home, which now has amounted to over 120,000 in remodeling because of the damages done, they are still failing to give us a reasonable answer. How do we NOT qualify for mortgage assistance!? Since Wells Fargo is a federally backed mortgage company, I am holding them directly responsible for the inability to remove the tenants from our home in the first place. Despite the the extensive destruction of our home, and the immediate threat posed to our property, and the property of our neighbors, they remained in the house for over 18 months while denying us access and not paying rent. This is like something out of a horror film. Last week, I called the hone owners insurance to notify them the pool was removed, thinking our costs might be lowered -- -- to find out that Wells Fargo reported the home to the city, and our insurance company as in foreclosure and VACANT. HOW IS THIS EVEN POSSIBLE WHENI HAVE BEEN LIVING HERE AND RENOVATING THE HOME FOR OVER 8 months? The water was shut off illegally on me ( even with up to date payments, in XXXX ), but nobody could shut the water off in XXXX when the water bill balance was over 500 dollars, and deem it unlivable when it was infested with rodents, feces, and mold to ensure the squatters would stop living there part time and get OUT! Now, I have had it. Our family is a middle class suburban family, doing our best. I have now spent over XXXX investing in completely remodeling the home. Comparable to other homes, with the remodel almost complete, the home would be worth well over the cost of the original loan, so OFCOURSE Wells Fargo wants to foreclose!! that way they can double dip. Auction off the property, write off the losses on their taxes, and get it back dollar for dollar ; all while screwing over the middle class Americans so the big corrupt corporations can get bigger. Welcome to AMERICA. Nobody has been able to help us, and its emotionally, financially, and physically destroyed my family 's well being.","date_sent_to_company":"2023-06-14T12:02:58.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"60452","tags":null,"has_narrative":true,"complaint_id":"7114409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-06-14T11:03:30.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Black mold infestation, <em>broken</em> windows, walls, stolen appliances, ripped out door knobs, light fixtures, window hardware, above ground pool trashed and used as a garbage for over a year <em>because</em> the squatters were using it as a garbage can ( <em>because</em> the city took away the cans which we later had to hunt down, <em>because</em> they didn't pay the garbage bill ), <em>broken</em> pipes, the list goes on."]},"sort":[12.643304,"7114409"]},{"_index":"complaint-public-v1","_id":"2736681","_score":10.430287,"_source":{"product":"Mortgage","complaint_what_happened":"THIS IS NEW COMPLAINT THAT DEVELOPED ON XX/XX/XXXX AND IT SHOULD BE ADDED TO MY OLD COMPLAINT SUCH AS XX/XX/XXXX, XX/XX/XXXX ETC. \nVIOLATION OF RESPA, CORRUPTION, MONEY LAUNDERING BULLYING AND TAKING ADVANTAGE OF POSITION. \n\nDATED XX/XX/XXXX This is not an old compliant that should be included with XX/XX/XXXX, or XX/XX/XXXX or any past complain. There should no reason what so ever to delay my other complaint to be provided full response since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. \n\nIts been since XX/XX/XXXX I have not been provided with back up documents why unpaid balance on XX/XX/XXXX letter as {$47.00}, XXXX which included {$19000.00} escrow account. \nI have been not provided why on XX/XX/XXXX extra {$25000.00} is for what and I have not provided any back up documents. \nI have also not been either sent refund or my account credited for {$7500.00} MONEY LAUNDERING Law requires Wells Fargo Bank to credit my payments as soon they are received and not hold on to the payments for 4 years. WFB is involved in money laundering for neither send me refund, nor crediting my account for close to 4 years. My request on XX/XX/XXXX to correct the error has been futile. WFB has no intention and to correct the error, apply payments to my account and has refused send me refunds. I spoke to manager XXXX XXXX and explained him to correct modification documents and either credited my account for XX/XX/XXXX payments. He agree with me amount should be broken down and provide me his email I received no response. I made multiple phone calls sent multiple email was sent XXXX XXXX neither replied any of my email neither has return of my phone message. He also did not answer of my phone calls after my first telephone conversation. Close to 20 emails and unlimited phone message has been left for XXXX XXXX none has been responded. WFB have been informed multiple method about the error or money laundering but they stubborn n and ignorant to correct this taking its position to WHO CARES CORRUPTION Since XX/XX/XXXX etc ; WFB has not provided any answers to my dispute had asked closed to 60 extensions to me answers with back up documents. One my request since XX/XX/XXXX was that documents provided for modification after receiving funds from Keep My Home CA had the following errors that needed to be corrected. As of XX/XX/XXXX WFB has not corrected or provide any reason why documents was right and could not be corrected. \n1. Total balance on the account was not correct.\n2. Total unpaid on XX/XX/XXXX balance was also not correct 3. WFB has not applied my payments of XX/XX/XXXX to my account for close 4 years 4. Escrow balance and payments were wrong 5. Based on XX/XX/XXXX letter unpaid balance of {$47.00}, XXXX XXXX. At the end on XX/XX/XXXX modification document unpaid {$73000.00} XXXX. Additional or extra {$25000.00} WFB has not provide any back documents and this has been added to my account in matter of few months. \nOn XX/XX/XXXX I emailed entire modification documents emailed to manger XXXX and I asked XXXX XXXX to respond to me after receiving entire documents that they were received. \nOn XX/XX/XXXX I received email confirmation modification documents was received. ( Attached ) On XX/XX/XXXX I dropped off sealed envelope fully paid and was provided by WFB to XXXX XXXX and was delivered to WFB on XX/XX/XXXX at XXXX XXXX received and singed by XXXX XXXX. ( Attached ) On XX/XX/XXXX I left voice mail message for XXXX XXXX to find if I should get another sets of documents or need to get an update. I received no return phone call from XXXX. On XX/XX/XXXX I sent email to XXXX inquiring the same that should I be getting any further documents from WFB and since it was after 2 weeks I have no idea what was going on. ( Attached ) On XX/XX/XXXX late in the afternoon I received phone call from XXXX and she told it seems WFB is returned funds to XXXX and she no further information it was in process. Upon getting further information she promised she will advise me or provide me more information. \nOn XX/XX/XXXX I called WFB and it was closed so I left voice mail message for XXXX XXXX to return my phone call. \nOn XX/XX/XXXX I called WFB around XXXX XXXX and spoke to staff named XXXX XXXX. I asked to speak to manager I was told hold on he phone and after she came she told me XXXX was answering his phone she had sent and email XXXX has not responded. She than told she will send another email to XXXX lead and than informed lead has not responded to email as well. I than asked to speak to manager again she send another email to manger and than informed manager also did not respond to he email. She than informed me may they all are in meeting and that is why no one respond to he emails. \nI than asked her if she can see anywhere in my accounts funds has been returned to XXXX. I was told no but I was informed my modification documents has not been received by WFB. Told her I have email confirmation on XX/XX/XXXX it  received and XXXX delivery confirmation. At that point she said XXXX was back on his desk and transferred the call to XXXX. \nI asked XXXX about funds being returned to XXXX he explained me my documents was supposed to have been received by XX/XX/XXXX and since it was not received by WFB by XX/XX/XXXX funds was returned to XXXX on XX/XX/XXXX. \nI than told XXXX I received an email conformation on XX/XX/XXXX he never stated in his emailed funds were returned on XX/XX/XXXX. I was explained that he never send emails. I told him my email was sent to manger XXXX and it was XXXX who replied conformation. I further told he call me on XX/XX/XXXX which agreed and I told in that recoded conversation he did not mention funds will be returned and documents was supposed to be received by WFB on XX/XX/XXXX. I than told I have received multiple letters mostly from him after XX/XX/XXXX and so do CFPB has received multiple extension none stated funds were returned or will be returned and final date to received modified documents was XX/XX/XXXX. \nI than requested to speak to his mange and XXXX named manager came on line. She told my issues have been almost competed and I should get response in writing soon. She also stated to me final date to received documents was XX/XX/XXXX. I told her multiple and multiple extension has been received in writing, phone calls and through CFPB none stated about final date to receive modification date was XX/XX/XXXX. \nI than told her I received email confirmation on XX/XX/XXXX it did not state final date was XX/XX/XXXX and funds has been returned on XX/XX/XXXX. She again told me funds were returned on XX/XX/XXXX. She further stated to me she will look to entire stuff and get back to me within 24 to 48 hours. She also stated to me investigation into my complaint dose not indicate there was any problem and all payments and other funds have been properly applied. \nI called back to CEO XXXX XXXX office spoke to XXXX she told me I have called multiple times and she will have to transfer call to mortgage corporate office and the call was transferred the call. I spoke to XXXX XXXX explained her of the above she asked me she sits next to XXXX XXXX and she had entire conversation and as sated within 24 to 48 hours above issues will be provided. I than asked her of she fax number so I can send email confirmation her. She did provide me her fax number and phone number. I than requested that please answer my calls and return my messages since XXXX XXXX dose not do that. I did set the fax with email confirmation dated XX/XX/XXXX and received phone call from XXXX. I called him back on XX/XX/XXXX he confirmed to me fax was received on XX/XX/XXXX. \nI again asked XXXX that so many letters was received after XX/XX/XXXX for an extension none sated final date to submit modification documents was XX/XX/XXXX. Neither I was phone discussion with him on XX/XX/XXXX he sated about final date was XX/XX/XXXX. Nor CFPB was informed neither its states in his email funds was returned. He gain reiterated to me he dose not send email and due date was XX/XX/XXXX and funds was returned on XX/XX/XXXX. \nIts over 48 hours I have received no information from WFB. \nI called XXXX spoke to XXXX and she than twisted things little bit and stated to me she was able to see funds being returned on XX/XX/XXXX and funds was received on XX/XX/XXXX. She told me things are done differently in their office it is done electronically. By using electronically funds should not take about one month to be received by XXXX. She did not provide me reason why it took abut one months to received funds. On XX/XX/XXXX XXXX from XXXX also contradicted herself by stating she could see funds being in process of returned but funds was officially returned on XX/XX/XXXX. On XX/XX/XXXX XXXX never stated to me she could funds being returned on XX/XX/XXXX. \nBased on my discussion with XXXX on XX/XX/XXXX I was explained XXXX could see funds are being returned but she had no detail as on that time. My email to her on XX/XX/XXXX confirmation from WFB nothing was stated that on XX/XX/XXXX funds was returned when according WFB funds was returned on XX/XX/XXXX ( Attached ) also she contradicted herself on XX/XX/XXXX she stated she could see funds were being returned on XX/XX/XXXX but did not mention this to me XX/XX/XXXX. \nWFB is involved in corruption letters sent to me, phone calls made to and to CFPB no stated funds were returned or last date was XX/XX/XXXX. There was never at any point of time during my phone conversation, email to manager XXXX, letter I was informed last date to receive documents was XX/XX/XXXX. Email conformation attached was dose not indicates that. About 20 email to XXXX XXXX not even singe was replied what I call BULLING AND CORRUPTION. ( Attached ). XXXX has no excuse and that XXXX XXXX was not getting my email. My email with documents emailed to him in which I asked him to confirm me if entire documents were received and he did. \nEmail confirmation which was received on XX/XX/XXXX dose not state funds was returned on XX/XX/XXXX.  DOJ and FBI will be filed complaint to investigate this corruption. \nEven if the funds were returned on XX/XX/XXXX XXXX never received it until XX/XX/XXXX close to one month late. No funds was returned on XX/XX/XXXX but it was received on XX/XX/XXXX and it was re tuned around XX/XX/XXXX. DOJ will and FBI will have investigated this corruption and fraud. It dose not even takes mail to arrive about one month it normally takes 2 days. Here funds were received on XX/XX/XXXX and I have recorded discussion form XXXX on XX/XX/XXXX. Its just corruption by WFB. I have recorded conversation with XXXX from XXXX on XX/XX/XXXX she confirmed to me returned funds was received on XX/XX/XXXX. \nBULLING AND ADVANTAGE WFB by holding lien is bulling us which I have stated before and stating this. Now. \nOn XX/XX/XXXX I had telephone discussion with XXXX who called me to request for an extension to provide my answers to my dispute items. He did not stated to me in the conversation which is recoded yesterday which was XX/XX/XXXX was last to get the singed documents and it was late. Will provide that recoded conversation. He never stated funds will be returned CORRUPTION AND FRAUD Multiple letters received by XXXX after XX/XX/XXXX dose not states funds was returned because last date to provide singed documents was XX/XX/XXXX. ( Attached ) WFB is taking advantage its position by holding line that they can decided either way and I have to accept it. From XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX I have not received my disputed facts with back up documents why they disagree or agree. \nONLY THING I HAVE RECEIVED ABOUT 60 EXTENSIONS Like wise my XX/XX/XXXX letter over close to 100 pages has not been received with back up documents why WFB agrees or disagree. Neither they have provided to CFPB. All WFB has done is kept asking for extension and close to 60 extension has been made to provide me an answers. Despite this manger XXXX insisted with me there is nothing wrong with amount and all are correct. Accounts are not the only issues but there are many other issues and manger XXXX is incompetent state to me all are correct. I will prove her wrong if she ones to get 3 party conference with CFPB and Senator XXXX. \nAs she stated amounts are correct she must leave WFB for stating amounts are correct when attached documents indicates XX/XX/XXXX payments has not been applied to my account. It indicates its sitting in un applied funds. Manager XXXX is incompetent should reign for providing me wrong information which is recorded. \nLike wise manager XXXX amount on XX/XX/XXXX letter un applied balance was $ {$47.00}, XXXX and modification documents of XX/XX/XXXX was {$73000.00} additional {$25000.00} she just can tell me that is correct but provide me back up copies what extra {$25000.00} has been added for and why. She must provide me beck up documents why {$25000.00} was added so far I have not been provided but illegal, fraud and corruption. \n\nRESPA VIOLATION 1. My dispute if XX/XX/XXXX WFB has neither acknowledged within 10 days or provide me any answers within 30 days as required by law. \n2. My disputed latter of XX/XX/XXXX was acknowledged within 10 days but I have not been provided any answers or response to my inquiry after 3 months and law require only 30 days to respond to inquiries and not indefinite. \n3. My payments of XX/XX/XXXX has neither be credited nor applied to my account or I have been sent refund. \n4. My letter sent to WFB to correct the error XX/XX/XXXX has not been either corrected, or I have received any acknowledgment in 10 days or have been provided response within 30 days as required by law. \n5. WFB is involved in money laundering payments that was received in XX/XX/XXXX should been credit or applied to my account at that time. Its been close to 4 years my payments has neither been credited nor applied to my account. Neither have I been provided refund as per my request in my email letters which included on XX/XX/XXXX 6. WFB refused to provide me why {$25000.00} was added with back up documents for close three months. Law requires them to provide me my inquiry to be responded within 30 days. \n7. WFB has not provided any back up documents why it has overpaid escrow account for close to 11 months and law requires them to provide me inquiries within 30 days. \n8. XX/XX/XXXX I left message at XXXX XXXX not received no phone call. Called him about noon he told he had not heard his message. I asked home to give me brake down of {$73000.00}. He told me he can only give principal balance of {$120000.00} and escrow has negative $ XXXX but can not give answer to interest he is still doing research and he has time until XX/XX/XXXX to respond, ON XX/XX/XXXX PHONE CONVERSATION HE DID NOT STATE HE HAS NOT RECEIVED MODIFICATION DOCUMENTS AND I HAD LAST DATE WAS XX/XX/XXXX AND HE HAS NOT RECEIVED THE DOCUMENTS 9. ON THE PHONE CONVERSATION HE DID NOT STATED HE NOT RECEIVED MODIFICATION DOCUMENTS AND I HAD LAST DATE WAS XX/XX/XXXX AND HE HAS NOT RECEIVED THE DOCUMENTS RETALIATION After I asserted my rights to file complaints with Senator XXXX XXXX, Congress XXXX, Assemblyman XXXX XXXX, Comptroller of Currency, FTC, Attorney General of IA, Attorney General of CA etc. \nWFB has just retaliated with me by returning funds to XXXX after some time in XX/XX/XXXX and now lying to me funds was returned on XX/XX/XXXX. Its dose not takes close to one month any types fund to be returned close to one month or 25 days via electronic fund transfer. Its also fraud to state to me on XX/XX/XXXX funds was returned on XX/XX/XXXX neither in any letters after XX/XX/XXXX states, in any email to the manager, to CFPB and phone conversation stated to me funds will be returned after XX/XX/XXXX. None of the letters attached after XX/XX/XXXX states funds was returned on XX/XX/XXXX. \nIts part of retaliation for me asserting my rights after WFB its has been bulling us, violating laws and retaliating against me. \nNo funds were returned on XX/XX/XXXX and no funds were received around XX/XX/XXXX by XXXX. No funds were received by XXXX anytime in XX/XX/XXXX this is just simple Fraud and Corruption. Funds was received XX/XX/XXXX dose not indicates its was ever returned on XX/XX/XXXX and is part of retaliation. \nMultiple letters ( attached ) received after XX/XX/XXXX dose not indicate final date was XX/XX/XXXX to send singed documents. Neither it stated funds were already returned is part of retaliation. \nLike wise CFPB has received multiple notice of extension of time to provide response to my inquiry and none stated final date to provide since documents was XX/XX/XXXX also of if retaliation. \n\nI WOULD LIKE REITERATE WELL FARGO NEVER DISCUSS WITH ME ANY TIME FUNDS WILL BE RETURNED AFTER XX/XX/XXXX IF DOCUMENTS WERE RETURNED BEFORE THAN NEITHER I WAS INFORMED IN ANY WAY FUDS WERE RETURNED ON XX/XX/XXXX. I ONLY CAME KNOW FUNDS WERE BEING RETURNED THROUGH XXXX AFTER I HAD SEND EMAIL TO FIND OUT THE STATUES OF MODIFICATION ONCE AGAIN THIS IS NEW COMPLAINT THAT DEVELOPED ON XX/XX/XXXX AND IT SHOULD BE ADDED TO MY OLD COMPLAINT SUCH AS XX/XX/XXXX, XX/XX/XXXX ETC ; AND DATE OF COMPLAINT FILED IN XX/XX/XXXX.","date_sent_to_company":"2017-11-23T09:56:30.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"2736681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-11-23T09:24:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["He agree with me amount should be <em>broken</em> down and provide me his email I received no response. I made <em>multiple</em> phone calls sent <em>multiple</em> email was sent XXXX XXXX neither replied any of my email neither has return of my phone message. He also did not answer of my phone calls after my first telephone conversation. Close to 20 emails and unlimited phone message has <em>been</em> left for XXXX XXXX none has <em>been</em> responded."]},"sort":[10.430287,"2736681"]},{"_index":"complaint-public-v1","_id":"6103570","_score":9.942744,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX have lied for years to the credit bureaus, they never had validation of these two medical debts for years, not until XXXX XX/XX/XXXX, two months ago!, did they admit even halfway that they they Just now contacted their client and tried to say what they have now is illegal, and should be barred from reporting to the Credit bureaus. Never has validation been provided and the proof is herein. You all Better fix this quick or youre gon na get sued hard and deep. \n\nI have been victimized by fraud and am still being victimized by XXXX XXXX XXXX XXXX, a collection agency. \n\nXXXX XXXX XXXX, a collection agency located in XXXX, North Carolina has been attempting to collect two medical debts from me stemming back several years. \n\nXXXX XXXX XXXX  ( also known as XXXX  XXXX  ) is contracted by XXXX, XXXX XXXX, a local Physicians staffing company also located here in XXXX, N.C. \n\nXXXX, XXXX XXXX is contracted by XXXX XXXX, a local hospital also located here in XXXX, XXXX. \n\nXXXX XXXX  is a local hospital here in XXXX, N.C. that supposedly provided services to me back in XXXX at which time there were supposedly two different visits with one being {$85.00} and another approximately {$1000.00}. \n\nOver a year ago I noticed these two charges on my credit report and began disputing these two charges with Equifax, XXXX, and XXXX through this dispute process XXXX XXXX XXXX was included because they were the furnisher of information being provided to the credit bureaus for many years and claim to own the two accounts now which at one point were supposedly two medical debt collections and now are being called merely collections by XXXX. \n\nI learned throughout this process first that when a collection agency buys or takes control over debts they purchase or contract with, etc., is that they can tag those accounts now as simply collection accounts in most cases so that they deceive anyone reviewing my credit as a regular collection account and not a medical collection account so that it affects my credit score in the worse possible way and does not appear to someone reviewing my credit as a medical debt which is to be and usually is ignored in a credit review because medical collections are not treated or viewed the same with regards to one 's credibility. \n\nAnd so I began the process of disputing these collections and did not realize what I was getting myself into. Thus far, I have documented evidence, absolute proof of, and will demonstrate if needed to anyone that XXXX XXXX XXXX, in their collaboration with me regarding these two collection accounts have. \n\nViolated North Carolina state laws by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts. \nViolated HIPPA Federal Law by mailing a document that they claim is a statement of service provided to me during those two visits, which they received in XXXX XXXX of XXXX after months, and hours, pleading with them for validation of these two accounts - a statement that illegally included the doctors name that supposedly performed services on me during those visits. The document also included the services section clearly showing service of some sort that had been Xd out ( XXXX XXXX ) over the actual content. This entire document was in direct violation of HIPPA and they either fabricated it years later after multiple disputes or XXXX, XXXX, XXXX Or XXXX XXXX provided it to them. Naturally, they would be the source of the information so they are directly responsible for that data ever being in the hands of the collection agency. \n\nThere are specific laws about what can be given to a contract collection agency and those laws were not followed at all as I was embarrassed to have received that from the mail from the collection agency. I was appalled that a collection agency would have my doctor 's name that worked for an entity contracted for XXXX XXXX. \nViolated Federal Law 15C by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts.\n\nEither lied to all credit bureaus over the past few years or months when they responded to each dispute of validation filed with each credit bureau time and time again thus causing the credit bureaus to agree with them and discredit my dispute thus causing : My credit score to be dramatically low for years. \nViolating my rights to due process by not allowing me to dispute correctly, completely, accurately, and ly, and by eliminating the possible outcome of an amicable resolution by their false claims of validation when their account just received that information in XXXX, XXXX. \nCaused and still are causing severe health and mental problems with me for months dealing with these disputes, the threatening letter, and coercion with fear that Im going to get arrested for disputing what now is proven to be a pattern of deceptive trade practices at the highest levels with this company XXXX XXXX XXXX. \nThis caused me to lose work, lost employment, XXXX, and XXXX, and not be able to focus on anything but the destruction this company XXXX XXXX XXXX XXXX has done to my credit and my quality of life. \nThis caused me to lose financing, and embarrassment, even though I have a perfect credit history of credit reports from over 20 creditors and accounts on my credit report and not one single account has ever had a late payment. I have a stellar fico rating with XXXX, the highest achievement possible in credit reporting. \nFalsifiedinformationn to the federal government. Providing false and misleading information by responding to complaints via the Consumer Finance Protection Board, a federal entity engaged in monitoring and administering complaints about the Fair Credit Reporting Act and complaints between consumers and the credit bureaus, and complaints between consumers and creditors. \nI filed XXXX disputes against XXXX XXXX XXXX XXXX in various efforts to correct inaccurate or not validated information being reported to the credit bureaus and until XX/XX/XXXX, according to themselves, anything before this date would be bogus, deceptive, lies, cheating, criminal, and most of all appalling that Novant Hosptial and XXXX, XXXX XXXX had not supervised a contract HIPPA covered entities like this better to protect my rights and now my mental health with the XXXX  they have caused me over the lengthy time dealing with this. Every single complaint and dispute regarding the validation of these XXXX accounts has proven to be valid and this company should have been removed from my credit file years ago. \nPossibly all XXXX times, but several times have XXXX XXXX XXXX XXXX knowingly with intent after several disputes, perjure themselves and falsify documentation to the federal government via CFPB web portal. \nFailed to, after 30 days of my initial dispute of validation, removed themselves from my credit file but they lied, and knowingly did not possess validation documentation and every encounter with them since has been deceptive and illegal. \nProven a track record of rogue deceptive behavior in their collections with these two accounts. \nThis caused me to have hours, days, and months involved each day in dealing with, writing, responding to complaints and disputes, reading, and learning federal and state laws regarding collections agencies and the Fair Credit Reporting Act, and HIPPA regulations. \n\nXXXX XXXX XXXX has broken several state and federal laws and have Perjured itself multiple times since it began its efforts to collect these two medical debts from me stemming back several years as discussed above. I have proof of every claim and documentation. \n\nI have filed disputes with : a. CFPB ( Consumer Finance Protection Board ) b. FTC ( Federal Trade Commission ) c. The Attorney General 's office of North Carolina XXXX \nd. Equifax, XXXX, and XXXX credit agencies XXXX XXXX XXXX through the respective outlets listed. \n\nI have not received any helpful information from any of these parties but my statement of facts and proof of evidence was not submitted as I was still investigating these reports by XXXX XXXX XXXX XXXX. \n\nThis report is being finalized and I will be submitting this to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX for their input as to rectifying this series of events. I possibly will file this with public media outlets that are to be determined. I am going to extend to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and Novant Hosptial the opportunity of rectifying what I have disclosed and if I am not satisfied with their response I will turn this over to a staff of attorneys, that specializes in Federal and State laws, HIPPA, and the Fair Credit Reporting Act that have shown great interest in these events. \nI would ask that all credit bureaus remove this bogus company from my credit files immediately. \nIn recap, I have requested validation of these accounts multiple times from all credit bureaus and XXXX XXXX XXXX and you have all failed. \n\nXXXX, XXXX XXXX has received these complaints about XXXX XXXX XXXX XXXX, who originally owned these two medical debts and passed them on to XXXX XXXX XXXX XXXX, The collection agent for XXXX XXXX, XXXX, and have done nothing about it. \n\nBefore receiving a letter ( attached from XXXX XXXX XXXX ) mailed to me and received by me in XXXX of XXXX. Nobody would listen to me. \n\nThis letter mailed to me by XXXX shows that and proves that XXXX XXXX XXXX has never properly or honestly validated these medical debts with the credit bureaus after each dispute that I have filed with each credit bureau and shows gross negligence by each credit bureau that accepted XXXX XXXX XXXX validation of these medical debts during a period that no validation documentation existed and for failure to investigate my claims of validation multiple times. \n\nThis letter attached shows by their own account, that they never had any validation documentation in their possession for these two accounts they have been reporting against me for years, until XXXX XXXX, AND, XXXX XXXX XXXX XXXX apparently and routinely broke the rules of engagement that they are required to abide by in contract with the credit bureaus ( Equifax, XXXX, and XXXX ), XXXX XXXX XXXX, knowing and maliciously, Failed to have the required validation documents for years and lied about it to the credit bureaus and me only recently in XXXX of XXXX admitted they then contacted their client XXXX XXXX, XXXX, and claimed they were told by XXXX XXXX, XXXX, that these two accounts were valid. \n\nThis is hearsay and secondly they then at that point mailed me a statement in their description of a form that violated my HIPPA protection and federal law violations. \n\nBefore XX/XX/XXXX, XXXX XXXX XXXX by their admission in that letter, indirectly admitted to just now ( XX/XX/XXXX ) contacted their client XXXX, XXXX XXXX, for their validation apparently, but before that, never maintained records of validation in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation. \n\nI have requested through disputes of validation of these two accounts from all three credit bureaus and XXXX  through disputes for 1. Honest and reliable validation supporting their even most basic right to collect these accounts against me, and to date have not received a proper response to the validation of these two accounts, and 1b. It has all been lies, deception, and possibly a conspiracy with the collection bureaus in their rebuttal to all of the disputes regarding validation of these two accounts, to me and the credit bureaus unless there is a conspiracy with the credit Bureaus and XXXX to continue to harm me for years even though no validation was ever-present in the first place, with the proof being by their admission in this letter, and 2. I, respectively, asked simply for Proof to these accounts were valid before I would pay them if they were determined to be valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX for never providing me the proper information for years and after pleading with them all to produce this validation requires by law, and 3b. For XXXX  in their providing of false and inaccurate data to the credit bureaus and me, directly violating my right to due process by not allowing me to engage in a valid collaboration of dispute with no possibility of an amicable or just resolution to the dispute, and 3c. For XXXX in falsifying their responses to the federal agency, CFPB, on their web platform that logs and administers complaints revolving around the fair credit reporting act, and 3d. And XXXX, XXXX XXXX, and XXXX  XXXX  should be found at fault for not supervising such events with a company they contract with ultimately allowing XXXX  to act as a rogue collection agency that operates with total disregard to federal and state laws, and 4. Knowingly knew about these complaints as they revived complaint copies of each dispute as they were filed, but never responded to, allowed an entirely to operate in affiliation with them, That not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX  called in that letter to me, and looks like a third grader prepared it in on their word processor, a document with the doctor 's names that performed services on me, which is illegal, they were only to provide to me the entity name of the original creditor, and 6. The document they sent to me even has the services section in clear view, but it was XXXXd out thank God!, But, 6a. Was A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce this validation because of my due diligence, and it gets even worse, 8. they made the worse and most careless mistake ever when they sent that letter and the enclosed statement that Violated my health information privacy rights protection. ( HIPPA ), and to make matters even worse, 9. They threatened me by referencing law that was in effect for me disputing their collection attempts and their reporting of me to the credit bureaus, and worse, attempted to coerce me by this referenced law that does not even exist, and 10. I an effort to shut myself up from disputing those two accounts because the big lies were coming to the surface I was and continue to be diligent in my investigations about my credit file being damaged for years by XXXX, and 11 And XXXX  were deceptive referencing a nonexisting law in their efforts to thwart me in my investigation endeavors and broke many many Laws, and federal rules, and 12. XXXX  has caused me to be sick the entire time. \n\n13. I asked anyone reading this, Why couldn't be honest and do the right thing?\n\n14. To add continued anxiety they continue even today, to engage in this same behavior by still reporting these two accounts against me, with no apologies for their wrongdoing and with no concern to even me or my health but most importantly ; state and federal laws. \n\nThank you for your time and assistance in this matter. I am Sincerely yours, XXXX XXXX XXXX","date_sent_to_company":"2022-10-20T04:16:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28411","tags":null,"has_narrative":true,"complaint_id":"6103570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-20T04:15:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Violated</em> Federal Law 15C by sending me collection <em>letters</em> with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts."]},"sort":[9.942744,"6103570"]},{"_index":"complaint-public-v1","_id":"3283094","_score":9.651279,"_source":{"product":"Debt collection","complaint_what_happened":"Directly from Santanders Financial Statements : Nonprime loans comprise 85 % of our portfolio as of XX/XX/2013. We record an allowance for loan losses to cover expected losses on our individually acquired retail installment contracts and other loans and receivables. For retail installment contracts we acquired in pools subsequent to their origination, we anticipate the expected credit losses at purchase and record income thereafter based on the expected effective yield, recording a provision for loan losses only if performance is worse than expected at purchase. \n\nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Santander Consumer USA ; are knowingly using multiple erroneous and unethical forms to deceive consumers. According to their statements, it seems they have frequently used forms like these in the regular course of business and I believe they are attempting to confuse consumers into believing that the statements they provide are true. It is simply an attempt of constructive fraud spanning multiple venues of business and government. Specifically, this is a violation of the Consumer Financial Protection Act in multiple forms. \n\nThe attempt to collect any debt via deceptive device or contrivance via creative practices, without any legitimate proof of an enforceable or valid contract in a means which is intended to mislead a reasonable consumer, should also be considered perjury and constructive fraud. The reason being is simple because these companies and their employees all have legal capacity. \n\nThe knowledge and willful presentation of false evidence pertaining to an unenforceable and unethical contract constitutes perjury and fraud and is a violation of the CFPA ( among many other laws ). These firms know the law and are required due diligence and required to observe the rules of evidence set forth by the courts, which they have clearly broken. \n\nWith that being said, I rebuke the false claims presented by Santander Consumer USA, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. We need not further address the deceptive prima facia style argument presented by XXXX XXXX XXXX because their submissions against me can not tie that Santander Consumer USAs and XXXX XXXX   statements are accurate, truthful and verifiable. If we read the statements, none of the documents are certified or original copies, and it is evident that the notary public has not verified the truthfulness and/or accuracy of the statements, but only that the person appearing before them at the time of signing, was the person who appeared before the notary public. \n\nI firmly believe we should investigate all angles of the statements and forgeries they have presented to the courts before we develop a judgement against anyone involved. It is my firm belief that XXXX XXXX XXXX has not performed any due diligence in verifying and validating the debt, and they are simply acting in their faulty and clueless regular course of business. Although they are required and claim to have knowledge of the law as a licensed attorney, it is evident that they have no idea how to do their job and/or they are blatantly lying. \n\nIt is not my intention to persecute XXXX XXXX XXXX, but simply defend myself from the accusations presented before me and do everything in my power to help protect others similarly situated from Santander Consumer USAs deceptive practices. \n\nMy basic understanding of this process is that this debt is not valid or enforceable. I am unaware of exactly what they are proposing because their statements are not balanced, verifiable or certified and I am simply stating my interpretation of the matters presented before me as I see it. \n\nMoving forward, Santander Consumer USA ( SC ) has been issued an order by DEDOJ that they are required to cease and desist in their deceptive practices to prevent future occurrences of similar financial and unethical damages to consumers. They have not attempted to fully restore damages or stop harassing consumers by closing/repurchasing the unenforceable pool of debts which they promised they would. \n\nSC knowingly sold these unenforceable deficiency balances/debts via a pool of accounts to XXXX XXXX, after destroying/misplacing any certifiable evidence to cover their transaction scandals and deception. They are still attempting to collect unenforceable debts on their manipulative Retail Installment Contracts ( RIC ) and will continue to further harass and damage consumers and our local judicial systems with their spamming threats, and brute force attacks. \n\nTheir unfair, manipulative, and deceptive processes that interfere with the Due Process Clause and freedom to contract laws protected by the 14th amendment are wasting considerable time and money considering the magnitude of their attempts to collect unenforceable debts based upon false pretenses and deceptive practices used to coerce misinformed and uneducated consumers into accepting the false claims offered in their Retail Installment Contract scheme. \n\nSantander has not heeded the warnings issued by a collaborative effort between the Delaware Department of Justice ( DEDOJ ) and the state of Massachusetts Attorneys General. By SCs failure to comply, they are knowingly and willingly violating the law by continuing to deceive and harass consumers across the United States. The unknowing consumer is constantly harassed and alienated by their unfair debt collection practices, usury, deception, lies, and creative accounting practices. They have failed to remediate their abusive RIC practices and restore relief to injured consumers. \n\nSCs deceptive sales tactics through their network of dealers have created a system of dealers who no longer sell cars. The dealer doesnt care which car you buy, just that the subprime borrower signs the RIC and they get their marked up spread on the contract. Their used car dealers and debt collectors employ a bait and switch and/or debt discount tactic to deceive consumers systematically, but this is only the beginning of the process. \n\nWhen the dealers are selling RICs from SC, they know there is a hidden XXXX fee and a predetermined GAP contract sale, the dealers intentionally do not disclose the XXXX service charge that SC set up with XXXX XXXX ( which illegally kicked back a significant portion of the service charge to SC ). \n\nSantander has also monopolized and seduced these dealerships through their deceptively generous contract spreads. It is evident that SC controls these dealers because they have multiple monopolized points of contact on every single RIC. If every RIC from their dealers is assigned to SC and has SCs GAP contract on it, then SCs XXXX fees should be disclosed, they are not. There are no other companies used in these solely Santander RICs. No competitive pricing for GAP insurance is ever disclosed or offered, and it is intentional. \n\nIn 2013, Santander knew that 50 % of the consumers that made up 85 % of their portfolio were expected to default. Thats estimated to be 425 out of 1000 consumer loans. With 850 estimated being subprime borrowers. Their network of dealers has also been caught reporting exaggerated incomes on behalf of consumers to get increasingly higher and impractical loan amounts. \n\nSC intentionally finances personal household use assets that roughly 425 out of 1000 consumers will never get to keep. Then, they repossess assets after the consumer defaults, sell the vehicle in a rigged private sale ( back to their network of dealers ) and pocket the instant cash. After this process is complete, they pawn the unjustifiable deficiency balance to a 3rd party debt collector to increase their liquidity. \n\nThe key parts of this creative accounting practice start with the planning phase, which is to ensure that most subprime RIC consumers will default. If they dont default, Santander is still receiving the state maximum interest rates amortized over the course of a 72-month contract ( or better, due to their deceptive deferred payment backup plan ), either way it is clearly a win/win for them. \n\nPart of the deceptive methods used by SC are : Hidden XXXX   fees ( intentionally not disclosed during the RIC sale and financing process ) NSF fees and late fees ( which are a great source of income from their subprime borrowers ) State maximum financing rates ( from incentivized dealers that do not disclose any other available rates ) Deferred payments ( that do not disclose principal balance and interest changing effects ) The profit spread ( bait and switch RICs to ensure that SCs network of deceptive dealers will claim SC is the only company that will provide financing for them, which is typically untrue. ) Santander Consumer USA and their network of dealers and debt collectors have lied to consumers from the formation of these unenforceable contracts. They are harassing consumers across the country by submitting these seemingly legitimate documents. They have legal capacity and are knowingly committing perjury by submitting deceptive statements and unenforceable contracts with legalese jargon in a seemingly legitimate presentation disguised as evidence to deceive a reasonable consumer or anyone viewing their documents. \n\nSince counterfeiting money is illegal, theyre basically counterfeiting assets and the valuation of assets to confuse consumers into giving cash to them, and then destroying the official/certified/verifiable documents in case they are investigated. \n\nSCs dealers are incentivized to sell intentionally marked-up GAP contracts, this process consumes nearly all the subprime borrowers down payment. Cha-ching, instant cash back to SC! Not if, but when the consumer falls behind on payments, they are offered a life-saving deferred payment option, which does not disclose principal balance changes and interest effects. If they can repossess the car before the GAP insurance is used, they receive a bigger cash payout. If not, the state maximum rate is still in effect and the auto-refinancing option that the dealer promised is no longer feasible. This leaves them multiple options and minimizes the chance of any financial loss on their behalf. The seemingly free money is then left on the table for their intended taking. \n\nThe next part of the process is the repossession, followed by harassing letters that intimidate confused consumers. Then, SC demands payment of the full balance on the entire account. \n\nAfter all these seemingly harmless events take place, the next step in SCs scheme is to underbook the value of the repossessed asset and sell it in a rigged private sale. The vehicles never make it to a public auction. The rigged private sales allow the repossessed asset to go right back into their incentivized network of RIC dealers and the process begins again. \n\nAfter Santander destroys their certifiable copies, they begin selling unverifiable and/or altered copies of the documents to their 3rd party debt collectors. Hence why all their original contracts are destroyed/missing, and their claims are all coincidentally and conveniently unverifiable. \nThis makes for an extremely attractive sale to XXXX XXXX and SCs network of third-party debt collectors because the deficiency debt is now overbooked, and the spread difference is conveniently tucked away in Santanders valuation surplus accounts. \n\nSC has not obeyed the cease and desist orders issued by the DEDOJ and are continuing to defraud consumers through this process. They have further violated their agreement with the courts, the DEDOJ, and Massachusetts Attorneys General through their current and  continuing actions. SC is still attacking confused consumers in every single state across the country. They have subverted the mandatory repurchase of their bogus and fraudulent deficiency balances and are continuing to bully and spam attack consumers and local courts across the United States. \n\nSantander Consumer USA and XXXX XXXX mutually and privately created a loophole program that pigeonholed and coerced their RIC consumers to use this illegal XXXX service. After the consumer used the XXXX, XXXX XXXX kicked back a significant portion of the service charge to Santander Consumer USA which they made significant profits from. They have been issued orders in multiple settlements to cease their deceptive and unlawful practices, collections and repossessions. It is evident here that this company willfully turns a blind eye to the reprimands of the judicial system and the welfare of American consumers who have been systematically lied to and believe they have nowhere else to go.","date_sent_to_company":"2019-06-21T22:05:49.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"20151","tags":"Servicemember","has_narrative":true,"complaint_id":"3283094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2019-06-21T21:52:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["They have <em>been</em> issued orders in <em>multiple</em> settlements to cease their deceptive and unlawful practices, collections and repossessions. It is evident here that this company willfully turns a blind eye to the reprimands of the judicial system and the welfare of American consumers who have <em>been</em> systematically lied to and believe they have nowhere else to go."]},"sort":[9.651279,"3283094"]},{"_index":"complaint-public-v1","_id":"13994097","_score":8.950045,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Open date of loan : XX/XX/XXXX Complaint Against : Capital One Auto Group/Kohls Capital One Credit Card Description of the Issues with Capital One Auto Group/Kohls Capital One Credit Card Violations noted below : 1 ) What Occurred/Issue # 1 : Unauthorized credit inquiries, hard checks on my credit report, specific dates documented ; have full documentation ( credit reports ) to support my claim, which I am prepared to provide upon request. Both done by Capital One Auto and Kohl 's Capital One Credit card company Violation # 1 : \" Fair Credit Reporting Act '' ( FCRA ). This law is designed to promote fairness and privacy of my information in the files of consumer reporting agencies. They were not obtained for a permissible purpose in which I had not initiated a transaction related to my existing account, and they also pulled my credit unauthorized as a \" hard inquiry '' multiple times without myself initiating any type of application, and without any other valid permissible purpose. They were essentially illegally accessing my private financial information. \n\nViolation # 2 : \" Permissable Purpose ''. The unauthorized hard credit checks were done by the same company in two separate divisions that handle both my auto loan and credit card. That significantly amplifies the violations, especially under MA law resulting in heightened FCRA violations and damages leading to a higher number of violations.\n\nViolation # 3 : \" Proof of Willfulness/Pattern : The fact that both divisions have been doing it strengthens my argument that it is not an isolated mistake, but potentially a systematic issue or a \" reckless disregard '' for FCRA compliance. This also indicates the possibility of \" willful noncompliance '' potentially leading to higher punitive damages. \n\nViolation # 4 : Compounding Harm : The multiple hard inquiries by the same company in two separate divisions ( Capital One Auto/Kohls Capital One Credit Card ) had an even more severe impact on my credit score. It led to higher actual damages debilitating my ability to seek any other alternative options such as auto refinancing etc. In conclusion the amplification of this matter is a two fold double activity.\n\n2 ) What Occurred/Issue # 2 : Not adhering to the fifteen day grace period for the whole period from XX/XX/XXXX to when I voluntarily surrendered the vehicle recently Capital One Auto Group did not comply with the original loan terms for one month since day one of the contract, every month I was considered past due at the end of the month, my payments and percentage rates increased, they would excessively call me if I was even one day overdue, I redundantly reminded them about the 15 day grace period, it was never comprehended or adhered to, and my credit score was impacted. Have full documentation and prepared to provide upon request.\n\nViolation # 1 : \" Breach of Contract ''. My auto loan was a legal contract. It outlined the terms and conditions, including the payment due dates, interest rates, and any grace periods for late payments which is a contractual allowance of extra time beyond the payment due date. These actions repeatedly and continuously repeatedly damaged my credit, APR, and monthly payments.\n\nViolation # 2 : \" Duty to furnish accurate information under the FCRA ''. Inaccurate Furnishings of information that requires the company to provide accurate information to credit bureaus. If I missed a payment on the due date for any month it was considered \" late '' and reported to the credit bureaus before the contractual grace period expired and before the customary 30 day reporting threshold of 30 days past the original due date. \n\nViolation # XXXX : \" Unfair or Deceptive Acts or Practices ''. What occurred strongly suggests unfair and deceptive practices. They were contractually obligated to honor the grace period in the contract and consistently failing to honor especially after multiple requests by myself is deceptive. This unfair practice caused repeated harm to my credit score, APRs, and monthly payments. After reviewing my total payment amounts towards the car itself and interest paid last month the interest paid gradually increasing throughout the course of time based on their actions ultimately concluding I had made more total payments in interest than in the vehicle itself. \n\nXXXX ) What Occurred/Issue # XXXX : Capital One has a history of aggressive, harassing, and excessive calling. When I did speak with that is what occurred with myself on a very frequent basis. When I did speak with them to try to compromise or have them understand what they were doing there was no accountability or responsibility for anything. It was always on me. When I did speak to them they were rude, I had to block them multiple times, and they still found a way to call me. They also called me more frequently on the weekends than during the week from observing all of the call records. I have all of the years, months, days, and times documented for every phone call if needed. \n\nViolation : Telephone Consumer Protection Act and Under Federal Law the Fair Debt Collection Practices Act. Specific FDCPA violations relating to this matter. \nViolation : Harassment or Abuse : This is the most direct violation for annoying phone calls. \n\nViolation : Unfair Debt Collection Practices. Repeated and Continuous Calls, Calling on the weekends during prohibited calling times, harassment or abuse. I also had the right to revoke consent asking them to stop calling me, blocking them multiple times after explaining my situation, and then continuing to find a way to call me. This indicates a violation of the telephone consumer protection act. NOTE : This company has a long standing history of class action lawsuits due to this and other violations. \n\nPossible Violation : \" Common Law Harrassment '' / '' Intentional Infliction of Emotional Distress '' : Despite this law being more extreme I had to make note of this and will express the fact that this all did cause XXXX XXXX XXXX XXXX XXXX and at times I really did feel like it was intentional despite being difficult to fully prove that I felt like their conduct was intentional and reckless. \n\nWhat Occurred/Issue # XXXX : On XX/XX/XXXX of XXXX Capital One reported an update regarding that as an issuer of the Kohls credit card that additional consumers had been identified as impacted by the breach and should receive letters about the incident. I found out about it on the class action website, inquired with them, and was informed that I was impacted by it. I was never notified by Capital One Kohl 's credit card and would have not known if I did not find out and inquire about it myself. They did not take or ensure proper steps to protect the information that was entrusted with their company. \n\nViolation by Kohl 's Capital One Credit Card : Violation # 1 : \" Massachusetts Data Breach Notification Law ''. I was not directly notified, especially given the Massachusetts Data Breach Notification Laws.\n\nI was not provided with : 1 ) The duty to notify residents. I was not given notice as soon as practical, there was not only a delay but no notification at all finding out myself, they were aware of the breach of security, and were aware that my personal information was acquired or used by an unauthorized person or used for an unlawful purpose. \n\n2 ) Violated my personal information : My full name could have been revealed as well as my social security number, driver 's license number, financial account number, medical information, other credit related information, and clearly falls under the definition of personal information triggering the notification requirement that never occurred.\n\nHow has this all impacted me : 1 ) The delayed mitigation not being promptly notified of the data breach : Not only was it delayed it was more than delayed having to notify and find out myself of what occurred. I was completely unaware that my information was compromised, if I was informed I could have taken immediate and necessary protective measures such checking my credit history, being offered credit monitoring services if I was informed, change passwords, or take any other prompt protective measures. If I had not found out myself it would have significantly increased my identity vulnerability and risk of harm. \n\nXXXX ) Emotional Distress and Time Spent : The discovery that my information was exposed while unlawfully not being notified in addition to my discovery that my information was exposed caused significant emotional distress, XXXX, and have been feeling more than violated not only due to this matter but the multiple prior matters in this letter. Words can't describe the overall impact all of this has had in every avenue of my life.\n\n3 ) This also led to the loss of opportunity to proactively protect my private information and if they had complied with MA law and notified me in a timely manner I would have been able to proactively do so. I was never offered any protection services let alone not being notified at all. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also a victim of the XXXX XXXX XXXX breach a couple years ago, lost my XXXX XXXX  never received any type of support for my billing lost medical claims, other breaches have compiled since then, and have not recovered since. This just added to the XXXX XXXX XXXX and stress that I have experienced on a consistent basis since then and this situation made it even worse. \n\nXXXX ) Out of pocket costs : In addition to having to make higher car and credit card payments due to the prior occurrences noted in this letter in addition to this data breach I have no definitive number of how much additional costs have come out of my pocket but am aware of the amount of additional money I made in car and credit card payments due to what has been noted. \n\nXXXX ) What Occurred/Issue # 4 : I was not properly informed of the repossession per MA General Laws Chapter 255B, section 20 ( The Right to Cure Default Statute ) Violation # XXXX ) I was never given a clear opportunity to have repossession prevented, they failed to properly inform me prior to me surrendering the vehicle, and there was a lack of proper notice before potential repossession was threatened or implied. \n\nViolation # 2 ) Condition Precedent to Repossession : They can not repossess the vehicle or accelerate the maturity of the loan/meaning demand the full amount immediately unless they first sent me a very specific notice. That never happened. \n\nViolation # XXXX ) \" Required Title '' : I never received notice titled \" rights of defaulting buyer under the MA Motor Vehicle Installment Sales Act '' / '' Notice of right to cure ''. I was never sent this and was not informed or ensured that I fully understood the seriousness of my rights. \n\nViolation # 4 ) I was never given notice of the nature of the default, the specific missed payments, the exact amount necessary to cure the default, the specific dates in which any amount was to be paid, and was never given notice that if an amount was not paid by that date that they could repossess the vehicle. Nothing in that nature was ever received via regular mail, registered, or certified mail.\n\nIn conclusion, there is strong evidence to conclude that they did not meet any of the strict requirements indicating a violation of M.G.L c. 255B, 20A.\n\nViolation # 5 ) \" Failing to provide a legally mandated pre repossession notice ''. Violation of MA Consumer Protection Act : Capital One Auto failed to provide the legally mandated pre possession notice. A lender 's failure to comply with the requirement is considered an \" unfair and deceptive act or practice '' under Chapter 93A. \n\nConsequences of the Violations : Loss of Deficiency Balance. There was no proper 21 day \" right to cure '' notice as required by MA, Capital One should be held accountable for the deficiency balance, and they should not have any right to collect any deficiency balance from myself. \n\nRights Violated as a Consumer : Even with my voluntary surrender I honestly felt like I was more threatened than repossession, they made it seem inevitable, they hadn't sent the proper M.G.L c. 255B, 20 A notice, and strongly believe should be treated as an unlawful repossession.\n\nThe actual damages that occurred with myself : There is evidence to conclude that Capital One Auto 's violation was willful and knowing ignoring a the clear statutory requirement and if anything the amount of damages that occurred with myself and led to more actual damages to myself due to the multiple consumer laws that were broken by Capital One Auto and Kohl 's Capital One Credit Card Company. \n\nThe situation I am dealing with now : In addition to everything I have explained, in addition the negative remarks related to the repossession of my car are based on multiple unlawful acts by Capital One. \n\nAll of this lack of proper information contributed to me feeling compelled to surrender the vehicle and more than prevented me from exercising my legal right to cure the default. There were also other companies XXXX XXXX XXXX XXXX XXXX who engaged in unfair and deceptive practices and also contributed to the recent surrendering of the vehicle in which you will likely be hearing about in the near future. \n\nThey were all major contributors to the condition of the car when it was voluntarily surrendered because I am sure you will be informed of the condition of the car. Briefly to explain when I was moving out of my apartment in the end of XXXX I shut the trunk door and the window shattered pretty much on me, XXXX XXXX claimed I did not have full comprehensive coverage when I did, and I found out the windows were recalled years ago due to breaking easily with XXXX XXXX with the specific year, make, and model of my XXXX XXXX XXXX due to being poorly calibrated. \n\nI had to drive to PA to my Father 's due to having to move out of my apartment with an artificial rear windshield and on the way to my Father 's the front windshield got pebbled when going to visit my Father in PA ultimately not being able to drive the car due to the other two companies above. Also the interior got damaged from an interior restoration company who did a horrible job restoring the car after I attempted to superglue the front calibrated computer unit that was constantly falling down. The superglue leaked into the middle console, hired a company to restore, and made it worse. Not very good luck with the car period. \n\nI had made multiple claims to XXXX and they did nothing. There was also a recall on my fuel injection, they made appointments for me to come into their shop, I constantly told them I could n't drive the car, and they didn't comprehend. You will be hearing about these other XXXXwo companies in the near future. Words can't describe how much of an overall toll this has taken on me. But regardless, I hope you get a better understanding of my side of the story and a bigger picture. \n\nDue to all of the occurrences in this letter Capital One Ultimately filed to repossess the car from me, and these violations specifically their failure to accurately disclose fees as required by the Truth in Lending Act and their persistent harassment regarding payments that were already disputed created an untenable financial burden that directly impaired my ability to continue making timely payments. \n\nDespite my best efforts to keep up with everything before being fully aware of the unlawful practices I attempted to resolve these discrepancies and work on a solution with them multiple times and honestly felt like I was being punished, harrassed, or not compromised with every single time. The cumulative impact of their non compliance left me with no viable option but to surrender the vehicle to mitigate further damages. \n\nIt was only after their actions in addition to the other two companies XXXX XXXX XXXX XXXX XXXX where it came to the specific point where it made it impossible for me to continue as Capital One refused to acknowledge my disputes regarding their excessive charges or their illegal collection practices that began to impact me significantly. I was forced to conclude that continuing the financed loan was unsustainable due to their unlawful conduct. \n\nI would like to be unequivocally clear that I did not wish to surrender this vehicle. This action was taken under duress, as a direct consequence of Capital One Auto/Kohls Capital One egregious and unlawful behaviors. I firmly believe that their actions are the sole reason for this unfortunate outcome. \n\nThank you for taking the time to read this letter. Sometime in the near future you will be receiving the information on XXXX XXXX and XXXX XXXX, their unlawful and deceptive practices, and feel free to contact me if you have any questions. \n\nRegards, XXXX XXXX","date_sent_to_company":"2025-06-10T20:42:50.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"020XX","tags":null,"has_narrative":true,"complaint_id":"13994097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-10T20:00:01.000Z","state":"MA","company_public_response":null,"sub_issue":"Damage caused or loss of personal items in vehicle during the actual repossession"},"highlight":{"complaint_what_happened":["XXXX ) Emotional Distress and <em>Time</em> Spent : The discovery that my information was exposed while unlawfully not being notified in addition to my discovery that my information was exposed caused significant emotional distress, XXXX, and have <em>been</em> feeling more than <em>violated</em> not only due to this matter but the <em>multiple</em> prior matters in this letter."]},"sort":[8.950045,"13994097"]},{"_index":"complaint-public-v1","_id":"6899879","_score":8.164501,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2023, I filed CFPB complaint # XXXX, in which I alleged retaliation against me by Capital One for my raising concerns and allegations of unfair, deceptive and abusive practices related to graduating my secured Platinum to an unsecured credit card. I also filed this same complaint with the Office of the Comptroller of the Currency on XX/XX/XXXX. In this complaint, I also expressed concerns and made allegations of abuse and retaliation against me by their agents, XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ). On XX/XX/XXXX, I received a call from XXXX, Principal Complaints Coordinator at Capital One ( Capital One employee ID # XXXX ), who called me at XXXX XXXX. PST on a recorded line, when I was living in XXXX -- and also the address listed on my account -- and on Pacific Standard Time. I have attached the XXXX call logs from my phone number, showing that XXXX XXXX XXXX to me at XXXX XXXX  was illegally made outside the hours at which a financial institution may not call me before XXXX XXXX. local time to the address on the account. As noted, and as was said on the recorded call, XXXX violated the law and called me at XXXX XXXX. local time from an XXXX area code. I informed XXXX of this violation on the call. On this call with XXXX, we discussed the behavior from agents XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ), and I alleged retaliation by Capital One for restricting my accounts on XX/XX/XXXX, after only a week prior to this, I had filed a complaints alleging unfair, deceptive, abusive and unlawful practices with my Capital One Platinum secured credit card. I also expressed concerns that XXXX had told lies on my call with her and she made a threat of retaliation to re-restrict my accounts after I became frustrated and dissatisfied with her behavior. XXXX then read to me the transcripts of the calls with XXXX and XXXX, and he agreed that the call from XXXX could have been handled better. Regarding the call with XXXX, he agreed that she did, in fact, lie on that call -- she said I called her XXXX XXXX ' but as XXXX read the call transcript to me, he said on multiple occasions that I did not say that at all. Instead, as XXXX read back to me, I asked of myself : \" How XXXX do you think I am? '' XXXX agreed to forward both of these calls, along with his findings and the call transcripts, to the next level above him : Capital One 's XXXX XXXX XXXX. XXXX stated that he believed that particularly my call with XXXX warranted an internal review for the way I was treated. I asked XXXX, still on the recorded line, if I had done anything abusive or anything that warranted Capital One closing my accounts for my conduct, and he assured me -- on the recorded call -- that no, I was not abusive toward any of the agents. Also on this recorded call, XXXX told me that Capital One policy is that if a customer is abusive or uses foul language, company policy is to send a warning letter to the customer prior to any credit revocation or fore-closing of accounts. I have received no such thing. On the morning of XX/XX/XXXX, I learned, by way of looking at XXXX XXXX that my Capital One accounts had been closed. Capital One intentionally, knowingly and falsely reported that all three credit card accounts were closed on XX/XX/2023. This date of closure is knowingly, intentionally and deliberately false and inaccurate ; Capital One, again, reported this false data in retaliation for my continued, legitimate complaints against them, their business practices and their agents ' conduct. I have attached a screen shot of the information showing the accounts were falsely and inaccurately reported as closed on XX/XX/XXXX. I have also included the most recent credit card statement for my XXXX XXXX account ending in XXXX, which very clearly shows that charges were made on, and posted to, the account on and after XX/XX/XXXX, when Capital One alleges the accounts were closed. Also on XX/XX/XXXX, I spoke to a Capital One representative, a Fraud and Disputes Supervisor named XXXX ( Capital One employee ID # XXXX ), who refused to verbally tell me why my accounts were closed ; he told me it was against company policy to tell me that information and that I had to wait for a letter in the main. Again, I expressed to XXXX my assertion that Capital One was retaliating against me. XXXX never once acknowledged this or took action when he was told, many times on the call, that I believe Capital One is engaging in business practices that violate the law and my rights as a consumer. I then called back and spoke to XXXX ( Capital One employee ID # XXXX ) a supervisor in the Escalations Department. XXXX verbally shared with me that all my Capital One credit card accounts were closed due to my abusive behavior on a call that took place on XX/XX/XXXX. I advised XXXX that the only call I had to or from Capital One that day was from XXXX, the Principal Complaints Coordinator who is mentioned in this complaint. I asked XXXX if it was possible that there was a mix-up between XXXX filing a complaint on my behalf for the threatening and abusive call I had with XXXX on XX/XX/XXXX. XXXX agreed to look into it and placed me on hold. When she returned to the call, she was unable to tell me the exact details of the allegedly abusive call that Capital One claims occurred that triggered the force-closing of all my accounts When I pressed XXXX for more detail, again alleging that Capital One is engaging in illegal business practices and retaliation, she refused to answer any more of my questions and began threatening to disconnect the call. When I told XXXX I had more questions, she refused to address them and once again, on a recorded line, threatened to disconnect the call -- and she did for no valid reason. I have a mountain of evidence to substantiate my claims, concerns, assertions and allegations that Capital One has abused me, treated me unfairly, deliberately stated lies on recorded phone calls, broken their company policies -- particularly the policy that XXXX quoted to me on receiving warning letters prior to force-closing accounts if Capital One alleges abusive behavior by a customer, recorded threats of retaliation by XXXX, falsifying data that has already been reported to the credit bureaus, and retaliating against me by closing all my accounts because I blew the whistle and spoke up about the illegal, threatening, retaliatory actions and behavior exhibited by Capital One and its employees. I am fully prepared to take this case before a court of law if Capital One does not wish to resolve this amicably and with a mutually agreeable resolution -- and the evidence I have amassed more than substantiates my claims. Capital One has also caused harm to my credit score and credit file, and I have suffered credit and financial losses as a direct result of Capital One force-closing my accounts. I am also concerned and worried that Capital One has collected my sensitive, private and confidential information, including bank statements with full account numbers, when I was asked to provide them all this info and data on XX/XX/XXXX. It's worth noting that any time I file any type of complaint against Capital One -- whether internally or with regulatory bodies -- my accounts immediately and suspiciously become restricted and labeled as \" fraud, '' yet Capital One never once substantiates their claims of fraud. I believe that Capital One is intentionally and knowingly attempting to intimidate and silence me -- and possibly other customers -- from coming forward with legitimate complaints and allegations, by making any rectifying difficult, cumbersome and impossible. Again, I am fully willing and prepared to bring suit against Capital One in a court of law if we can not reach a mutually agreeable solution to my issues. In summary, Capital One is brazenly attempting to steamroll and bulldoze customers who they believe won't fight back, and I am not the type of person ; I will pursue this to the fullest extent of the law and seek all civil, criminal and other penalties for the financial and emotional harm Capital One has inflicted upon me.","date_sent_to_company":"2023-04-27T20:03:07.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"6899879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-27T13:51:58.000Z","state":"MN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["As noted, and as was said on the recorded call, XXXX <em>violated</em> the law and called me at XXXX XXXX. local <em>time</em> from an XXXX area code. I informed XXXX of this <em>violation</em> on the call."]},"sort":[8.164501,"6899879"]},{"_index":"complaint-public-v1","_id":"14795445","_score":7.2014394,"_source":{"product":"Mortgage","complaint_what_happened":"Please see the attached Qualified Written Request ( QWR ) submitted on XX/XX/XXXX, which provides a detailed 8-month timeline, internal call admissions, supporting exhibits, and citations of federal and state law violations, including but not limited to : XXXX Consent Judgment ( Civil Action No. XXXX ) XXXX CFPB Enforcement Action RESPA , TILA , FDCPA, FCRA, UDAAP, Arizona Consumer Fraud Act Since acquiring my mortgage from XXXX XXXX  on XX/XX/XXXX, Mr. Cooper has engaged in systemic and intentional misconduct that mirrors violations they were previously sanctioned forincluding dual tracking, modification misapplication, and failure to respond to borrower disputes. This conduct violates multiple provisions of the active XXXX Consent Order, which Mr. Cooper is still under.\n\nDespite being notified by XXXX via a Loan Transfer Statement dated XX/XX/XXXX that my account was under an active executed XXXX Flex Modification, Mr. Cooper : - Onboarded the loan incorrectly using a hybrid of pre- and post-modification terms - Omitted the capitalized escrow balance of {$7500.00} and fee waivers of {$1400.00} - Issued a false escrow analysis ( XX/XX/XXXX ) that inflated my monthly payment to {$3400.00} - Treated the loan as delinquent and initiated foreclosure based on these false figures - Ignored internal records showing modification acceptance - Issued a false denial letter on XX/XX/XXXX refuting their own call transcripts and records - Failed to meet RESPA deadlines, SPOC requirements, and QWR response timelines Specific Violations and Errors ( Documented in QWR ) * * Failure to Apply Full Modification Terms effective XX/XX/XXXX * * Capitalized escrow balance of {$7500.00} was ignored * * False escrow analysis inflated monthly payment to {$3400.00} ( XX/XX/XXXX ) * * Initiated foreclosure on XX/XX/XXXX despite XX/XX/XXXX call promise to correct account * * Multiple RESPA violations : 2 Notices of Error received no timely response, and no notice of 15-day extensions was provided * * Failure to maintain compliant SPOC, despite repeated assignments * * Conflicting and misleading communications regarding modification status * * Mishandled insurance refund and overcharged PMI based on inflated balance * * Deceptive modification solicitations were sent while ignoring the actual modification * * Inaccurate credit reporting while the loan was under dispute * * Ignored internal call escalations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX * * Filed foreclosure based on known servicing errors * * Issued a denial letter ( XX/XX/XXXX ) that contradicted call records and internal notes * * Violation of Consent Judgment especially provisions on dual tracking, escrow, SPOC, and accurate modification implementation * * * * Current Status & Inaccurate Reinstatement Demand ( as of XX/XX/XXXX ) : Based on XXXX XXXX inflated and unlawful accounting, they are demanding a reinstatement amount of {$25000.00}, when the accurate reinstatement figure is only {$11000.00}.\n\nOvercharge : {$13000.00} Breakdown of discrepancies includes : - Escrow Overcharge : {$890.00} - Improper Late & NSF Fees : {$240.00} - Improper Anticipated Fees : {$1100.00} - False Delinquent Balance : Overstated by {$10000.00} These charges are not just incorrect they are fabricated from the servicers own admitted and acknowledged onboarding errors since my first contact with Mr. Cooper XX/XX/XXXX. \n\n* * Summary of Communications & REPSA Acknowledgment Letters Since the date of servicing transfer, the borrower has made repeated good-faith efforts to resolve material errors through formal calls, complaint submissions, and written Notices of Error. Despite Mr. Cooper 's repeated acknowledgments of serious violationsincluding escrow miscalculations, modification misapplication, and unlawful foreclosure filingsno corrective actions were ever taken. Instead, the borrower was subjected to an extended pattern of misrepresentations, broken promises, and systemic misconduct. \n\nThis section outlines a detailed chronology of borrower communications and XXXX XXXX repeated violations of Regulation X, including failures to issue timely RESPA acknowledgment letters, misrouting of modification documents, and dual tracking behavior.\n\nTimeline of Communications & Misconduct XXXX. XX/XX/XXXX Initial Escalation Call ( 43 min ) Borrower formally raised account-level errors and violations during this call.\n\nMr. Cooper ( agent and escalations manager ) acknowledged onboarding errors and waived a {$1400.00} XXXX late fee, confirming internal awareness of missed modification terms. \n\nPromised corrected escrow analysis and loan statement within two weeks.\n\nNo SPOC was mentioned.\n\nNo RESPA acknowledgment letter was issued.\n\nCritically, Mr. Cooper failed to disclose that the executed modification agreement had not yet been received from XXXX omission that deprived the borrower of the opportunity to correct the issue. \n\nThe borrower reasonably relied on the servicers assurances, delaying further escalation in reliance upon promised correction.\n\nViolation of 12 C.F.R. 1024.35 & 1024.40 XXXX. XX/XX/XXXX Second Escalation Call ( 90 min ) Borrower exhaustively explained account issues again, and claimed several regulatory violations related to the account errors.\n\nMr. Cooper again acknowledged servicing errors and promised resolution.\n\nAgent specifically stated We Mr. Cooper have issues with onboarding our loans correctly.\n\nAgent and escalations manager confirmed misrouted modification from previous XX/XX/XXXX call. Agen committed to resolving the account errors and issuing a corrected loan statement and escrow analysis.\n\nAgent provided address to send XXXX XXXX  refund check, which later proved to be an incorrect address ( see section Homeowners Insurance Refund Mishandling ) Agent confirmed sending modification to a formal modification department for review ( later proved this agent sent the modification to the wrong department, and no one did anything to reroute to the correct dept. ) No SPOC mentioned.\n\nNo RESPA acknowledgment issued.\n\nMr. Cooper withheld material information regarding the still-missing executed modification.\n\nRepeat violations of 12 C.F.R. 1024.35 ( b ), deceptive servicing conduct ( UDAP ) XXXX. XX/XX/XXXX Third Escalation Call ( 56 min ) Again, borrower exhaustively explained account issues, expressing emotional distress over continued mishandling and lack of resolution.\n\nBorrower claimed several regulatory violations related to the account errors.\n\nAgent admitted prior correction request on XX/XX/XXXX call was misroutedthe modification was sent to the wrong modification department. Resulting in the modification sat idle for 28 days ( no one rerouted the modification to the correct department, therefore nothing was followed through from previous escalations phone callagain ).\n\nBorrower demanded priority handling due to months of mishandling and delay, expressing extreme frustration with Mr. Coopers behavior and stating several related regulatory violations.\n\nMr. Cooper agent refused to prioritize review, stating it would take 3+ weeks for the modification review, and thats all they could offer.\n\nNo SPOC mentioned.\n\nNo RESPA acknowledgment was issued.\n\nServicing failure compounded by systemic control breakdowns XXXX. XX/XX/XXXX Phone Call ( 46 min ) Again, borrower exhaustively explained account issues, expressing emotional distress over continued mishandling and lack of resolution, and addressed several regulatory violations compounding.\n\nBorrower is clearly speaking with a defeated tone and belief that Mr. Cooper is unable or willing to fix their internal errors impacting the borrower.\n\nBorrower addressed Mr. Coopers receipt of the Homeowners Insurance refund check and asked Agent why the refund check was uploaded into Mr. Coopers Insurance Claim portal.\n\nAgent stated that there was no record of the insurance refund check being received by Mr. Cooper. Borrower stated that was impossible because they were looking at the Cooper Insurance Portal real time with the check information uploaded as Claim Tracking Number # XXXX. \n\nAgent still could not find record of the check but stated they would investigate this including the account modification review.\n\nConflicting statements revealed systemic communication failure.\n\nNo SPOC mentioned.\n\nNo RESPA acknowledgment was issued.\n\nServicer continued to operate with no meaningful internal accountability XXXX. XX/XX/XXXX Key Recorded Call ( 110 min ) ( Agent XXXX XXXX ) Transcript & Flash Drive with recording available Again, borrower exhaustively explained account issues, expressing emotional distress over continued mishandling and lack of resolution, and addressed several regulatory violations compounding.\n\nAgent admitted the executed modification was not received from XXXX until XX/XX/XXXX. This was the first time borrower heard that Mr. Cooper was even missing a XXXX signature. \n\nAgent and escalations manager stated that the account was correct and there were no active errors on the account. The amounts showing due and documents were all accurate.\n\nBorrower stated that the account was in fact NOT correct, and the full terms of the modification still had not been applied, like adjusting the negative escrow carry-forward at the time of onboarding.\n\nFor over an hour the Agent and escalations manager provided reason after reason that the account was correct, and the reasons were literally like someone pulling XXXX out of a hat and throwing it at the wall. Basic 101 servicing standards and accounting were being dismissed, the borrower was being gaslit, and flat out being told they were wrong.\n\nBorrower exhaustively went back through every document from the beginning to promote understanding that seemed so simple and clear, and finally the Mr. Cooper agent and manager confirmed the loan was in fact still WRONG and mishandled from onboarding, acknowledging the errors that have persisted for months.\n\nThe Agent promised resolution by XX/XX/XXXX and stated this would be the dead last date for correction to the account. Agent said the loan accounting errors would be updated, they submitted to have a new escrow analysis rerun, and the loan statements corrected from XXXX to current date, and assured foreclosure would be canceled.\n\nAgent then addressed the borrowers concerns about the homeowners insurance refund mishandling. The agent admitted that prior Mr. Cooper agents gave inaccurate information and directed borrower to deposit refund check into their personal account and use as discretionary funds, that Mr. Cooper did not need to endorse the check. ( See Section Homeowners Insurance Refund Mishandling ) Agent stated it would be smart to hold payments until the account resolution was in effect.\n\nAgent promised to handle the resolution and keep an eye on the account and promised to follow up with the borrower including a voicemail if borrower was unable to answer.\n\nAgent advised to watch the online account for the updates. Borrower felt maybe this time they were finally heard, and the account would see resolution.\n\nNo promised follow-up or voicemail occurred from the agent, XXXX XXXX . No corrective actions occurred.\n\nDirect evidence of dual tracking and material misrepresentation XXXX. XX/XX/XXXX Unlawful Foreclosure Filed Mr. Cooper filed foreclosure despite explicit promises to cancel on XX/XX/XXXX call.\n\nBorrower discovered foreclosure filing via third-party individual solicitations to buy home, not from the servicer. This caused profound distress and exacerbating emotional harm.\n\nFiling contradicted all prior assurances and deepened borrowers emotional and financial harm Violation of dual tracking prohibitions, UDAP, and due process Since Foreclosure filing, borrower and co-borrower has received hundreds of solicitations from 3rd parties to purchase of the home or offer modifications via text, email, people showing up at the home consistently making offers to purchase the home in foreclosure.\n\nIn response to learning of the foreclosure filing, borrower had a complete emotional melt down because Mr. Cooper filed an unlawful foreclosure after countless promises to fix their internal errors on the account since XX/XX/XXXX. The borrowers health declined significantly after this and realized this was a hopeless situation and just how vile, deceptive, abusive, and incompetent Mr. Cooper was. \nXXXX. XX/XX/XXXX Follow-Up Call Post Foreclosure Filing Borrower followed up after promised XX/XX/XXXX failed resolution from XX/XX/XXXX call. \n\nAgent was unfamiliar with the file and offered no resolution. Dismissed borrowers concerns and distress of the account being wrong. Agent stated it was simply filed foreclosure due to borrowers failed payments. Agent refused to see further than the surface level, and borrower lost temper toward the end yelling and hung up in tears.\n\nClear example of continuity failure and willful non-responsiveness XXXX. XX/XX/XXXX Borrower Submits Formal Complaint via Mr. Cooper Chat Feature Borrower filed a formal Notification of Error via Mr. Coopers online complaints chat platform.\n\nDetailed the servicers errors, unlawful foreclosure, prior misrepresentations, and emotional harm.\n\nCompliant submission process was undermined by ensuing actions XXXX. XX/XX/XXXX - Mr. Cooper Complaints Responds, Blocks Chat Feature Access Complaints team stated due to the nature of the complaint it was referred to the Research Team. With a contact email XXXX. \n\nMr. Cooper further blocked the borrowers access to complaints platform chat feature after their referral to the research team, preventing future tracking.\n\nBorrower evidence screenshot showing Not Eligible for Chat after the date of the complaint team response.\n\nRetaliatory behavior and transparency evasion XXXX. Email Escalation to Research Team ( XXXX ) The following summarizes an email exchange between the borrower and Mr. Cooper 's Research Team ( XXXX ) following a referral from the Complaints team. This correspondence underscores Mr. Coopers inadequate accountability, lack of clear escalation procedures, and operational dysfunction, resulting in compounding confusion and negatively impacting the customer. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX Borrower to Research Team Borrower sent an email to the Research Team, noting the referral from the Complaints team. The email included a comprehensive summary of unresolved account errors, regulatory violations, and a demand for prompt resolution. \n\nXXXX XX/XX/XXXX XXXX XXXX Research Team Response The Research Team replied, stating, \" Due to the nature of the inquiry, it has been forwarded to the appropriate team for review. '' No specific contact information or details about the \" appropriate team '' were provided. \n\nXXXX XX/XX/XXXX XXXXXXXX XXXX Borrower Follow-Up to Research Team Borrower responded, requesting clarification on the identity of the \" appropriate team '' mentioned previously.\n\nThe email emphasized frustration over the ongoing unresolved account issues and highlighted Mr. Cooper 's internal process failures dating back to XXXX. \n\nXXXX XX/XX/XXXX XXXX XXXX Research Team Clarification The Research Team confirmed the inquiry had been forwarded to the Customer Relations Group.\n\nThey indicated that an acknowledgment letter would be sent to the borrower within five business days. \n\nXXXX. Formal Acknowledgment ( RESPA ) Letters A Pattern of Non-Responsiveness Following the communications outlined above ( since Mr. Cooper took over servicing and the borrower began escalating the account errors in XX/XX/XXXX ), Mr. Cooper issued only three formal RESPA acknowledgment lettersall committing to provide resolution within 30 business days or an additional 15 with written notice. In every case, the servicer either missed the deadline or failed to provide an accurate, legally compliant response.\n\nThese repeated RESPA violations demonstrate a clear and deliberate pattern of non-responsiveness, procedural bad faith, and systemic avoidance of accountability. Mr. Coopers silence following formal acknowledgmentsespecially while continuing foreclosure proceedingsserves as clear evidence of dual tracking and deceptive servicing conduct. \n\nXX/XX/XXXX First RESPA Acknowledgment Letter Research Reference # XXXX  Related to borrowers XX/XX/XXXX call ( Notice of Error ) No specific contact listed other than the Mr. Cooper front-line customer service phone # No response or written extension was ever received by XX/XX/XXXX XX/XX/XXXX Second RESPA Acknowledgment Letter Research Reference # XXXX Related to borrowers XX/XX/XXXX, complaint submitted Contact lists Research Team email and Mr. Cooper front-line customer service phone # no contact names provided No response or written extension was ever received by the 30-business-day deadline XX/XX/XXXX Third Acknowledgment Letter ( issued same day as previous letter, but new ref # ) Research Reference # XXXX Related to borrowers XX/XX/XXXX, email escalation. Mr. Cooper filed letter in online account as Complaints Acknowledgment Letter No specific contact listed other than the Mr. Cooper front-line customer service phone # Promised formal resolution by XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  This third letter ( # XXXX ) resulted in a formal resolution issued XX/XX/XXXX, which still failed to address the borrowers core complaints, repeated known errors, and doubled down on misrepresentations that Mr. Cooper had already admitted were false. This letterreviewed in detail in Section M belowstands as written confirmation of Mr. Coopers intent to deny wrongdoing, avoid accountability, and perpetuate servicing misconduct. \n\nXXXX. XX/XX/XXXX Formal Notice to Trustee ( XXXX XXXX XXXX ) Borrower issued formal demand for foreclosure cancellation based on wrongful servicing.\n\nIncluded detailed documentation of servicing misconduct and Mr. Cooper 's admissions.\n\nNo response received from the Trustee, despite being placed on notice.\n\nThis notice represents a formal attempt to halt the foreclosure proceedings and notifies the trustee of the alleged misconduct by Mr. Cooper. The notice explicitly connects the specific grievances to broader patterns of servicing failures documented in prior legal actions against Mr. Cooper.\n\nTrustee may bear liability for proceeding with unlawful foreclosure after receiving formal dispute XXXX. XX/XX/XXXX - Co-borrower, XXXX XXXX, filed multiple complaints and notices My co-borrower, XXXX XXXX, submitted the following complaints and notices via certified mail and/or official electronic channels to the following parties. Please note, the attached QWR will be added to the following, and submitted on its own merit. XXXX  Arizona Attorney General via email and certified mail XXXX XXXX XXXX ( XXXX  ) via email and complaint submission c. Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Mr. Cooper Case XXXX XXXX XXXX XXXX Mr. Cooper RESPA Address Certified mail XXXX XXXX XXXX Certified mail XXXX Mr. Cooper General Counsel XXXX XXXX Certified mail to XXXX XXXX TX XXXX Experian Certified mail and online dispute submission XXXX XXXX General Counsel XX/XX/XXXX XXXX. Conclusion This chronology of borrower communications reveals : A deliberate pattern of acknowledgments without correction Withholding of material facts Failure to comply with RESPA response timelines A servicer-wide strategy of operational avoidance, silos, and non-responsiveness Emotional and financial harm directly tied to these actions","date_sent_to_company":"2025-07-23T01:09:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"85251","tags":null,"has_narrative":true,"complaint_id":"14795445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-07-23T00:14:48.000Z","state":"AZ","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Instead, the borrower was subjected to an extended pattern of misrepresentations, <em>broken</em> promises, and systemic misconduct. \n\nThis section outlines a detailed chronology of borrower communications and XXXX XXXX repeated <em>violations</em> of Regulation X, including failures to issue timely RESPA acknowledgment <em>letters</em>, misrouting of modification documents, and dual tracking behavior.\n\nTimeline of Communications & Misconduct XXXX."]},"sort":[7.2014394,"14795445"]},{"_index":"complaint-public-v1","_id":"2584080","_score":7.149426,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The year XXXX I met with several brokers and banking personnel in regards, to supporting funding and investing in my textile and clothing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The deal was based upon a {>= $1,000,000} XXXX dollar bond USDA GOVT BOND CUSP # XXXX. The bank XXXX XXXX XXXX XXXX XXXX stated my company would have to wait till the maturity date before receiving the BOND. Thereafter the housing market crashed and the funds disappeared XXXX XXXX was acquired by JPMorgan Chase Bank and we filed a claim against the CEO of the bank therein he defaulted and 35 or so days later had the case removed from XXXX XXXX County Court to Federal Court based upon fraudulent claims that we did not know the defendant personally and that he stated to the court without record that he had nothing to do with any illegal dealings pointing to the JPMorgan Chase of XXXX CA. The case was ailegedly dismissed illegally by a Deputy Clerk XXXX. while Deputy clerk XXXX XXXX was not at work or at the courts as he stated to me over the phone on XX/XX/XXXX XXXX. When in fact he was present according to the case load court schedule for XX/XX/XXXX. The Judges signature was a rubber stamped at best, whom also ironically retired approximately 45 days thereafter. According to the law they did not follow the rules or the law in dismissing the claim therefore we are filing a appeal and another claim. We need information on whom had access to the USDA Funds and whom had the authority to take hide or misappropriate the funds. I believe and can prove that my identity was taken and used to gain access to the funds and that we have been harassed by JPMorgan Chase whom claims that we signed a mortgage with a company they somehow acquired whom never had a license to sell buy or service mortgages in the State Of California XXXX County. I have received multiple letters claiming that my company did not file taxes since fighting the theft fraud and identity theft. I have received several checks from investment firms which turned out to be fraud checks. I have been warned by an attorney that once i began to file complaints and claims against the bank that I would have issues with the IRS, and so far he was correct. I have received multiple letters regarding my businesses EIN numbers and or filings. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Status - EIN XXXX Copyright XXXX US Copyright Office Library of Congress # XXXX XXXX It is factual and true of all the events taken place and can be proven in a court of law or in a negation discovery setting. That on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aw'arded via USDA GOVT BOI { XXXX XXXX # XXXX in the amount of {>= $1,000,000} that matured in two years dated XX/XX/XXXX to the amount of {>= $1,000,000} that was stolen taken and have been caused to disappear within XXXX XXXX XXXX XXXX within the XXXX XXXX County area State Of California. This fraud was caused by said bank and its National and or local employees. XXXX XXXX XXXX in the year of our Lord - Monday, XX/XX/XXXXXXXX with XXXX XXXX whereas I was approached by XXXX XXXX , & XXXX XXXX and XXXX XXXX whom later introduced me to XXXX XXXX via conference of XXXX XXXX XXXX and XXXX XXXX via conference that of employed by the subsidiary bank XXXX XXXX XXXX XXXX XXXX that of XXXX XXXX . Included within the contract and verbal agreement for the {>= $1,000,000} BOND was XXXX XXXX XXXX ( a local XXXX fashion designer ) & XXXX XXXXXXXX XXXX company XXXX XXXX and copy written. Our first meeting took place in XXXX Michigan with XXXX XXXX XXXX XXXX and XXXX XXXX as well XXXX XXXX XXXX. The meeting included a transfer of information such as EIN for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the amount of the BOND acquired to produce both a textile manufacturing company and a clothing line brand therein. XXXX XXXX banking account management expert her involvement was to introduce us to the big dollars as she stated. She introduced me to XXXX XXXX employed with XXXX XXXX XXXX. Whom was to appropriate and allocate the BOND, as well she educated me on how to deal with my debts and credit ( business ) to be qualified for the {>= $1,000,000} that matured to {>= $1,000,000}. XXXX XXXX and XXXX XXXX educated me on what to do concerning my home and how to acquire payment in the year XXXX. Stated by XXXX XXXX I needed to contact the US Government agencies concerning my home and file the proper paper work, this would assure my debt to income ratio would be very low and my credit score would rise high. So I went online to the USDA government site and filled out the form XXXX XXXX ( Rev. XXXX ) The property servicing rights was sold in2 } XXXX and again in XXXX from XXXX, to XXXX XXXX XXXX to XXXX XXXX XXXX She stated that the Chain of title have been broken and that i would need to look into that. So I began contacting the SEC, Office of Controller of Currenc5 Department Of Justice, United States Department of Agriculture. I filed the proper documentation with those agencies. Thereafter the property was paid in fullas ofXX/XX/XXXX, as stated by XXXX XXXX documents and letter ( s ). Both companies or banks XXXX XXXX XXXX and XXXX XXXX XXXX have been acquired by XXXX XXXX XXXX XXXX. See form FORM XXXX XXXX ( XXXX ). Please be advised we where instructed on how to filI out the form by bankers and government agents or employees and therefore this document is very legitimate and legal. Yet JPMorgan Chase whom acquired XXXX XXXX XXXX and XXXX XXXX XXXX at the same time the USDA GOVT BOND funds disappeared. This information was reported to the state of California. 18 U.S. Code $ i961 Section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ). XXXX XXXX at the time was located in XXXX MI, and XXXX XXXX located in XXXX XXXX XXXXXXXX, whom are the experts in manufacfuring, lean manufacturing and infrastructure. XXXX XXXX was the banking expert in appropriating funds for the funding investment, and XXXX XXXX worked along side XXXX XXXX andXXXX XXXX to secure the investment funds. XXXX XXXX and her assistant met us a XXXX XXXX located at ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX ... .with myself XXXX XXXX XXXX the creator and CEO Chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my assistant XXXX XXXX XXXX . She XXXX XXXX took a flight from the XXXX XXXX to XXXX XXXX California the summer of XX/XX/XXXX XXXX XXXX XXXX attended the meeting and took notes for both myself ( XXXX XXXX XXXX ) and XXXX XXXX. The notes where later emailed to everyone involved as listed within this document. A conversation came up about the legitimacy of their bank dealings with XXXX XXXX XXXX and how would the funds be released if they exist? XXXX XXXX via XXXX XXXX emailed me the BOND CUSIP numbers and other information via email on multiple occasions. ( see email attachment ). Thereafter receiving the BOND and CUSP information we investigated and asked a friend of XXXX XXXX XXXX ( XXXX XXXX ) whom was a broker look into it, and she was astonished and very surprised that we had access to this direct information. She stated that if it was n't real there would not be a CUSP number attached for this is how they track and keep account of all BONDS or investments notes. So we where convinced of the legitimacy and began documenting the contract. I have received multiple emaiis and phone calls from XXXX XXXX and XXXX XXXX assuring me that the USDA BOND was secured and in my companies name but a working came through and she continued for a second and third time sending me emails about the BOND giving lessons about the finance history and the XXXX XXXX debacle. I had contacted everyone to schedule a meeting in XXXX so we could figure out what happened with the USDA BOND secured note instrument and who was involved and how we could gain the funds back from whom ever taken it. Only XXXX myself and XXXX XXXX attended the meeting. Everyone else would not answer their phones. At this point XXXX began calling claiming to hold the investment instrument on the mortgage that was recently paid off. They used such tactics like calling XXXX in the morning and well after XXXX at night. They also contacted family and friends in other states claiming we do n't like to pay our bills. Yet someone inside of the bank had taken the USDA GOVT BOND and somehow convinced others that the USDA documents that stated \" pay to the order of the United States without recourse '' was not real. After being embarrassed by such illegal tactics and the disappearance of the USDA GOVT BOND, we began doing research and investigating the issues that seemed to be tied together that being the payoffof the mortgage and the disappearance of the USDA BOND. We had expressed on multiple occasions that the USDA GOVT BOND was real when the bank JPMorgan said it was n't before being educated with the first claim filed on XX/XX/XXXX. We also stated on multiple occasions in affrdavit and in letters that we did not sign or re-sign any documents with XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. Since XXXX XXXX the CUISP # USDA FUNDS disappeared as well all of the XXXX XXXX XXXX XXXX XXXX XXXX employees along with it. XXXX XXXX made an attempt to warn me by sending the emails concerning the BOND itself. She simply stated \" I am trying to help you '' without exposing whom took the funds. She then tried to distract me with statements concerning the XXXX XXXX Debacle and offers of a new investor. Home land mortgage broke into our home the year XXXX while we where visiting and looking to relocate to XXXX GA. The alarm system records state that someone had entered the house via a upstairs window. Later we would received multiple photos take by XXXX XXXX around the same time. We have tried multiple attempts to do a loan modification with NACA and other outside agencies rathe XXXX XXXX would not work with us or they stated that the investor ( XXXX ) did not want to do a loan modification because our household made too much money and we could affiord the payments they had set up even though we had proven that we had no contract with them through XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. The statute of limitations on \" Theft, forgery, arson, securities act violation, business fraud or deceit : is 4 years, the securities act violation theft and fraud was discovered XX/XX/XXXX, business fraud discovered XX/XX/XXXXXXXX59 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section fi29 ( relating to fraud and related activity in connection with access devices ) section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ). The mere fact that the BOND and TRUST is located within the same state as your company XXXXXXXX XXXX XXXX XXXX XXXX. The deal with XXXX XXXX XXXX originated with employee XXXX XXXX offrce located in XXXX XXXX XXXX, also with XXXX XXXX employee XXXX XXXX inXX/XX/XXXX. Thereafter before the BOND disappeared XXXX XXXX began emailing the actual BOND to myself and other business associates via internet and communicated via cell phone and land line this makes your companies both XXXX and XXXX XXXX the culprits and assessors to this theft and fraud crimes committed across state lines. The idea of \" no jurisdiction '' is highly irrelevant and provides proper jurisdiction by way of the R.I.C.O ACT as explained within this Affidavit document. The point that a crime was committed via across state lines using telecommunications emails cell phones and meetings in person within several states. Employees from several of your companies conspired against my person and company to fraud theft the $ XXXX which I was told that the funds would not be available until after the maturity date, which was XX/XX/XXXX by this time all contacts had been cut offby XXXX and XXXX XXXX. This is simply a conspiracy to fraud theft the funds used my company 's legitimacy to gain access to the {>= $1,000,000} ( XXXX XXXX ) dollar bond and destroy my name company 's reputation with the communities involved and to destroy and injure me with the Mortgage fraud. The idea to injure me beyond capacity and repair by committing theft on the BOND ( $ XXXX ) via XXXX XXXX XXXX, create a mortgage by way of acquired mortgage company XXXX during the crash of the market would allow an illusion of a crash ( housing market ) hiding the other facts of the contract deal between XXXX XXXX XXXX and my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This idea of waiting to release funds thereafter the maturity date after XX/XX/XXXX would allow this to go unnoticed to many but we kept our eyes on this entire move. I. The fact that XXXX XXXX became the investor of an alleged mortgage alleging that both XXXX XXXX XXXX and I XXXX XXXX XXXX signed with a company that never possessed a license to be involved with servicing and mortgages monetarily is fraud and a conspiracy. il. When XXXX XXXX XXXX XXXX Manager at XXXX XXXX XXXX XXXX located in XXXX XXXX , and XXXX XXXX of XXXX XXXX XXXX located in XXXX XXXX XXXXXXXX , began ignoring my calls after thereafter XX/XX/XXXX as they told me to be patient as we where approaching the maturity date, simply justify conspiracy without explanation of what had taken place, remember XXXX XXXX warned me via email approximately XX/XX/XXXX by sending the actual copy of the BOND TRUST NOTE. The fact that my business associate XXXX XXXX, XXXX XXXX, explained to me that all communications where suggested to be cut offfrom everyone frorn New York with myself and my company as of XX/XX/XXXX. \" Both XXXX XXXX and XXXX XXXX changed their information on XXXX whereas we have communicated in the past. XXXX XXXX has no acknowledgment of being employed with XXXX XXXX whereas years before she boasted on her website of being highly ranked and employed by XXXX XXXX XXXX. Her new status is As a well recognized expert in strategic global marketing communications and investor relations, I have developed branding and marketing strategies for insurance/reinsurance, investment banking and other professional and financial services companies that enhanced these organization 's ability to achieve their strategic objectives. I 've also lead global communications functions including traditional media, social media and internal comms for brands such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Whereas before this year XX/XX/XXXXshe was an investment banker \" XXXX Managing Director at XXXX XXXX XXXX XXXX. Headed Investor and public relations for a multibillion dollar global investment bank ''. m. All of the former persons involved from the east coast has deleted me as a friend on social media as well XXXX ry. XXXX XXXX formerly of XXXX XXXX XXXX CA, as well formally of XXXX XXXX XXXX d.b.a XXXX XXXX Funding whom had no license personally contacted us on several occasions concern the fraud and alleged mortgage as of XX/XX/XXXX where she threatened to cali police if i appeared at their office location in XXXX XXXX CAto deliver the Right To Cancel Documents on XX/XX/XXXX thereafter calling XXXX XXXX XXXX at her job in XXXX CA trying to convince her to keep the refinance agreement and do n't cancel it. Now employed with XXXX XXXX XXXX  XXXX XXXX since Site Training Manager XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 2 years ) | XXXX XXXX AZXXXX  Manager promoted from J.P. Morgan XX/XX/XXXX XXXXXX/XX/XXXX ( 9 years 9 months ) whom worked for XXXX XXXX d.b.a XXXX XXXX XXXX  approximately XX/XX/XXXX- XXXX before the California Corporations Commissioner forced them to stop doing business in the State Of California. This is no coincidence at all. XXXX XXXX obtained our information from XXXX XXXX and we met her face to face XXXX XXXX to go over upgrades for our new home. She also changed her linkedin.com account page from being employed with XXXX XXXX and XXXX. Site Training Manager JPMorgan Chase XX/XX/XXXX - XX/XX/XXXX ( 2 years ) I XXXX, AZ Training Manager J.P. Morgan XX/XX/XXXX - XX/XX/XXXX ( 9 years 9 months ) no mention of XXXX XXXX XXXX nor XXXX as of XXXX. Funding. XXXX XXXX XXXX formerly of XXXX XXXX XXXX d.b-a XXXX XXXX XXXX and presently with JPMorgan Chase Bank as XXXX XXXX Operations Senior Specialist at  JPMorgan Chase currently employed. XXXX, Louisiana Banking. When we asked if the loan was legitimate via proof of verification your company employees stated that we should do a loan modification rather when we applied they refused stating that the investor was not interested in us saving our home nor interested in doing a true and real modification because we requested verification of a alleged loan. Attempting to force us out of the home knowing we and or I would lose everything with no were to go and nothing to build upon. VI. Caused XXXX VII. Caused distraught relationships between myself my mate friends in laws and family members. VIII. Caused riffs in business relationships with others in XXXX, XXXX and other countries. IX. Forced us into a whole of debt unforeseen X. Caused more pain and suffering than you could imagine XI. Deskoyed my quality of life XlI. Destroyed the opportunities for job creation within the United States OfAmerica. XIII. XXXX XXXX once a friend on XXXX rather she changed her XXXX page information and friendship as well blocked me from friendship on XXXX account for we were once friends. XIV. XXXX XXXX was once my friend on linkedin.com rather she changed her information and blocked me from friendship. XV. Prevented my clothing line opportunities with manufacturers in XXXX and other countries. XVI. Prevented me from becoming a Billionaire through my business negotiation models designs creations music and inventions. XVII. This injuries caused others to take form my ideas in fashion designs lean manufacturing theory ( s ) with multiple designers and manufacturing companies repeating my company model. INJURIES CAUSED ' Theft of CUSP BOND US GOVT $ XXXX ' Copyright Theft TXU 881-f09 ' Theft of DTINS number XXXX Destroyed my company, name reputation within various communities and countries. o ldentify theft of XXXX XXXX XXXX.. . ... . Hindered business opportunities world wide and locally nationally. Destroyed my household, neither of us could obtain gainf, rl employment thereafter the damages the false reporting to our neighbors and family close friends. Sabotaged a faise mortgage destroying our credit with no history of XXXX XXXX ever being reported on either of our credit records as of XXXX to current. Stressed XXXX XXXX  XXXX to the point she had XXXX XXXX Destroyed our relationship and trust Destroyed opportunities of ever obtaining further deals to recover from the XXXX XXXX Debacle. Created a Mortgage of insult ignoring all the evidence presented to your employees whom had to check with higher authority to clear or except the evidence as fact. Never producing an original document or promissory note. Your own employees contradicted this alleged mortgage stating there where no records of this loan mortgage etc, .. via promissory note, microfiche or any other format. XXXX I 've never herd of microfiche until XXXX via XXXX XXXX XXXX XXXX.","date_sent_to_company":"2017-07-26T13:33:41.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2584080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-24T23:11:53.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Later we would received <em>multiple</em> photos take by XXXX XXXX around the same <em>time</em>."]},"sort":[7.149426,"2584080"]},{"_index":"complaint-public-v1","_id":"6944199","_score":5.7992587,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX\n\nXX/XX/XXXX\n\nXXXX XXXX, XXXX.\nFormerly known as Patrick A. Carey, P.A.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX\n\nYour Reference File # XXXX\n\nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XX/XX/XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX  dated XX/XX/ and XXXX dated XX/XX/XXXXand the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under MXXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XX/XX/XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX male and American XXXX XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX  and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXX?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the Nationwide Multistate Licensing System at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be respons","date_sent_to_company":"2023-05-05T12:40:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6944199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PATRICK A. CAREY, P.A.","date_received":"2023-05-05T12:30:21.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please note that there is no reason to NOT report a complete account number in <em>letters</em> and credit files especially when an account has <em>been</em> closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure."]},"sort":[5.7992587,"6944199"]},{"_index":"complaint-public-v1","_id":"6926616","_score":5.790352,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXXXX/XX/2023\nRAS LaVrar, LLC\nXX/XX/FL XXXX  \nYour Reference XXXX XXXX  \nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by XXXX  mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by XXXX  every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by XXXX  mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The XXXX, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my XXXX  mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the XXXX  tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and XXXX  errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX dated XX/XX/2023 and XXXX datedXX/XX/2023 and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even XXXX  attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX XXXXXXXX and American with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX XXXX totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX to gain nothing?  Do you think you can avoid my XXXX  XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXXXXXX shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2. Why is data reported on Metro 2 but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system. Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory Metro 2 protocols have been compliant or violated. If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents","date_sent_to_company":"2023-05-03T20:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6926616","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-05-03T20:33:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please note that there is no reason to NOT report a complete account number in <em>letters</em> and credit files especially when an account has <em>been</em> closed to future transactions especially if 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