{"took":243,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4343454","_score":26.454643,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. \n\nXXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By XX/XX/XXXX","date_sent_to_company":"2021-05-01T08:46:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91001","tags":null,"has_narrative":true,"complaint_id":"4343454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-05-01T07:41:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian <em>boost</em> put in my name. Experian <em>boost</em> promises to <em>build</em> <em>your</em> fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian <em>boost</em> accepts to <em>boost</em> ; 12 points."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[26.454643,"4343454"]},{"_index":"complaint-public-v1","_id":"3673075","_score":24.95483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using Credit Boost. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to credit boost correctlt and the sysyems does not raise your credit score when they keep on advertising on tv. When you try to call it takes almost 5 minutes just to go thru the options and it repeats the same thing over and over until you have to try several times to call back to get to the right department. when i spoke to someome about this weeks ago they keep on sending an email to me that they are trying to fix the problem with their credit boost. so why are they still advertising it when it does not work. i have followed all the rules but all i get is excuses and frustration because they are making it so difficult to help build your credit.I have spent 100 ; s on man hours on the phone trying to speak to someone and end up being transfered to another person then get disconnected Experian shuls be sued for what they are doing.","date_sent_to_company":"2020-05-28T22:42:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14216","tags":"Older American","has_narrative":true,"complaint_id":"3673075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-28T22:26:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using <em>Credit</em> <em>Boost</em>. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to <em>credit</em> <em>boost</em> correctlt and the sysyems does not raise <em>your</em> <em>credit</em> <em>score</em> when they keep on advertising on tv."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[24.95483,"3673075"]},{"_index":"complaint-public-v1","_id":"10464822","_score":24.54083,"_source":{"product":"Debt or credit management","complaint_what_happened":"Below you will see the email loop asking for cancellation to the subscription without success since XXXX TomoCredit Customer Support Your request ( XXXX ) has been updated. To add additional comments, reply to this email. \n\n\nXXXX ( TomoBoost ) XX/XX/year>, XXXX XXXX XXXX XXXX XXXX \n\nThank you for contacting the TomoBoost Support Team. \n\nBuilding credit takes time. It may take 2-3 months for TomoBoost to reflect on your credit report and improve your credit.\n\nWe want to warn you that there is a high chance your credit score may decrease due to a closed line of credit.\n\nCheck your credit monitoring dashboard to see if you can afford a credit score drop here. Are you sure you wish to continue with your cancellation?\n\nWe're offering you a FREE 30-day extension of TomoBoost so you can try all or our features Your payment method won't be charged. \n\nWould you be interested in taking advantage of this offer instead of proceeding with cancellation? \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThank you for contacting the TomoBoost Support Team.\n\nWe want to help you build your credit and secure your long-term financial future.\n\nWe apologize for any disappointments in our product. \n\nXXXX the power of our all-in-one solution! From credit reporting to comprehensive financial management and credit dispute assistance, our product brings together everything you need for your credit journey in a single platform. \n\nLive Credit Monitoring ( {$50.00} value ) Recurring Bills Management AI Financial Assistant Dispute Credit Report Mistakes ( coming soon! ) Best, P.S. Heres a live demo to make the most out of TomoBoost! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThank you for contacting the TomoBoost XXXX XXXX. \n\nWe're truly sorry to hear you're reconsidering TomoBoost. Could you share what's not meeting your expectations? \n\nWe are constantly working to enhance our product experience for XXXX XXXX customers by improving and creating additional features based on your feedback! \n\nDid you know with TomoBoost you have access to : Live Credit Monitoring ( {$50.00} value ) Recurring Bills Management AI Financial Assistant Dispute Credit Report Mistakes ( VIP only ) Best, XXXX. Heres a live demo to make the most out of TomoBoost! \nSupport @ XXXX XXXX XXXX XXXX XX/XX/year>, XXXX PDT Please I request to cancel my monthly subscription. I haven't seen any improvement in my credit score since I have the membership with you. Please cancel ASAP.\n\nThank you Regards","date_sent_to_company":"2024-10-15T13:31:12.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"10464822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TomoCredit Inc.","date_received":"2024-10-15T13:18:23.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We want to warn you that there is a high chance <em>your</em> <em>credit</em> <em>score</em> may decrease due to a closed line of <em>credit</em>.\n\nCheck <em>your</em> <em>credit</em> monitoring dashboard to see if you can afford a <em>credit</em> <em>score</em> drop here. Are you sure you wish to continue with <em>your</em> cancellation?\n\nWe're offering you a FREE 30-day extension of Tomo<em>Boost</em> so you can try all or our features <em>Your</em> payment method won't be charged. \n\nWould you be interested in taking advantage of this offer instead of proceeding with cancellation?"],"product":["Debt or <em>credit</em> management"],"company":["Tomo<em>Credit</em> Inc."],"sub_product":["<em>Credit</em> repair services"]},"sort":[24.54083,"10464822"]},{"_index":"complaint-public-v1","_id":"3973581","_score":23.727665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit has been on the up and up for almost 2 years. Ive been rebuilding my credit doing a great job I have been paying down my auto loan to 80 % now in just three years for a five year loan. \nI owe nothing on my credit cards. I only use my XXXX card but I use it weekly and pay it off before its due every month. Ive never missed a payment in the last 2+ years but Experian has been messing with my credit score. I have proof they would drop me 15 points or raise me five points then drop me six then raise me again all within a month or two.\n\nI believe theyre doing this to make people use Experian boost. I think what theyre doing is absolutely criminal blackmail. \nI believe theyre blackmailing consumers into buying into their boost program to raise the credit scores when they have no right to lower them. \nThey dropped my credit score 20 points in one day for no reason!!!\n\nThey say they only monitor but that is not true they adjusted my score 20 points in one day downward when the other two agencies are increasing my credit score. \n\nIve been trying to build my credit up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones credit score to make them join Experian boost.\n\nEvery time they send an alert they say need help raising your score get Experian boost. Or they send an alert saying we just dropped your credit 20 points get boost to bring it up.\n\nI believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples credit scores as the bait!!! \n\nI want an investigation done please. \nThis is absolutely wrong. I called them this morning and they would not give me a good reason of why my credit score went down 20 points in one day.\n\nOne operator said when I paid off a credit card ( that I didnt even know 10 % of my limit on and never missed a payment ) that lowers my score. I couldnt believe he said that when you pay off a credit card my score gets lowered that is absolutely a lie its ridiculous and how dare them tell people this they recorded my conversation I hope you guys can subpoena or tell them you want that recorded conversation because he did tell me that I said it was a gas card that I charged up XXXX in a month and quickly paid off before it was due how would that make my score go down he said it does I couldnt believe it. \n\nI would bet theyve done this to many other consumers and I would join a class action lawsuit against EXPERIAN to make them stop these criminal practices.","date_sent_to_company":"2020-11-24T21:50:52.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"90660","tags":null,"has_narrative":true,"complaint_id":"3973581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-24T19:32:51.000Z","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":["Ive been trying to <em>build</em> my <em>credit</em> up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones <em>credit</em> <em>score</em> to make them join Experian <em>boost</em>.\n\nEvery time they send an alert they say need help raising <em>your</em> <em>score</em> get Experian <em>boost</em>. Or they send an alert saying we just dropped <em>your</em> <em>credit</em> 20 points get <em>boost</em> to bring it up.\n\nI believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples <em>credit</em> <em>scores</em> as the bait!!!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.727665,"3973581"]},{"_index":"complaint-public-v1","_id":"4298660","_score":22.064129,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Having worked for Bank of America, I was able to see how they could care less about the consumer and more about the investors. Never in a million years would I have imagined that Bank of America would abruptly close all 5 of my credit cards for the simple reason that I had added too many authorized users. Having worked at the branch, it was widespread for personal bankers to tell the consumer that a good way to help establish credit is by opening a credit card. If the card application got declined, they would recommend having a friend or family member add them to their credit card as an authorized user to boost their credit. Not only is this very common, but Bank of America actually has a website with Better Money Habit where they recommend that. \n\nStraight from the website https : //bettermoneyhabits.bankofamerica.com/en/credit/how-to-build-up-credit \" Another option to build credit : If you have a parent or other family member with good credit whos willing to make you an authorized user on his or her account, doing so can help you develop your credit history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to boost their credit. I never thought I was doing anything wrong. Well little did I know that this was going to come back and bite me in the XXXX. On XX/XX/2020, I found out that Bank of America had closed down all of the credit cards that I had with them with no warning whatsoever. I only found out about this because my card got declined when I tried to use it at a restaurant. I called customer service, and the reason they gave me was \" irregular authorized user activity on one or more of your accounts. '' Bank of America has really screwed me over on this one. I don't know what kind of effect this will have on my credit score because not only did they closed over XXXX worth of credit but they also closed some of the oldest credit cards that I had. Having worked so hard to get to an 800+ and for it to be taken away from one day to another really sucks. I never thought I would be depressed over something like this or even have suicidal thoughts over it but honestly, this XXXX XXXX especially when you have worked your whole adult life to have a good credit score.","date_sent_to_company":"2021-04-15T06:47:13.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"4298660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-04-15T02:07:26.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Straight from the website https : //bettermoneyhabits.bankofamerica.com/en/<em>credit</em>/how-to-<em>build</em>-up-<em>credit</em> \" Another option to <em>build</em> <em>credit</em> : If you have a parent or other family member with good <em>credit</em> whos willing to make you an authorized user on his or her account, doing so can help you develop <em>your</em> <em>credit</em> history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to <em>boost</em> their <em>credit</em>. I never thought I was doing anything wrong."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[22.064129,"4298660"]},{"_index":"complaint-public-v1","_id":"3451351","_score":21.714605,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For over 6 months Experian 's credit score has not matched or been close to XXXX  or XXXX. When my score there is XXXX and XXXX, Experian will report below XXXX. In fact, they have reported scores as low as XXXX for no known reason. The data on all 3 bureau 's are the same ( i.e. creditors, etc ). \n\nI have written to Experian many times and the most recent was XX/XX/XXXX ( which took over 1-1/2 months to respond ( beyond the 30 days ). I included my personal information, my Experian account number, and my social security info. Despite this, Experian responds to me on XX/XX/XXXX stating : \" We are unable to honor your recent request because you did not provide sufficient identification information for use to verify your identity, or the information that you provided was not legible ''. \n\nIt was a typed letter in # 12 font, Times New Roman ... a common type used by company 's, the letter was very clear and again, included all personal info and soc security information. In my past letter I even send a copy of \" their Experian Report '' stapled to the letter .... nothing changes. \n\nExperian has been horrible over the past year or so, nothing but issues with them including not protecting my data from theft. I contacted a 3rd party and before my recent purchases ( this XXXX/Black XXXX  ), the company said there was no unusual spending or excessive spending vs. limit ; I was averaging 3 to 4 % use of total credit. They could not explain why Experian has been as much as 40+ points lower than XXXX  or XXXX  XXXX \n\nThis has caused me harm. I was working with a home lender and he wanted my scores over XXXX ( the higher the better ) to give me the best loan. When XXXX  was XXXX and XXXX XXXX, Experian had me at XXXX or so for no known reasons and they would not explain why they are reporting such negative scores, nor can they explain why when I write to them in \" typed '' letters, they say they can not verify me despite all the personal info given. \n\nThe XXXX  XXXX  score model has issues. You can not use the same score model on the other 2 bureau 's and have a higher score, and Experian a very low score ... they should all be the same if reporting the ( same ) accounts using the same variables. \n\nExperian needs to be investigated for basically \" Fraud '' reporting. Finally, Experian also offers ( for a {$4.00} fee per each item ) to add your cards, your mortgage, loans, etc for a score increase. \" Build Your XXXX  Score Bundle ''. In essence, they are charging customers a {$4.00} fee per loan or card in order to boost and/or report a correct score. \nThis is Fraud. They are reporting a lower score and then wanting you to give money to boost and report a higher score ... .. I have pics of their web site if I can attach them here I will. \n\nFinally, their Experian Boost is a joke. I have given them the information required ( cell, cable, etc ) and despite this, and copies of my banks transaction record ... they say they can not find the accounts. I have had a cell phone since the XXXX 's - same number and paid on it like my car insurance for he past 40+ years, yet they can not find my payments on my checking account and give my score a \" boost ''. Just another scam by Experian. With their lack of consumer protection against Fraud and hacks, not sure if I should have allowed them access to my accounts.","date_sent_to_company":"2019-11-26T19:56:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94518","tags":null,"has_narrative":true,"complaint_id":"3451351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-11-26T19:15:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You can not use the same <em>score</em> model on the other 2 bureau 's and have a higher <em>score</em>, and Experian a very low <em>score</em> ... they should all be the same if reporting the ( same ) accounts using the same variables. \n\nExperian needs to be investigated for basically \" Fraud '' reporting. Finally, Experian also offers ( for a {$4.00} fee per each item ) to add <em>your</em> cards, <em>your</em> mortgage, loans, etc for a <em>score</em> increase. \" <em>Build</em> <em>Your</em> XXXX  <em>Score</em> Bundle ''."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[21.714605,"3451351"]},{"_index":"complaint-public-v1","_id":"9683932","_score":20.506762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Tomo Credit boost is a credit builder company where they use your bills to build your ceedit score. The company receives two months worth of payments from me. Yet did not report any activity to my report. Which was stated to be a trade line for XXXX dollars. Nothing was ever reported to my reports. I contacted the company numerous times asking why my report was not reflecting any of my payments or history, that the company includes at their own leisure to consumers. A previous 24 months history. The company stated that they reported everything to the bureaus and the bureau never posted them and it can take months to be posted. Which is false. I had a student loan that was given the same month it was posted to my credit report. And yet this company still had not reported anything to my credit report. I spent XXXX dollars for two months and the company is refusing to reimburse me for a service that was never rendered. My legal advisor sent a letter to the company to which them nor their representative contacted me as advised. Nor refunded me. Also I submitted a complaint to the Attorney Generals Office over two months ago with no response being had from the business yet.","date_sent_to_company":"2024-08-01T19:24:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85326","tags":null,"has_narrative":true,"complaint_id":"9683932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TomoCredit Inc.","date_received":"2024-08-01T19:19:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Tomo <em>Credit</em> <em>boost</em> is a <em>credit</em> builder company where they use <em>your</em> bills to <em>build</em> <em>your</em> ceedit <em>score</em>. The company receives two months worth of payments from me. Yet did not report any activity to my report. Which was stated to be a trade line for XXXX dollars. Nothing was ever reported to my reports. I contacted the company numerous times asking why my report was not reflecting any of my payments or history, that the company includes at their own leisure to consumers."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["Tomo<em>Credit</em> Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[20.506762,"9683932"]},{"_index":"complaint-public-v1","_id":"6119900","_score":20.48552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I signed up for a premium membership with Experian 5 years ago to build up my XXXX XXXX. I did this because, even though I had no debt & paid all my bills on time with my checking account, I had a low XXXX score due to handling my finances on a cash basis. This being a barrier to applying for either a mortgage or a car. Experians XXXX program seemed a perfect answer. It was until 2 yrs ago. \n\nThe XXXX program consists of monitoring your bank accounts & uses monthly expenses to help boost your XXXX score. Experian also provides your XXXX score on XXXX XXXX XXXX. These entities do not have access to your banking info. \n\nI had built my score up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & credit cards were stolen & my roommate moved out. My monthly expenses went up & my XXXX XXXX went down on Experian, but not on the other 2 credit reporting companies. \n\nAfter the theft of my cards, I noticed the connection between my bank & Experian seemed to be broken. I corrected this but my XXXX XXXX kept dropping. Bills that had been on autopay since the XXXX werent boosting my score. I called Experian many times & asked why, if my bills were paid on time, was my score dropping on their report but not on the other 2 reporting agencies? ( Experian : XXXX, XXXX : XXXX, XXXX : XXXX ). They said it was because XXXX needed the 3 months history of payment to show in the score. I argued that I have never missed a payment on any of my bills as shown by my credit reports with the other credit reporting companies on their own site. They restored my score to the excellent range. But the next month, it dropped again. \n\nI called them multiple times asking why my score isnt based on my payment history & balances, but rather on my bank balances? After being hung up on, I cancelled my membership ( {$24.00} for 5 yrs, even though the premium rate went down to {$19.00} ) in XX/XX/XXXX. As soon as my cancelation took effect, my score dropped XXXX points and they are still monitoring my bank account. I have tried to disconnect it ; remove my banking info from their app and you cant do it! \n\nAs of today, I am still being punished. Given that XXXX XXXX uses Experian to provide an immediate XXXX XXXX to their customers, my score is XXXX, on XXXX its XXXX & XXXX its XXXX. I just want them out of my bank accounts & to base my XXXX score on the same data the other 2 credit reporting companies.","date_sent_to_company":"2022-10-23T18:06:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92860","tags":null,"has_narrative":true,"complaint_id":"6119900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-23T17:05:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The XXXX program consists of monitoring <em>your</em> bank accounts & uses monthly expenses to help <em>boost</em> <em>your</em> XXXX <em>score</em>. Experian also provides <em>your</em> XXXX <em>score</em> on XXXX XXXX XXXX. These entities do not have access to <em>your</em> banking info. \n\nI had built my <em>score</em> up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & <em>credit</em> cards were stolen & my roommate moved out."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[20.48552,"6119900"]},{"_index":"complaint-public-v1","_id":"8906035","_score":20.478905,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2024, I thought I was signing up for a short term loan. After reading fine print at the end, I did not want this company. I called immediately to close it and stop any debit. It was successful and guaranteed to stop any tranactions.They took it out anyhow on XX/XX/2024 to \" BUILD UP MY CREDIT '' I called and demanded my money back. He said he had to close it. I would receive a return of funds very shortly. Nothing in XXXX I called again and ask Where is my refund??? check is being processed to return my money. Now they said I will get it in end of XXXX! I got a reply from XXXX. They said I agreed to 60 days refund. I never did because I cancelled it immediately. It never should have been taken out of my banking in the 1st place. This company is a scam I believe! \n\n\nCompany called '' BOOST YOUR SCORE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX","date_sent_to_company":"2024-05-07T18:29:15.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"44102","tags":null,"has_narrative":true,"complaint_id":"8906035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BYS, LLC. d/b/a Boost Your Score","date_received":"2024-05-01T20:03:32.000Z","state":"OH","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Company called '' <em>BOOST</em> <em>YOUR</em> <em>SCORE</em> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX"],"company":["BYS, LLC. d/b/a <em>Boost</em> <em>Your</em> <em>Score</em>"]},"sort":[20.478905,"8906035"]},{"_index":"complaint-public-v1","_id":"4645784","_score":20.218714,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My credit score dropped 21 points overnight for no reason. ( Citing \" Your number of accounts with balances decreased by 1 '' ) ( \" On your previous report, you had 14 accounts with balances -- now you have 13, which could mean you closed an account or paid off a card you no longer use '' ) Neither of those two reasons are Accurate BOTH are false statements giving no justification to Experian actions.\n\nI am of the belief that this company ( Experian ) uses deceptive practices to deprive consumers of fair credit score ratings. Experian I believe is being paid by companies to provide poor credit score rating allowing for higher interest to be charged for loan products and in many cases keeping targeted XXXX XXXX Consumers out of the lending market causing economical hardships to targeted XXXX XXXX. \n\nThe fact that my credit score increased 11 points this month from XXXX to XXXX due to the fact that I paid my loan balance down. Then decreased 21 points in the same month taking the 11 point increase for paying my loan balance down and 10 more points from my previous XXXX score denying my efforts to achieve a higher credit score quest ultimately denying my participation in the Economical process. \n\nI HAVE NOT CLOSED ANY ACCOUNT. \nI HAVE NOT PAID OFF A CARD I NO LONGER USE. \n\nExperian promotes a product they call Experian Boost to help build credit scores for a cost all about a dollar maybe Experian feel I should pay them as well to support my credit score goal and if not they will continue with Experian Deceptive Practices. \n\nExperian XXXX XXXX XXXX would be a better assessment of the company goals. \n\nXXXX XXXX XXXX XXXX ..","date_sent_to_company":"2021-08-19T22:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70003","tags":null,"has_narrative":true,"complaint_id":"4645784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-19T20:38:56.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian promotes a product they call Experian <em>Boost</em> to help <em>build</em> <em>credit</em> <em>scores</em> for a cost all about a dollar maybe Experian feel I should pay them as well to support my <em>credit</em> <em>score</em> goal and if not they will continue with Experian Deceptive Practices. \n\nExperian XXXX XXXX XXXX would be a better assessment of the company goals. \n\nXXXX XXXX XXXX XXXX .."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[20.218714,"4645784"]},{"_index":"complaint-public-v1","_id":"8772258","_score":19.768171,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I need a higher credit score. I have been suggested by experian to take out credit cards to build my credit. I was paying for everything with cash until this credit program. Then was directed to put myself into debt, since then i have had several accounts such as car loan financed and paid off. Little to my knowledge of this program that all paid accounts drop off so no creditor can see all the accounts previously paid on. The only accounts that stay on are the ones that show you in debt, this makes it extremely difficult to navigate in your game of credit. I do not wish to stay in this debt situation not do i wish to play in your credit game. I have no other choice. My credit score has NOT moved no matter what i have done. Therefore, I find this deceiving and discriminative. I have been turned down for a place to live and have been turned down for employment because of your reporting. I have since lost my employment and have not been able to make payments on existing credit card balance. Because of this it is the only thing on my report, how do i escape this nightmare of a system. I am an XXXX person with little to no income and no previous payments reported with no other obligations does not do me any good with your program. I want a higher score like i deserve. I need assistance navigating around these perimeter 's that we are not able to speak with someone for answers. The way this is handled should be illegal. You are allowing reporting that is not verified. Noone asked me about having any of my information. Also, these so-called programs such as Boost offered by Experian is bogus. If there was legitimate assistance they would request info from the utility company 's not the consumers banking information. This is complete and utter violation of privacy","date_sent_to_company":"2024-04-17T17:21:16.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"74006","tags":null,"has_narrative":true,"complaint_id":"8772258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-15T15:10:56.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information that should be on the report is missing"},"highlight":{"complaint_what_happened":["I need a higher <em>credit</em> <em>score</em>. I have been suggested by experian to take out <em>credit</em> cards to <em>build</em> my <em>credit</em>. I was paying for everything with cash until this <em>credit</em> program. Then was directed to put myself into debt, since then i have had several accounts such as car loan financed and paid off. Little to my knowledge of this program that all paid accounts drop off so no creditor can see all the accounts previously paid on."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.768171,"8772258"]},{"_index":"complaint-public-v1","_id":"3325494","_score":18.847666,"_source":{"product":"Mortgage","complaint_what_happened":"My family has been held up from from being approved for an FHA loan. My XXXX credit report showed a credit boost service offered by XXXX to help boost consumer credit legally. My utilities bills such as ; XXXX XXXX XXXX and XXXX were being paid on time. I was told by DHI Mortgage representative, XXXX XXXX that the FHA does not allow this type of feature on my credit report. I did ask questions because I was under the assumption that this was to help consumers build and boost their score. \n\nThere has been so many miscommunication and misleading information we have received from their representative, until we decided to switch lenders. XXXX also advised our realtor and myself that switching lenders be the best idea. We did switch lenders and went to a company named XXXX XXXX XXXX. Our loan officer XXXX XXXX, ran our information in the FHA system and received an automatic approval. But by the time it went into underwriting, they learned that there was a credit reject on our file. I never received any information on this reject. And we still have no valid information on FHA not accepting your utilities being reported to the credit bureaus. \n\nI emailed DHI Mortgage rep XXXX, who failed to give me answers on what happened. Why our credit file was rejected in the FHA systems. Our credit scores were within guidelines. We had completed DHI 's Home Buyers Club Program. We have a healthy downpayment, have been on our jobs for nearly 10 years and have the monthly income with debt ratio being within the guidelines. \n\nAfter sending a follow up email to XXXX on XX/XX/2019, I then received a call from another DHI representative, XXXX XXXX on the same morning. She informed me that we were rejected because I failed to removed the credit boost feature. This was false information. I emailed XXXX during the process and asked a few questions but I did comply and remove the feature. Our current loan officer asked me to see if they would remove the credit reject from the FHA system and they have failed to do so. \n\nXXXX mentioned that she left me a voicemail at the end of XXXX. I have 102 deleted voicemails dating back to XXXX. I listened to them all and not one was from a DHI rep named XXXX. I'm considering having my cell phone company pull my call log activity. Upon our conversation, XXXX told me that she would be in touch by the end of the day. I forwarded emails to her in reference to this matter. She told me she would contact me by the end of the day. It's currently XXXX  ( EST ) and I have yet to hear anything from her. She has also failed to confirm that she received my emails. \n\nThis is clearly a mistake on their end, which have caused my family headache and heartbreak. We are ready to move forward and although there are other ways to get a loan, we were advised that FHA is the best loan for us at this time. We have worked extremely hard and have did ever thing these companies have asked us to do. DHI refuses to remove this and it's not fair. Prior to all of this, my wife was approached by a neighbor that told her ( my wife ) that she heard we was having issues with our loan. I don't know if the neighbor was just being nosey, but all of this happening doesn't seem right. I don't want to think they are intentionally holding us back but from the responses and actions we have received from them, it appears that way. \n\nI have attached screenshots of emails and a copy from XXXX XXXXn when the boost was deleted.","date_sent_to_company":"2019-08-01T05:30:36.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3325494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DHI Mortgage Company","date_received":"2019-08-01T00:24:51.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["My XXXX <em>credit</em> report showed a <em>credit</em> <em>boost</em> service offered by XXXX to help <em>boost</em> consumer <em>credit</em> legally. My utilities bills such as ; XXXX XXXX XXXX and XXXX were being paid on time. I was told by DHI Mortgage representative, XXXX XXXX that the FHA does not allow this type of feature on my <em>credit</em> report. I did ask questions because I was under the assumption that this was to help consumers <em>build</em> and <em>boost</em> their <em>score</em>."]},"sort":[18.847666,"3325494"]},{"_index":"complaint-public-v1","_id":"3001489","_score":15.852282,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. \nXXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. \nAfter this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.","date_sent_to_company":"2018-08-24T22:22:51.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"54952","tags":null,"has_narrative":true,"complaint_id":"3001489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORTGAGE LENDERS OF AMERICA","date_received":"2018-08-24T22:13:42.000Z","state":"WI","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":null},"highlight":{"complaint_what_happened":["If <em>your</em> <em>credit</em> <em>score</em> was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on <em>your</em> <em>credit</em> report. The best and most immediate option would be to <em>build</em> <em>your</em> <em>credit</em>, so you can go conventional. It will also require a 5 % down payment. \nAfter this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one."]},"sort":[15.852282,"3001489"]},{"_index":"complaint-public-v1","_id":"6597308","_score":14.56892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a XXXX XXXX account with the financial management company, Bright Money ( i.e. Bright Capital Inc. through XXXXXXXX XXXX ), on XX/XX/XXXX. According to Bright, XXXX XXXX is a loan account that is automatically managed for you. Month by month, youll pay back the line of credit in automatic re-payments, which well handle for you, building a positive payment history. Your XXXX XXXX account also counts as available credit, which improves your utilization ratio, too. Both of those activities help boost your credit score -- and Bright does it all automatically. Every month, Bright gives you a small amount of money through that account, and then pays it back for you automatically. This helps build your credit score by creating a history of on-time credit payments that we can report to the credit bureaus. Every payment adds to your savings. Once the credit builder program is complete, you get your savings back. Win-Win! \n\nI synced this XXXX XXXX account with two checking accounts that I have through XXXX XXXX  and XXXX XXXX. Despite always having sufficient funds in these accounts, the XXXX XXXX technology consistently failed to sync with both of my banks and would not allow me to make any payments or log in to the app itself, as it would repeatedly glitch, freeze, and present unexplained error messages. I have reached out to Bright customer service via email, chat, phone, and mail countless times over the last year to report these ongoing issues, and have still not received any resolution. In XX/XX/XXXX, Bright falsely reported my XXXX XXXX account as delinquent to both XXXX and XXXX. As of today, XX/XX/XXXX, my account is still being reported as actively delinquent to both of these consumer reporting agencies. As previously stated, I have contacted Bright Money 's customer support team and management team multiple times to resolve this issue, but they have been unresponsive and unhelpful. \n\nI received a direct message from XXXX XXXX at Bright Money on XX/XX/XXXX, stating the following : We would like to inform you that our AI-based algorithm determines the date of collection towards the Credit Builder every month. It is based on the availability of funds and spending patterns as reflected in your checking account and withdrawals are made accordingly. Please be assured that your credit report will not be affected. \n\nOn XX/XX/XXXX at XXXXXXXX XXXX, I received an email from XXXX XXXX at Bright stating the following : Really appreciate your patience. We understand the gravity of the situation and would like to help you out of this. Currently, our credit team is investigating the credit report submitted to the agency and will revert back as soon as we have come to a conclusion. Please allow us 1-2 business days more to update you on the same. Do let us know meanwhile, if you have any further questions. \n\nAfter being told 1-2 business days and not hearing any response from their team, I reached back out two more times and still have not received any communication or resolution. \n\n\nOn XX/XX/XXXX at XXXXXXXX XXXX I received a voicemail from an individual at Bright ( from the phone number XXXX ) stating that this would be resolved within the next 24 hours. However, since that time, I have still not received any phone call, email, or other communication from their company. \n\nThis inaccurate reporting has affected my credit score and has caused me significant financial harm. I am requesting your assistance in resolving this matter and ensuring that Bright Money is held accountable for their actions. I am attaching a copy of my credit report for your reference, which clearly shows the inaccurate information being reported by this company. I would appreciate it if you could investigate this matter and take appropriate action against Bright Money for their inaccurate credit reporting. \n\nThank you for your time and attention to this matter. Please let me know if you require any further information from me.","date_sent_to_company":"2023-02-21T23:13:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60626","tags":null,"has_narrative":true,"complaint_id":"6597308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bright Capital Inc","date_received":"2023-02-21T23:03:30.000Z","state":"IL","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This helps <em>build</em> <em>your</em> <em>credit</em> <em>score</em> by creating a history of on-time <em>credit</em> payments that we can report to the <em>credit</em> bureaus. Every payment adds to <em>your</em> savings. Once the <em>credit</em> builder program is complete, you get <em>your</em> savings back. Win-Win! \n\nI synced this XXXX XXXX account with two checking accounts that I have through XXXX XXXX  and XXXX XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.56892,"6597308"]},{"_index":"complaint-public-v1","_id":"17903739","_score":14.276536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Formal Complaint Against TomoCredit , Inc. d/b/a TomoBoost ( Account/Ticket XXXX XXXXXXXX ) Fraudulent Credit Building Services, Deceptive Practices, Failure to Report to Credit Bureaus, and Demand for Investigation, Refund, and Support for {$100000.00} Damages Lawsuit Dear CFPB Consumer Complaint Intake Team, I am filing this formal complaint under the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) against TomoCredit , Inc. ( d/b/a TomoBoost ), located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX XXXX XXXX  ; support email : XXXX ; phone : XXXX ). As a furnisher of consumer credit information and provider of credit-building services, TomoCredit has engaged in systemic deceptive, unfair, and abusive acts or practices ( UDAAP ) by falsely advertising credit reporting to major bureaus ( XXXX XXXX XXXX ) while failing to deliver, charging unauthorized recurring fees, and obstructing cancellationsresulting in my financial harm and mirroring thousands of similar consumer grievances. I demand a full investigation, my {$260.00} refund, and CFPB assistance in pursuing a {$100000.00} lawsuit for actual, statutory, and punitive damages under the Fair Credit Reporting Act ( FCRA ), Credit Repair Organizations Act ( CROA ), Electronic Fund Transfer Act ( EFTA ), and state UDAP laws. \nMy Experience with TomoCredit/TomoBoost In early XX/XX/XXXX, I enrolled in TomoBoost 's \" credit line '' service, advertised as a tool to build credit by reporting positive payment activity and a simulated credit limit ( up to {$30000.00} ) to all three major credit bureaus. I was approved instantly based on linked bank data, with no hard credit pull, and began monthly payments of {$130.00} ( totaling {$260.00} over two months ) via debit card auto-debit. TomoBoost 's marketing explicitly promised : \" furnish positive payment and activity information to these bureaus to help users build their credit profiles, '' including backdated on-time payments for score boosts of XXXX points. \nDespite consistent payments and full compliance ( e.g., linking active bills and bank accounts ), no activity has appeared on my credit reports from XXXX pulls on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I emailed XXXX demanding cancellation, explanation, and refund ( Ticket XXXX XXXXXXXX ), citing the non-delivery as a material breach. Their sole response was an automated \" welcome '' email ignoring my demands, confirming deactivation evasion, and perpetuating chargesclassic hallmarks of their scam operations. I have since disputed the transactions with my bank under EFTA ( 15 U.S.C. 1693 ) for unauthorized recurring debits, but TomoCredit 's refusal to cease billing exacerbates the harm. \nThis is not isolated : TomoCredit 's model relies on fake tradelines ( reporting non-existent {$500.00} {$30000.00} lines ) without actual credit extension, violating FCRA furnishing duties ( 15 U.S.C. 1681s-2 ) by providing inaccurate, incomplete data. The three major bureaus terminated TomoCredit 's data-furnishing access in late XXXX, purging all historical reports due to \" bogus '' and erroneous datayet the company continues aggressive marketing, spamming texts/emails implying active reporting. \nSystemic Fraud and Deceptive Practices : Evidence from Deep Investigation A comprehensive review of public records reveals TomoCredit/TomoBoost as a predatory XXXX scam targeting vulnerable consumers ( e.g., immigrants, thin-file users ) with false promises, amassing over XXXX XXXX complaints in three years ( 152 in the last 12 months alone ), a XXXX XXXX  rating from XXXX reviews, and widespread XXXX  condemnations as \" total scam '' for zero reporting after months of fees ( {$9.00} $ XXXX ). Common victim reports mirror mine IssueDescriptionExamples/EvidenceNo Credit ReportingPromised bureau furnishing fails ; fake $ XXXX lines never appear, despite payments. Bureaus revoked access in XXXX, purging data.6+ months no reports ( XXXX ) ; XXXX users confirm zero impact after $ XXXX fees ; XXXX : Bureaus cut off Tomo for \" bogus tradelines. '' XXXX XXXX : \" Complete scam ... no reporting. \" Cancellation ObstructionNo phone support ; emails/tickets yield bots or 404 errors ; continued charges post-request, threats to collections.XXXX : \" Made cancellation process hard... extort money '' ; 5+ attempts needed ( XXXX ) ; XXXX : \" 60 emails, no response. \" Unauthorized/Excessive ChargesUpfront fees inflated ( e.g., {$990.00} vs. {$83.00} advertised ) ; auto-debits persist ; \" VIP '' bait-and-switchXXXX XXXX {$990.00} shock charge ; XXXX : {$310.00} for undelivered year ; EFTA violations.Deceptive Marketing & SpamAds imply real credit card/line ; relentless texts/emails post-opt-out.XXXX : \" XXXX every day '' ; XXXX  : \" Fake tradeline-as-a-service. \" Lawsuits & Regulatory Failures20+ suits for FCRA inaccuracies, false advertising, EFTA debits, collections harassment ; CFPB ignored 100s of complaints ; class actions brewing.XXXX : XXXX $ XXXX XXXX suit ; XXXX trademark fraud ; $ XXXX XXXX settlement rumors ; XXXX group for class action. \nThese practices violate : FCRA ( 15 U.S.C. 1681 et seq. ) : Willful non-furnishing of accurate data ; $ XXXX statutory damages/violation. \nCROA ( 15 U.S.C. 1679 et seq. ) : Misleading credit repair claims ; 3x damages, bans. \nEFTA ( 15 U.S.C. 1693 ) : Unauthorized debits ; triple damages. \nFTC Act 5 ( 15 U.S.C. 45 ) : Deceptive ads ; $ XXXX fines/violation. \nNY Deceptive Acts Law ( Gen. Bus. Law 349 ) : Treble damages ( applicable as NY resident ). \n\nTomoCredit 's XXXX XXXX backing and CFPB inaction enabled thisdespite 100s of prior complaints, no enforcement occurred until bureaus intervened. \nDesired Resolution and Lawsuit Intent I seek : Immediate Refund : {$260.00} to my debit card, plus bank fees. \nAccount Termination : Confirm no future charges/collections ; delete my data. \nCFPB Investigation : Probe UDAAP/FCRA violations ; impose fines/redress for all victims ( e.g., $ XXXX CFPB precedents ). \nLawsuit Support : Facilitate my {$100000.00} small claims/federal suit for {$260.00} actual damages, $ XXXX FCRA statutory ( per month ), treble under NY law ( ~ {$780.00} ), punitive for willful fraud, and feesescalating to class action if systemic ( as XXXX  groups indicate ) . \n\nAttached : Email chain ( Ticket # XXXX ), payment proofs, credit pulls. Please forward to TomoCredit for 15-day response ( 12 C.F.R. 1022.43 ) and notify me of outcomes. I authorize CFPB release of this complaint to regulators ( FTC, NY AG, bureaus ). \nThank you for protecting consumers from scams like TomoCredit. I await your prompt action. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-10T00:07:18.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"10705","tags":null,"has_narrative":true,"complaint_id":"17903739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TomoCredit Inc.","date_received":"2025-12-10T00:06:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Tomo<em>Boost</em> 's marketing explicitly promised : \" furnish positive payment and activity information to these bureaus to help users <em>build</em> their <em>credit</em> profiles, '' including backdated on-time payments for <em>score</em> <em>boosts</em> of XXXX points. \nDespite consistent payments and full compliance ( e.g., linking active bills and bank accounts ), no activity has appeared on my <em>credit</em> reports from XXXX pulls on XX/XX/XXXX and XX/XX/XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"company":["Tomo<em>Credit</em> Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.276536,"17903739"]},{"_index":"complaint-public-v1","_id":"7295752","_score":12.701242,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Esteemed CFPB team, I hope this message finds you well. First and foremost, I would like to express my gratitude for providing this vital service to consumers like me. I apologize for the delay in reaching out, as it took some time for me to learn about the option to submit this type of request for assistance. \n\nI am writing to share my unfortunate experience with a bank, which has left me deeply dissatisfied with their handling of my credit card accounts. To provide some context, I am a US citizen who was born abroad and moved to the XXXX in XXXX for work as a XXXX XXXX. Initially, I had no credit history, and to build it, I opened a secured credit card with the bank. Over time, I was able to open a second credit card with them, and my first secured card was successfully unsecured. Everything had been progressing well, with periodic credit line increases that helped boost my credit score. \n\nRecently, in early XXXX, I decided to apply for a travel card from the same bank to benefit from the reward miles and travel points for an upcoming trip abroad. Shortly after obtaining the card, I contacted their service desk to activate some of the reward perks and set up auto-pay. During this interaction, I inquired about the possibility of a credit line increase to further enhance my total available credit and improve my credit score, as I am currently saving up to purchase my first home. With this request, I asked for a credit line of $ XXXX and was promptly approved for $ XXXX. \n\nGiven that the travel card required a minimum spend of $ XXXX to earn the reward miles, I proceeded to make essential purchases, such as booking my flight and train ticket, to reach this spending threshold. My intention was to adhere to my preconceived plan and make timely payments. \n\nHowever, much to my dismay, not even a month had passed, and all of my cards with the bank were suddenly restricted. Perplexed by this sudden action, I contacted the bank 's support and was directed to their Fraud department. Unfortunately, the representatives were unable to provide me with substantial information, merely stating that there was a mismatch with my reported income. In response, I promptly uploaded bank statements and a letter to the Account Management team, detailing my payment plan, which regrettably seems to have gone unnoticed. To further clarify my financial position, I also uploaded a paystub confirming my reported income. \n\nFeeling frustrated with the handling of my case and the lack of satisfactory communication, I decided to raise a formal complaint ticket, which was assigned the number XXXX. However, even after the submission of this complaint, I received no response from the bank. In an effort to address my concerns, I contacted the bank again about a week later, only to discover that they had not examined the documents I previously submitted. They continued to insist that there was an income mismatch, providing no further information or resolution. Consequently, I filed a second complaint ticket, number XXXX. \n\nHowever, despite my numerous calls and documents, all of my accounts were abruptly closed without notice or an opportunity to explore potential solutions. \n\nThe overall mismanagement of my case has been highly disappointing, leaving me with a sense of unfulfilled expectations and frustration. Moreover, the handling of this situation has led me to believe that my account was flagged and closed without adequate options for recovery due to my foreign name. While I can not confirm their intentions, that is the personal experience their actions have left me with. \n\nI kindly request the assistance of the CFPB to review this matter and help address the issues I have faced. Your guidance and support in resolving this situation would be greatly appreciated. \nI have zipped up and uploaded the documents sent to the bank, including statements, a weekly paystub and the letter to the Account Management team. \n\nThank you for your attention to this matter, and I look forward to your assistance in reaching a satisfactory resolution. \n\nSincerely,","date_sent_to_company":"2023-07-25T00:07:01.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"28215","tags":null,"has_narrative":true,"complaint_id":"7295752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-07-24T23:52:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Everything had been progressing well, with periodic <em>credit</em> line increases that helped <em>boost</em> my <em>credit</em> <em>score</em>. \n\nRecently, in early XXXX, I decided to apply for a travel card from the same bank to benefit from the reward miles and travel points for an upcoming trip abroad. Shortly after obtaining the card, I contacted their service desk to activate some of the reward perks and set up auto-pay."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[12.701242,"7295752"]},{"_index":"complaint-public-v1","_id":"10467089","_score":12.172842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on XXXX, Equifax, and XXXX credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in XXXX. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the three defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was discharged in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX  credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that XXXX had ignored the claim line altogether. Even though the XXXX XXXX credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to XXXX a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX  card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the XXXX representative that that was ludicrous, and my student loans were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked XXXX, Equifax, and XXXX, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is racist and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of my race and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXX woman. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is discharged per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my credit score, but it should have increased it. I tried to use the Boost feature on the XXXX website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is racist. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the XXXX website. \nAlso, after speaking with the XXXX representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The XXXX credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the XXXX representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX had been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. XXXX has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating racial barriers so that I do not increase my credit score or any factors that would increase my score. XXXX has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX woman. \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that XXXX show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is racist against XXXXXXXX XXXX. It's systemic racism and racial boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX woman. I'm in my late XXXX, and I'm still seeing these racist barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want XXXX to explain why my XXXX score decreased and why the XXXX XXXX credit file is not being considered. I also have the call with XXXX recorded.","date_sent_to_company":"2024-10-15T07:36:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10467089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-15T07:36:00.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I once again went on the websites and began to read additional literature about building <em>your</em> <em>credit</em>, rebuilding <em>your</em> <em>credit</em>, or establishing <em>credit</em>, and nothing in the literature that I'm reading says that when all factors are presented positively, <em>your</em> <em>credit</em> <em>score</em> decreases. \nAfter reviewing my <em>credit</em> files, I discovered that XXXX had ignored the claim line altogether."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.172842,"10467089"]},{"_index":"complaint-public-v1","_id":"10466735","_score":12.11418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on Transunion, XXXX, and XXXX credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in 2010. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the three defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was discharged in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX  credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that XXXX had ignored the claim line altogether. Even though the XXXX XXXX  credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to XXXX a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the XXXX representative that that was ludicrous, and my student loans were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked Transunion, XXXX, and XXXX, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is racist and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of my race and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXX woman. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is discharged per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my credit score, but it should have increased it. I tried to use the Boost feature on the XXXX website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is racist. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the XXXX website. \nAlso, after speaking with the XXXX representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The XXXX credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the XXXX representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX had been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. XXXX has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating racial barriers so that I do not increase my credit score or any factors that would increase my score. XXXX has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX woman. \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that XXXX show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is racist against XXXX XXXX. It's systemic racism and racial boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX  woman. I'm in my late XXXX, and I'm still seeing these racist barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want XXXX to explain why my XXXX score decreased and why the XXXX XXXX  credit file is not being considered. I also have the call with XXXX recorded.","date_sent_to_company":"2024-10-15T07:36:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10466735","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-15T07:36:00.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I once again went on the websites and began to read additional literature about building <em>your</em> <em>credit</em>, rebuilding <em>your</em> <em>credit</em>, or establishing <em>credit</em>, and nothing in the literature that I'm reading says that when all factors are presented positively, <em>your</em> <em>credit</em> <em>score</em> decreases. \nAfter reviewing my <em>credit</em> files, I discovered that XXXX had ignored the claim line altogether."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.11418,"10466735"]},{"_index":"complaint-public-v1","_id":"10466832","_score":11.113201,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on XXXX, XXXX, and Experian credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in XXXX. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the XXXX defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was XXXX in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that Experian had ignored the claim line altogether. Even though the XXXXXXXX XXXX credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to Experian a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that Experian does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from Experian is that because the XXXXXXXX XXXX card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the Experian representative that that was ludicrous, and XXXX XXXX XXXX  were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked XXXX, XXXX, and Experian, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is XXXX and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of XXXX XXXX and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXXXXXX XXXX. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is XXXX per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my XXXX XXXX, but it should have increased it. I tried to use the XXXX feature on the Experian website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is XXXX. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the Experian website. \nAlso, after speaking with the Experian representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The Experian credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the Experian representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX XXXX been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. Experian has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating XXXX barriers so that I do not increase my credit score or any factors that would increase my score. Experian has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX XXXX \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that Experian show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is XXXX against XXXX XXXX It's systemic racism and XXXX boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX XXXX. I'm in my late XXXX, and I'm still seeing these XXXX barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want Experian to explain why my XXXX score decreased and why the XXXXXXXX XXXX credit file is not being considered. I also have the call with Experian recorded.","date_sent_to_company":"2024-10-15T07:35:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10466832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-15T07:21:31.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I once again went on the websites and began to read additional literature about building <em>your</em> <em>credit</em>, rebuilding <em>your</em> <em>credit</em>, or establishing <em>credit</em>, and nothing in the literature that I'm reading says that when all factors are presented positively, <em>your</em> <em>credit</em> <em>score</em> decreases. \nAfter reviewing my <em>credit</em> files, I discovered that Experian had ignored the claim line altogether."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.113201,"10466832"]},{"_index":"complaint-public-v1","_id":"3194894","_score":6.878526,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX does no have fraud protection and a scammer was able to defraud me using XXXX which does not have the same service protections as XXXX. I lost XXXX XXXX out of my Navy Federal Credit Union checking account. The seller asked me to pay them through XXXX instead of my preference of XXXX for an anonymous transaction. I was not aware of XXXX, did a little XXXX to read up on it and discovered its a digital payments service thats backed by Navy Federal Credit Union which made me feel more comfortable about the transaction. The seller told me to use the XXXX mobile application so I thought XXXX was a legit service, and assumed Navy Federal Credit Union would step in to help if anything went wrong. After all, I was sending money directly to another bank account so surely the seller would know they could be tracked down and caught if they attempt fraud?! Unfortunately, proved to not be the case as the seller actually a scammer kept the money, his phone was turned off ; he never responded to any emails- he was gone and I never received the product/service paid for. I filed a complaint with Navy Federal Credit Union. I am unaware if Navy Federal Credit Union 's fraud department tried to call the seller 's bank to follow up on the matter. Navy Federal Credit Union sent me a letter stating theres nothing they can do to help recoup the stolen money. When I emailed a complaint to XXXX Support to help, XXXX responded by sharing a link that explained why XXXX should only be used with family and friends and that XXXX is not responsible for goods or services that are not received. Please see below conversation with NFCU : Subject : Fraud Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service, Ms. XXXX. \n\nThank you for providing information regarding your claim. It has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us. \n\nSincerely, Debit Card Dispute Resolution Your Message XX/XX/XXXX : From : XXXX Consumer Support <XXXX> Date : Thu, XX/XX/XXXX, XXXX XXXX  Subject : Using XXXX To : XXXX <XXXX> Hello XXXX, We are sorry to hear that you have not received the item or service you purchased using XXXX. \n\nXXXX is a great way to send money to family, friends, and people who you are familiar with, but is not intended to be used to purchase goods or to pay people that you do not know or trust. Sending money to someone you don't know or for something that you are not sure you will get what you paid for ( for example, items bought from an on-line bidding or sales site ), comes with the risk that you may never get what you purchased. Similar to handing over cash, you also risk not getting your money back. We recommend that you not use XXXX for these types of transactions. \n\nXXXX does not offer a purchase protection program for goods and services that are not received or do not meet your expectations. We recommend contacting your financial institution to request any assistance they may be able to offer regarding the return of your money. \n\nBest Regards, XXXX Support Call toll-free at XXXX, seven days a week from XXXX XXXX  to XXXX XXXX ET, excluding federal holidays. From outside the United States, call XXXX from XXXX XXXX to XXXX XXXX ET, Monday through Sunday. \nref : XXXX : ref Navy Federal Response XX/XX/XXXX : Ms. XXXX, Thanks for contacting us about your disputed debit card charge of {$500.00}. Contacting the merchant directly may be the quickest way for you to fix the error. \n\nWe're investigating your claim with the information you provided and will be reaching out to the merchant for a refund, depending on the situation. Here 's what to expect : We'll send you updates throughout the investigation. Check both mail and email. \nIt can take longer than 45 days to hear back from the merchant. \nIf your charge isn't refunded, we may need more information so we can try again to recover your funds. \nIf we think it will take longer than 10 business days, you'll receive a temporary credit for the amount in question. If we can't resolve the issue in your favor, the temporary credit will be removed. We'll notify you before removing the credit. \nStrong documentation will help us recover your money. If you have the following documents, please submit them by signing into https : //my.navyfederal.org/XXXX and sending us a secure message or faxing to XXXX. \nCorrespondence ( e.g. emails, texts, letters ) with the merchant regarding cancellation Acknowledgment/receipt from the merchant regarding a credit or refund Proof of return ( i.e. tracking number ) for canceled or returned merchandise Terms and Conditions surrounding your purchase Additionally, for security reasons, we are unable to access the link you provided. As an alternative, you may open the link and copy/paste the information into your response to this message. \nFor additional assistance, call us anytime at XXXX. We appreciate your assistance and thank you for your diligence. \nSincerely, Debit Card Dispute Resolution Your Message XX/XX/XXXX : XXXX XXXX XXXX Business Management XXXX XXXX XXXX XXXX , Registered Agent Additional Contact Information Fax Numbers ( XXXX ) XXXX Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX 'The FTC charged this employment-opportunity scammer and his three companies on XX/XX/XXXX with marketing a fraudulent U.S. Postal Service ( USPS ) employment program. The program offered consumers help in getting jobs with the USPS and guaranteed them job placement if they were able to get a certain score on the USPS entrance exam. In reality, jobs, or even the opportunity to apply for jobs, were not available through the defendants. For many consumers, the advertised postal jobs were not available in their area at all. The FTC alleged the defendants, XXXX XXXX XXXX and his companies, XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX, doing business as XXXX XXXX, XXXX and XXXX XXXX, put classified ads in newspapers across the country. The ads, which read $ ATTENTION $  Now Hiring for Postal Jobs and offered hourly salary rates, paid training and full benefits, led consumers to believe the defendants were connected with the USPS and the hiring process. When consumers called the toll-free numbers listed in the ads, they were told there were jobs available at their local post office. The defendants offered consumers an exam-preparation package and told consumers they had to pay a one-time refundable fee for the study materials. According to the defendants, the materials would assist consumers in getting jobs with the USPS by helping them pass the required entrance exam. The defendants also told consumers that if they scored high enough on the exam, they would receive immediate job placement. The defendants said that their product would include an employment application, a book entitled XXXX XXXX XXXX, 12 practice exams, and a copy of the actual exam. ' Your Message XX/XX/XXXX : From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX   Subject : Credit Repair Scam XXXX XXXX XXXX - XXXX XXXX XXXX To : <XXXX> Cc : <XXXX>, <XXXX> XXXX is a scammer and the principal, treasury, secretary , owner of all his C corporations, created using different CPN numbers ... he offered credit repair for my personal credit. He said that I can purchase a shelf/aged corporation but I didn't want to pay for a shelf corporation. He then said I have to pay him {$4000.00} to fix my credit, and he would help me create an LLC and establish business credit. He said he sells CPNs and I told him that I wasn't interested so he told me that he could use his own tradelines to boosts my credit. He said he would also use 'credit masking ' to correct two personal lines which would hinder his ability to help me obtain business credit. He said it would take him 30-120 days to help me with my personal credit but he would then be able to obtain XXXX in business lines of credit through his private list of lenders he works with. He would then take the XXXX and place it into his 'leveraged brokerage account ' he would take {$2500.00} x 6 payments to pay the broker account and the rest would go into a treasury bond and the bond would give me dividends of $ XXXX which I could use to pay the XXXX line of credit he would obtain for me ... He then would take tradelines/'enhancements ' and add them to the personal and business LOC and he mentioned a 'stand by letter of credit ' being used but did not specifiy what the letter was for or why it was needed. He said after 90 -  120 days my business credit will be fully established. He then brought up CPN usages and how it is legal to use per IRS stating he uses CPNs all the time to create several C corporations and he builds up the corporations and pumps credit into them, uses them and then bankrupts them and he has been in the credit business for ten years. He also asked me for a list of my credit cards for credit repair and when I gave him the list he told me he would pay me to allow him to put authorized users onto my credit cards however I told him that I wasn't interested as I had been a victim of identity theft and just wanted to fix my credit and to establish business credit. He then asked me to send him {$4000.00} for his services using XXXX and he would get started on the \" unique program he created for my specific situation. '' It all sounded fishy to me and I called him and told him that it sounded weird and I wanted to cancel. He told me that I was already in some system and it would take a while for him to take me out of the system and refund my money. When I asked him when I would get my money back he said he had to reach out to his partners ( aka himself ) to ask when they could refund the money but he doesn't not have any partners. I then asked specifically when he would give me my money back he wouldn't give me a specific day ( e.g. 24, 48, 72 hours ). Thank goodness only {$500.00} went through and not the {$4000.00}. I told him to just send my {$500.00} back through XXXX and he said it wasn't that easy to do. He told me that he would email me and hung up. Calling his phone back - it went straight to a full voice mail and he did not respond to email. Did not respond to text. I did not have a written contract with XXXX, he just asked me to send him money through XXXX. He told me it would be {$4000.00} and then I told him I wasn't paying that so he dropped his service down to {$2000.00} and I then told him after a few hours to just cancel service. He offers a guarantee on his website but does not specify what it covers. After my complaint he had his virtual assistant change the wording. He did not provide me with any service - just took my money and disappeared. \n\nMy calls were recorded with XXXX on XX/XX/XXXX - XXXX and on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX and XXXX for review in investigation. Thank you. \n\nRespectfully, XXXX XXXX From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX   Subject : You sent {$500.00} to XXXX XXXX. \nTo : <XXXX> Your Message XX/XX/XXXX : XXXX Your Message XX/XX/XXXX : XXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX ... \n\nXXXX XXXX XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX used XXXX app XXXX https : //www.ftc.gov/news-events/press-releases/2006/06/postal-job-scam-licked XXXX XXXX XXXX XXXX XXXX XXXX  Your Message XX/XX/XXXX : NFCU POS Transaction - {$500.00} through XXXX sent to XXXX XXXX XXXX 's bank account Owner of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Neighborhood : XXXX XXXX XXXX From : XXXX XXXX   <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX   Subject : Re : You sent {$500.00} to XXXX XXXX. \nTo : <XXXX> XXXX XXXX XXXX , Can you  send me my money back? You did not provide me with any service and I need my money to pay my mortgage. You really feel good about scamming a single mother with children? \n\nYou make a living scamming people? \n\nYou have a daughter too so your a father and grandfather. \n\nCan you do the right thing and send my money back? \n\n\n\nOn Tue, XX/XX/XXXX, XXXX XXXX XXXX XXXX   <XXXX wrote : Please send the {$500.00} back via XXXX - Thank you. \n\nFrom : XXXX <XXXX> Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : You sent {$500.00} to XXXX XXXX . \nTo : <XXXX> XXXX Logo You sent {$500.00} to XXXX XXXX XXXX Logo Contact Privacy Legal XXXX Logo To learn more , go to XXXX. \nContact XXXX Support at XXXX, 7 days a week, XXXX-XXXX Eastern. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX and the XXXX related marks and logos are property of XXXX XXXX XXXX , XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX says he is the Principal, Treasury, President, Secretary on all of his C Corporations. \n\nYour Message XX/XX/XXXX : XXXX : XXXXcomplaints XXXX : XXXX XXXX XXXX   XXXX # Pattern-of-Complaints ( XXXX ) XXXX Your Message XX/XX/XXXX : XXXX Your Message XX/XX/XXXX : XXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX ... \n\nXXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX used XXXX app XXXX Your Message XX/XX/XXXX : Pending POS Transaction POS - {$500.00} FRAUD XXXX states that it offers a fast, easy and SAFE way to move money. The \" safe '' claim is not true - they are misrepresenting themselves. In addition, there is no recourse with XXXX either thru them or Navy Federal Credit Union. You are made to believe that this is a safe system yet scammers are making lots of money thru this system and winning while we the consumers are being scammed. Most importantly, XXXX and the Navy Federal Credit Union take no responsibility for losses. You can't get a live person at XXXX. In my opinion, these companies and financial institutions should take some responsibility and offer some recourse.","date_sent_to_company":"2019-04-02T17:25:15.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"92069","tags":"Servicemember","has_narrative":true,"complaint_id":"3194894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-03-29T04:06:22.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["He then said I have to pay him {$4000.00} to fix my <em>credit</em>, and he would help me create an LLC and establish business <em>credit</em>. He said he sells CPNs and I told him that I wasn't interested so he told me that he could use his own tradelines to <em>boosts</em> my <em>credit</em>. 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