{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2849973","_score":16.32175,"_source":{"product":"Debt collection","complaint_what_happened":"1 ) I bought furniture from XXXX  through a XXXX XXXX credit card 2 ) I made the regularly scheduled payment until there was a charge that was not mine on the bill 3 ) The full amount was refunded while they researched the issue 4 ) they corrected the issue, however, the grace period of interest free was lost 5 ) The bill continued to be inaccurate 6 ) I payed off the amount of my furniture but now XXXX  is trying to collect over 5K in interest fees and finance charges. This can not be legal and in violation of consumer rights. \n7 ) I have received a letter from XXXX stating they agree with me that these charges are not accurate and do not hold me responsible for them. \n\nI ask that XXXX XXXX take the XXXX I have paid ( over the amount of the furniture ) and end this case. I will continue to fight for my rights as a consumer and will not let this go until this is observed. \n\nAs a result my credit is affected which I have taken the care to build over the years. You will see from my credit history I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard earned money. I really hope that CFPB can continue to help me in this matter. \n\nThank you so much for your help","date_sent_to_company":"2018-03-21T18:37:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"94132","tags":null,"has_narrative":true,"complaint_id":"2849973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2018-03-21T17:36:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["As a result my <em>credit</em> is affected which I have taken the care to <em>build</em> over the years. You will see from my <em>credit</em> <em>history</em> I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard <em>earned</em> money. I really hope that CFPB can continue to help me in this matter. \n\nThank you so much for <em>your</em> help"],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.32175,"2849973"]},{"_index":"complaint-public-v1","_id":"2152621","_score":16.05925,"_source":{"product":"Credit card","complaint_what_happened":"Four years ago I opened a secured credit card with XXXX, for the SPECIFIC PURPOSE of improving my credit score. \n\nInitially it had a credit limit of {$500.00} and was secured with a {$500.00} CD, also with XXXX. \n\nIn practice I found that if I put a XXXX dollars on the card my 'credit utilization ' ratio became too high, hurting my credit score, so I called XXXX and increased the CD security to {$2500.00} so that in any given month my % of credit used would be low. \n\nXXXX was able to increase the limit on my secured credit-building card in a matter of minutes. They quickly transferred money from my checking account to the CD - very easy and smooth, but with no warning of what lay ahead ... \n\nAfter four years I called XXXX to see if my credit was good enough to 'graduate ' the secured card to an unsecured card ( which is the industry norm ) thereby releasing my {$2500.00}. I was told that XXXX does not graduate cards, but that I should apply for a new card, which I did successfully. \n\nNow, a CRITICAL factor in credit is the length of the history of credit. Because of financial difficulties in 2010 many of my older accounts were closed, so it is vitally important to building my credit that I keep open the accounts that I have to build history. \n\nXXXX helpfully provides a credit score along with key factors influencing it. It says : \" What 's Hurting : Lack of sufficient credit history. \nWhat It Means Your credit file does not contain enough information about your use of credit. A credit file with older accounts and/or more accounts reflects more experience with handling credit and can have a positive impact on your credit score. \nRecommendation : Maintaining open and active credit accounts in good standing can help improve your credit score. '' In other words, XXXX OWN advice is that it is critical that I keep OPEN the secured card they gave me to help build my credit. \n\nHowever, now that I have an unsecured card with a line of $ XXXX it would be poor financial management to keep {$2500.00} needlessly tied up earning near-XXXX interest to secure a line of credit I no longer need. \n\nClearly I should keep the secured account open with a reduced limit - say {$200.00} - so that it remains functional and contributes to my credit history, but releases the money I had tied up securing it. \n\nI called XXXX today to reduce the credit limit on the secured card and they will not do it. I spent an hour speaking to a number of representatives and escalating the matter as far as possible. \n\nThey are absolutely clear : 1 : I can not graduate the secured card to release the security deposit held in a CD 2 : I can not reduce the credit limit and reduce the amount in the CD. The CD can only be increased, or closed. \n\n3 : If I close the CD the secured card account will immediately close DAMAGING MY CREDIT IMMEDIATELY by reducing my credit history 4 : They can not or will not allow me to open a new smaller CD to secure the card thereby allowing the {$2500.00} CD to be closed. \n\nTrying to be helpful I even asked if they would change the terms of the secured card to, say 0 % interest and 0 % minimum payment, which ( although it sounds absurd ) would have the effect of giving me back access to my {$2500.00} without penalty. No. \n\n\n\nTHE BOTTOM LINE XXXX has effectively set up an extortion whereby the only way to get back the {$2500.00} I entrusted to them to help build my credit ... is to take a massive and permanent hit to my credit. \n\nThis is very important. Many credit injustices - bad reporting, erroneous missed payments etc - can be fixed on appeal. \n\nBut CLOSING a line of credit is a permanent and irreversible negative factor on an account - as even XXXX agree. \n\nThe choice of hurting my credit or never having access to my {$2500.00} again ( other than on credit card terms ) would be completely unreasonable and unacceptable at any bank, and utterly against XXXX 's character.","date_sent_to_company":"2016-10-12T14:30:32.000Z","issue":"Credit line increase/decrease","sub_product":null,"zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"2152621","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2016-10-08T17:23:09.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["What It Means <em>Your</em> <em>credit</em> file does not contain enough information about <em>your</em> use of <em>credit</em>. A <em>credit</em> file with older accounts and/or more accounts reflects more experience with handling <em>credit</em> and can have a positive impact on <em>your</em> <em>credit</em> score. \nRecommendation : Maintaining open and active <em>credit</em> accounts in good standing can help improve <em>your</em> <em>credit</em> score. '' In other words, XXXX OWN advice is that it is critical that I keep OPEN the secured card they gave me to help <em>build</em> my <em>credit</em>."],"product":["<em>Credit</em> card"],"issue":["<em>Credit</em> line increase/decrease"]},"sort":[16.05925,"2152621"]},{"_index":"complaint-public-v1","_id":"3836585","_score":15.794704,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied for a United Airlines Explorer Mileage Plus credit card issued by Chase Bank, NA. \n\nI was approved with a credit limit of above {$10000.00}. \n\nChase bank kept sending me offers that if I spend {$3000.00} with them in the first month I would receive an amount of bonus miles with United Airlines. I spend the {$3000.00}.\n\nThen the second month they offered me the same offer to spend {$3000.00} more on the card. I did spend {$3000.00} more to earn the miles. \n\nThen the third month they sent me yet another offer to spend {$3000.00} to earn even more miles and I did spend the additional {$3000.00}. \n\nSo in total they solicited me to spend {$9000.00} in three months and I did. \n\nI made timely payments on the account and just a few days ago I paid off the entire balance on the account which was around {$10000.00}. \n\nChase closed my account. \n\nThe reasons they cited were the following : 1. Rapid increase in revolving balances 2. Not enough credit information on file 3. Recently returned payments on one or more of your accounts with Chase To explain my point of view on the above three issues they cited as reasons for closing my account.\n\nTo point # 1. They solicited me to spend money on their card to earn miles. In total they solicited me to spend {$9000.00} in 3 months. So I did and I did it to earn the miles they were rewarding me with. My question is ; When they are soliciting me to spend and I do spend and then I pay off the card, why do they then penalize me for spending too much on the card? \n\nTo point # 2. I have only had the card since XXXX, 2020. Obviously then don't have enough credit information on me. I just started this relationship with them. I have been making timely payments ever since the card was opened and I paid off the balance in full twice. Once in the first month of opening the card and then finally just a few days ago. I did this to establish a credit history with Chase. My question to this point is : How am I supposed to build credit information with them if they wont let me by closing down my account. \n\nTo point # 3 : \" Recently returned payments on one or more of your accounts with Chase ''. This was a mistake on Chase 's part. In their mobile app they allow you to link your bank account with the card so that you can make electronic payments. During this setup process they ask you for your bank account \" routing '' number and account number. When they ask for your routing number they don't specify which routing number they want. It could either be the wire transfer routing number or the ACH routing number. Since they didn't specify which routing number to use, I used the routing number as printed on my checks from my bank account. This routing number is the wire routing number. Regardless, I went through the setup process to link my bank account, they accepted the information I provided and I then attempted to make a payment in full which was for around {$1100.00}. \n\nLater they rejected my payment because I didn't enter the correct routing number. I contacted Chase and they told me that I provided the wrong routing number and that they needed the ACH routing number. I told them that they asked for the routing number from the check NOT the ACH routing number. Nevertheless, I corrected the routing number with Chase and provided them with the ACH routing number. They accepted this routing number and I AGAIN attempted to make a full statement balance payment of around {$1100.00}. This time the payment was successfully processed and the funds were debited out of my bank account and they credited the fund to my credit card. \n\nSo to summarize the issues and my position, they asked me to spend more and more money on the card by manipulating me with advertising and offers or rewards. When I accepted their offers and did as they asked they use that as a reason to close my account. This is false and misleading advertising and is fraudulent behavior on their part. \n\nSecondly, they didn't give me a chance to build a credit history with them. They hit me with offer after offer after offer to max out my card 's available credit and I did so in an attempt to earn the rewards and then they penalize me for not having \" enough credit history '' with them? Why solicit me to spend so rapidly and when I do then they close my account? \n\nAnd thirdly, they made a mistake by asking for the routing number as printed on the check, but in fact this is not the routing number they needed. So they made a mistake not me. So they close my account because of their mistake??? \n\nNow as a result this is how I have been negatively impacted by their false and misleading advertising practices, solicitation and requests for bank information. \n\nMy revolving available credit has dropped by {$10000.00} in my tri-bureau. This has had a negative impact on my FICO score. Secondly, by closing my account I have lost my timely payment history on my tri-bureau credit report and this has negatively impacted my credit score and finally by closing the account down at the issuers instructions, this has negatively impacted my FICO because it shows that the account was closed by the issuer and not voluntarily by me. \n\nNow the end result is that I will have to pay a higher interest rate on future credit lines, may get declined for other cards and overall make getting additional credit issued in my name more difficult. \n\nI request that your organization contact Chase about this situation and their fraudulent practices and have them reinstate my card and not make any negative reporting to the credit bureaus that could hurt me in the future. \n\nIn the attachments to this complain I have uploaded 7 files for your review : 1. XXXX XXXX  Statement - XXXX, 2020 - If you look at the last page of this statement you will see an ACH debit to Chase for the statement balance amount of approximately {$1100.00}. This statement is important to for two reasons. 1 - it goes to prove that I made the payment and if you look at all the transactions in the month of XXXX you will not see any returned payment to Chase. 2 - it important to take note of the fact that they did an \" ACH '' transfer not a wire transfer which is the number they requested from the bank check.\n\n2. Letter from Chase regarding reasons for closing the account. You can read this letter and you will see they reasons they cite for closing the account which are not fair reasons as I mentioned in detail above. \n\n3. Screenshot of Chase credit card mobile app where it asks for your routing. This is an important document. You can see in this screenshot that they are asking for the wire routing number as printed on my check NOT and I stress NOT the ACH routing number. Which is why they couldn't process my first attempt to pay off the balance. \n\n4. Four different variations of solicitations I received from Chase to open accounts, spend money on the account, earn rewards for spending the money etc, etc.","date_sent_to_company":"2020-09-08T18:34:06.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"92604","tags":null,"has_narrative":true,"complaint_id":"3836585","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-09-08T17:44:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Secondly, they didn't give me a chance to <em>build</em> a <em>credit</em> <em>history</em> with them. They hit me with offer after offer after offer to max out my card 's available <em>credit</em> and I did so in an attempt to <em>earn</em> the rewards and then they penalize me for not having \" enough <em>credit</em> <em>history</em> '' with them? Why solicit me to spend so rapidly and when I do then they close my account?"],"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":[15.794704,"3836585"]},{"_index":"complaint-public-v1","_id":"4585544","_score":13.039817,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Self, Inc., represents itself to consumers as a credit monitoring and credit building system that helps consumers with low or damaged credit increase their credit score. Self is a free credit monitoring system. But they also market credit building installment loans. This is where they make their money. \n\nSelf credit monitoring service provides consumers with on-demand access to credit scores, however, the information is usually outdated by several months. It provides consumers access to this outdated credit history at all times. Self also provides consumers with advise on how to improve their credit. They provide this advice free of cost.\n\nHowever, do not provide consumers with advise or actual notice of how Self, Inc. services could actually damage your credit history under the following conditions : ( 1 ) Consumers paying the last payment off early may negatively effect their credit history and negate the entire purpose of the installment loan, or ( 2 ) Return of CD funds at maturity of the installment loan will be compromised by the acceptance of the credit card offered by Self, Inc. or ( 3 ) Self, Inc., will be holding in abatement up to {$370.00} as a security deposit on credit card account, and will not return all of the CD funds at maturity, unless or until, the consumer accepts that all of the benefits of the installment loan are negated and both accounts are reported as closed.\n\nSuch reporting by Self, Inc., damages the consumers credit profile and will negatively impact consumer like me for up to 10 years.\n\nSelfs material failure to provide consumers with actual notice of the change or amendment to one of the fundamental terms and conditions contained in the agreement, i.e., Return of CD at maturity in full has now been effected by consumers acceptance of the credit card offered. This is unlawful as it is in direct contravention to substantive principles in consumer protection laws and contract law in general.\n\nIn other words, the consumer is now subject to double-jeopardy due to the credit card account holding CD funds as security deposit without any actual notice provided, and without the knowledge or consent from the consumer. It is FDIC Insured CD funds misappropriated for a credit card security deposit. The CD funds which can not be accessed by the consum\ner until maturity date is allocated by Self for the security deposit on credit card without notice to the consumer.\n\nThese specific changes by Self, Inc., to the terms and conditions of the agreement transformed the agreement between me and Self, Inc, into to a contract of adhesion. I did not know that the credit card offered would negatively effect the return of my CD upon maturity as promised.\nI discovered this fact when I received only {$160.00} of the CD at maturity instead of {$540.00}. When I inquired about the return of the balance of the CD {$370.00}. Selfs response was simply to say okay, we will start processing the return. I did not know and was not provided actual notice that in order to return the entire CD amount required the closing of the credit card account.\n\nSelfs solicitation to consumers involves the following terms and conditions : For XXXX/month, consumers can rebuild credit. The Self loan isn't your typical loan. It is a loan in reverse. Consumers don't receive the proceeds from the loan upfront. Instead, it's placed in a FDIC insured Certificate of Deposit. The maturity date equals the term of the loan.\n\nYou then make payments over the course of the term of the loan ( 12 to 24 months ).\n\nYour payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time.\n\nAs you make payments, Self reports them to XXXX, XXXX, and XXXX. If you make your payments on time, this will help build up your credit score.\n\nOnce you provide this information, Self runs a check on XXXX. \n\nSimilar to running your credit, this system checks your bank account history. This keeps an eye on how you treat your bank accounts. They look for overdrafts and bad checks. However, unless you let your overdrafts sit unpaid, you should be in good shape. \nIf your XXXX  report comes back clean, Self will ask you which loan amount you want from a predetermined list of options : {$520.00} ( {$25.00} paid over 24 months ) {$540.00} ( {$48.00} paid over 12 months ) I selected this one!\n\n{$1000.00} ( $ XXXX  monthly payment over 12 months ) {$2200.00} ( $ XXXX  monthly payment over 12 months ) You then enter your payment information. You can use a checking account or debit card. However, using a debit card will cost you an additional 2.99 % plus {$0.00} as a convenience fee.\n\nSelf also charges an administrative fee based on your loan amount. It varies between {$9.00} and {$15.00}. The fee is non-refundable, but is a one-time fee. The moment you take out the Credit Builder Loan, you have a FDIC-insured Certificate\nof Deposit opened in your name. Like any other CD, you can not touch the money until it reaches maturity. In this case, it's 12 months. Untrue.\n\nThe bank deposits the full amount in the CD, allowing it to earn 0.10 % interest over the next 12 months, then returned to the consumer. Also untrue.\n\nIt is in the publics best interest and in the interest of consumer protection that Self is held accountable for failing to provide consumers with actual notice as follows : Consumers paying the last payment off early may result in negative credit history reported on your credit profile, even if Maturity date is reached. And will also negate all of the benefits of the installment loan.\n\nReturn of the CD at maturity will be compromised by the consumers acceptance of the credi\nt card offered due to a security deposit held on account, and taken out of CD funds prior to maturity. FDIC rules do not apply.\n\nPrior to offering credit card to build credit history : Self intends on utilizing or accessing or apportioning a substantial part of your FDIC Insured Certificate of Deposit Savings Account beyond date of maturity or subject to additional terms and conditions not previously disclosed to consumers, i.e. consumer must accept the negative reporting of the credit card account as a closed account on the consumers credit file that will negatively effect the consumer for up to 10 years. \n\nWARNING : Do not pay the XXXX XXXX XXXX early even if offered by Self. If you pay it off early, you negate the benefits of the installment loan. You can not touch the CD until maturity or you risk paying a penalty, however, Self can and will at any time for credit card deposits without any notice or consent to consumers.","date_sent_to_company":"2021-07-29T15:38:17.000Z","issue":"Confusing or missing disclosures","sub_product":"Credit repair services","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"4585544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2021-07-29T15:20:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Your</em> payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time.\n\nAs you make payments, Self reports them to XXXX, XXXX, and XXXX. If you make <em>your</em> payments on time, this will help <em>build</em> up <em>your</em> <em>credit</em> score.\n\nOnce you provide this information, Self runs a check on XXXX. \n\nSimilar to running <em>your</em> <em>credit</em>, this system checks <em>your</em> bank account <em>history</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> repair services"]},"sort":[13.039817,"4585544"]},{"_index":"complaint-public-v1","_id":"7378857","_score":12.905874,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I started my application for a home loan with Bank of America. I spoke to XXXX XXXX ( NMLS ID : XXXX ) about how I can qualify for the Bank of Americas Community Affordable Loan Solutionprogram. We discussed my income, my credit score, my successful completion of an approved Homebuyer Education course, and other qualifications. We reviewed - in detail - that although I earn income from various sources, only sources that show a 2-year history will qualify as income in the context of an underwriters assessment. And under that definition, he assured me that I have an annual income that qualifies me for the Community Affordable Loan Solution. \nOn XX/XX/XXXX, I was introduced to XXXX XXXX ( XXXX ID : XXXX ), who was to serve as my Lending Client Associate. I was told that he would be assisting me with submitting all documents needed to assess whether I met the qualifications for the Community Affordable Loan Solutionprogram. On XX/XX/XXXX, I submitted all W2s for XXXX and XXXX, along with a document that outlined how I earn income from multiple sources. Text from the document explained that I have one primary job wherein I earn an annual salary. That job- which I have been at since XX/XX/XXXX- is the only source of income that I have held without interruption for the past 2 years. And that- I was told- was the only job that qualifies under the programs definition of annual income. I was told that all other income sources would not be counted towards total income because I did not hold those jobs for 2 or more years. Using that one source of income as my sole qualifying income source is the reason that XXXX proposed a {$210000.00} loan request. Calculating that loan amount was predicated on the {$88000.00} that I earn annually from that one job - the only job that I held for a period of 2 or more years. \nTo eliminate any confusion and provide complete transparency into my finances, on XX/XX/XXXX I submitted an additional document illustrating the numerous jobs that I have held since XXXX. A document titled Income Sources Visualized.pdf plotted all of my part-time, seasonal, contract, and freelance work on a timeline. That timeline showed that only one job spanned a continuous XXXX period. All other jobs were short term, and none of them exceeded 2 years of continuous tenure - a fact which would disqualify them from being considered income in the income qualification component of the Community Affordable Loan Solutionprogram. \nAnd so, since my income documents were accepted without pushback or rebuttal, I operated under the premise that my income qualifies for the program. Based on what I was told by XXXX XXXX and XXXX XXXX, I qualified. Over the course of 2 months I submitted additional documents : bank statements, copies of checks, signed letters explaining the source of deposits, etc. And as the process continued, no indication that I was not qualified for the Community Affordable Loan Solutionprogram was given. \nOn XX/XX/XXXX, I received a call from XXXX XXXX, XXXX notifying me of Bank of Americas plans to cancel my loan application. After weeks of confirming that I qualify for the Community Affordable Loan Solutionprogram, XXXX XXXX conveyed that the ( unnamed ) underwriter assigned to my application determined that my total annual income exceeded the maximum allowable amount for the program. This underwriter did not adhere to the definition of income that was defined as only jobs with a 2-year history. But rather, they took into account money that I received as payment for jobs that I have held temporarily. As a result, my loan was disqualified and subsequently canceled. \nThe problem is that this method for evaluating my income flies in the face of - not only conventional wisdom - but also all accepted fundamental laws of actuarial science. The reason that lenders only consider 2 years of continuous employment with a single employer as income is because that factor is a strong predictor of the borrowers future earnings, and therefore portend a high probability of loan repayment. Conversely, any temporary, seasonal, freelance, or contract work that does not show a consistent income stream over a 2 year period are not counted towards income because future earnings from such ventures are unpredictable. \nAdmittedly, over the last 2 years, my total earnings have exceeded the median household income for my metro-area. But those earnings came from jobs dependent on conditions related to the coronavirus. As the pandemic-era job growth comes to an end and remote work starts to wane, my ability to earn as much as I have in the last 2 years will diminish. The only steady income source I have- the one that serves as a predictor of future income- is the one primary job that I have held for the last 2 years ; and that is the only income source that should be measured in my evaluation. In deciding to count my short-term money streams toward my annual income, the underwriter disputes all generally-accepted mathematical and statistical methods for loan processing. Your underwriter is inflating the amount of future earnings over the life of a 30-year mortgage. \nFurthermore, after receiving assurances that my income would qualify me for the loan program, the Bank of America ran my credit - an action that decreased my XXXX XXXX by XXXX points. If anyone had let me know that my income would be a disqualifier before they ran my credit, I would not have proceeded with the application, and my credit score would not have been adversely affected by Bank of Americas inquiry. Running an individuals credit under false pretenses is a violation of the Fair Credit Reporting Act ( FCRA ) along with numerous consumer protections afforded to me under the Consumer Financial Protection Bureau. \nLosses I sustained from the Bank of Americas professional negligence include a lower credit score - and not to mention - the pain and suffering I incurred from being subject to an arbitrary months-long audit of my finances that ultimately robbed me of realizing my dream of owning a home. \nHomeownership strengthens our communities and can help individuals and families to build wealth over time, said XXXX XXXX, the head of Neighborhood and Community Lending for Bank of America. The Community Affordable Loan Solution is supposed to help make the dream of sustained homeownership attainable for people who work hard, pay their debts, and are ready to commit to serving their communities. Everything about my profile shows that I am a shining example of the type of customer that your bank wants to lend to. I earn a respectable income ; I have a stellar rental history ; my credit score is in the top 20 % of all Americans. And yet, this process has made it more difficult for me to own a home at every turn. How can I win if the goal post keeps moving?","date_sent_to_company":"2023-08-11T05:02:41.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"33323","tags":null,"has_narrative":true,"complaint_id":"7378857","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-08-11T04:46:17.000Z","state":"FL","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":["Everything about my profile shows that I am a shining example of the type of customer that <em>your</em> bank wants to lend to. I <em>earn</em> a respectable income ; I have a stellar rental <em>history</em> ; my <em>credit</em> score is in the top 20 % of all Americans. And yet, this process has made it more difficult for me to own a home at every turn. How can I win if the goal post keeps moving?"]},"sort":[12.905874,"7378857"]},{"_index":"complaint-public-v1","_id":"7425851","_score":12.420066,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. \nnew credit card See your offers 2collections Total balance : {$840.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX \nBalance {$490.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX owl-branch When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. \n\nNegotiating the debt Disputing the debt Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. \n4inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX  credit file is unlocked. \nLocking your credit file can help prevent unauthorized access. \nfile unlocked More on XXXXXXXX Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for two years but only impact your FICO Score for the first year. Also, FICO may group loan inquiries together so you aren't penalized for shopping for a better rate.\n\n0public records This is where public records, such as bankruptcies, would appear on your report. \n\nCREDIT CARDS Get more with the right card You could build credit, earn rewards or reach your financial goals with a card from one of our partners.\n\nSee your top card Owls branch CREDIT 101 Curious about credit?\n\nowl bubble Gain a deeper understanding of how credit works and pick up tips for improving your credit scores. \n\nLearn more FAQs What is a credit report? \n\nWhat is included in a credit report? \n\nWhat is not included in a credit report? \n\nWhere does the information in your credit reports come from? \n\nWill checking your credit reports hurt your credit score? \n\nWhen is your XXXX credit report updated? \nSEQUIUM ASSET SOLUTION Original creditor : XXXXXXXX XXXX Balance details 0 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$350.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. \nStatus updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name SEQUIUM ASSET SOLUTION Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I have previously disputed the original Debt as fraud with XXXXXXXX XXXX XXXX and account was closed and removed a few weeks later this company pops up seeking same debt that was removed as fraud this company needs to come off all 3 credit bureau reports","date_sent_to_company":"2023-09-27T13:29:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44112","tags":null,"has_narrative":true,"complaint_id":"7425851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2023-08-20T03:47:49.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>CREDIT</em> CARDS Get more with the right card You could <em>build</em> <em>credit</em>, <em>earn</em> rewards or reach <em>your</em> financial goals with a card from one of our partners.\n\nSee <em>your</em> top card Owls branch <em>CREDIT</em> 101 Curious about <em>credit</em>?\n\nowl bubble Gain a deeper understanding of how <em>credit</em> works and pick up tips for improving <em>your</em> <em>credit</em> scores. \n\nLearn more FAQs What is a <em>credit</em> report? \n\nWhat is included in a <em>credit</em> report? \n\nWhat is not included in a <em>credit</em> report?"],"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":[12.420066,"7425851"]},{"_index":"complaint-public-v1","_id":"10906097","_score":12.096042,"_source":{"product":"Checking or savings account","complaint_what_happened":"Introduction This complaint is about Chime. \n\nChime is a financial technology company that offers banking services. Chime provides banking services through XXXX XXXX XXXX XXXX. or XXXX XXXX, XXXX, both of which are FDIC members. \n\nThey offer a variety of financial products. I have the following accounts with them : XXXX Savings XXXX Checking XXXX Credit Builder XXXX XXXX History I opened a Chime Credit Builder account to help build my credit and rise my XXXX score. The XXXX XXXX XXXX works similarly to a secured credit card, except that the credit line fluctuates based on the amount of money I deposit into the account i.e., today I may have {$2000.00} in that account, so I can spend {$2000.00}, the next day I may have only {$500.00}, and that is the amount that I can spend and so on. \n\nOn Thursday, XXXX XXXX, 2024, at XXXX XXXX, I received my payroll Direct Deposit ( XXXX ) into my Chime Checking account in the amount of {$900.00}. Previous to this, Chime had advanced me through my Chime XXXX account, {$260.00}. The XXXX account advances you a percentage of your XXXX payroll. The minute your XXXX hits, the account Chime instantly takes the repayment due them and any associated fees. In this last instance on XX/XX/year>2024 it took out {$260.00} + {$4.00} in fees automatically. The repayment is reported to the credit bureaus as I repay the funds, I have been advanced, and works in conjunction with the XXXX XXXX account to reflect as payments in my credit reports, therefore, theoretically helping me build credit. \n\nThus, as my XXXX came in on XX/XX/year>, Chime automatically withdrew the {$260.00} due them and {$4.00} of MyPay repayment fees ( see exhibit A ). \nImmediately thereafter, on XX/XX/year> at XXXX pm, a Chime auto-transfer supposedly transferred the balance of my XXXX in the amount of {$630.00} from my Chime Checking account into my Chime XXXX XXXX account ( {$900.00} - {$260.00} - {$4.00} = {$630.00} ) as per exhibit A. \n\nHowever, the {$630.00} was never deposited or reflects in my XXXX XXXX account as only {$2.00} reflects as my available balance in that account ( see Exhibit B ), therein negating me the ability to use these funds, feed my family and pay my bills. \nFurthermore, no amount of calling Chime, speaking to supervisors or emails has resolved the missing {$630.00} which Chime claims to have auto-transferred to my XXXX XXXX Account XXXX \n\nI have received an email from Chime where they take responsibility for the funds not reflecting into the XXXX XXXXXXXX  account, and where they admit that there is a GLITCH in their system which they promised to fix within a few hours to reflect the {$630.00} ( see Exhibit C ). They have not kept their promise. \n\nIt has been several days now of back-and-forth communication with Chime and I still have not been credited my hard-earned money of {$630.00} as promised by Chime. It is extremely exacerbating to have to go through this humiliation, and to what I call in laymens terms a theft of my hard own money from Chime. I can just imagine that this may be going on with other customers, as they claim that there is a glitch in their system. \n\nI am the father of XXXX young children, I live paycheck to paycheck. I work long hours to support my family. To have one of your paychecks disappear from your bank account into thin air by the fault of your banking institution, is a horrendous financial and emotional hardship. Todays economy is very difficult, I have bills and responsibilities to meet. For 3 days I have not had money to feed my children. They woke up on Saturday with nothing to eat. A family member helped me to buy some basics so I could feed my family during the weekend but have no food hereafter. My family and I are suffering a great financial and psychologically trauma. I am experiencing XXXX. It is very difficult to cope at this time. \n\nI have no funds to put gas in my car, buy a XXXX meal or pay my utilities and rent etc. \n\nThe egregious actions of Chime are hurting my family and me exponentially. \n\nPlease investigate Chime for these atrocious acts. \n\nThank you.","date_sent_to_company":"2024-11-24T21:47:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"10906097","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-11-24T21:22:26.000Z","state":"MO","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have the following accounts with them : XXXX Savings XXXX Checking XXXX <em>Credit</em> Builder XXXX XXXX <em>History</em> I opened a Chime <em>Credit</em> Builder account to help <em>build</em> my <em>credit</em> and rise my XXXX score."]},"sort":[12.096042,"10906097"]},{"_index":"complaint-public-v1","_id":"8071064","_score":11.787926,"_source":{"product":"Credit card","complaint_what_happened":"I had this credit card for a while and of course during XXXX did not use my cards often and wasnt traveling. I had accumulated close to XXXX travel rewards points on this card which I was told would never expire as long as the card was active. \nDue to XXXX and dealing with ongoing XXXX XXXXssue for my XXXX  after severe XXXX  and now the damages it caused, we had not really been traveling or using a lot of our cards. \n\nPreviously, I had several issues when trying to use the card where the card didnt work or took several times to work and finally in XXXX I asked for a new card. According to the customer service rep the new card was mailed out and 3 days after that they closed my account. \n\nI was never told I was at risk for that or that there were any issues. Id never missed a payment and my credit score is in the mid XXXX 's. \n\nClosing a credit account can cause a drop in your credit score as well. Again I was never told the account was in danger of being closed and I had talked with them several times right before it was done. \n\nWe asked the card to be mailed where we were staying, but did not receive it before we left. When I called back to change addresses I was told a new card was being sent also never received. We finally decided to deal with it later. That was XXXX. \n\nWe knew were were planning a trip in XXXX and figured we would sort it out then. \nThis is when we found out the account was closed. \n\nWe did not get notice of this. More importantly the almost XXXX rewards points were worth close to XXXX in cash value and they simply closed the account making it not an active account this taking those. \n\nOne agent said the account was inactive for an extended period of time and so it was closed. Well had anyone said that was a problem and provided me with a card that worked I would have been using it. We have plenty of other credit cards and have even gotten notices after XXXX from a couple stating that due to non use the accounts could be closed by a certain date if there was not use on the account. For a couple we opted to close them. For others we made sure we began using them. The point is we were notified. With the XXXX card we were not. \n\nMoreover, my XXXX  and I both have other Capitol one cards that do not have rewards tied to them and that havent been used in ages but those arent cancelled. When I asked about that I was told they dont generally cancel cards unless there is a problem or a history of non payment or abuse etc.. There was no such history. I think they saw a way to not have to pay out those rewards and the account being idle and cancelled it. \n\n\nMeanwhile Money that I earned on that account by using it and fulfilling my obligations was taken from me without my notice or consent. \n\nEven worse was that we were considering transferring a sum of money over into a Capitol One high yield interest account, but hadnt done it yet because we were nervous about doing this with basically a credit card company over our traditional bank. \nWell things like this certainly dont inspire or build trust.","date_sent_to_company":"2023-12-28T18:36:06.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"544XX","tags":null,"has_narrative":true,"complaint_id":"8071064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-28T18:12:23.000Z","state":"WI","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["When I asked about that I was told they dont generally cancel cards unless there is a problem or a <em>history</em> of non payment or abuse etc.. There was no such <em>history</em>. I think they saw a way to not have to pay out those rewards and the account being idle and cancelled it. \n\n\nMeanwhile Money that I <em>earned</em> on that account by using it and fulfilling my obligations was taken from me without my notice or consent."],"product":["<em>Credit</em> card"],"issue":["Trouble using <em>your</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.787926,"8071064"]},{"_index":"complaint-public-v1","_id":"17567101","_score":11.554522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I purchased something that costed like {$5.00}. And I use a bank called XXXX and they have a different process when it comes to credit cards .. so they have a thing called credit builder right? Most of the time you use your own money not borrowing.. \n\nOkay, so, you deposit money into your account right then you could move it over to your credit builder, and use that as your credit limit. Say you have {$100.00} on there ( of your own hard earned money ), then that's all you can spend .. so say you spend {$5.00} at a store right .. after that XXXX  will show something saying \" pay off your balance '' option and it's going to say and in this example it'll show {$5.00} owed .. so all I do is, usually, I click pay off balance right away after the purchase so I don't forget.. Otherwise XXXX will report it to the credit bureaus as owed .. if you don't click pay off balance before they report to credit bureaus, then, it'll mark it as owed. Even though nothing is owed, because it's literally your money being used. It's just their system they use to build credit, I guess, even a XXXX employee explained that to me when this happened at the very first time.. \nSo the first time it happened, it was with TransUnion I think too. I disputed it and they took it off cuz I explained what XXXX  does.. but on XX/XX/year> I bought something for {$5.00} and I didn't press pay off balance right away I waited like till XX/XX/year> to click the button which must have been after the reporting period because they still listed it as owed on my TransUnion credit report .. and they took some points off for that, so I tried to dispute it. XXXX emailed me saying it was an accurate report or something, and I tried to explain to them how their own system works. XXXX of their employees told me how their system works a long time ago .. After the first time this happened I pressed payoff balance every time I did a purchase, literally right after purchasing anything. It was this XXXX time I forgot to do it right away that it got reported as owed again, so I tried to get it off by disputing it. Again XXXX was saying it was accurate, and I argued with them saying it wasn't. And then I got frustrated in some time past cuz I didn't know what to do, I thought they might fix it, I don't know if a month passed or so but when I checked my credit score I noticed my TransUnion score said \" -- - ''. I was scared I was wondering what happened. Upon looking into it further, I realized it said my XXXX account was removed.. I talked to both of TransUnion and XXXX, TransUnion tried to say it must have been XXXX cuz they don't have that power to do that, and XXXX was trying to say it must have been TransUnion.. I got tired of being in a cycle of going back and forth so I just didn't deal with it and now it's been a year.. I really hope you guys can help me restore my credit score on TransUnion to exactly the way it was and the history too .. cuz I know it's been a year since it's happened but my credit history should still be long and still should include this year too because my time account is still remaining open and my other scores like FICO and XXXX have not been affected so it's just for some reason only TransUnion .. please please help me I'm so tired of not being able to have my score when I've worked so hard to have XXXX.. ) :. I can't attach the phone call logs because I think that's on my old phone, but I do have XXXX email conversation that I screenshot, so that I could show you that I contacted them on XXXX this year. I think that's when I noticed the score was dropped for \" owing ' like I think it was like {$5.00} or something I don't know .. either way .. don't know where they got {$5.00} from cuz technically my purchase was way less than {$5.00} but that was the only purchase I've made on that credit for a while that I didn't click \" pay off balance ' manually even though like I said it was never owed money never borrowed it was my own hard-earned money that I earned from work. Cuz I have a safe credit building feature that will it does it does click that button too but I think it waits for a certain date and only does it once I think it would be more efficient if it did it after every purchase.. but I digress I attached a screenshot of my XXXX with the purchase in question and above the purchase it says that I paid off my balance so I'm showing you how it works kind of but it's hard to show you directly without like purchasing something and then showing it how it shows up on my XXXX. Also I was very upset when I was replying to that email that XXXX wrote me about the information being accurate. The first time I dealt with it it was a very tedious/arduous process, and it took months for me to remove that XXXX little dispute of owing {$12.00} supposedly.. They took it off the first time because they realized I was right. Yet this is literally the same exact scenario as that first instance, so why wouldn't they take it off again? Instead they just removed the whole account off, what, to be Petty? that is super wrong and unprofessional I need help. I attached some screenshots of XXXX  to show certain things about XXXX, and like I showed the area where it says {$0.00} balance due that's the area where you have to like see how much you supposedly owe and then make a payment and it when you press make a payment it doesn't take any money off because it basically that button is just to report it as paid, because it was our money to begin with and it was already paid and taken off the account just not reported until that button is pressed.. I did screenshot some things related to my TransUnion score to show some timelines.","date_sent_to_company":"2025-11-28T23:07:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91977","tags":null,"has_narrative":true,"complaint_id":"17567101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-28T23:07:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["And I use a bank called XXXX and they have a different process when it comes to <em>credit</em> cards .. so they have a thing called <em>credit</em> builder right? Most of the time you use <em>your</em> own money not borrowing.. \n\nOkay, so, you deposit money into <em>your</em> account right then you could move it over to <em>your</em> <em>credit</em> builder, and use that as <em>your</em> <em>credit</em> limit."],"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":[11.554522,"17567101"]},{"_index":"complaint-public-v1","_id":"11841703","_score":11.26476,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX and Chase Bank ( USA ) presented me with a benefit offer that has not been honored and was fraudulent and misleading. \n\nIn XX/XX/XXXX, when purchasing XXXX XXXX flight tickets, I was offered a XXXX mile bonus by XXXX XXXX and Chase Bank at time of checkout in conjunction with a Chase credit card account. This was a large value of points towards XXXX XXXX XXXX and motivated me to buy tickets from XXXX XXXX and use the Chase Credit card more extensively than I would have otherwise. Via the XXXX XXXX website, I was offered the bonus, applied for the account, and was given a Chase Bank and XXXX XXXX XXXX credit card. I had carefully read all terms and conditions and taken notes of all terms and language at the time of signup. The offer is still being issued today on the XXXX XXXX and Chase Bank websites and promotional material in exactly the same manner and has since increased to a XXXX mile offer for the same credit card. \n\nThe stipulated terms offered a bonus award of XXXX XXXX miles upon the charge of {$3000.00} XXXX on the account within the first 3 months. There were no other stated obligations. I was given the card, paid a $ XXXX annual fee, and charged over $ XXXX on the card in the next 3 months. This according to all stated terms would satisfy this offer terms. \n\nI waited the requisite XXXX weeks for the bonus to be processed and did not receive the points. I called both XXXX XXXX and Chase Bank to request the points and was initially ( XX/XX/XXXX ) told the points were in process and would be credited. After waiting another few weeks I called both parties. XXXX XXXX confirmed that I was due the offer, but Chase Bank at that time ( XX/XX/XXXX below ) informed me that I was found not eligible, with no further explanation. \n\nI have noticed that the card documentation provided by Chase Bank with my credit card conspicuously did not mention the XXXX bonus, even when clearly stated in the past and current online terms ( see below ) and reiterated by XXXX XXXX customer service and initially by Chase. I have contacted XXXX XXXX customer service and Chase Bank for copies of documentation of this offer and was told that they do not have any documentation available to share. I am copying below the Benefit offer as was presented to me at the time and is still currently used to market this card and live links to these offers. This is a clear effort to bait and switch customers and fraudulently provide a product that differs greatly in value from the centrally advertised feature. \n\n\n\n\nNOTES : Existing Offers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Statement : Your account isn't eligible for the bonus offer you requested Your account ending in XXXX Dear XXXX : We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts.\n\nSi n c er el y, Car d S er v i c es XXXX Card Offer Details Offer Details Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply. \nEarn Up To XXXX Bonus Points XXXX Bonus Points After You Spend {$3000.00} On Purchases In The First 3 Months From Account Opening : This product is not available to either ( i ) current cardmembers of the Chase XXXX XXXX, or ( ii ) previous cardmembers of the Chase XXXX XXXX who received a new cardmember bonus for this card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. \nTo qualify for the additional XXXX XXXX points after 13 months of account opening, the annual fee for the second year of card membership must have posted to your Chase XXXX account and paid in full. After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your Chase XXXX account. To be eligible for this bonus offer, the account must be open and not in default at the time of fulfillment. \nEarning Points : Rewards Program Agreement : For more information about the Chase XXXX card rewards program, view the latest Rewards Program Agreement ( PDF ) Opens in a new window. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window. \nHow you can earn points : Youll earn points on purchases of products and services, minus returns or refunds, made with a Chase XXXX XXXX by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count and wont earn points : balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made with XXXX XXXX directly. Purchases of gift cards ; car rentals, hotel bookings, and other third-party partner products and services that can be purchased through aircanada.com Opens Overlay ; and onboard Wi-Fi are excluded. XXXX XXXX tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants will not qualify. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made in any of the following rewards categories : grocery stores ; dining at restaurants including takeout and eligible delivery services. XXXX point ( XXXX points ) : Youll earn XXXX point for each {$1.00} spent on all other purchases. Information about earning/transferring points to XXXX : Points will be automatically transferred to XXXX after the end of each billing cycle. Points expiration : The points transferred to your XXXX XXXX account wont expire as long as your card account is open. If your card account is closed, the expiration of points earned in this program that are transferred to your XXXX XXXX account will be governed by the XXXX Program General Terms and Conditions Opens Overlay, available on XXXX XXXX website. Losing points : Youll immediately lose all points that havent been transferred to XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories : Merchants who accept XXXX credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note : We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant wont qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. \nXXXX XXXX Checked Bags You, as the primary cardmember, and up to XXXX ( XXXX ) other passengers traveling on the same reservation ( up to a maximum of XXXX ( XXXX ) travelers ), are each entitled to a free first checked bag up to XXXX. Benefit only applies when checking in with XXXX XXXX, for a flight operated by XXXX XXXX XXXX XXXX XXXX XXXX or under the XXXX XXXX XXXX brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary ( for example, as a result of XXXX XXXX XXXX or fare purchased ), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. Chase is not responsible for the provision of, or failure to provide, the stated benefits. For more information on baggage restrictions, please visit aircanada.com/baggage Opens Overlay. \n500 Monthly Bonus Points You, as the primary cardmember, will earn XXXX bonus points for each {$2000.00} spent each calendar month on up to {$6000.00} in purchases ( for a possible total of XXXX bonus points each calendar month ). Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to XXXX weeks after qualifying purchases post to your account for bonus points to post to your XXXX account. To receive bonus points, your credit card account must be open and not in default at the time of fulfillment. Bonus points will be credited to the calendar month in which the qualifying transaction posts to your credit card account. Delays by a merchant, such as for shipping, could extend a transaction date into the next calendar month. \nXXXX XXXX Status for New Cardmembers You, as the primary cardmember, will receive XXXX XXXX Status for the calendar year in which your Chase XXXX XXXX account is opened and for the following calendar year. If you have earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ), you will retain the higher status. This benefit is not available to current or previous cardmembers who received this benefit of the credit card within the last 60 months. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nMaintain or Qualify for XXXX XXXX XXXX Status Each calendar year in which you spend at least {$15000.00} in purchases you, as the primary cardmember, will earn XXXX XXXX Status through the following calendar year. Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that year. Please allow XXXX ( XXXX ) to XXXX ( XXXX ) weeks after qualifying for XXXX XXXX XXXX to be applied to your XXXX account. If you earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ) you will retain the higher status. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX Status Level Up to XXXX XXXX Status or higher Each calendar year you spend at least {$50000.00} in purchases, you, as the primary cardmember, will earn an XXXX XXXX Status Level Up benefit consisting of a one-level increase of your status for the next calendar year. For example, if during a calendar year you spend {$50000.00} in purchases and have otherwise earned XXXX XXXX Status for the next calendar year, your status will increase from XXXX XXXX to XXXX Status for the duration of the next calendar year and will drop down to your otherwise earned XXXX Status at the beginning of the calendar year after that, unless you earn a higher status or another XXXX XXXX Status Level Up benefit. Your status can only be increased through this benefit once per calendar year. The benefit always applies to the status you otherwise earn and is not cumulative year to year. This means if you earn the benefit in consecutive years, and otherwise qualify for XXXX XXXX Status in both years, that this benefit will increase your status to XXXX XXXX Status in both years ; the second increase will not build from the previous years increased level of XXXX XXXX Status and increase your status level to XXXX XXXX Status. If you earned the highest XXXX status level, XXXX XXXX XXXX Status, for the next calendar year in accordance with Air XXXX XXXX XXXX Status Terms and Conditions, and also spend {$50000.00} with the Chase XXXX XXXX, instead of an XXXX XXXX Status Level Up benefit you will receive XXXX ( XXXX ) XXXX XXXX Status to gift to another XXXX member for the next calendar year. More details about qualifying for XXXX XXXX XXXX can be found at aircanada.com/elitequalification Opens Overlay. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that calendar year. XXXX XXXX XXXX and access to all associated features, benefits, services, and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be active and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nUse XXXX Points With Pay Yourself Back XXXX Points XXXX be redeemed for a statement credit using Pay Yourself Back toward eligible purchases made with your XXXX card within 90 days from the purchase date. Categories, including promotional categories, eligible merchants, and purchase transaction eligibility XXXX change from time to time. Redemption values will be shown on the transaction page prior to redemption. Redemption values XXXX be changed at any time. We may apply a maximum amount of points you can use with XXXX points redemption with Pay Yourself Back from time to time. Statement credits will post to the card account within XXXX business days of a request to redeem and will appear on the monthly Chase credit card billing statement within XXXX to XXXX weeks. Statement credits will reduce your balance, but you are still required to make at least your minimum monthly payment. Chase reserves the right to determine which purchases qualify for a statement credit. Only XXXX XXXX earned under the XXXX Program, the Chase XXXX XXXX, and Chase Ultimate Rewards can be used for Chase Pay Yourself Back. Points converted from other programs are not eligible. For information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. If XXXX determines, in its sole discretion based on its data, that you have redeemed ineligible XXXX XXXX, Aeroplan reserves the right to reverse your point redemption or freeze your XXXX XXXX account. You will be responsible for any balance on your credit card account resulting from a reversal. \nOver XXXX Destinations Number of destinations based on the published route network Opens Overlay of XXXX XXXX and its airline partners. \nXXXX XXXX : For flight rewards comprising travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges XXXX apply. For full details please visit XXXX XXXX XXXX Terms and Conditions Opens Overlay. \nPreferred Pricing : You, as the primary cardmember will often require fewer XXXX points to redeem for flight rewards through the XXXX program than XXXX Members who do not hold an XXXX co-branded Credit Card. XXXX pricing for flight rewards applies only to flight rewards with XXXX XXXX, not on other airlines. Chase is not responsible for the provision of, or failure to provide the stated benefits. Visit aircanada.com/aeroplan Opens Overlay for full details. Feature may be changed, withdrawn or extended at any time and can not be combined with any other offer.\n\nXXXX XXXX or XXXX  XXXX  or XXXX  Application Fee Statement Credit You will receive XXXX statement credit every XXXX years ( up to {$120.00} ) after the first program ( either XXXX XXXX or XXXX XXXX or XXXX  ) application fee is charged to your Chase XXXX Card by you or an authorized user. This benefit applies only to the XXXX XXXX, XXXX XXXX  or XXXX  programs, other XXXX XXXX XXXX are not eligible. Only purchases made directly with the U.S. Department of Homeland Security, eligible partner listed on ttp.cbp.dhs.gov/, or authorized enrollment providers featured on tsa.gov/precheck website are eligible for reimbursement. Purchases made through any third parties, such as travel agencies or application assistance services, are not eligible for reimbursement. The statement credit will appear on your credit card billing statement within XXXX billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by XXXX or XXXX or XXXX. For more information about the XXXX XXXX, XXXX XXXX and XXXX programs, including application details and full terms and conditions, go to ttp.cbp.dhs.gov/. Websites and other information provided by government agencies are not within Chase 's control and may not be available in XXXX. To receive statement credits, your account must be open and not in default at the time of fulfillment. \nXXXX XXXX is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.\n\nConcierge Service : Cardmembers are responsible for the cost of any goods or services purchased through XXXX XXXX XXXX. \nXXXX XXXX 10 % Bonus on Chase XXXX Rewards Point Transfers If you, as the primary cardmember, also have an eligible Chase credit card with Ultimate Rewards, you will be eligible to receive a 10 % bonus after you transfer XXXX or more Ultimate Rewards points in a single transaction to XXXX. Maximum of XXXX bonus points per calendar year. Bonus points will be awarded by XXXX and will post in your XXXX account within 7 days after your transfer is complete. XXXX Rewards transfers into an authorized users XXXX account or any XXXX account other than the primary cardmembers, will not be eligible for the 10 % bonus. Your Chase XXXX XXXX account must be linked to your XXXX number and must be active and not in default at the time the bonus points are credited to receive the bonus points. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX : XXXX XXXX XXXX does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the XXXX Services number on your card or billing statement. \nAccount Alerts : Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.\n\nScore Improvement : This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your XXXX. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the XXXX XXXX model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional ( s ).\n\nCardmembers Eligible for Chase Pay Over Time : Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Credit Cards for Chase Pay Over Time After Purchase : Participating Chase credit cards include most consumer credit cards and select small business credit cards. For a complete list of participating Chase credit cards, see Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made at chase.com/personal/credit-cards/chasepayovertime/faqs/after-purchase Opens in a new window. Participating Credit Cards for Chase Pay Over Time at checkout on XXXX : Participating Chase credit cards include all credit cards except XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX cards, and Chase XXXX XXXX cards. \nPurchases Eligible for Chase Pay Over Time Set Up After Purchase Purchases of at least {$100.00} are eligible, excluding certain transactions such as ( a ) cash-like transactions, ( b ) any fees owed to us, including Annual Membership Fees, and ( c ) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase XXXX XXXX. \nXXXX, the silver circles design and XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. \nXXXX XXXX XXXX The XXXX number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the XXXX account of the traveler. Please allow up to XXXX hours after the Chase XXXX XXXX is approved for these benefits to be activated. Your Aeroplan account must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon Aeroplan account closure, regardless of reason for closure, or if the credit card product is changed. XXXX membership and benefits are subject to the XXXX Program Terms & Conditions ( aircanada.com/aeroplan-termsandconditions Opens Overlay ) and any applicable XXXX XXXX terms and conditions relating to a benefit, as determined by XXXX XXXX in its sole discretion and as XXXX be changed from time to time. Chase is not responsible for the provision of, or failure to provide, the stated benefits. XXXX XXXX is a registered trademark of XXXX XXXX used under license by XXXX XXXX XXXX is a registered trademark of XXXX XXXX XXXX used under license. \nChase XXXX credit cards are issued by JPMorgan Chase Bank , N.A . XXXX FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offers subject to change.","date_sent_to_company":"2025-01-30T00:10:04.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"14701","tags":null,"has_narrative":true,"complaint_id":"11841703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-29T23:53:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["This means if you <em>earn</em> the benefit in consecutive years, and otherwise qualify for XXXX XXXX Status in both years, that this benefit will increase <em>your</em> status to XXXX XXXX Status in both years ; the second increase will not <em>build</em> from the previous years increased level of XXXX XXXX Status and increase <em>your</em> status level to XXXX XXXX Status."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.26476,"11841703"]},{"_index":"complaint-public-v1","_id":"7295752","_score":10.4325285,"_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":["I am writing to share my unfortunate experience with a bank, which has left me deeply dissatisfied with their handling of my <em>credit</em> 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 <em>credit</em> <em>history</em>, and to <em>build</em> it, I opened a secured <em>credit</em> card with the bank. Over time, I was able to open a second <em>credit</em> card with them, and my first secured card was successfully unsecured."],"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":[10.4325285,"7295752"]},{"_index":"complaint-public-v1","_id":"5724538","_score":10.117761,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent an email to ask Wards and Monroe and Main to report my full credit history since opening both cards in XXXX bc it will help me as I rebuild my credit. Between the 2 store revolving charge cards, Ive made 5 purchases and paid them in full over several payments. I am just asking that be reported as well as my credit line increase from {$750.00} to {$850.00} on my Monroe and Main revolving store charge card. \n\nIn the past, Wards and XXXX both reported to the credit bureaus on the XXXX and the XXXX. Since the full payment history wasnt reported as requested, after I spoke to their credit department, sent an email to their credit department and disputed through the credit bureau process, I am now contacting CFPB to intervene on my behalf. \n\nI am still asking that my complete credit history with the companies be reported as well as my credit line increase for my revolving store charge cards. \n\nhttps : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 As you can see from the companies FAQs online page : both Wards and XXXX advertise that they report complete payment history for their store branded revolving charge cards and one way they offer credit is by sending out catalogues with pre-approved limits to potential customers, which is how I came to find out about each store. \n\nWhen I considered opening these charge cards, I called their customer service to find out more. I knew that after the cards were open 90 days and had a balance, they would start reporting to the credit bureaus and they would report complete credit history of their store branded revolving credit cards. I was also told in a conversation with customer service they would stay open if they were in good standing for a year and then possibly close due to inactivity if no purchases were made. Their FAQs advertise how they can help build credit history. I decided to open these cards and order products and rebuild my credit with positive payment history due to these reasons. I have made 5 purchases and paid each off. In between purchases my accounts were not closed. The credit was available to be used for new purchases without reapplying. They are open revolving charge cards. They are open today. ( I mention all this bc as I will explain XXXX, not only moved my revolving charge cards to other loans, which they are not by their own companies website, they also marked them closed ) ALL I AM ASKING FOR IS : my COMPLETE PAYMENT HISTORY be reported for my Wards and XXXX  cards. From XXXX to XXXX. The companies report payment totals from the XXXX and last of the month. \nreport my CREDIT LINE INCREASE on my XXXX  card from {$750.00} to {$850.00} which has been active for a few billing cycles. This helps rebuild credit score as well. I should not be denied the benefit of the credit line increase I earned from good payment history. \nmy REVOLVING STORE CHARGE CARDS return to that section of my credit reports where they belong ( because thats what they are and it is also stated on both WARDS and XXXX  websites ) it is also where they were since the cards first started reporting on my credit reports and were for many updates over months. They were only placed in a different category, which isnt reflective of they type of credit they are after I requested a COMPLETE PAYMENT HISTORY. They seem persecutory and retaliatory for requesting a complete payment history and UPDATED CREDIT LINE INCREASE. I dont think I should be punished for merely asking for what the company advertises because it will help me as I rebuild credit. Their so not right. I have been a good customer, who made 5 purchases and paid off each of those purchases on my OPEN REVOLVING STORE CHARGE CARDS over 1-2 months as required. All payments made on time. More than the minimum paid. \nXXXX to mark my Wards and XXXX  revolving store cards as OPEN XXXX, XXXX and XXXX to return my REVOVLING STORE CHARGE CARDS to the section of my credit reports they were 1st listed, the proper one, that describes they credit product they are. Where the rest of Wards and XXXX customers have their cards reported It shouldnt be this hard to request a complete payment history or updated credit line increase. \n\nIf I could send you the total of payments I made for each card I would but the statements in my online store accounts are not hyperlinked and never have been, except for the last statement when there is still an amount owing. That is all I have asked for. For Wards and XXXX  to send the COMPLETE PAYMENT HISTORY, total of payments made on each card : ( and CL increase on MM ) TOTAL PAYMENTS MADE ON WARDS AND XXXX  CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I could just tell you the totals from looking at my statement I would, if that made it easier. \n\nThese are the purchases I have made at each online store : The are generally due after 30 days after purchased. Wards has a minimum of {$10.00} per month, XXXX {$20.00} per month. After each payment my revolving store charge card remained open to make new purchases and they are open now. They have reported on the XXXX and XXXX in the past. I dont care if the companies dont report on month where there are no purchases. I just want credit for all the purchases and payment I made because unless I am incorrect, that is my right and is fair credit practices. \n\nWARDS Order History : ( after each order my account remains open, is open today ) Minimum payment of {$10.00} per month, 30 days or more after purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 MONROE and MAIN Order History : ( after each order my account remains open, is open today ) Minimum payment of {$20.00} per month, 30 days or more after purchase depending on date of purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 RESOLUTION : WARDS and MONROE And MAIN report my complete credit history ( as they advertise they do ) to the 3 main credit bureaus XXXX, XXXX, XXXX update to reflect my complete payment history from XXXX - XXXX the 3 credit bureaus all update my XXXX card to reflect my credit line increase from {$750.00} to {$850.00}. I made a minimum of one purchase after the increase but I believe it was 2 purchases after my credit line increase so it shouldve been already reported. \nXXXX to mark my cards as OPEN which they are XXXX, XXXX AND XXXX to make sure my WARDS and MONROE and MAIN REVOLVING STORE CHARGE CARDS are reported under the correct category, along with other revolving open loop credit cards and closed loop revolving store charge cards. \n\nIt is BIZARRE that they were moved to other loans and/or marked closed and it seems like a retaliation for requesting a accurate reporting of COMPLETE CREDIT HISTORY and possible because I said I opened these cards to help improve and keep my credit utilization % under 30 which 100s of 1000s of article on credit building recommend. It is when I carefully chose to become a new Wards and MONROE and Main customer. I knew they cards remain open, would not be closed until there had been inactivity. There has been no inactivity. I knew they would improve credit utilization %. I dont think there is anything wrong with saying thats why I opened them and thats how they benefitted me. I benefitted them by making purchases and paying on time and with a little interest. I should not be punished by having my accounts which reported for several updated reports over months under the correct category of revolving store charge/credit cards moved to other loans as a punishment bc it is less beneficial to my credit rebuilding. My WARDS and MONROE and MAIN should be reported the same way all the rest of their customers have their cards reported, like they were for months. \n\n\n\n\n\nhttps : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 Does Montgomery Ward report to credit bureaus? \n\nWards reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and ==> the complete payment history. <== Does Monroe & Main report to credit bureaus? \n\nMonroe & Main reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the ==> complete payment history. <== On-time payments to your Monroe & Main Credit account are an effective way to build a strong credit report and improve your credit score. \n\nHow does Montgomery Ward Credit work? \n\nIn many ways, Wards Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. \n\nWards Credit is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage. \n\nHow does Monroe & Main Credit work? \n\nIn many ways, Monroe & Main Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. \n\nHow do I apply for Montgomery Ward Credit? \n\nWards offers credit to thousands of people each year. Most credit accounts are opened in response to a ==> pre-approved credit offer that was included in a catalog <== ( how I became a customer ) or offered online. \n\nTo CFPB : It should not be this difficult to ask a company to update my report with a complete payment history. It should not result in having a revolving store charge card moved to a less beneficial category which is inaccurate as a punishment for simply requesting information that is accurate that can benefit a consumers credit report. It should not be this difficult to request an accurate reporting of a credit line increase. A request for a complete payment history should not result in having accounts that are open marked as closed. This should all be corrected ASAP bc its hurting my ability to apply for credit and causing me so much grief and taking so much time. It was a simple request. It should have been a simple solution. \n\nI will include a number of screen shots and documents but I can send more such as the dates of all reports that showed my Wards and XXXX  cards reported in the correct Revolving / STORE CHARGE / CREDIT CARD categories where they belong if necessary Both cards are open today, I could use my WARDS {$480.00} limit and MONROE and MAIN {$850.00} to make purchases from their store if I chose to right now. They are not closed and have never been in between purchases.","date_sent_to_company":"2022-06-30T11:19:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48060","tags":null,"has_narrative":true,"complaint_id":"5724538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2022-06-30T10:51:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Information reported includes all relevant historical information, including the account open date and the ==> complete payment <em>history</em>. <== On-time payments to <em>your</em> Monroe & Main <em>Credit</em> account are an effective way to <em>build</em> a strong <em>credit</em> report and improve <em>your</em> <em>credit</em> score. \n\nHow does Montgomery Ward <em>Credit</em> work?"],"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":[10.117761,"5724538"]},{"_index":"complaint-public-v1","_id":"5724541","_score":10.114893,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent an email to ask Wards and Monroe and Main to report my full credit history since opening both cards in XXXX bc it will help me as I rebuild my credit. Between the 2 store revolving charge cards, Ive made 5 purchases and paid them in full over several payments. I am just asking that be reported as well as my credit line increase from {$750.00} to {$850.00} on my Monroe and Main revolving store charge card. \n\nIn the past, Wards and XXXX both reported to the credit bureaus on the XXXX and the XXXX. Since the full payment history wasnt reported as requested, after I spoke to their credit department, sent an email to their credit department and disputed through the credit bureau process, I am now contacting CFPB to intervene on my behalf. \n\nI am still asking that my complete credit history with the companies be reported as well as my credit line increase for my revolving store charge cards. \n\nhttps : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 As you can see from the companies FAQs online page : both Wards and XXXX advertise that they report complete payment history for their store branded revolving charge cards and one way they offer credit is by sending out catalogues with pre-approved limits to potential customers, which is how I came to find out about each store. \n\nWhen I considered opening these charge cards, I called their customer service to find out more. I knew that after the cards were open 90 days and had a balance, they would start reporting to the credit bureaus and they would report complete credit history of their store branded revolving credit cards. I was also told in a conversation with customer service they would stay open if they were in good standing for a year and then possibly close due to inactivity if no purchases were made. Their FAQs advertise how they can help build credit history. I decided to open these cards and order products and rebuild my credit with positive payment history due to these reasons. I have made 5 purchases and paid each off. In between purchases my accounts were not closed. The credit was available to be used for new purchases without reapplying. They are open revolving charge cards. They are open today. ( I mention all this bc as I will explain XXXX, not only moved my revolving charge cards to other loans, which they are not by their own companies website, they also marked them closed ) ALL I AM ASKING FOR IS : my COMPLETE PAYMENT HISTORY be reported for my Wards and XXXX  cards. From XXXX to XXXX. The companies report payment totals from the XXXX and last of the month. \nreport my CREDIT LINE INCREASE on my XXXX  card from {$750.00} to {$850.00} which has been active for a few billing cycles. This helps rebuild credit score as well. I should not be denied the benefit of the credit line increase I earned from good payment history. \nmy REVOLVING STORE CHARGE CARDS return to that section of my credit reports where they belong ( because thats what they are and it is also stated on both WARDS and XXXX  websites ) it is also where they were since the cards first started reporting on my credit reports and were for many updates over months. They were only placed in a different category, which isnt reflective of they type of credit they are after I requested a COMPLETE PAYMENT HISTORY. They seem persecutory and retaliatory for requesting a complete payment history and UPDATED CREDIT LINE INCREASE. I dont think I should be punished for merely asking for what the company advertises because it will help me as I rebuild credit. Their so not right. I have been a good customer, who made 5 purchases and paid off each of those purchases on my OPEN REVOLVING STORE CHARGE CARDS over 1-2 months as required. All payments made on time. More than the minimum paid. \nXXXX to mark my Wards and XXXX  revolving store cards as OPEN XXXX, XXXX and XXXX to return my REVOVLING STORE CHARGE CARDS to the section of my credit reports they were 1st listed, the proper one, that describes they credit product they are. Where the rest of Wards and XXXX customers have their cards reported It shouldnt be this hard to request a complete payment history or updated credit line increase. \n\nIf I could send you the total of payments I made for each card I would but the statements in my online store accounts are not hyperlinked and never have been, except for the last statement when there is still an amount owing. That is all I have asked for. For Wards and XXXX  to send the COMPLETE PAYMENT HISTORY, total of payments made on each card : ( and CL increase on XXXX ) TOTAL PAYMENTS MADE ON WARDS AND XXXX CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I could just tell you the totals from looking at my statement I would, if that made it easier. \n\nThese are the purchases I have made at each online store : The are generally due after 30 days after purchased. Wards has a minimum of {$10.00} per month, XXXX {$20.00} per month. After each payment my revolving store charge card remained open to make new purchases and they are open now. They have reported on the XXXX and XXXX in the past. I dont care if the companies dont report on month where there are no purchases. I just want credit for all the purchases and payment I made because unless I am incorrect, that is my right and is fair credit practices. \n\nWARDS Order History : ( after each order my account remains open, is open today ) Minimum payment of {$10.00} per month, 30 days or more after purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 MONROE and MAIN Order History : ( after each order my account remains open, is open today ) Minimum payment of {$20.00} per month, 30 days or more after purchase depending on date of purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 RESOLUTION : WARDS and MONROE And MAIN report my complete credit history ( as they advertise they do ) to the 3 main credit bureaus XXXX, XXXX, XXXX update to reflect my complete payment history from XXXX - XXXX the 3 credit bureaus all update my XXXX  card to reflect my credit line increase from {$750.00} to {$850.00}. I made a minimum of one purchase after the increase but I believe it was 2 purchases after my credit line increase so it shouldve been already reported. \nXXXX to mark my cards as OPEN which they are XXXX, XXXX AND XXXX to make sure my WARDS and MONROE and MAIN REVOLVING STORE CHARGE CARDS are reported under the correct category, along with other revolving open loop credit cards and closed loop revolving store charge cards. \n\nIt is BIZARRE that they were moved to other loans and/or marked closed and it seems like a retaliation for requesting a accurate reporting of COMPLETE CREDIT HISTORY and possible because I said I opened these cards to help improve and keep my credit utilization % under 30 which 100s of 1000s of article on credit building recommend. It is when I carefully chose to become a new Wards and MONROE and Main customer. I knew they cards remain open, would not be closed until there had been inactivity. There has been no inactivity. I knew they would improve credit utilization %. I dont think there is anything wrong with saying thats why I opened them and thats how they benefitted me. I benefitted them by making purchases and paying on time and with a little interest. I should not be punished by having my accounts which reported for several updated reports over months under the correct category of revolving store charge/credit cards moved to other loans as a punishment bc it is less beneficial to my credit rebuilding. My WARDS and MONROE and MAIN should be reported the same way all the rest of their customers have their cards reported, like they were for months. \n\n\n\n\n\nhttps : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 Does Montgomery Ward report to credit bureaus? \n\nWards reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and ==> the complete payment history. <== Does Monroe & Main report to credit bureaus?\n\nMonroe & Main reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the ==> complete payment history. <== On-time payments to your Monroe & Main Credit account are an effective way to build a strong credit report and improve your credit score. \n\nHow does Montgomery Ward Credit work? \n\nIn many ways, Wards Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. \n\nWards Credit is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage. \n\nHow does Monroe & Main Credit work?\n\nIn many ways, Monroe & Main Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. \n\nHow do I apply for Montgomery Ward Credit?\n\nWards offers credit to thousands of people each year. Most credit accounts are opened in response to a ==> pre-approved credit offer that was included in a catalog <== ( how I became a customer ) or offered online. \n\nTo CFPB : It should not be this difficult to ask a company to update my report with a complete payment history. It should not result in having a revolving store charge card moved to a less beneficial category which is inaccurate as a punishment for simply requesting information that is accurate that can benefit a consumers credit report. It should not be this difficult to request an accurate reporting of a credit line increase. A request for a complete payment history should not result in having accounts that are open marked as closed. This should all be corrected ASAP bc its hurting my ability to apply for credit and causing me so much grief and taking so much time. It was a simple request. It should have been a simple solution. \n\nI will include a number of screen shots and documents but I can send more such as the dates of all reports that showed my Wards and XXXX cards reported in the correct Revolving / STORE CHARGE / CREDIT CARD categories where they belong if necessary Both cards are open today, I could use my WARDS {$480.00} limit and MONROE and MAIN {$850.00} to make purchases from their store if I chose to right now. They are not closed and have never been in between purchases.","date_sent_to_company":"2022-06-30T11:20:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48060","tags":null,"has_narrative":true,"complaint_id":"5724541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2022-06-30T11:19:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Information reported includes all relevant historical information, including the account open date and the ==> complete payment <em>history</em>. <== On-time payments to <em>your</em> Monroe & Main <em>Credit</em> account are an effective way to <em>build</em> a strong <em>credit</em> report and improve <em>your</em> <em>credit</em> score. \n\nHow does Montgomery Ward <em>Credit</em> work?"],"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":[10.114893,"5724541"]},{"_index":"complaint-public-v1","_id":"18434769","_score":9.473785,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX  Product Type XXXX XXXX XXXX  Installment loan ( or select \" Other financial service '' and describe as short-term cash advance via mobile app ) XXXX XXXX Company XXXX XXXX XXXX Block, Inc. ( doing business as Cash App ) XXXX XXXX Issue : XXXX XXXX  Unfair, deceptive, or abusive acts or practices ( UDAAP ) related to lending terms, limit adjustments, and pressure to engage in unwanted spending. \n\nXXXX XXXX  Summary of Complaint XXXX XXXX XXXX I have been using Cash App for over a year without ever setting up direct deposits or depositing any funds into the Cash App account. The Borrow feature ( short-term cash advances, each a separate closed-end loan with a flat fee ) was offered to me unsolicited. I began borrowing small amounts, repaying them on time or early every time, as a way to build reliability for future needs. \n\nOver approximately one year, Cash App repeatedly and voluntarily increased my Borrow limit based solely on my consistent, timely repaymentsno spending threshold was required initially, and I never requested these increases. The limit reached what I believe was the maximum available at the time ( or close to it ) through this repayment history alone. \n\nRecently ( after the introduction of Cash App Green status in XX/XX/year> ), Cash App reduced my Borrow limit because I did not meet the $ 500 monthly spending requirement on qualifying purchases via the Cash App Card or Cash App Pay. This reduction occurred despite my perfect repayment record and no prior requirement to spend a specific amount through their app to maintain the higher limit. \n\nThis practice feels deceptive and misleading because : - The initial limit increases were presented as rewards for responsible repayment, implying ongoing access based on that behavior. \nXXXX The later condition ( spending XXXX XXXXXXXX to retain or regain higher limits via XXXX  status ) was imposed after the fact, creating a \" bait-and-switch '' where access depends on routing unnecessary everyday spending through XXXX XXXX pressuring me to shop more to keep borrowing power I earned through repayments. \n- I do not deposit money into Cash App and have no obligation to use it as my primary spending platform. Banks and lenders are supposed to help with financial stability and saving, not require increased spending to maintain credit access. \n\nThis design pressures users into more spending and potential debt cycles, which is particularly harmful for individuals with addictive personalities, gambling issues, or compulsive spending tendenciesit could XXXX  financial stress or push toward unnecessary borrowing/shopping just to preserve access. The terms may disclose discretion over limits, but the shift from repayment-based to spending-based maintenance feels unfair and XXXX, taking advantage of users who built trust through good behavior.\n\nI have not experienced direct financial loss yet, but the reduction limits my ability to access emergency funds responsibly, and the pressure to spend more is coercive. I request the CFPB investigate whether this violates UDAAP standards under the Consumer Financial Protection Act, especially for non-traditional short-term lending products like Cash App Borrow.\n\nGiving someone loan privileges when they dont even have money deposited to your application would be considered risky, especially if they have addictive personalities. Why are they offering the service? Is it a form of entrapment to get you to keep paying or to get you to put a direct deposit on, Im unsure. Why would you loan money to people if you dont even know if they have an income","date_sent_to_company":"2026-01-03T00:38:35.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"26508","tags":null,"has_narrative":true,"complaint_id":"18434769","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-03T00:29:42.000Z","state":"WV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I began borrowing small amounts, repaying them on time or early every time, as a way to <em>build</em> reliability for future needs. \n\nOver approximately one year, Cash App repeatedly and voluntarily increased my Borrow limit based solely on my consistent, timely repaymentsno spending threshold was required initially, and I never requested these increases. The limit reached what I believe was the maximum available at the time ( or close to it ) through this repayment <em>history</em> alone."]},"sort":[9.473785,"18434769"]},{"_index":"complaint-public-v1","_id":"3045220","_score":9.470867,"_source":{"product":"Checking or savings account","complaint_what_happened":"Personal and Business Accounts and Credit Card Account I am writing your company today with serious concerns about my previous banking relationship with Wells Fargo organization. On XX/XX/XXXX in the year of XX/XX/XXXX, I deposited {$20000.00} in a State of XXXX branch. This {$20000.00} was for opening a business and saving account. A few days later I deposited {$17000.00} in a personal checking and saving accounts. At some point, I made a few more signifant deposits into Wells Fargo. During the month of XX/XX/XXXX, I moved to the State of XXXX. The first address I began to use was in XXXX, XXXX. \nAt this time I owned a company by the name of XXXX XXXX XXXX dba XXXX XXXX XXXX.XXXX XXXX  This firm engaged in the business of retail clothing, economic development, public/private partnerships and consulting. During this move to XXXX, I needed to build a relationship with a local Wells Fargo branch so I can have a smooth transition into the State of XXXX. I was referred to the Wells Fargo location in XXXX XXXX XXXX XXXX in XXXX, XXXX  XXXX. During this visit I sat with a business banker, XXXX XXXX. \n\nDuring the visit I began to speak about my business history and goals. At this point in juncture, Ms. XXXX began to speak about the things Wells Fargo can assist me with my business goals in XXXX. During this time in my life, I had a credit score of 660-680 spread out through all credit bureaus. I also had few credit cards with XXXX XXXX and XXXX XXXX. Ms. XXXX insisted I should open up more accounts within the branch. \n\nMy goals were to see how the bank could assist me with relocating my business in XXXX XXXX. I told her I was looking at numerous locations to place my business in XXXX  and I wanted to make sure my finances were sustained. She advised on opening up an additional 2-3 accounts. I was told splitting up my funds would be a good financial strategy to build a relationship with the bank and received a line of credit or a loan. \n\n\n\n\n\n\n\nShe also insisted I get a secure credit card with my funds to build credit within the banking institution. Please understand, at this time I was financially solvent and my credit score was in good shape. I proceeded to listen to Ms. XXXX advice and I believed in her plan for my company was in line with the strategy of the bank. I interacted with a few of your banking employees and other individuals within the XXXX XXXX location. I was led to believe to this branch had my best interest and guidance with my funds, and a solid plan for my business. \n\nI followed the plan laid out from Ms. XXXX with my funds with opening these extras accounts, and putting money towards a credit card. I started asking how could the bank help me with a line of credit or a loan with my funds already in the bank. Ms. XXXX and your organization led me to believe this strategy she had for my funds was standard within the bank. Overtime I started to sense there was a problem. Ms.XXXX  and I spoke throughout this process and she always seemed to be busy after the initial opening of these accounts. She believed asking me to come to the branch and us speaking in person with other associates within the branch seeming friendly would keep me in a naive state concerning my business with Wells Fargo. \n\nI applied for the loan and line of credit eventually, and of course I was denied. ( Most recently in XXXX during a mediation hearing, Isaw a falsified loan document a way less than I applied for. Wells fargo employee XXXX XXXX send this document the day before my mediation hearing. This is after the XXXX XXXX District Attorneys office ruling for mediation. I also contacted them about this new tactics and Wells fargo breaking the rules in a mediation hearing. ) In XXXX=XXXX I received a call from the Wells Fargo branch back home in XXXX, XXXX. My original banker XXXX XXXX immediately told me I had too many accounts opened at this XXXX XXXX branch. She let me know I didnt need this many accounts and there was no way to justify opening this amounts of accounts at this branch. She said she would start to shut down some of these accounts. I proceeded to tell her why, and she stated it makes no sense for me to have that many accounts to receive any additional support from Wells Fargo. \nI also spoke with a branch in downtown XXXX  with a business associate within the bank and he said I was giving bad financial advice. He also proceeded to tell me he has seen worse within the Wells Fargo system. This is all before the scandal broke out with Wells Fargo opening numerous accounts without customers knowledge. By me taking this advice and believing in Ms. XXXX actions, this increased my burn rate with my business and projects for XXXX  XXXX XXXX. I was also treated very disrespectful by your credit card department as well for payments on a card account I never actually needed. And everytime I visited another branch in the valley of XXXX  or anywhere else, I was questioned about my business dealings. Your employees constantly looked for a angle to asked questions about my finances to sell me products and services. I always felt uncomfortable with your employees approach. \nThese actions by your institution sent me on a downward spiral with the loss of a trademark, lawyer fees for my trademark, my credit score and the positioning of my business to at least be sustained moving forward. These actions also caused mental anguish and a spiral of negativity with my business and personal life. Its caused harm, loss of opportunities with projects, working with credible institutions I was looking to trade, and do business with. The confusion caused by Wells Fargo hindered me from making well informed financial decisions concerning my personal life, and business life. \n\n\n\nI also spoke with the district attorneys of XXXX XXXX and they proceeded to speak with me concerning my issues within your organization. \nThis was before a settlement was made with their office. I still do not understand how the first settlement to XXXX XXXX DA office benefits the customers and the businesses that was harmed by your institution. \n\nI am looking to rectify this situation with some level of payment to make me whole from the losses I incurred, the trademark being lost, the lawyers fees I incurred and the lost of revenues for XXXX  XXXX XXXX. My credit score has dropped tremendously and by following the advice of Ms. XXXX I loss opportunities to purchase a home as well. Up until me banking with your institutional I constantly worked on projects and built a successful sustained organization. \n\nI have worked with and partnered with some very credible companies in this country. My career has spanned from scoring film, public/private partnerships in government, TV commercials and mentorship from some very elite members of society. XXXX XXXX, ( XXXX XXXX ) a XXXX and XXXX XXXX company, XXXX, City and State Government, and XXXX just to name a few. \n\nOne key point is Ms. XXXX XXXX called my telephone from ( XXXX ) XXXX on XX/XX/XXXX at XXXX eastern time. I have not spoken with Ms.XXXX  for over 3 years because I had to give up my apartment in XXXX XXXX and move back across the country to XXXX. Obviously she felt internally, or spiritually this problem she caused, would be getting addressed. \nThe uprooting of my life and business has cost me numerous funds, missed opportunities and a major setback to my professional life. \nI have since spoken with a few employees within different branches and they constantly say they would have never opened up that many accounts. I look forward to hearing from you, your bank and someone in upper management. \nAs of now, I am out of over high 7 figures in gross receipts and 7 figures in net income along with missed opportunities from major corporations to carry one of my trademarked brands. I lost real estate investment opportunities because of how things were handled. Once again this situation increased my burn rate rapidly by being misled by your banking institution. My firm has not recovered economically since being involved with this XXXX XXXX, XXXX Wells Fargo branch. \nLast but not least during a mediation session on XX/XX/XXXX, Wells Fargo empoyee XXXX XXXX witheld 120 pages of contracts. Lawyers bills for trademarks, earned media, and leases with one of top developers on the east coast whom I was conducting a new opening for my business with. \nI am looking forward to there being some sort of mediation, funds for the damages done to my personal life, my trademark, the loss of revenue for XXXX XXXX XXXX and XXXX XXXX XXXX. I have had a total of 8 accounts Wells Fargo. I have direct damages from your company in the excess of {>= $1,000,000} US Dollars for loss of revenue. I have another {>= $1,000,000} in losses in direct losses behind the actions of your company. Hopefully we can come to some sort of resolution. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX Wells Fargo Account Numbers Personal Checking way2save XXXX Personal Savings way2save XXXX Gold Business Service Package XXXX XXXX  XXXX LLC Business XXXX XXXX  XXXX XXXX Business XXXX XXXX  XXXX XXXX Business XXXX XXXX  XXXX XXXX","date_sent_to_company":"2018-10-13T20:13:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"3045220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-10-13T20:01:32.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I was told splitting up my funds would be a good financial strategy to <em>build</em> a relationship with the bank and received a line of <em>credit</em> or a loan. \n\n\n\n\n\n\n\nShe also insisted I get a secure <em>credit</em> card with my funds to <em>build</em> <em>credit</em> within the banking institution. Please understand, at this time I was financially solvent and my <em>credit</em> score was in good shape. I proceeded to listen to Ms. XXXX advice and I believed in her plan for my company was in line with the strategy of the bank."]},"sort":[9.470867,"3045220"]},{"_index":"complaint-public-v1","_id":"5309320","_score":9.194563,"_source":{"product":"Debt collection","complaint_what_happened":"My complaint is against Synchrony Bank. I was deceived into business with Synchrony by PayPal credit products ... .line of credit and credit card.\n\nDuring the pandemic I experienced a loss of income and was on a limited budget. I had to reach out to ALL of my creditors and 99 % of them worked with me throughout the entire duration of the pandemic! They were understanding and we're happy and courteous. Synchrony Bank the 1 % ONLY offered deferment 3 times!! Compared to 8-10 months by other creditors, I had ZERO late payments prior to the pandemic! 100 % on time payments. The other creditors understood that and we're willing to work with me to maintain a good relationship! Synchrony did not care!\n\nI called several times asking for more help post the initial 3 times they deferred, I was repeatedly told no!! I was discriminated against! From that point I began to receive MANY phone calls multiple a day every day! I initially answered and again requested help, I was again unfairly denied. I felt harassed, discriminated against and even more depressed during the height of the pandemic, I had already been told NO when I requested help EVERYTIME since the initial 3 times since XX/XX/XXXX. I didn't pick up the phone just hoping they would stop! The calls persisted, often switching between different numbers. I remember ( XXXX ) XXXX, Ohio, and ( XXXX ) XXXX, Florida. The fact that I have those area codes memorized speaks volumes to the harassment and stress induced by Synchrony. \n\nThe last time I spoke with them they tried to force me to close my account and get on a so called \" customer assistance program '' which they DO NOT tell you doing so will damage your credit. The first time they offered that I declined and told them I don't want to have the account closed I am trying to build my credit and don't want a closed account as the pandemic is not my fault and my financial status at that time was not due to my own negligence or money mistakes. I just paid as soon as I could and as frequently as I could! \n\nSynchrony followed through with reporting negatively to the credit bureaus during the height of the Pandemic in XXXX! None of my other creditors not even my car loan, I have a 100 % payment history with all of my creditors EXCEPT Synchrony! \n\nThis is HIGHLY unfair, discriminatory, deceptive, and predatory! I did NOTHING to deserve such treatment. I should've NEVER been harassed with a bombardment of phone calls from Synchrony bank. Their representatives are extremely rude, cold, heartless, and completely UNWILLING to work with you. When I call them again the ONLY option I was given was to make my account a NEGATIVE one by agreeing to close it. I later find out the close it and state that the account was closed by the creditor which was NOT stated when they offered there so called \" customer assistance program '' it was made to sound as if \" I '' was the one closing it being they asked for my permission and agreeance to do so!\n\nI have contacted them directly multiple times to get those late payments removed. I feel and know they were wrong! They bullied me, forced me into agreeing to close it by not giving me any other options. They fell short of offering continued assistance as did ALL other major banks. They harassed me by calling MULTIPLES TIMES A DAY! They caused me to be under severe anxiety, stress and XXXX. Synchrony has changed the course of my families financial future by placing negative marks on my credit report and refusing to remove them which are set to be on there for 7 years!!! I am being punished as if I created the Corona virus and caused financial hardship. \n\nSynchrony has been completely heartless, and have failed to provide empathetic service. I would have NEVER chosen to be a customer of Synchrony. I was under the impression that I was getting PayPal credit line and a PayPal credit card. I guess in the small text I was actually getting into a relationship with Synchrony. \n\nCustomer service has been abhorrent and heartless! I have contacted them in every way possible, via phone, email, prior complaints, reaching out to the CEO, the office of the president, and via XXXX which yielded abhorrent customer care. That representative had the audacity to tell me as I was expressing my complaint, she says \" you realize you just talking to a regular customer service agent right? '' I say to her, '' then why am I speaking to you? '' They have failed to correct their wrong. They actually looked as if they were going to right this wrong, they corrected it partly but out of retaliation they went back and added negative remarks to my credit report, corrected part of the payment mistakes, then went back and reversed it and placed NEW history on my report for XXXX. The account was NOT active in XXXX. This behavior by Synchrony is wrong and they need to be held accountable for this behavior. \n\nSynchrony is so big that they don't care about me the customer, they only care about their bottom line. They are knowingly deceptive and earn more off of people with credit/financial problems which is why they make it easier for those with such credit profiles to obtain credit from them. They fail to educate the very people who have made mistakes because of a lack of financial education. They refuse to work with you even during a pandemic, Synchrony employees are trained to NOT be lenient, they want you to STAY in the challenged credit class! WHY??? BECAUSE THAT IS THEIR TARGET AUDIENCE/MARKET! They want you to STAY financially damaged and challenged! Therefore when you need credit again, you are more than likely are forced to come back to them. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  ALL have credit education to help you become educated, free credit alerts and checks, with user friendly interfaces. They are willing to allow you to build a relationship with them and XXXX day qualify for higher credit products. Synchrony seeks out the financially/credit challenged and wants you to stay there. Synchrony 's has a systemic history of deceptive practices, discrimination, harassment, and predatory practices that ingrained into their culture! They are too big to care and all of their employees are trained to enforce their systemic rude habitual negligent predatory culture! An employee who called me as I was sitting in my doctors office waiting for him to o enter named XXXX XXXX @ the office of the president told me verbatim to just \" give it up, nothing is going to change! '' With a snarky giggle! They are ABSOLUTELY the rudest most disgusting people ever!! This company takes pride in making the lives of their customers miserable and they gain satisfaction from doing so, and often in antagonistic ways! \n\nI want to be completely done with this company so that I can move on from this nightmare, I didn't ask to be in a realationship with them. I am tired of the bullying by them, and their deceptive practices. I want ALL 3 credit bureaus and subsequent reporting agencies corrected. I still have a PayPal credit card with them that I would also like to get rid of, but don't want closing it to negatively affect my credit!","date_sent_to_company":"2022-03-11T06:40:36.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"77057","tags":"Servicemember","has_narrative":true,"complaint_id":"5309320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-03-11T01:08:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["The last time I spoke with them they tried to force me to close my account and get on a so called \" customer assistance program '' which they DO NOT tell you doing so will damage <em>your</em> <em>credit</em>. The first time they offered that I declined and told them I don't want to have the account closed I am trying to <em>build</em> my <em>credit</em> and don't want a closed account as the pandemic is not my fault and my financial status at that time was not due to my own negligence or money mistakes."],"sub_product":["<em>Credit</em> card debt"]},"sort":[9.194563,"5309320"]},{"_index":"complaint-public-v1","_id":"3122709","_score":8.878511,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX When i became aware of an account being reported from my bank credit card department that it is reporting i retain 2 accounts with Equifax. \nEquifax is a Credit reporting facility to which has retrieved Dispute dealing communications with a bank credit card department in removing the inaccurate reporting. Those months it took was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX proceeding XX/XX/XXXX and then it was removed equifax reported the account accurate 1 time in their correction, process. \n. Again XX/XX/XXXX, Equifax reports inaccurate information. Equifax has already been advised i do not have 2 accounts with XXXX XXXX credit card i retain \" ONLY '' 1. \nin that complaint submitted to Equifax. \nWell i do not see how or what i would have to go thru all the issues again in XX/XX/XXXX .hereon after in it equifax reporting 1 retain 2 accounts. \nI think Equifax may have public opinion in any manner would be its reporting is a positive on my account. Unless you are applicant you need to listen and correct from being my dependent. I hope you understand these rights. \nthe account holder for it to be reported as 2 independent accounts i hold only 1 account with XXXX   XXXX  and use it independelty why do i have a dependent on my account titled XXXX XXXX $ XXXX/XXXX XX/XX/XXXX i am accounting independelty for the dependency to remove. \nXXXX XXXX XXXX XXXX XXXX / XXXX and XXXX XXXX XXXX XXXX it is equifax or company reporting it our claiming to be dependents. These are the facts. \\. In XXXX on XX/XX/XXXX Equifax received a Letter in Notice from the investigation of a IRS and input of keys internally conducted and letter was mailed to Equifax from I. I am the prepared of the facts of law. The truth is if you really look at it Equifax has misused my identity and do not appear as if they can comprehend. \n\n. Equifax appears after i mailed to them the contents my credit file report is missing reporting to customer no accounts, no credit score etc. \nhow is it i am to rebuild a credit history for my self. \nDo you believe i am XXXX  years of age and create a credit file for me on bases of publication prepared by the IRS. \nI am not a identifiable person at the age of XXXX. My credit File created in XXXX I was first reported and a today 's everyday life things. \nI do understand equifax does not have to process information if they do not want to. Wherefore the internal documents have been processed and i would not had been told directly by the IRS to process service to Equifax unless service was denied process by Equifax XXXX XX/XX/XXXX : I am oblige to the IRS So i hope you understand my direction at this time are : Real Estate in a Deceased Estate. Equifax use it as a identification theory. The Deceased Estate is my business Real Estate income? \" What am i deprived. '' Do you seek special Attention? 2. department of Treasury IRS identity theft mark accounts, and placing id theft indicator on account. Equifax deleted all accounts, and all history in XXXX after receipt of the IRS letter dated XXXX My independent rights 1 on 1 with Equifax was revoked I do believe the Department of Treasury. IRS in properly identifying I, and my resources hold a lot more authority over Equifax. Do you have rights to not process my tax reporting. How come i do not see relevancy of Equifax processing 2 Identity theft indicators 1 Employment 2 Credit Cards , Financial & Tax. Why have Equifax limited my resources. to credit of XXXX or so i am told i do not need a credit score to get credit. Are you I? \nIf we evaluate its not a matter of breach its a matter of civil opinion in what equifax will process and what it wont process and is statistical law is unbalanced of adjudications we all hold but only to 1 equality of acts of a personal profile is identity by naturalization laws. \nWhy do you prevail my rights as that you only really reply when a demand is ordered. If i were to demand i would seek relief from the IRS in that i have tried repeatedly for Equifax to return my identity of resources going back to XXXX to properly report my credit useage on hand that my indemnification is some other act of Equifax and refuse to correct, I therefore seek relief so i can pay accounts and rebuild a credit file as Equifax seeks i retain it to pay its right the right i do not retain but to some order am mandadted by equifax if i want credit for ability of economic flow Article i can add if i must add to its rights. In addition i s right to have value in life and will seek to eact according to Equifax with prima facie evidence to the IRS to sent the 1099 C to equifax will all publications and declare it my tax break of my identity upheld or demurred by equifax deduction for life. I will explain to the IRS. Even thou i have already earned it they have eliminated my credit ability.from date of income first job tier reported to the Department of Treasury The internal revenue services. \nBy background Equifax has a clear view of A. XXXX Chapter XXXX B. XXXX thru XXXX IRS Investigation letter of internal rule processor of letter to Equifax C. XXXX a new credit file created new accounts - XXXX XXXX activated in XX/XX/XXXX or XX/XX/XXXX D. Equifax made consumer agree with XXXX credit score and 0 credit accounts after serviced letter from IRS. No correction has been given as to the financial, tax and credit cards preference XXXX US Title XXXX Tile XXXX US Bankruptcy. a new credit file is XX/XX/XXXX and inaccurate in eviormental fule factors at one time rpeorted by equifax but no longer sustainable by processors of equifax rceipt o f letter form the IRS XX/XX/XXXX are mandating i create a new credit life. I am not party to this action of Equifacx We have a disagreement. I am not party to your acts. I seek resolution. Therefore if resolution is not given in the identity and credit factors of XXXX XXXX XXXX XXXX reporting twice in proper to report accurate while im on hold while Equifax completes the information in task of credit identity file Real Estate and all accounts i have had with Equifax in blind of its secure holdings and information not to my accountability or access.\n\ni will seek resolution with the Department of Treasury Internal revenue servile against Equifax for the rebuttal of 1. Real Estate. 2 Employment and pay roll, 4. Length of credit History and all information incomplete in the enclosures i have provided. The estimation is as follows credit score at XXXX age XXXX at age to use what was reported as employment, income, address i was given a credit line from a XXXX XXXX in XXXX. \nSince then no matter what i buy or what line of credit is producted to XXXX or XXXX, XXXX i get a low scale rate on the idnex of inaccuarte reprting pof infrmation processed Equifax should not touch the data entry of data imput and have some point and block my internal roll call from stimulaions and points of income, tax that build the loan i am entitled to by simple input of application of more than a credit score. I am not your independent to choose credit laws that fit me because your descreation or data input says you can do so. Do you have a independent court order over the rights i retain. I have asked Equifax before, but still no reply. \nWhat is credit law in California.? Whats is a credit Score used for What Purpose? \n. I was unaware a lid of the United States bankruptcy XXXX to report my credit history to-date is 1 year and 8 month My Credit History would be years in file as a independent in name given and credit activity would be 1 year 8 months is incorrect. \n\nI will seek a internal audit of Equifax as a dependent of all populations in balances of score of i reported as XXXX by equifax to XXXX. Or remove what profile does not belong to i. \nIn all accounts Equifax was given a opportunity to comply with the XXXX XXXX Data Breach XX/XX/XXXX for all accounts i have reported inaccurate with detail, or product not received, and other issues that do not meet the Fair credit reporting to date. \n\nEquifax still reporting these accounts. \n\nI understand a new party task each complaint and equifax tried real hard to comply with the information in any case provided by customer. \nIf my credit file did not first report XX/XX/XXXX then why would you indicate on a credit file XX/XX/XXXX for resolutions of key information to complaints of information.reply. is obvious in the prior dispute re-reporting XX/XX/XXXX The customs of this complaint but not the exact principle. I bet your best friends credit file is 100 percent accurate? \n.. Now i could act to make equifax beneficial in retaining a XXXX dollar credit certificate advocate for a lawyers certificate of credit laws and request it mail letters to equifax to access and create task month to month to up an better my credit. Well for a new outlook on my credit profile sounds good. Yet once i was unable to continue to pay those month to month fees i would loose all credit restoration equifax input for I under the credit law firm to do so, i would have a defaulted credit file ... .. How do i know. I submitted the same dispute in complaint with the credit bureaus XXXX. In XXXX thru XXXX i have a law firm credit repair handle the issues. the issues then went under abstract condition the case for judgement filed with the Department of Treasury Internal revenue service XXXX XX/XX/XXXX * XX/XX/XXXX to date. We cant get much higher than this.. \n. Why am i having issues with Equifax. The way it appears from XXXX Equifax suggest i rebuild a credit file, history. The IRS information is not to any decision of Equifax holdings of prior process. Equifax in part have told me to redo my credit file to have a credit file from XX/XX/XXXX to date yet use my real estate as a identity factor suppressing my data from credit stimulation enacting that if i get a loan for {$250000.00} parcel XXXX XXXX XXXX XXXX., XXXX, ca XXXX real estate ownership on XXXX mailing date of process to Equifax XXXX Equifax has yet to input the data as it is my credit and state it as a identity verification in that to verify i have withheld my credit file from stimulation of a credit score to earn a XXXX loan for a credit score to stimulate equifax process of data of, The Department of Treasury Internal Revenue Service, XXXX XXXX Data Breach XX/XX/XXXX XXXX Reported by the General Attorney for the State of California. XX/XX/XXXX. & Banks credit card departments Complaints of inaccurate, Credit file created, History, age of credit first reported etc.. Please get the principle of the complaint while i am still awaiting for proper comply from equifax in all internal manners of notice of i, XXXX XXXX XXXX.","date_sent_to_company":"2019-01-11T22:19:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"3122709","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-11T20:20:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am not <em>your</em> independent to choose <em>credit</em> laws that fit me because <em>your</em> descreation or data input says you can do so. Do you have a independent court order over the rights i retain. I have asked Equifax before, but still no reply. \nWhat is <em>credit</em> law in California.? Whats is a <em>credit</em> Score used for What Purpose? \n."],"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":[8.878511,"3122709"]},{"_index":"complaint-public-v1","_id":"6031960","_score":6.959856,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Barclays is not resolving my dispute and not being responsible. \n\nI am XXXX XXXX XXXX, have a XXXX score of XXXX and have never done a chargeback with Barclays. Here is what happened : I paid XXXX ( XXXX ) XXXX  ( online video and animation service ) {$6200.00} between XX/XX/XXXX to XX/XX/XXXX. I paid another {$1400.00} between XX/XX/XXXX to XX/XX/XXXX. Total {$8000.00}. \nThe merchant would not do work unless prepaid. \n\nAll work was part of a Phase 1 campaign due the first week in XXXX XXXX  - invoices document most detail clearly. I have a signed document from XXXX as part of a campaign rollout for a project that was to include XXXX characters, segments, XXXX wife XXXX, etc. Again, the invoices and emails, support chats and all I provided to Barclays lays it all out and is clear. \n\nXXXX and rigging animation services are expensive and also require significant time ( so I trusted the merchant and used XXXX as a layer of protection from a previous experience with a service, unrelated ). Online they claim to work with XXXX, XXXX XXXX large companies and they told me they have a studio that works with XXXX. The signed XXXX I got from them says they have 11 years of experience, 825 clients, 59 employees, and completed 3,288 projects. They are located in XXXX, allegedly. I am in Oregon. \n\nXXXX did not deliver any of the 3-D promised projects ( animated video ) or anything in time for our agreed deadlines. Bottom line, XXXX never delivered the entire Phase 1 marketing as agreed. There was some initial turnover in staff at XXXX ( they said promotions ), so I gave them the benefit of the doubt to continue as I needed the Phase1 asap and too far in to stop and find another service. \n\nFinally, after only getting two complimentary '' XXXX videos where I provided voiceover and all video at my expense, I could not wait any longer. \n\nThis is an excerpt from the SIGNED Phase 1 proposal text from XXXX XXXX XXXX to me : Our phase 1 strategy will lay our foundation to build out phase 2 in a rapid and focused manner. We will never sacrifice quality in return to release something that does not meet our high standards. With that in mind, we anticipated having a rollout of phase one in the first week of XXXX. We talk to XXXX multiple times every day, so we are working hard to get this phase one done. We look forward to earning your trust, not by words but by results. Let 's light this rocket together! \n\nHere is the online chat with the COO XXXX XXXX ( my very first contact in XX/XX/XXXX ) of XXXX  who signed the doc for a XXXX delivery ( given to Barclays as well ) : Visitor XXXX ( XX/XX/XXXX ) *online-chat* I can not get ahold of anyone XXXX - remember all the calls- I have paid, nothing done, now on the verge of getting fired. We have time to salvage, but need to talk asap - no one reponds to me at all. What is happening? I did not do anything wrong, just keep paying- I am reasonable, you know my XXXX- please call me asap ( XXXX ) XXXX XXXX Can I fly down tomorrow to meet you? \n( XXXX ) XXXX XXXX Seems like you guys no longer care about me... we were best of friends when I started ( XXXX ) XXXX XXXX I paid all bills - immediately ( XXXX ) XXXX XXXX from my own pocket ( XXXX ) *** XXXX XXXX left the chat *** ( XXXX ) XXXX XXXX what? \n( XXXX ) XXXX XXXX you just left? \n( XXXX ) XXXX XXXX you told me I could trust you XXXX XXXX, here is part of the email I sent to XXXX from XX/XX/XXXX : From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Subject : proposal - please reply asap Hi XXXX XXXX I have tried repeatedly to make contact to no avail. We really have 2 options at this point. \n\nOne simply refund all monies. I have lost status with my group and have vouched for you beyond your understanding based on our conversations. I am the same guy never hard to communicate with. \n\nTwo Into small chance we want to work on healing our relationship and retaining me as a client quietly, I recommend we complete some baseline Annex work and eliminate half the paid order. This gives you an out. I need the XXXX and XXXX cadet content as listed below : 1. I am assigned a PM who is not new 2. You explain to me in detail what happened so we both understand and can build trust I am willing to work past if I know real truth, even if bad. \n3. I have access to the creative team instead of a constant back and forth filter it would save us all time. \n\nUltimately, nothing changed and I lost my job and salary as I was not able to deliver and a {$10000.00} bonus just for context. \n\nMy main contact kept changing from XXXX, to XXXX to a new guy named XXXX. XXXX sent some 3D drafts and I was encouraged to continue. Then they all disappeared- XXXX, XXXX and XXXX along with the XXXX XXXX whom I spoke to initially as well. \n\nAfter several calls, I was told verbally by the project manager that all of those workers as well as the CEO ( XXXX who also talked to me at the beginning ) were gone : fired for fraud. \n\nSo I was not going to get anything delivered unless new people started over. Who would reasonably continue? \n\nAt this point, they assured me verbally that they would refund my money call my bank and they would handle. \n\nApparently, that was also a lie. Barclays told me that the merchant delivered work. I assume they mean the two complimentary videos? There was not one 3-D item completed and what I paid for as Phase 1 due in XXXX  never arrived. Not one thing and I can detail as shown in invoices and in emails. \n\nI lost my job over this. Now Barclays is denying a refund, claiming several things : XXXX. Barclays first sent a letter that they investigated and they say the merchant says they delivered how? I can not prove that something didnt happen The FTC states I am not required to prove innocent I simply want them to refund they did not do anything. Put my payment history, credit and the ridiculous amount of work and hoops I am doing here against their actions it is unfair. \n\n2. I called the Barclays XXXX office. XXXX there said they would look into it. No updates. \n\n3. Today I get a letter Despite our best efforts, we were unable to obtain a credit for you from the merchants bank, and we must now consider the matter closed. How is that even my fault? I used XXXX and Barclays for the added layer of protection isnt that part of the 25 % interest and fees this card charges. I have XXXX power in this relationship and it is so wrong. My balance with Barclays would be a credit after this refund but now I owe all this for no delivery and lost my job?? \n\nXXXX appears to be straight up scammers. No one has looked at the correspondence and contact me in detail. I offered to travel - who does this when they are at fault? I reported to Barclays as soon as I saw the issue after asking for a refund from the merchant to no avail. Their entire team at XXXX working with me vanished. \n\nAgain, per my last contact, I was told they would refund the money, just call the credit card company, they will not dispute. They said that they fired all my contacts for fraud as I asked over and over where everyone is They also said they would give me 50 % off next project if I had one. No ne would trust that. \n\nBottom line, they took my money, delivered unusable content as drafts and then their team left. They missed every deadline and simply did not deliver on promises work gave me a complimentary 2-D 60 sec video 2x that was it. 100 % theft and Barclays has a fiduciary responsibility to me to refund for fraud. I have all documentation that a reasonable person can review. Is this what thew FTC and CFPB envisioned for consumer rights? \n\nI will visit whatever local office or travel to resolve this if you need me to do so. I can not afford to be swindled out of {$8000.00}. Barclays is trying to stall me so I go away, in my opinion. I will be contacting my State senator next. Then proceed based on advice.","date_sent_to_company":"2022-09-29T15:47:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"97321","tags":null,"has_narrative":true,"complaint_id":"6031960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-09-29T15:11:10.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Put my payment <em>history</em>, <em>credit</em> and the ridiculous amount of work and hoops I am doing here against their actions it is unfair. \n\n2. I called the Barclays XXXX office. XXXX there said they would look into it. No updates. \n\n3. Today I get a letter Despite our best efforts, we were unable to obtain a <em>credit</em> for you from the merchants bank, and we must now consider the matter closed. How is that even my fault?"],"product":["<em>Credit</em> card or prepaid card"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[6.959856,"6031960"]},{"_index":"complaint-public-v1","_id":"3978363","_score":6.1997347,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello XXXX, email sent to XXXX Ive copied ( Name redacted ) on this email. Attached is an authorization allowing me to speak on her behalf. This is not regarding a mortgage but a Wells Fargo bank issue regarding Wells Fargo steering ( Name redacted ) into accounts that were not needed. Before I detail the actions of Wells Fargos employees, I want to recite the recent history of Wells Fargos employee sales goals which resulted in accounts being created that were unknown to the customer and accounts that were pushed on borrowers so that employees kept their jobs. \n\nEffective XX/XX/XXXX, Wells Fargo announced that it would be ending its controversial employee sales goal program that had resulted in the fake accounts scandal. This misconduct was revealed when the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX City Attorney and the Office of the Comptroller of the Currency ( OCC ) fined Wells Fargo {$180.00} XXXX for more than 2 million bank accounts and/or credit cards that were opened and applied for without customers knowledge or permission between XX/XX/XXXX and XX/XX/XXXX. \n\nWells Fargo stated We regret and take responsibility for any instances where customers may have received a product that they did not request. \n\nOn XX/XX/XXXX, a Senate panel hearing was held wherein both Republicans and Democrats lambasted XXXX. The committee chairman, XXXX XXXX ( R-Texas ) stated : Fraud is fraud. Theft is Theft. And what happened at Wells Fargo over the course of many years can not be described any other way. \n\nIn XX/XX/XXXX, WF disclosed in regulatory filings that the SEC was investigating its sales and practices. WF stated that formal and informal inquiries, investigations or examinations were being undertaken by agencies such as the U.S. Department of Justice, congressional committees, the SEC, California state prosecutors and attorneys general. \n\nOn XX/XX/XXXX, Wells Fargo is accused by a federal agency of egregious, discriminatory and illegal practices. Top banking regulators severely downgrades Wells Fargos community lending rating. The decision is due to factors beyond the fake account scandal. \n\nOn XX/XX/XXXX, Wells Fargo settles the class action suit for {$110.00} XXXX for wronged consumers. On XX/XX/XXXX, the cost of the settlement for the class action is increased to {$140.00} XXXX. \n\nOn XX/XX/XXXX, Wells Fargo is sued for allegedly ripping of small businesses. A lawsuit accuses Wells Fargo of overcharging small business credit card transactions by using a deceptive 63-page contract to confuse them. \n\nOn XX/XX/XXXX, more fake accounts were discovered. Wells Fargo states it has found 1.4 million additional phone accounts bringing the total number of fake accounts to 3.5 million. \n\nOn XX/XX/XXXX, the Federal Reserve punishes Wells Fargo in an unprecedented move by not allowing Wells Fargo to grow its assets until the bank cleans up its act. \n\nI state all of this history as Wells Fargo has promised to federal regulators, CFPB, the SEC, Congress, attorneys general and the public that it has cleaned up its act regarding these fake accounts and steering customers to accounts not needed. However, in this instant case, ( Name redacted ) was steered by Wells Fargo to apply and purchase accounts that were not needed based on her specific needs. \n\n( Name redacted ) reached out to Wells Fargo to determine if it could assist her in processing ACH payments for her business, ( Name redacted ). ( Name redacted ) was advised by Wells Fargo to schedule an in-person meeting at the branch and to bring with her the articles of incorporation and other documents relating to her business. She was told that she needed to create a profile to be able to speak with a XXXX  representative. \n\nOn XX/XX/XXXX, ( Name redacted ) came into the branch located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. She spoke with WF employee XXXX XXXX whom she had met at a SCORE workshop. MsXXXX XXXX appeared to by soliciting business at this workshop. ( Name redacted ) was informed by a branch employee that since it was a weekend the XXXX representative was not available and that she needed to create a profile prior to speaking with the representative. This is the first that ( Name redacted ) was told that she could not complete a profile on the weekend. \n\nWhile at the branch, ( Name redacted ) inquired about the business secured credit card as she wanted to build credit for ( Name redacted ). She was informed by Ms. XXXX that she would need to have a Wells Fargo account to apply for the business secured credit card and that she could give the promotional {$300.00} is she met the number of required transactions and deposits for the account. ( Name redacted ) was advised that she had to open an account to apply for the business secured credit card so she did despite the fact that ( Name redacted ) already had three business accounts for XXXX XXXX XXXX with other banking institutions. ( Name redacted ) was required to provide her social security number to obtain the account. \n\nIt was later that ( Name redacted ) discovered via three Wells Fargo employees that the XXXX phone number could have simply been provided to ( Name redacted ). The employees also informed her that she should not have been required to submit her social security number when obtaining an account for her business as her business EIN should have been sufficient. These employees also advised her that she did not have to have an established account with Wells Fargo to apply for the secured card as she was physically in the branch at the time of the application. \n\nThe XXXX representative called ( Name redacted ) and forwarded ( Name redacted ) emails to escalate the situation as clearly Ms. XXXX should not have required ( Name redacted ) to open the account. \n\nAs ( Name redacted ) did not now trust Wells Fargo, she did not have the required balance of {$1000.00} on the 60th date to meet the criteria for opening the account. Per Wells Fargo, if ( Name redacted ) had a balance of {$1000.00} on day 60, her account would be credited {$300.00}. Clearly, this was part of the scheme, entice ( Name redacted ) to open an unnecessary account by offering {$300.00} that would be used to open the secured credit card account for her business.\n\nWells Fargo required ( Name redacted ) to open a personal account using her personal social security number when in fact that was not a requirement. ( Name redacted ) solely wanted an account for her business that would accept ACH payments. Wells Fargo should have relied only on ( Name redacted ) EIN number for the business account. Wells Fargo has caused financial harm as well as emotional harm and detriment to ( Name redacted ) by requiring her to open an account under the premise it was a requirement for her to have a business account with Wells Fargo, a requirement that is false. \n\nIn XXXX of this year, Wells Fargo agreed to pay {$3.00} XXXX to settle potential federal criminal and civil charges that, for more than a decade, the banks aggressive sales goals led to widespread consumer abuses. Under this settlement, Wells Fargo acknowledged that it had collected millions of dollars in fees as employees falsified records, forged signatures, and misused customers personal information to open fake accounts in order to meet unrealistic sales goals. XXXX XXXX stated The conduct at the core of todays settlements and the past culture that gave rise to it are reprehensible and wholly inconsistent with the values on which Wells Fargo was built. While todays announcement is a significant step in bringing this chapter to a close, theres still more work we must do to rebuild the trust we lost. \n\nIn the instant case, the account was opened with ( Name redacted ) knowledge. However, there was no need to open the personal account, to obtain ( Name redacted ) social security, as all she wanted and needed was an account for her business. It appears that Wells Fargo is playing fast and loose with its claim to stop opening fake accounts without the borrowers authority but instead to steer borrowers to unnecessary accounts to earn the fees it's lost with the fake account scheme. \n\n\nI look forward to your response.","date_sent_to_company":"2020-11-27T14:07:46.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3978363","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-11-27T13:43:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["While at the branch, ( Name redacted ) inquired about the business secured <em>credit</em> card as she wanted to <em>build</em> <em>credit</em> for ( Name redacted ). She was informed by Ms."]},"sort":[6.1997347,"3978363"]},{"_index":"complaint-public-v1","_id":"3389247","_score":5.0807734,"_source":{"product":"Mortgage","complaint_what_happened":"Consumer Complaint against XXXX XXXX  ( NMLS # XXXX ) and XXXX XXXX XXXX ( NMLA # XXXX ) DHI Mortgage Company, LTD. NMLS # XXXX XXXX XXXX  XXXX XXXX. \nXXXX XXXX XXXX, TX XXXX XXXX www.dhimortgage.com XXXX XXXX XXXX XXXXe ( NMLA # XXXX ) DHI Mortgage NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX ( NMLA XXXX ) XXXX, GA XXXX XXXX This complaint alleges age bias in the processing of my mortgage loan application. \n\nI. Bias Against the Elderly : I am a gainfully employed senior citizen who applied for a mortgage loan to purchase a second home in another state. I applied to DHI Mortgage who was identified as the \" preferred lender '' of the home builder in order to qualify for an array of incentives that were available to me as a home buyer. DHI Mortgage proceeded to harvest my personal financial information as part of the loan application process and I worked cooperatively with them to make sure that they had access to all and any related documents that were needed for the underwriting of my loan application. \n\nAround noon on XX/XX/XXXX, I received a call from XXXX XXXX, the Loan Originator to with whom I had been working from the initial start of the loan process. She told me that there was a problem with my loan application. She said that DHI Mortgage could not include any of my salary this year in calculating my qualifying income for the loan because I had said during the initial phone call that I was planning to retire in about a year. I responded, Well, I do not have to retire! I explained that I had not even applied for retirement nor shared any retirement intent with Human Resources on my job. I explained that I had already signed my contract for the XXXX XXXX, and that I was a XXXX  XXXX   able to work as long as I was capable of performing my job. No one was making me retire. Further, people talk about retiring and change their minds all the time if circumstances change or they just decide to change their minds. Her response was, You cant go back! I asked, Go back on what? She continued to go on about how my income would change when I retired and I would fall short of the income threshold needed for the loan. I reminded her that whenever I did retire, I would still have XXXX   Retirement income, which I could document and whose documented amount she requested. \n\nXXXX kept trying to explain that DHI Mortgage could not count future income, but only current income, which seemed contradictory since she kept saying that my current contracted income would not count. She said DHI Mortgage required that I be on a job at least three years ( never heard of that before!!! ). Not only did that strike me as bizarre, I also recalled from my review of the loan paperwork that XXXX   XXXX would be selling my loan to someone else before I even made the first payment!! So the idea that they needed a three-year stream of income to guarantee a loan that they would sell before my first payment seemed strange. Further, given the industrys insistence that consumers be forced to pay PMI to protect the lenders financial interests against future financial uncertainties associated with a mortgage loan they make, why would a three-year future income benchmark be privileged over a strong credit history, stable employment history, and current income? After all, no one can predict the future, for NOTHING in life is guaranteed three years in the future for anyonethe very premise upon which any kind of insurance operates. I began to feel that disqualifying criteria were being manufactured as we spoke to fit conclusions that had already been made. XXXX insisted that the solution was for me to start taking a distribution from my IRA now, an idea that I rejected because of the unnecessary tax liability it would present for me. Further, pressuring me to start disbursements from my IRA after I have strongly objected to the unnecessary tax liability that I would incur is reprehensible and highly unprofessional for a loan officer. \n\nThat conversation ended with XXXX stating that she would talk again to the loan processors and get back to me. However, it should be noted that I was never offered an opportunity to speak to the underwriters on my own behalf and offer any firsthand information about my finances that would assist them in making a decision about my financial stability. There also seemed to be no interest in verifying with my employer ( 1 ) whether actual retirement plans had been established with my employer or ( 2 ) what my VA retirement income would be in the coming three years IF I actually did retire. As I stated, seniors talk about retirement many times before actually doing it. \n\nAfter allegedly checking with the mortgage team or someone else, XXXX called my agent and me later that afternoon and informed us via conference call that my loan application was being denied because of a discontinuation of income. I asked her what documentation DHI Mortgage had to substantiate such a conclusion. I could get no answer. Unlike other information that had required extensive documentation and verification of my financial information, this decision seemed to be based on no more than a loan originators perception of what retirement is for senior citizens or a desire to impose individual qualifying criteria on a loan applicant at retirement age. \n\nThus, the denial of my loan application is an unfair and discriminatory action based on biased, negative perceptions of elderly consumers rather than on an objective assessment of my individual creditworthiness. \n1. First, there appears to be a presumption of what retirement is and a preconceived notion of what elderly do when they retire. My colleagues who retire frequently join or start consulting or other businesses, continue their professional employment in other states, or work part time on jobs related to their profession ( ex. teaching online ) or they may build ventures around their avocations. At no time did XXXX ask me anything about what my retirement plans might be if I left the XXXXwhether I would take another job after relocating to Georgia, pursue a business venture, seek any other sources of income, etc. Nothing! The alleged and presumed discontinuation of income is no more than an age-related stereotype, a preconceived image of retirement assigned to me merely because I spoke of retiring in conjunction with buying a second homea decision that those with the financial means to do so routinely make every day without being subjected to the age bias that is evident in this case. I believe that I am being discriminated against as a consumer at retirement age. My loan denial appears based on a perception about a future prospect of retirement and not on any documented evidence of future retirement as a fait accompli and its associated reduction in income. By not providing me access to the underwriters to discuss this issue and by making a decision that privileged hearsay over documented factual evidence of creditworthiness and financial stability solicited from me, XXXX XXXX appears to endorse XXXX bias about loan applicants at retirement age. \n\n2. DHI Mortgages preapproval letter made it clear that it would undertake an effort to verify the personal financial information that I initially gave them and seek resolution of any facts particular to the Borrowers financial information to determine that I meet the Lenders underwriting criteria ( Preapproval letter dated XX/XX/XXXX ). Rather than taking those steps as indicated in the letter, DHI Mortgage acted counter to that described action. While it was a fact that I verbally expressed an intent to retire in about a year, actual impending retirement was never a DOCUMENTED or VERIFIED FACT. Nor was there ever any DOCUMENTED or VERIFIED FACT of a related DISCONTIUATION OF INCOME that grew out of a casually verbalized intent during a telephone conversation whose context was never ascertained by hearing both sides of the conversation. \n\nHad XXXX XXXX been guided by an effort to verify an individuals information rather than simply speedily retreat to a PERCEPTION of an individual based on age, the loan processors could have easily asked for contact information for the XXXX Retirement System or the XXXX  Benefits Counselor in order to confirm whether or not a pending retirement was a FACT as well as WHEN and HOW much any change in my income would occur as a result. Instead, XXXX neither pursued any facts much less their resolution regarding this solitary reason for declining my loan application, a reason that was given weight over all the solid documented evidence of my qualifying credit worthiness ( an excellent credit score, a 1 % credit card utilization, a 6-figure salary, low DTI ratios based on past and current salary, liquid assets that exceeded the value of the loan, and 17-year job history ). \n\nXXXX protestation that DHI Mortgage requires three years of FUTURE income is what needs to be substantiated as factperhaps through class action litigation ; I see that argument as no more than a specious attempt to keep an otherwise financially qualified senior citizen from getting a mortgage loan. I was left with the strong sentiment that there was a hidden agenda at work here that had little to do with criteria for approval for a mortgage loan. As communicated to my real estate agent and by a voice message that I received from one of XXXX supervising officers at the company, DHI Mortgages remedy is for me to accept their referral to someone else to underwrite my mortgage loan, specifically to participate in their DHI Mortgage Home Buyers Club, an outfit that works with home buyers with credit  challenges ( and buyers who no doubt pay greater interest rates to lenders to get a mortgage! ). \n\nII. A loan Practice That Unfairly Disadvantages Senior Consumers : On XX/XX/XXXX I received a letter from DHI Mortgage officially denying my application for a loan. My credit status led them to conclude that I supposedly have excessive obligations, though all three bureaus reported excellent credit ratings and a credit utilization of only 1-2 percent. Further, my income was ruled insufficient, apparently as a result of the loan processors adamant refusal to include my entire current six-figure contracted salary ( XX/XX/XXXX to XX/XX/XXXX ) in the calculation of my DTI ratios. By NOT reporting and not including my current income, the loan processor knowingly misrepresented my qualifying income simply because I rejected her urging to start taking disbursements from an annuityfuture supplementary income for which I have NO current financial need in order to manage repayment of the requested mortgage loan. \n\nWhen I challenged this denial, DHI Mortgage stood by the decisions of their underwriters, telling me that At the time of application, you indicated to the Mortgage Loan Originator that the subject property would be your second home as you intended to retire next year and move to Georgia. Since you plan to retire, your current employment income is not likely to continue for the next three years and, therefore, could not be used as qualifying income ( Email from XXXX XX/XX/XXXX ). What is discriminatory here is that this appears to be an artfully constructed Catch-22 applied only to senior consumers. Seniors approaching retirement age routinely get annual statements that project their future retirement monthly income should they elect to retire at a certain age or date. For DHI Mortgage to refuse to permit this future income in their calculation of a senior consumers three-year projection of income because it is FUTURE rather than CURRENT income is patently unfair and discriminatory. DHI Mortgage is unfairly dismissing the senior consumers CURRENT annual income, zeroing it out for three years and refusing to put in its place the verifiable retirement income projection guaranteed ( earned and vested ) for those years. Meanwhile, younger consumers get the benefit of a creditable future income stream based on the existing current annual income and the mere PRESUMPTION ONLY of a future income based on nothing. This practice of imposing a disqualifying ABSENCE of current income on a senior loan applicant at retirement age who is gainfully employed full time while giving younger consumers similarly gainfully employed credit for the PRESENCE of income is clearly a violation of my consumer rights against age discrimination and is an underwriting tactic that is patently unfair to senior consumers and senior mortgage loan applicants. \n\nConclusion As outlined above, the denial of my loan application is not based on equitably evaluated documented facts as promised but rather on hearsay and personal perceptions of senior citizens. The servicing of my loan application by DHI Mortgage has been handled unfairly, and I appeal to XXXX XXXX  to cease and desist this discriminatory practice. I also appeal to all agencies and governing bodies that exist to protect the rights of all citizens to fair and transparent credit practices to demand from XXXX  XXXX  immediate compliance with the law. My understanding is that the mortgage underwriting process is to review evidence of an applicants credit and financial information and determine from documented evidence that we meet the lenders criteria for a loan. The dismissal and immediate discounting of a senior consumers current annual income merely because of conversations of retirement ( rather than a documented review of verifiable retirement income ) is no more than a contrived barrier erected to bar a retirement-age consumer from the financial access that other consumers freely have. I further encourage XXXX XXXX to take steps to sensitize its loan officers to the disparaging perceptions of elderly consumers. The practice of creating for us roadblocks that do not exist for other applicants only leaves us questioning the companys integrity as a lending institution. \n\nThank you.","date_sent_to_company":"2019-09-28T14:55:23.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"238XX","tags":"Older American","has_narrative":true,"complaint_id":"3389247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DHI Mortgage Company","date_received":"2019-09-28T13:07:26.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Further, given the industrys insistence that consumers be forced to pay PMI to protect the lenders financial interests against future financial uncertainties associated with a mortgage loan they make, why would a three-year future income benchmark be privileged over a strong <em>credit</em> <em>history</em>, stable employment <em>history</em>, and current income?"]},"sort":[5.0807734,"3389247"]},{"_index":"complaint-public-v1","_id":"3452844","_score":5.036067,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citi customer service agents have mishandled my account since XX/XX/XXXX. The below summary is what has happened to my account since XX/XX/XXXX to now. \n\nMy actions XX/XX/XXXX I submitted disputed charge of XXXX dollars on the Citi Sears  MasterCard via website. I disputed the charge because I thought I was using a USPS website to do a change of address. Instead it was a fraudulent website and I was charged XXXX dollars. Citi keeps noting XXXX dollars when the credit card statement and all my submitted emails and letter note XXXX dollars. \n\nCiti actions XX/XX/XXXX Citi sends a postal mailed letter requesting more information about XX/XX/XXXX dispute that was filed. \n\nMy actions XX/XX/XXXX I responded to Citi XX/XX/XXXX letter noting the same information in XX/XX/XXXX email with attachment of he USPS noting I was not using their website. This is when I realized somehow I used a fraudulent website impersonating the USPS from XXXX for online change of address request. \n\nCiti actions Date unknown Citi stopped my XXXX autopay ( of {$25.00} XXXX I had previous setup years ago sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. BOTH of these statements note YOUR ACCOUNT IS ENROLLED IN AUTOPAY. \n\nCiti froze my card so it could NOT be used. \n\nMy actions XX/XX/XXXX I tried to use my credit card while shopping and found out it was declined. Very embarrassing. \n\nActions between Citi and me XX/XX/XXXX Citi actions I used the Citi online chat to find out why. After a very grueling 1 hour call with a Citi customer service agent I found out that Citi cancelled my XXXX autopay without my permission that was setup previously years prior. Maybe because of the XX/XX/XXXX dispute filed. Because Citi cancelled my XXXX autopay the XXXX bill did not get paid like it normally would on XX/XX/XXXX. Then Citi froze my card. \n\nXX/XX/XXXX My actions On the above chat I had to reset the autopay back to the XXXX of each month like I did years ago. I had to pay the minimal payment XXXX to clear my card so I could use it. \n\nXX/XX/XXXX Citi actions Citi sent me a postal mailed letter saying they did not get a full response from me for the XX/XX/XXXX dispute filed. They listed XXXX dollars vs the XXXX dollars listed in my initial request on XX/XX/XXXX and listed on my credit card statement. Citi closed the dispute taking no action because I did not provide sufficient information. In my opinion I did and I sent them a letter via postal mail noting the same. \n\nXX/XX/XXXX My actions I emailed a complaint to Citi on the website to reopen my dispute case because I was charged by a fraudulent USPS website from XXXX. \n\nXX/XX/XXXX Citi actions Citi reopened my dispute initially posted on XX/XX/XXXX. \n\nDates unknown Citi actions Citi slashed my credit from XXXX to XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. \n\nCiti slashed my Cash Advanced Limit from XXXX to XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. \n\nAND possibly it looks like Citi erased ALL my Thank you points I have earned since starting with this program in XX/XX/XXXX sometime between my credit card closing statements of XX/XX/XXXX and XX/XX/XXXX. The total points accumulated were XXXX as of XX/XX/XXXX. My account says that You have no eligible promotional balances at this time. I do not know what this means. \n\nXX/XX/XXXX XXXX actions I activated my new world credit cards. I use the credit card so I could receive my monthly medications. It was declined for insufficient funds. Very embarrassing again. I could not receive my medications for XXXX. I have no medications right now. \n\nI called Citi customer service and was on the phone for almost an hour. The Citi agents constantly put me on hold because Citi agents did not how to resolve. Then it was noted that my credit limit was slashed to XXXX. Citi agents could not explain why. This was why my pharmacist received the insufficient funds error. The Citi agents they can not take any further action to resolve. \n\nXX/XX/XXXX and XX/XX/XXXX I emailed two more complaints to Citi via website noting all the above issues that Citi customer service has done to my account and wanted all issues to be resolved so I can use my card like have been before XXXX. \n\nXX/XX/XXXX and XX/XX/XXXX Citi actions Citi replied to my complaints noting I have to call to discuss why the credit limit was slashed. I did that already on XX/XX/XXXX with no reasons. \n\nOn XX/XX/XXXX Citi noted they are reviewing my dispute request for credit of XXXX dollars. On XX/XX/XXXX Citi noted they are unable to resolve my dispute of XXXX dollars and closed the dispute. Again all the paperwork I submitted is XXXX dollars. I feel I have submitted what the required information to receive a XXXX credit. \n\nCiti denied stopping my XXXX autopayment. Personally I know Citi cancelled my XXXX autopayment because credit card statements note that my account is enrolled in autopay. Also if you look at my payment history it shows autopayments completed on the XXXX of each month for years except for XXXX that Citi stopped. It shows my minimal payment of XXXX on XX/XX/XXXX so I can use my card again. Even my credit card statements say my account is enrolled in autopay and my next statement balance on XX/XX/XXXX is on autopay that I reestablished on XX/XX/XXXX. \n\nThen Citi noted that my statement with XX/XX/XXXX closing date notes why Citi slashed my credit and cash limits. The statement says I did not pay the bill. In reality Citi cancelled my XXXX autopay which has caused the additional havoc to my account. \n\nCiti noted they can not restore to credit limit. \n\nIn summary Citi customer service has grossly mishandled my account. I have experienced the following. \n\n1 Citi supports fraudulent website transactions. Other credit cards companies would have immediately credit customer accounts for charges from fraudulent websites especially charges from companies who impersonate US government agencies. Citi will not credit my account from a fraudulent website. My dispute filed on XX/XX/XXXX is what ultimately started my account being mishandled by Citi customer service. \n\n2 Without customers not being notified AND not getting customers permission Citi does the following to customer accounts after a dispute is filed. My account shows these Citi actions. \nA Citi stops autopayments and blame customers for not paying their bill. \nB Next Citi freezes credit cards. Later customers find out when they use their card and their cards are denied and can not be used. \nC Customers have to fix their accounts online and reestablish was setup up years prior after Citi inappropriately and without permission changed customer account setup. In this case monthly autopay for the statement balance payments each month was reestablished by customer. \nD In the meantime Citi slashes the credit AND cash limits. Later customers find out when they get denied with insufficient funds. \n\n3 Finally it looks like Citi wipes out thank you reward points they customers build up over the years. And it looks like Citi took away available promotion points from customers too. \n\n4 Lastly Citi blames the customers for Citi mishandling of accounts. Customers are left to scramble to figure out how to pay their bills via credit cards that they replied on. Citi made it clear that customers are at fault when it shows in the customers online accounts that Citi agents are at fault. \n\nWhat has happened to my account needs to be reported to higher departments with in Citi who handle customer accounts being mishandled by Citi customer service agents. I am requesting this again now. I did the above summary to help with the overview. The resolutions I am asking for my account are. \n\nCredit XXXX dollars from fraudulent website. Done : Account credited but fraudulent company can recharge within 45 days ( by the end of XX/XX/XXXX ). \nReestablish credit limit of XXXX. \nReestablish cash limit of XXXX. \nReestablish thank you points AND available promotion points that were taken away. As of XX/XX/XXXX it was XXXX points. In XXXX it was approximately XXXX. \nStop cancelling customers autopay setup without their permission. \nI need my XXXX medications ASAP. I want to use my credit card to show a record of this transaction. I am not able to because my credit limit is too low. Done : Pay this bill by check now. \n\nLastly this month, Citi sends me an application to sign up for a new rewards card with lots of points. BUT I can not get my current situation resolved?","date_sent_to_company":"2019-11-27T23:32:17.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"32757","tags":"Older American","has_narrative":true,"complaint_id":"3452844","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-11-27T22:35:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["Dates unknown Citi actions Citi slashed my <em>credit</em> from XXXX to XXXX sometime between my <em>credit</em> card closing statements of XX/XX/XXXX and XX/XX/XXXX. \n\nCiti slashed my Cash Advanced Limit from XXXX to XXXX sometime between my <em>credit</em> card closing statements of XX/XX/XXXX and XX/XX/XXXX. \n\nAND possibly it looks like Citi erased ALL my Thank you points I have <em>earned</em> since starting with this program in XX/XX/XXXX sometime between my <em>credit</em> card closing statements of XX/XX/XXXX and XX/XX/XXXX."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Trouble using <em>your</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company won't increase or decrease <em>your</em> <em>credit</em> limit"]},"sort":[5.036067,"3452844"]},{"_index":"complaint-public-v1","_id":"4539437","_score":3.4040523,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have filed multiple complaints against Wells Fargo only to have them answer some of the complaints while they are still claiming that they have responded to every single claim and allegation ; this is a boldface outrageous lie. The intentional infliction and reckless conduct by Wells Fargo have caused massive financial damages and emotional distress. \n\nOn XX/XX/XXXX, I received Wells Fargo XXXX package with information regarding the frauds and my complaints and allegations all of which Wells Fargo claims they replied to each and every single one of them. But it is clearly apparent that Wells Fargo did not look at all of my claims and allegations because some material and significant claims/allegations were missed or purposely overlooked. \n\nDue to Wells Fargos arrogant, ignorant, reckless behavior, unconscionable conduct, and undue influence, willful neglect of duty, failure to act in good faith, poor stewardship, mishandling, wanton behavior showing an unwillingness to stop harming me, my XXXX, my employees, my customers as well as my third-party vendors, and sidestepping/ignoring/lying, dodging and eluding has all consummated into... \n\n- customers hesitating/refusing to do business with me out of fear of losing their inventory/finished goods ( either because they made commitments to their customers and/or they prepaid for fabric or inventory ) to Wells Fargo possible liquidation of my business, - vendors refusing to continue to extend credit to me out of fear of not getting paid, - key employees quitting because I could not give them definitive answers/guidance on the Wells Fargo 2 + year-long investigation - losing out on multiple revenue opportunities especially new credible well-documented revenue opportunities during the pandemic - no lender would provide working capital to me because Wells Fargo locked up the collateral then when I finally line up XXXX XXXX XXXX and investors who could have saved the day - after causing the massive collateral damages stemming from the multiple frauds, Wells Fargo refused to provide working capital to me and refused/dodged subordinating the collateral to other lenders so that they can provide working capital Some examples of sidestepping/ignoring/lying, dodging and eluding include... \n\n- over 23 delay letters, - no replies to any of my multiple communication attempts during the 2 + year-long SELF-Investigation held in secret behind closed doors, - multiple emails/texts/ignored conference calls/phone calls/etc., letting Wells Fargo know I have customer orders and request for proposals, - key employees were quitting, - missed working capital opportunities from investors and XXXX XXXX XXXX, - pandemic assistance ( I needed working capital during the pandemic because of new business from customers who wanted us to manufacture PPE ) ; Wells Fargo showed no interest or concern for helping XXXX XXXX to manufacture PPE for first responders and people that were XXXX during the pandemic, - Lying to our Georgia XXXX XXXX XXXX XXXX that they answered each and every single claim and allegation, - etc Due to Wells Fargo 's reckless behavior, unwillingness to stop harming me, my XXXX and my employees, this has resulted in Wells Fargo controlling my XXXX which has lead to me shutting down my XXXX  multiple times since the XXXX fraud hit the news and the result is that I was not able to manage my business and make plans for the business accordingly. In other words, I have been and is still paying overhead, property taxes, interest, and penalties were still being accrued, SBA loan payments with accrued interest are still being charged to me, etc. while hoping everything works out while my business was shut down due to Wells Fargo conducted a 2 + year-long investigation with no input from me despite me pleading to be involved ; Wells Fargo 's lack of concern, negligence, and reckless disregard is a failure to act in good faith, unconscionable conduct and undue influence ; if I had known that the SELF-Investigation would still be going on for 2 + years and I was blocked out of having any input in the investigation concerning me, my business and my employees, I could have sold the business, participated in several proposed joint ventures and/or pursued other investment opportunities or just cut my losses and shut the business down but instead no one at Wells Fargo had the decency to let me know at a minimum what the \" ballpark '' status was of the SELF-Investigation that I did not participate in. \nHow can I generate revenue when Wells Fargo has taken control of my business and shut me out of my opportunities and my right to earn a living by generating revenue and providing jobs in a minority low-income community? Below is a summary of the complaints that Wells Fargo has not answered and/or directly responded to and cross-referenced... \n\nI ) WELLS FARGO FRAUDS AND CORRUPTION 1. BUSINESS PURCHASE CLOSED ON XX/XX/XXXX I was set-up by Wells Fargo to fail on the day of the closing of my business purchase because the frauds were going on years before the XX/XX/XXXX closing on the SBA Loan. \nBackground of fraud - From the time I had closed on the purchase of XXXX XXXX in XX/XX/XXXX up to the mid to late XXXX, the fees that came out of my account was pretty significant for a small business like mine and I felt pressured to take the {$6800.00} from the mediators. The letter that I send to the mediator made it clear that the fees were crippling my business and I had been complaining to Wells Fargo about the excessive fees since late XXXX ( I spoke with XXXX XXXX of Wells Fargo via phone several times and emailed him on XX/XX/XXXX ) and was told that my fees were cheaper than other options - at the time I was not satisfied with the answer. Then in late XXXX, I heard about the fraud in the news and then in XX/XX/XXXX I called Wells Fargo and spoke to XXXX XXXX in the Wells Fargo National Business Banking Center and he confirmed that I was part of the fraud and set up in the wrong product/business checking account and he immediately switched me over to the significantly cheaper and more appropriate Platinum bank account. So I mailed appropriate correspondence to Wells Fargo headquarters, who confirmed receipt of my correspondence ; shortly thereafter I filed a claim with the mediator. \n2. REVENUE TREND - my revenue was trending upwards, I was picking up new accounts, hiring new employees and then when the fraud hit there was a direct correlation with the drop in revenue primarily tied to Wells Fargo suddenly turning their back on me as if they never met me. And the drop continued and some of it was related to the SELF-Investigation I had no control over ( discussed in item I.11 below ). See attachment for detailed email to Wells Fargo with revenue trend, 3. FRAUDS thru unauthorized fees in my business banking account, merchant services, auto protection insurance approx. {$30000.00} - {$40000.00} was taken from my business accounts, merchant services overcharges and auto collateral protection insurance by Wells Fargo and subsequent collateral damages are much worse due to lost sales, lost employees, lost customers, missed working capital opportunities from lenders and investors ; more specifically, Wells Fargo caused me to miss out on working capital opportunities by using the excuse ( 7 months later ) that I did not sign a \" Borrower 's Consent '' form as the reason for them not having a good-faith discussions with fair dealings with Investors and XXXX XXXX XXXX which caused me to miss out on $ XXXX $ XXXX in working capital... but ironically Wells Fargo could not locate the \" Borrowers Consent '' forms from 4 prior conference calls authorizing them to talk to 3rd parties on my behalf including me not being present. For over 1 year now, Wells Fargo has refused to answer this simple question about where are the Borrower 's Consent forms authorizing them to talk to prior 3rd parties on my behalf. \nWhen Wells Fargo realized they screwed up, I was asked by email to go back to the XXXX XXXX XXXX to see if they were still interested in having a good-faith discussion with fair dealings with Wells Fargo and the XXXX XXXX XXXX said no because they ran out of XXXX XXXX  program funding. \n4. MISSED WORKING CAPITAL OPPORTUNITIES Borrowers Consent Form A. XXXX XXXX XXXX In XXXX/XXXX XXXX XXXX, I had 2 XXXX XXXX XXXX ready to provide working capital of $ XXXX - $ XXXX contingent upon having a good-faith discussion with fair dealings with Wells Fargo. After multiple documented attempts to get Wells Fargo to respond, they finally responded on XX/XX/XXXX and said the reason they did not respond sooner is because I did not sign a Borrowers Consent Form authorizing them to talk to third parties on my behalf!!! This is shocking and here is why... \na. Where are the borrower 's consent forms on file from 3 prior ( before Wells Fargo decided to start demanding I sign one ) conference calls? I am sure you have them on file if you suddenly started demanding that I sign one, at least one would think!!!!... I have been asking for this for over a year now and Wells Fargo has avoided my request. How can this be explained? Why is it that Wells Fargo can not answer a simple question that a 5-year-old can answer? \nb. One of the XXXX XXXX XXXX visited my plant and was totally impressed with my operations and his only concern \" Wells Fargo has a history of not doing anything to help ( not the exact words but you get the drift ) ''. So they waited and waited and waited and nothing until about 7 months later with the poorly crafted playbook excuse about I did not sign a borrower 's consent form!!!!... this was an insult to my intelligence as a human being, as a XXXX person, as a family person ( with kids just like you and your hired gun lawyer - what possible logical excuse can I give them for why I am being treated this way ), as an employer with employees looking for leadership from me and I can go on. \nc. Then XXXX XXXX, asked me, someone realized Wells Fargo screwed up, to go back to see if the XXXX XXXX XXXX and Investors were still interested and of course after waiting 7 months for a reply from Wells Fargo they ran out of funds. What in the world do you think was going to happen? \nd. Then Wells Fargo has the nerve to find a clause in my SBA agreements \" on file '' that says they can hire a 3rd party lawyer to come after me!!!!!!!!!!! Another insult to my intelligence... after more than 1 year, Wells Fargo can not find a \" borrower 's consent form \" on file '' but IMMEDIATELY found \" on file '' the clause allowing you to hire a lawyer to come after me e. So I missed out on $ XXXX $ XXXX in working capital. \nf. Then in the last conference call we had, Wells Fargo suddenly requires I sign a Borrower 's Consent form for all of the invitees as if that would correct the wrongs. And then to make matters worse, you turned down my customer 's offer to personally, out of their own pocket, offer working capital if Wells Fargo would match it!!!!! And XXXX XXXXWells Fargo said no. \ng. WHERE ARE THE BORROWER 'S CONSENT FORMS ON FILE THAT I SIGNED AUTHORIZING WELLS FARGO TO TALK ABOUT MY XXXX WITH THESE 4 OTHER PRIOR 3RD PARTIES? \n\nHere are the conference calls with third parties XXXX XXXX was involved in WITHOUT a Borrowers Consent form signed by me... \ni. Conference call on XX/XX/XXXX with an investor, XXXX XXXX and his company AMP and there was no mention of Borrowers consent form ii. Conference call on XX/XX/XXXX ( and many other times/occasions ) XXXX spoke with XXXX XXXX, my financial advisor/banking broker, who was working with me to help secure working capital. XXXX did not ask me to sign a Borrowers consent form. \niii. On XX/XX/XXXX with XXXX XXXX, XXXX XXXX and 2 other 3rd party former professional athletes interested in investing in Platinum Sportswear and no one from Wells Fargo asked for a signed Borrowers Consent form iv. On a XX/XX/XXXX conference call with XXXX and XXXX XXXX with at least 4 other participants and suddenly I was required to sign a Borrowers consent form ; ironically this was one week after Wells Fargos XX/XX/XXXX Resolution Letter saying they did not get back to me for 7 months on the XXXX XXXX XXXX because I did not sign a Borrower 's consent form Why the inconsistencies with requiring me to have a signed Borrowers Consent form on file in order for Wells Fargo to have a good-faith discussion with fair dealings with XXXX XXXX XXXX? Please explain After more than 1 year, Wells Fargo can not find a \" borrower 's consent form \" on file '' but Wells Fargo IMMEDIATELY found \" on file '' the clause to hire a lawyer, XXXX XXXX, to come after me. \nB. XXXX XXXX - on XX/XX/XXXX with XXXX & at least 4 other participants : suddenly I was required to sign a borrower 's consent form ; ironically, this was a week after WFs XX/XX/XXXX Resolution Letter stating that a consent form is required to speak to 3rd parties, & this time XXXX required a consent form! XXXX XXXX, who was my customer on this call offered to match working capital from Wells Fargo and Wells Fargo said no C. USDA - The USDA Rural Development provides access to capital through its Business & Industry Cares Act Program with a 90 % loan guarantee program. Information can be found at XXXX. This program is designed to address the need for working capital to recover during COVID pandemic timeframe and this program requires a supportive lender. The USDA only provides guaranteed funds instead of direct loan funds. Wells Fargo replied that they do not participate in this program... but the point is Wells Fargo ruined my credit and my chances to work with other USDA lenders. \nD. XX/XX/XXXX in XX/XX/XXXX, a highly valued customer, XX/XX/XXXX, called XXXX, left a message and she did not return the phone call E. XXXX XXXX another highly valued customer was interested in purchasing or investing in XXXX XXXX. I sent an email to XXXX XXXX explaining this opportunity and, as usual, there was no response F. MULTIPLE OTHER LENDERS AND INVESTORS 5. SALES OPPORTUNITIES I sent multiple emails to XXXX XXXX detailing significant sales opportunities that would support conventional working XXXX XXXX. XXXX ignored all of the emails 6. STEERING TOWARDS PREDATORY LENDERS I have an email from a Wells Fargo employee XXXX XXXX, my Business Banker, advising ( see attached email ) I should look into Merchant Cash Advance ( XXXX ) lenders I never heard of these types of lenders. I relied upon his advice and guidance to check out the predatory XXXX lenders and it resulted in the beginning of massive collateral damages. Under no circumstances, is it appropriate for a Wells Fargo employee to steer me toward predatory lenders which puts me at risk as an XXXX customer and also puts the tax-payer-funded XXXX loan program at risk. See additional discussion on predatory lenders in item 7 Continued below... \n7. HIGH-INTEREST PREDATORY LOANS Since the Wells Fargo multiple frauds destroyed my credit and my XXXX, I could not qualify for conventional affordable working capital. Instead as noted above, I was steered towards XXXX predatory lenders. I was making payments of approximately {$800.00} per day while also paying the monthly SBA loan payment of {$15000.00} per month and some other debt payments to the seller of the business. I could not sustain these payments while cash receipts from accounts receivable were collected every 30-45 days. Most of the cash from the predatory lenders were being used to pay the same daily ( and in some cases weekly ) high-interest loan payments. My cash flow position became negative very quickly 8. USE OF FUNDS FROM PREDATORY LENDERS ironically some of the funds were used to pay the monthly SBA loan payment. By asking for financial statements, Wells Fargo knew about the predatory loans and considering they have a fiduciary responsibility with the SBA, Wells Fargo did not carry out their fiduciary responsibilities by allowing risky high-interest loan payments that impacted my ability to continue to make payments on the SBA loan. Accepting payments for the SBA monthly loan with funds sourced from predatory lenders is a massive failure to act in good-faith by Wells Fargo and extremely poor risk management. \n9. COMPLAINTS FILED - Starting in XX/XX/XXXX I have filed multiple complaints with government agencies, especially the Consumer Financial Protection Bureau and the SBA but none of the agencies can open an investigation into Wells Fargo unless Wells Fargo ask for payment of the SBA 's 75 % guarantee 10. SBA LOAN PAYMENT MODIFICATIONS Wells Fargo approved 5 SBA Loan payment modifications that deferred the monthly payments but offered no working capital. The only thing the loan modifications offered was ratcheting up more collateral damage because it allowed me to seek and get approved for even more working XXXX XXXX from predatory lenders that Wells Fargo approved of when they reviewed my financial statements which showed the high-interest payments being made to predatory lenders. Wells Fargo approved these high-interest predatory loans because some of the money was used to make monthly payments on the SBA loan. Why were my financial statements approved when they clearly showed that I was making unsustainable payments to predatory lenders that Wells Fargo steered me to and benefited from? \n11. SELF INVESTIGATION XXXX how in the world can a SELF-Investigation be justified? ) Due to the multiple frauds, we were shut down most of XXXX, XXXX and XXXX... We are still dealing with the impacts of the frauds since Wells Fargo has been evasive including lying and dodging... Wells Fargo opened a Self-Investigation in XX/XX/XXXX and here we are over 2 years later and the investigation is still going on. Wells Fargo has effectively controlled my XXXX with undue influence, unconscionable conduct and failure to act in good-faith a. I had no participation in the 2 + year-long investigation despite pleading to participate b. nor did Well Fargo look at any of the correspondences/documentation, or reply to my emails, text messages, phone calls, conference calls, certified letters with return receipt requested ( and none of the return receipts were ever received by me ), offers to visit my plant, offers from me to visit Wells Fargo, etc... this is a massive failure to act in good-faith and failure to have a good-faith discussions with fair dealings, poor management, incompetence, etc., and demonstrates Wells Fargo unwillingness to stop harming me/my family, my business and my employees so basically the investigation was a SELF-INVESTIGATION where Wells Fargo was the judge, jury and executioner. LOYAL CUSTOMERS AND VENDORS REFUSED TO BUSINESS WITH ME WHILE THE SELF INVESTIGATION WAS GOING ON c. how can Wells Fargo justify at least 23 delay letters from XXXX XXXX over a 2 + year period with no regard for my business being able to operate because customers refused to do business with me out of fear their inventory would be ceased and vendors refused to do business with me because they may not get paid and all of this hesitation to do business with me is because my customers/vendors were afraid of liquidation proceedings by Wells Fargo? Please explain this? My customers and vendors were well aware of the frauds, collateral damages and the unconscionable 2 + year-long SELF-Investigation held in secret behind closed doors with no participation from me despite my pleads to be involved and all of my pleads were ignored 12. CUSTOMERS AND VENDORS REFUSED TO DO BUSINESS WITH ME Loyal customers and vendors refused to do business with me while the 2 + year-long SELF-Investigation was going on. \n13. COLLATERAL The major issue with Wells Fargos frauds is that they refuse to provide working capital and they will not subordinate the collateral to other lenders so if taking control of my business was not enough, Wells Fargo is now determined to force me out of business. Without working capital to purchase raw materials, how could Wells Fargo still expect me to catch up on my SBA payments and pay delinquent taxes? \n14. TAXES, SBA LOAN PAYMENTS AND OTHER ACCRUED EXPENSES - during SELF-INVESTIGATION Wells Fargo still expects me to be responsible for all accrued expenses, interest, penalties and taxes related to all tax issues ( Federal, State and Property ), SBA loan payments etc., even though I had no control over the SELF-Investigation including the duration of it especially considering I did not participate in the SELF-Investigation despite pleading to be involved. \nI want to make it very clear that these taxes are delinquent because of this Wells Fargo debacle that crippled my business but you/Wells Fargo are implying that delinquent taxes are entirely my fault. The delinquent taxes is not related to the nature of the business failing \" operationally ''... my business has been around for almost 40 years prior to the frauds and Wells Fargos massive failures to act in good faith as detailed in this correspondence. As you know by now, I questioned the funds coming out of my account before the fraud hit the news and was told that everything was fine... if these Wells Fargo malfeasance ( and many more too long to list but you and your team know what they are ) had not happened, I would not be delinquent on any of my taxes or with any of my vendors or any of my employees ( yes they are still entitled to damages from being forced out of work ). So the next tax payments are due in XX/XX/XXXX and at the rate we are going with Wells Fargo/the SBA trying to help me, I don't see how I will be able to come up with any of the property taxes for XXXX County - WE HAVE BEEN SHUT DOWN ALMOST ALL DUE TO THE 2 + YEAR-LONG ONE-SIDED BIASED SECRET INVESTIGATION! So with Wells Fargo controlling my business in this manner, please tell me where will the money come from to pay delinquent taxes and catch up on the SBA loan considering Wells Fargo took away and destroyed my ability to generate revenue in my business and earn a living?\n\n15. CONTROL OF MY BUSINESS - Wells Fargo has effectively controlled my business with undue influence, unconscionable conduct and failure to act in good-faith. We were shut down most of XXXX, XXXX and XXXX and then the pandemic gave us new life ( I can provide more detail if needed ) 16. VALUATION Due to all of the damages, over the last almost 5 years, caused by Wells Fargos massive failure to act in good faith ( and many more acts of malfeasance ) listed in this correspondence, the valuation of my business and the underlying collateral has been destroyed which has minimized/eliminated the amount of working capital I could obtain from affordable conventional lenders and/or investors. \n17. RESTRUCTURING MY SBA LOAN what is the status of the potential restructuring of my SBA loan? I sent all of the documents XXXX XXXX asked for and he is supposed to be working on this and I have attached his email. Then in an email and on a conference call in XX/XX/XXXX to discuss restructuring my SBA loan, to have XXXX XXXX tell me in an email dated XX/XX/XXXX... As a continual reminder, please keep in mind that we are willing to discuss your SBA Loan only and possible resolution strategies ; and any other business you have with Wells Fargo would be addressed by the appropriate Wells Fargo parties in a different and separate venue... this is an insult because every single issue in this correspondence including Wells Fargos massive failure to act in good faith, all relate to the SBA loan and are the reasons why I am delinquent. my business is worth significantly less than the purchase price and the underlying SBA loan balance - as a result, any restructuring solution must take this into account 18. RUINED MY CREDIT all of Wells Fargos malfeasances and massive failure to act in good faith impacted my ability to my bills on time. \n19. RUINED MY CHANCES OF QUALIFYING FOR ANOTHER SBA LOAN AND/OR REFINANCING/RESTRUCTURING 20. WELLS FARGO TURNS AWAY AN INVESTIGATIVE REPORTER FROM THE XXXX XXXX XXXX who wanted to do an investigative report on my claims and allegations 21. PANDEMIC OPPORTUNITIES multiple opportunities from potential new customers including 3M, major hospitals, private doctors and private business owners who wanted XX/XX/XXXX to manufacture PPE to help them deal with the new business from the pandemic... multiple emails were sent to both XXXX XXXX and XXXX XXXX and no response. \n22. XXXX XXXX - XXXX XXXX calls Wells Fargo \" a criminal enterprise posing as a bank ''. XXXX XXXX is a popular consumer expert and host of the nationally syndicated radio show. \n23. RECOMMENDATIONS FROM EXECUTIVE COMMITTEE - What happened to the team of Senior Executives meeting daily to develop recommendations on addressing the societal inequalities facing black employees and customers? Surely screwing me and my company over is a good test and I can not think of a better opportunity to live up to that playbook statement. As a 100 % black-owned company in a below the federal poverty level community, I asked to participate in these meetings to provide insight into how banks like Wells Fargo can work better with people of color business owners to help uplift the community and my offer was ignored. \nThe CEO ( 3rd in 3 yrs ), made the following statement... As a white man, as much as I can try to understand what others are feeling, I know that I can not really appreciate and understand what people of color experience and the impacts of discriminatory behavior others must live with. \nXXXX. PREVIOUS IRS INSTALLMENT AGREEMENT - on XX/XX/XXXX I signed an IRS Installment Agreement for {$110000.00} due to the business being forced to shut down multiple times due to Wells Fargo and now the pandemic, I was unable to continue the payments 25. LAWSUITS I am being sued by predatory lenders for loans totaling {$170000.00} ; all of these loans were taken out due to the Wells Fargo frauds and massive collateral damages and some of the proceeds from the predatory lenders were used to make the monthly SBA loan payments and Wells Fargo was aware of all of these predatory loans since XXXX XXXX asked for my financial statements on multiple occasions. How can an SBA lender allow and basically approve of risky high-interest predatory loans? \n26. LOST REVENUE AND LOST BUSINESS OPPORTUNITIES - I sent PO 's and RFP 's ( and in some cases ) - from core repeat customers in excess of {$5.00} XXXX to XXXX and she ignored them. We are still deep in a pandemic and we have reinvented ourselves by manufacturing Before the pandemic, I sent POs and RFPs in excess of {$5.00} XXXX to XXXX and she totally ignored my emails. And then during the pandemic, we were getting requests for orders and some are very large - one potential customer wanted an RFP for XXXX XXXX surgical gowns and another wanted an RFP for approx. XXXX XXXX face masks - but I needed working capital to become FDA approved. People were dying and the demand for PPE made in the USA was increasing. We were talking to another customer/partner who wanted to partner with us as a made in the USA Company and agreed to install disposable surgical face mask-making equipment if we build an ISO certified cleanroom which would cost about {$40000.00} - {$50000.00}. The machines cost {$1.00} million each and he has agreed to install 5 of them ; to show his sense of urgency, this customer even offered to show me how to build the clean room myself. \n\nWe were also offered an opportunity to manufacture and supply cloth gowns to meet Governor XXXX XXXX 's announcement starting to reopen the Georgia World Congress Center for COVID-19 patients. \n\nAND WELLS FARGO HAS THE NERVE AND CONSUMMATE GALL TO ASK FOR PAYMENT OF THE SBA LOAN AFTER THEY WERE RESPONSIBLE FOR DESTROYING MY BUSINESS! \n27. THE CORONA VIRUS IMPACT During the pandemic ( which gave us an opportunity to get back on track ), we reinvented ourselves and learned how to manufacture 4,000 PPE surgical gowns for the largest hospital in Georgia which gave us a new lease on life. However, in XX/XX/XXXX, the hospital decided to go back to XXXX for inventory because we did not have the working capital ( Wells Fargo destroyed my access to affordable working capital ) to hire more employees and purchase more needed relevant production equipment to increase production. \n28. OTHER - I was also impacted by... \na. Auto Collateral Insurance Fraud b. Merchant Services Fraud In a XXXX article, a Wells Fargo joint venture has been accused of overcharging fees falsely labeled as interchange charges, making it sound as if they had been imposed by credit card companies when, in fact, a chunk of the money went to the Wells Fargo partnership.\n\nII ) SOCIAL SECURITY due to the Wells Fargo debacle and caring for my mentally ill daughter, I had to file for early retirement social security benefits since the Wells Fargo frauds destroyed my ability to earn a living by generating revenue in my company III ) DIVORCE my family has been destroyed by the Wells Fargo mess and my divorce was effective XX/XX/XXXX IV ) MY HOME IS FORBEARANCE My home is has been in forbearance for approximately 2 years and I am currently applying for mortgage modification from my bank Fifth Third. \nV ) THE CORONA VIRUS IMPACT During the pandemic we reinvented ourselves and learned how to manufacture surgical gowns which gave us a new lease on life. We did not have the working capital to hire more employees and purchase more needed relevant production equipment to increase PPE production during the height of the pandemic and lost the hospital account. \nVI ) RACISM - WELLS FARGO DIVERSITY AND INCLUSION Wells Fargo 's website brags about diversity and inclusion but it is obvious that these claims are just a playbook to keep everyone quiet including myself. Wells Fargo denies racism - just because Wells Fargo has a diversity and inclusion program does not mean their tactics are not racists. \n\nSUMMARY 1.After all of the damages by Wells Fargo done to me, my family, my XX/XX/XXXX, and XX/XX/XXXX, please explain : why would Wells Fargo not assist the only 100 % black-owned manufacturer of sportswear in the country ( that reinvented itself by bootstrapping to manufacture PPE surgical gowns for the largest hospital in Georgia ) with the working capital needed to get our business back on track?\n\n2.So much damage has been done to both my business/personal credit, my family, my business, my employees, my customers, and my vendors that the value of the collateral has been damaged as well - so this means that any working capital that I can qualify for will be significantly less than prior to the frauds and massive collateral damages. So I believe that Wells Fargo should step in and make up the loss in working capital or come up with some other creative working capital solution. \n3.It is unconscionable to think that Wells Fargo would craft a poor excuse for taking 7 months to get back to me on opportunity zone lenders and investors ready to provide working capital with the poor excuse that I did not sign a borrower 's consent form authorizing them to speak to third parties. \n\nWells Fargo has put me and my business into a death spiral.","date_sent_to_company":"2021-07-13T20:10:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30071","tags":"Older American","has_narrative":true,"complaint_id":"4539437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-07-13T20:02:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["We were talking to another customer/partner who wanted to partner with us as a made in the USA Company and agreed to install disposable surgical face mask-making equipment if we <em>build</em> an ISO certified cleanroom which would cost about {$40000.00} - {$50000.00}. 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