{"took":676,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2580703","_score":18.343761,"_source":{"product":"Mortgage","complaint_what_happened":"I have been trying for years to get a modification on my mortgage.  Ocwen approved it for about XXXX and my income is only XXXX.   This was ridiculous and XXXX. I tried again they told me I didn't make enough money and denied the modification.  I decided to sell the house thru a short sale.  I got a few offers and sent the best one in.  I've never heard from any one at Owen accept for a letter in reference to that offer and nothing so they were taking sooo the buyers walked and another offer was sent.  I called for several days and got nowhere.  Someone finally answered and told me that they will get in touch with the person assigned to the account.    The same day XXXX XXXX emailed stating he was waiting on my realtor to reply about the first offer.  He was advised they walked and there is another offer.   I asked what was needed so that I could make sure my realtor sent the info to him asap.  I emailed to let him know my realtor was out of town returning the following week and I will make sure he get the missing information to move the process along. He was advised the current buyers are waiting for an approval. All this happened on XX/XX/XXXX.  So then I receivef a letter stating that I canceled the short sale.   I ABSOLUTELY DID NOT CANEL THE SHORT SALE.  I DID NOT SPEAK WITH ANYONE OR SEND IT IN WRITING THAT I DIDN'T WANT TO CONTINUE WITH THE SHORT SALE.. THESE PEOPLE ARE LIARS.  I WANT A COPY OF THE PHONE CALLS WHERE I HAD A CONVERSATION SAYING THAT..I WANT A COPY OF WRITTEN REQUEST STATING THAT.  They have reported my house was in foreclosure when it wasn't.  I've requested documentation for the denial of the modification.  I have requested several times to speak with someone whose 1st language is English and was refused EVERY SINGLE TIME.  I'M looking for results and to date I have been given the run around. Please help me.  I am not you to stop this time and if I have to get an attorney I will.  I tired of the abuse from their reprentatives and XXXX XXXX and XXXX.  And this is just the minimum of what has happened. Below is a copy of the email with the agent. I also called him with no response before I sent this complaint.   I DON'T KNOW WHAT TO DO.  I HAVE PUT 1000 PERCENT IN THIS MATTER.\n\n\n****************************************\n\nHello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.\n\n \n\nI have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.\n\n \n\nYour agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.\n\n \n\nThanks\n\n \n\nXXXX XXXX. XXXX  | Loss Mitigation,  Negotiator\n\nOcwen Loan Servicing, LLC\n\nXXXX XXXX XXXX XXXX XXXX  | XXXX, Texas XXXX\n\nP: XXXX XXXX | F: XXXX XXXX \n\nEmail: XXXX  | XXXX \n\n \n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\nOMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this\nhas been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.\nPlease help XXXX. \nHide quoted text\n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\nHello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.\n\n \n\nI have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.\n\n \n\nYour agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.\n\n \n\nThanks\n\n \n\nXXXX XXXX. XXXX  | Loss Mitigation,  Negotiator\n\nOcwen Loan Servicing, LLC\n\nXXXX XXXX. XXXX XXXX XXXX  | XXXX, Texas XXXX\n\nP: XXXX XXXX | F: XXXX XXXX\n\nEmail: XXXX  | XXXX \n\n \n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\nOk I will make sure you get the info.  She is on vacation until Monday but I will email her right now and text her.  As far as the HOA, they responded back and they are waiting on the approval from you all.  I'm just hoping the buyers don't walk again.  Thank you.  I will follow up with you on Tuesday to make sure everything is received.\n  Thank you for getting back with me.  I appreciate it.\nHide quoted text\n\nXX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\nHello- I have emailed your realtor for the docs that we need at this time. We need\n\n \n\nProof of funds from the buyer\n\n \n\nHUD\n\n \n\nLicense from both buyers and sellers agents.\n\n \n\nIn regards to the HOA , there is nothing we can do about that at this time.\n\n \n\nXXXX\n\n \n\nFrom: XXXX  XXXXl [XXXX] \nSent: Wednesday, XX/XX/XXXX XXXX XXXX\nTo: XXXX, XXXX XXXX\nSubject: Re: XXXX XXXX\n\n \n\nOMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this\n\nhas been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.\n\nPlease help XXXX. \n\n \n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\n\nHello= I am the agent working the short sale on this file. I have been communicating through XXXX with your agent.\n\n \n\nI have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.\n\n \n\nYour agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.\n\n \n\nThanks\n\n \n\nXXXX XXXX. XXXX  | Loss Mitigation,  Negotiator Ocwen Loan Servicing, LLC\n\nXXXX XXXX XXXX  XXXX XXXX  | XXXX, Texas XXXX\n\nP: XXXX XXXX | F: XXXX XXXX\n\nEmail: XXXX  | XXXX \n\n \n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\n\nHi XXXX did you ever  receive the missing information?\nShow quoted text\nHello XXXX,\nI am confused about a letter I received about the short sale denial.  Why would y'all say that I withdrew the application as I have never had a conversation with ANYONE ABOUT WITHDRAWING YOU ALL ARE LYING ABOUT ME.  I AM WAITING ON AN APPROVAL FOR THE OFFER THAT WAS SUBMITTED.  I WOULD LIKE A REDPONSE about the offer.  I never never never withdrew the short sale.  \nHide quoted text\n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX XXXX\"  wrote:\nHi XXXX did you ever  receive the missing information?\n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\nOk thanks\n\n \n\nXXXX\n\n \n\nFrom: XXXX XXXX  [XXXX] \nSent: Wednesday, XX/XX/XXXX XXXX XXXX\nTo: XXXX, XXXX XXXX \nSubject: RE: XXXX XXXX\n\n \n\nOk I will make sure you get the info.  She is on vacation until Monday but I will email her right now and text her.  As far as the HOA, they responded back and they are waiting on the approval from you all.  I'm just hoping the buyers don't walk again.  Thank you.  I will follow up with you on Tuesday to make sure everything is received.\n\n  Thank you for getting back with me.  I appreciate it.\n\n \n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\n\nHello- I have emailed your realtor for the docs that we need at this time. We need\n\n \n\nProof of funds from the buyer\n\n \n\nHUD\n\n \n\nLicense from both buyers and sellers agents.\n\n \n\nIn regards to the HOA , there is nothing we can do about that at this time.\n\n \n\nXXXX\n\n \n\nFrom: XXXX XXXX [XXXX] \nSent: Wednesday, XX/XX/XXXX XXXX XXXX\nTo: XXXX, XXXX XXXX\nSubject: Re: XXXX XXXX\n\n \n\nOMG yes XXXX,  I don't know why she didn't respond to you for something simple as that.  Please review the the last offer sent you all because this\n\nhas been a nightmare.  I want to sell the property.  How can we get this moving forward without interruption?  Also, the HOA is foreclosing on tomorrow, how can you all help stop this from going thru.  I thought we would have closed and they would been paid by now.\n\nPlease help XXXX. \n\n \n\nOn XX/XX/XXXX XXXX XXXX, \"XXXX, XXXX XXXX\"  wrote:\n\nHello= I am the agent working the short sale on this file. I have been communicating through equator with your agent.\n\n \n\nI have been requesting to know if the previous offer (the XXXX) have rescinded there offer. In order for us to move forward I need that information so I can review a new offer.\n\n \n\nYour agent will not say whether the XXXX have rescinded their offer. Have the XXXX walked away from their offer? Please let me know So we can move forward with a new offer.\n\n \n\nThanks\n\n \n\nXXXX XXXX. XXXX  | Loss Mitigation,  Negotiator\n\nOcwen Loan Servicing, LLC\n\nXXXX XXXX. XXXX XXXX XXXX  | XXXX, Texas XXXX\n\nP: XXXX XXXX | F: XXXX XXXX \n\nEmail: XXXX  | XXXX \n\n \n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************\n\n \n\n********************************************************************************************\nThis E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While XXXX XXXX XXXX and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n********************************************************************************************","date_sent_to_company":"2017-07-20T16:39:00.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"75115","tags":null,"has_narrative":true,"complaint_id":"2580703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-07-20T15:11:28.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Delivery of this <em>message</em> to any person <em>other</em> than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this <em>message</em> from your system without reproducing or disclosing it to any third party."]},"sort":[18.343761,"2580703"]},{"_index":"complaint-public-v1","_id":"2714440","_score":14.324684,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"There are several variations of XXXX XXXX XXXX name so here is the EIN number XXXX\n\nMy family and I were badly affected by Hurricane Irma. We were forced to evacuate ( mandatory ) and were on the road for 7 days without hot water, hot meals or electricity. As a result of being forced to drive across the state of Florida ( length and width ) to escape the storm, we exhausted our on hand savings. The work contracts I had with 4 different companies was affected as well. 3 cancelled permanently. I brought this to Lending Club's attention and was basically brushed aside. Finally after writing the entire executive team - I was offered the scarcest of natural disaster assistance plans.  Zero  reprieve, and interest only payments which were essentially due immediately. Instead of keeping to this plan, Lending Club then attempted an unauthorized withdrawal from my account of $XXXX+ dollars from the agreed upon terms shown below in this email from Lending Club -\n\n ---------- Forwarded message ----------\nFrom: Lending Club \nDate: Wed, XX/XX/XXXX at XXXX XXXX\nSubject: [Lending Club] Re: Your Hardship Plan Offer\nTo: XXXX XXXX \n\n\n##- Please type your reply above this line -##\n\nPayment Solutions (Lending Club)\nXX/XX/XXXX XXXX   PDT\n\nHi XXXX,\n\nWe are happy to hear that a hardship plan may work for you. Please review the next steps listed below.\n\nStep 1: Review plan details\n* Hardship plan interest-only payments will be in the amount of: $XXXX\n* Hardship plan will start and end: XX/XX/XXXX and XX/XX/XXXX\n* Original loan maturity date: XX/XX/XXXX\n* New loan maturity date: XX/XX/XXXX\n* Estimated amount of additional interest added to the loan as a result of modifying loan terms: $XXXX\n* The final contractual payment at the end of the loan is estimated to be: $XXXX\n* The regular contractual payments of $XXXX will resume: XX/XX/XXXX\n\nBy taking advantage of this hardship program, your account status will be reported to the credit bureaus:\n* The same as the status it was at the time of the hardship payment plan approval. \n* As current upon successful completion of the trial period.\n* With the past-due status as calculated from your original delinquency, if any, if the trial period is unsuccessful.\n\nStep 2: Choose a payment method\n* ACH debits: Please confirm that we have your correct bank account, (XXXX XXXX XXXX   Checking account ending in XXXX), on file. Also, that you, XXXX XXXX   authorize LendingClub to withdraw from your Checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of $XXXX for your hardship plan payments. Finally, that we have your authorization to ACH debit this account on the date(s) described. By choosing this method, you are confirming all information is accurate and that we have authorization to proceed.\n* Mail-in check payments: If you choose this option, we will provide a mailing address for you to send your check payments in your hardship plan confirmation letter.\n\nStep 3: Respond\nTo move forward with this plan, please respond to this email immediately with the payment method you have chosen.\n\nOnce you confirm the hardship plan details, payment method, and dates, we will email you a confirmation letter within 3 business days.\n\nIf you have any questions, please get in touch with us at XXXX or by email at XXXX. Our business hours are Monday through Friday from XXXX XXXX to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX Pacific Time.\n\nBest regards,\nXXXX XXXX XXXX  \n\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Clubs SCRA benefits page here.\n\n\nAll loans made by XXXX, Member FDIC.  Borrower must be a US citizen or permanent resident and at least 18 years old.  Valid bank account and Social Security number are required.\n\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\n\nOur mailing address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.  \n\n \nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachment.\n\n[XXXX]\n\n\n_______________________________________________________________\n\nHaving agreed to the plan, I was shocked to learn from my Bank that Lending Club had tried to withdraw an unauthorized amount and am moving forward with a fraud investigation with my Bank, my legal counsel and XXXX XXXX, Florida State Attorney. \n\nIn complete disregard to our agreement - Lending Club then sent me this email -\n\n---------- Forwarded message ----------\nFrom: Lending Club \nDate: Wed, XX/XX/XXXX at XXXX XXXX\nSubject: Your Loan Payment Could Not Be Processed\nTo: XXXX\n\n\nYour Loan Payment Could Not Be Processed \n \n \nLending club\t\nYour Loan Payment Could Not Be Processed\n\nHi XXXX, \n\nYour loan payment of $XXXX due on XX/XX/XXXX could not be processed due to insufficient funds in your bank account.\n\nWe will attempt to process your $XXXX payment again in five business days. Please ensure that you have sufficient funds in your bank account at that time.\n\nIf you would like to schedule an alternative payment date or have questions about your loan, please call us at (XXXX) XXXX. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX PT. \n\nWe appreciate your business! \n\nThanks,\nLending Club\n\nLending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.\n \n \n \t\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here. \n\nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments. \n\nAll loans are issued by XXXX, member FDIC.  Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18  years old.  Valid bank account and Social Security number are required.\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\nOur physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \nEqual Housing Lender \n\n_____________________________________________________________\n\nDue to Lending Club's blatant initial disregard for me and my family being evacuees in a CAT 5 hurricane we are forced to proceed with legal action and are looking into any and all options. Having done some research on Lending Club who is in the process of trying to change its name to avoid association with the fraud and scandal that has recently been uncovered ( please see here. ) \n\nXXXX\n\nIt is obvious that a company who lies to investors and whose CEO was forced to resign is not operating at peak compliance efficiency. Though this situation has devastated us, we are certain that there are thousands more clients in Texas, Florida and now in Lending Club's backyard due to the XXXX XXXX XXXX fire who are being jerked around and blatantly lied to. \n\nOne can plainly see the agreement for interest only payments which would still be hard for us, we had request a 60-90 day reprieve to get back on our feet due to the CAT 5 natural disaster we just survived - this proposed reprieve was given to us by every creditor we had voluntarily except for Lending Club which treated us as though we were garbage and then fraudulently attempted an unauthorized withdrawal from my person checking account without my consent and in direct violation of the written modification email pasted above in this email - happy to send the originals, just ask. \n\nLending Club is now threatening to report payments as late and is relentlessly emailing and calling from various blocked or strange numbers. When I answer, there is no one there and then the line goes dead. Here is a threat from Lending Club as of 2 hours ago today -\n\n---------- Forwarded message ----------\nFrom: Lending Club \nDate: Fri, XX/XX/XXXX at XXXX XXXX\nSubject: Urgent  Please Contact Lending Club\nTo: XXXX\n\n\nUrgent  Please Contact Lending Club \n \n \nLending club\t\nUrgent  Please Contact Lending Club\n\nDear XXXX, \n\nYour account is now past due in the amount of $XXXX, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at (XXXX) XXXX today! \n\nOne of our experienced team members is ready to work with you to find a solution. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX Pacific Time. \n\nIt's important to understand that Lending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments. \n\nBest regards,\nLending Club\n\nThis is an attempt to collect a debt by a debt collector and any information we obtain will be used for that purpose. \n\n \n \n \t\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here. \n\nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments. \n\nAll loans are issued by XXXX, member FDIC.  Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18  years old.  Valid bank account and Social Security number are required.\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\nOur physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \nEqual Housing Lender","date_sent_to_company":"2017-10-27T18:23:20.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"2714440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lending Club Corp","date_received":"2017-10-27T16:43:57.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Best regards,\nXXXX XXXX XXXX  \n\nXXXX is receiving this <em>message</em> because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional <em>message</em> is being sent in accordance with Lending Club's Terms of Use. You <em>cannot</em> opt-out of receiving transactional emails as they provide important information about your account."]},"sort":[14.324684,"2714440"]},{"_index":"complaint-public-v1","_id":"2761893","_score":12.680613,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX of XXXX denied credit for a lease, pulled lease, repossessed vehicle, and refused to provide any documentation as to why. Concern is \nthat this may be an ongoing scheme to defraud the general public and backed by discriminatory business practices.\n\nComplainant:  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX TN  XXXX\n\nXX/XX/XXXX Vehicle leased from XXXX XXXX of XXXX located at XXXX XXXX XXXX TN  XXXX.  Paid one month lease up front for XXXX XXXX XXXX XXXX Lease was through Toyota Financial services.  Lease was in Company name.\n\nXX/XX/XXXX; XXXX Sales called and asked for article of incorporation.  Document sent to XXXX same day. XXXX XXXX, XXXX; XXXX XXXX called XXXX) and left VM that he had some questions.  Unable to reach XXXX after multiple calls.  Sent email to Sales: XXXX,\n\nXXXX Is this what you needed.  I also had a XXXX call me as well?  The receptionist could not track anyone by that name down.\n\nReply: Yes, we've received this document already. I believe there is a hold up in the Finance department concerning your Lease. Myself(XXXX XXXX, XXXX XXXX and XXXX XXXX are the ones reaching out.\n   The last update I received is that Toyota Financial Services is seeking a Guarantor for your Lease based on the audited financials. \n\nXXXX Seems a bit late for that?  We just had a lease with XXXX for three years under these same circumstances.  I just turned in the XXXX Let me know next steps.  We will not be assigning a Guarantor.\n\nXX/XX/XXXX:  XXXX XXXX left VM wanting to speak about guarantor. XXXX spoke with XXXX on phone and asked if they could provide credit references, reminded them that they just turned in a XXXX after a three year lease because they picked up XXXX\n\nXX/XX/XXXX: XXXX left VM and stated that there was nothing they could do and they wanted to come and pick up vehicle.\n\nReceived a call from XXXX XXXX? From XXXX stating he wanted to come to pick up vehicle.  XXXX eventually spoke with XXXX and when asked, stated he did not have to provide any documentation as to why the credit was denied and that he would not put anything in writing as to why.XX/XX/XXXX  Email sent to XXXX XXXX,\n\nI have received a considerable amount of voicemails (VMs) from yourself and others at XXXXXXXX XXXX that include XXXX XXXX?, the Sales Manager.  In reviewing all the VMs and the two emails that I have received from XXXX, at no time has anyone put in writing why you are requesting to pick up the vehicle.  XXXX has not provided documentation of any kind to state why XXXX has been denied credit.  The fact that you have sent a copy of purchase document does not negate the contractual obligation XXXX has with Toyota Financial Service (TFS) via the Closed-End Motor Vehicle Lease Agreement Tennessee.\n\nXXXX has consulted with Counsel and we request in writing, with supporting documentation, why we have violated the terms of the Closed-End Lease.  Until such time as we receive this official notification, we will not be returning the vehicle we feel we are legally in possession of.  We have every plan to pay on time as was relayed on our calls and proceed to honor the terms of the Closed-End Lease with TFS.  The first direct request by XXXX that you wanted to pick up the vehicle wasXX/XX/XXXX  When I asked XXXX XXXX on XX/XX/XXXX to just send me documentation he stated he would not give me anything in writing nor in an email and also advised that he did not have to do that. XXXX has offered to put more money down, obtain a letter from our parent company, etc.  Our effort was met by XXXX that there were no other options other than XXXX was going to come get the vehicle.  It is unconscionable that you would not provide notice enough to transition to another vehicle after you are fully aware that we turned in a XXXX lease to go with Toyota.  XXXX did everything you asked us for to acquire this vehicle.\n\nIn that vein, I received a VM today from XXXX XXXX that I feel was threatening in nature.  To tell a paying customer that if he did not hear from XXXX by noon he would be sending two guys out to get the vehicle seems over the top and would constitute an illegal act.  As such, should any XXXX representative attempt to acquire this vehicle for their own use or for another party, we would be left no choice but to engage law enforcement.  I truly hope it does not come to this and that we can resolve this quickly.\n\nOur position is clear at this juncture; we are in legal possession of the vehicle.  Please do not interrupt my business by calling my cell phone or business phone going forward.  All communication from this point forward will be documented in writing or email.\n\nXXXX XXXX\nChief Operating Officer & Partner\n\nXXXX XXXX XXXX XXXX - XXXX \n\n\nXX/XX/XXXX  XXXX sent third party towing company to illegally repossess vehicle.  Inside the vehicle were personal effects and company property.\n\nXX/XX/XXXX XXXX finally allowed XXXX to pick up personal items and company property from vehicle.\n\nXX/XX/XXXX:  THE EMAIL CHAIN BETWEEN XXXX AND XXXX BELOW CLEARLY STATES XXXX WAS IN THE WRONG AND SHOULD HAVE PROVIDED WRITTEN NOTIFICATION THAT XXXX WAS DENIED CREDIT.  WE HAVE BEEN IN BUSINESS AT THIS LOCATION SINCE XX/XX/XXXX WITH A VERY HIGH VOLUME OF PACKAGE DELIVERY GIVEN OUR BUSINESS.  TO THIS DATE WE STILL HAVE NOT RECEIVED ANY DOCUMENTATION OF DENIAL OF CREDIT FROM XXXX OR TOYOTA.\n\nStill no notification.  I can have someone stop by XXXX  and pick it up.\n\nFrom: XXXX XXXX \nSent: XXXX XX/XX/XXXXXXXX 10:23 PM\nTo: XXXX XXXX XXXX Subject: RE: XXXX XXXX XXXX\n\nWe get mail here every day.\n\n\nXXXX XXXX\nChief Operating Officer & Partner\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nFrom: XXXX XXXX XXXX XXXX \nSent: XXXX, XX/XX/XXXX 8:00 AM \nTo: XXXX XXXX\nCc: XXXX XXXX XXXX\nSubject: RE: XXXX XXXX XXXX XXXX, here is the response we got from TFS:\n\nTwo where sent on XX/XX/XXXX to the address submitted: XXXX XXXX XXXX XXXX XXXX XXXX.  Please verify the address.  We receive return mail on these every day.  Im resending another letter out today.\n\nCan you provide another address?\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.\n\nCONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.\n\n\nFrom: XXXX XXXX XXXX] \nSent: XXXX, XXXX XXXX XXXX XXXX XXXX\nTo: XXXX XXXX XXXX \nSubject: RE: XXXX XXXX XXXX \nThank you.\n\nFrom: XXXX XXXX XXXX  XXXX \nSent: XXXX XXXX XXXX XXXX XXXX XXXX\nTo: XXXX XXXX \nCc: XXXX XXXX XXXX\nSubject: RE: XXXX XXXX XXXX\n\nLet me follow up. XXXX was told TFS had sent it out.\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.\n\nCONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.\n\n\nFrom: XXXX XXXX XXXX \nSent: XXXX, XX/XX/XXXX 2:51 PM \nTo: XXXX XXXX XXXX \nSubject: FW: XXXX XXXX XXXX XXXX XXXX still has not received the denial of credit letter from your client or Toyota.\n\nRegards,\n\nXXXX XXXX\nChief Operating Officer & Partner\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services.   At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365.   XXXX customers appreciate the value of a local partner they can turn to for all their needs:  network services, colocation, managed security services, and voice (VoIP).\n\n\n\nFrom: XXXX XXXX \nSent: XXXX XX/XX/XXXX 6:18 PM\nTo: XXXX\nSubject: FW: XXXX XXXX XXXX XXXX,\n\nI have not seen the letter as of yet, but I am sure it is on its way.  I have one of my employees stopping by tomorrow to pick up personal items that were in the vehicle.  He will have the manuals and keys to the vehicle to trade out.  Can we also get our pro-rated refund for the funds we expended.  XXXX was for the full month.\n\nRegards,\n\nXXXX XXXX\nChief Operating Officer & Partner\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services.   At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365. XXXX customers appreciate the value of a local partner they can turn to for all their needs:  network services, colocation, managed security services, and voice (VoIP).\n\n\n\nFrom: XXXX XXXX XXXX] \nSent: XXXX, XXXX XXXX XXXX XXXX XXXX\nTo: XXXX XXXX \nSubject: FW: XXXX XXXX XXXX XXXX XXXX  |  Attorney\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n   Follow Me:        \nFrom: XXXX XXXX XXXX XXXX \nSent: XXXX,XX/XX/XXXX 10:11 AM\nTo: XXXX XXXX \nCc: XXXX XXXX XXXX\nSubject: XXXX XXXX XXXX XXXX I represent XXXX Motor Company.  Please forward any further contact regarding XXXX XXXX XXXX to me.  It is my understanding that Toyota Financial Services has mailed an adverse action notice to your client.\n \n \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.\n\nCONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.\n \n \n\n________________________________________\nXXXX XXXX XXXX  PLLC mail server made the following annotations: \n\n**************************************************************************\n\nThis message is intended exclusively for the individual or entity to \nwhich it is addressed. This communication may contain information \nthat is proprietary, privileged, confidential or otherwise legally exempt \nfrom disclosure. If you have received this message in error, you are not \nauthorized to copy, print, distribute, or otherwise use the information. \nPlease contact the sender immediately by return e-mail and delete the \noriginal message and all attachments.","date_sent_to_company":"2017-12-21T15:40:14.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"37217","tags":null,"has_narrative":true,"complaint_id":"2761893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2017-12-21T14:28:59.000Z","state":"TN","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["If you have received this <em>message</em> in error, you are not \nauthorized to copy, print, distribute, or otherwise use the information. \nPlease contact the sender immediately by return e-mail and delete the \noriginal <em>message</em> and all attachments."]},"sort":[12.680613,"2761893"]},{"_index":"complaint-public-v1","_id":"2551082","_score":12.58957,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I sent this email today, XX/XX/XXXX, since Kohl's had not resolved the problem.\nDear XXXX XXXX,\nI received a call from XXXX on Saturday, XX/XX/XXXX. She assured me that she would correct the situation, by changing the minimum amount due. I emphasized that I was greatly upset by it saying that my account was past due, which it is NOT, and that this notice was from a debt collector. She again assured me that all would be corrected.  I gave her until today, XX/XX/XXXX,  then checked it. She may have changed the minimum amount due, which had nothing to do with anything, since I plan to pay it in full by XX/XX/XXXX the date due, however my account still shows:\n\nYour account is past due.\t              \tMake Payment Now\nThis summary reflects the most current account information.\nAccount Number :\tXXXX\tUpdate Contact Information\nPrimary Cardholder :\tXXXX Email Address :\tXXXX Statement Delivery Method :\tElectronic Only\t \nBalance as ofXX/XX/XXXX:\t$ XXXX\tView Transactions\nAvailable Credit :\t$ XXXX\tCredit Limit :\t$ XXXX\tRequest Credit Line Increase\nMinimum Payment Due :\t$ XXXX\tMake A Payment\nPayment Due Date :\tXX/XX/XXXX\tView Payments\nLast Payment Amount :\t$ XXXX \nLast Payment Posted :\tXX/XX/XXXX\tLast Statement Balance :\t$ XXXX \nLast Statement Date :\tXX/XX/XXXX \t \n\n***This is a communication from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.***\n\n\nI called XXXX and apparently she is gone untilXX/XX/XXXX  Since the situation has not been handled I am filing a complaint with the Consumer Finance Dept. Evidently this is just too big a problem for Kohl's to correct. Kohl's finds it very simple to XXXX up my account, and they claim they will correct it, but they don't.\n\nThank you, XXXX -----  Forwarded Message -----\nFrom: XXXX To: \"XXXX\" ; \"XXXX\" Sent:  Friday,XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX Subject: Fw: Return at XXXX store/ Customer \"service\" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]\n\nDear XXXX XXXX:\n\nApparently the situation was not resolved. I received the email \"A friendly reminder\" below yesterday.   Evidently your system does not understand that this was handled. My statement does not show the $XXXX return as clearing out last month's balance, apparently. The amount I owe, shown online, is correct, yet my account is shown as past due and that I \"missed my most recent payment\" last month.  I did not miss any payment. The two payments I made online and the return I did at the store, more than cleared that month's balance.  \n\nLast month the amount I owed was $XXXX\nI paid $XXXX onXX/XX/XXXX I made a return of $XXXX on XX/XX/XXXX I paid $XXXX onXX/XX/XXXX \nTherefore my balance was XXXX\n\n\nI owe $XXXX, which is due XX/XX/XXXX and it is NOT past due.  I am getting very tired of this situation, and having to deal with Kohl's errors and lack of thoroughness.  I am strongly considering cancelling my Kohl's account, as me having to do Kohl's accounting work to correct their errors on my account, wasting my time researching this, writing you emails, hoping that Kohl's will finally get it together and fix this accurately, gives me nothing but XXXX XXXX XXXX. I will tell you, that my account had better not be reported to the credit agency as late.\n\nI've been doing everything I am supposed to do, paying my account in full every month, being a good customer, yet Kohl's is doing its very best to try to XXXX me over.  Please see below and get back to me ASAP.  I will file a complaint on Monday,XX/XX/XXXX, with the Consumer Finance Department, if this is not resolved immediately. It's ridiculous for such a large company to be so incompetent.  I have never had any problem like this with any other credit card company or department store. Only Kohl's. It makes Kohl's employees look extremely unskilled and totally unconcerned about what their customers have to deal with due to their irresponsibility.  I do not like having to deal with a company like that. Imagine if every store credit card was like Kohl's, XXXX up their customer's accounts, and totally untrustworthy as to the status of their customers' accounts.\n\nI could not save the pdf file of my bill due XX/XX/XXXX, which does not show the return of $XXXX, so I copied it into Word. It is attached.  \n\nThank you, XXXX A friendly reminder\n\nKohl's XX/XX/XXXX at XXXX XXXX \nTo XXXX\nMessage body\n \nACCOUNT SUMMARY\nAccount ending in XXXX Balance:\n$XXXX\nXXXX...,\n\nWe hope you are enjoying the great benefits your Kohl's charge has to offer. We have noticed you missed your most recent payment. We understand this may be an oversight and we would like to help you avoid future fees. Please utilize one of our convenient methods to the right to make your payment or contact our team of specialists to update your account information.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nI checked my account online. I owe $XXXX  which is due XX/XX/XXXX. Today isXX/XX/XXXX. So it is not past due.  It is still seeing that I owe my previous balance, which was paid online, and by my return to the store, which the store did not handle correctly, but which supposedly was corrected by XXXX at the Office of the President . What my account shows online:\n\n\n\nYour account is past due.\n              \nMake Payment Now\nThis summary reflects the most current account information.\nAccount Number :\nXXXX\nUpdate Contact Information\n \nPrimary Cardholder : XXXX Email Address : XXXX \n \n \nStatement Delivery Method :\nElectronic Only\n \n \nBalance as of XX/XX/XXXX :\n$ XXXX \nView Transactions\n \nAvailable Credit :\n$ XXXX\n \n \nCredit Limit :\n$ XXXX Request Credit Line Increase\n \nMinimum Payment Due :\n$ XXXX\nMake A Payment\n \nPayment Due Date XX/XX/XXXXView Payments\n \nLast Payment Amount :\n$ XXXX\n \n \nLast Payment Posted :\nXX/XX/XXXX Last Statement Balance :\n$ XXXX\n \n \nLast Statement Date :XX/XX/XXXX ***This is a communication from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.*** Transaction History\n\tWelcome, XXXX  ( XXXX ) \nMessages: 0 New View transaction details for:\tPrint Friendly Version \n\nTransactions\t\nSearch Transactions:\t\n\nSearch Transactions\n\t\tSearch\t\t\nView All\n\nTrans\nDate\tPost\nDate\tTransaction Description\tAmountXX/XX/XXXX\tRTRN RVRSL AT XXXX XXXX STORE\t$XXXX XX/XX/XXXX\tXX/XX/XXXX\t*INTEREST CHARGE* PURCHASES REFUND\t$XXXX\n\n\n\n\n\nOnline Payment\n*Required Field\nClick Account Name to View /Delete payment account.\n \tAccount Name\tVerified\tRouting #\tAccount Number:\tName as it appears on check\nXXXX XXXXYes\tXXXX\nPay this amount*:\t\nminPayAmount\nMinimum Payment Due\t$XXXX  \t\nlastStmtTotalBal\nLast Statement Total Balance:\t$XXXX \n \t \t(Total Balance from most recent statement does not reflect changes or credits since your last statement.)\n \t\ncurrentBal\nCurrent Balance:\t$XXXX\n \t \t(Current Balance does not reflect statement balance.)\n \t\notherAmount\nOther Amount $:\t\n\n \t \t(no commas = e.g. enter XXXX for $XXXX)\nPayment Date*:\t\npayDate\nPayment Due Date:XX/XX/XXXX today\nToday   (You may submit a payment for 'Today' until XXXX XXXX CT.)\n \t\notherDate\nOther:\t\n\n \t/\t \t\n\n \t/\t \t\n\n  Pick a date  \t(mm/dd/yyyy)\t\n \t \tPayments may NOT be postdated more than 180 days.\nConfirmation email*:XXXX  \tChanges to your email address will not update your online profile email address.\nSubmit\tReset\tCancel\n\n\n\n\n\n\n----- Forwarded Message -----\nFrom: XXXX To: Kohl's Customer Support  \nCc: \"XXXX\" \nSent: Thursday, XX/XX/XXXX XXXX XXXX\nSubject: Re: Return at XXXX store/ Customer \"service\" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]\n\nHello,\nI wanted to let you know that I spoke with XXXX, who said she was calling from the President's office, and she assisted me and was very helpful. It appears from looking online at my account, that the situation has been resolved. \n\nThank you, XXXX From: Kohl's Customer Support \nTo:...XXXX \nSent: Friday, XX/XX/XXXX XXXX XXXX\nSubject: Return at XXXX store/ Customer \"service\" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]\n\n\n\n \n Response\nWe have received your email message with the subject:\n \nReturn at XXXX store/ Customer \"service\" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION\n \nWe will respond to you as soon as possible.\n \nThank you,\n \nXXXX Escalated Team\n \nCONFIDENTIALITY NOTICE: This e-mail is intended solely for the person or entity to which it is addressed and may contain confidential and/or privileged information.  Any review, dissemination, copying, printing, or other use of this e-mail by persons or entities other than the addressee is prohibited.  If you have received this e-mail in error, please contact the sender immediately and delete the material from your computer.\n \n\n Discussion Thread\n Customer By Email (XXXX  )\tXX/XX/XXXX XXXX XXXX\nSince no has yet responded to my previous email, I will share with you the \"secure message\" replies I received to the secure messages I sent yesterday morning.\n\nDoes this look like \"help\"? \n\n\"I am happy to assist you today. Please know that for any order inquiry, you will have to contact Kohls.com directly. You may email them at XXXX or call their Customer Service Contact Center at XXXX.\"    Am I asking about an ORDER?   Does it even look as though they read what I wrote?  No, they just copy and paste telling me to call customer service and blah blah blah.  \"I hope this information is helpful.\"  No, it is not.  \"We appreciate the time you took to contact us [NO, YOU DON'T] and look forward to serving you again.\"  You haven't served me yet, how are you going to serve me \"again?\"\n\nKohl's \"Secure Message\" is so secure you will NEVER get an answer.\n\nBy the way, your website XXXX.  You cannot  go to the \"next\" message, you have to go back to the message center and click on another message. You cannot reply to any of these messages  You have to start all over. So that a new person will never know what you are talking about. Which doesn't matter, as no one even reads them.\n\nUser Name:\tXXXX Submitter Name:\tXXXX\n\nSubject:\tOther\n\nMessage:\tXX/XX/XXXX XX/XX/XXXX EXXXX # XXXX $XX/XX/XXXX XX/XX/17 XX/XX/17 THANK YOU FOR THE PAYMENT $XXXX XX/XX/XXXX XX/XX/XXXX THANK YOU FOR THE PAYMENT $-XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX LATE FEE $XXXX I'M NOT PAYING ANY LATE FEE.\n\nStatus:\tCompleted\n\nMemo:\t\nThank you for contacting Kohl's regarding your Kohls.com order. I am happy to assist you today. Please know that for any order inquiry, you will have to contact Kohls.com directly. You may email them at XXXX or call their Customer Service Contact Center at XXXX. Representatives are available daily from XXXX XXXX to XXXX XXXX. Hours of operation may vary and are subject to change. I hope this information is helpful. We appreciate the time you took to contact us and look forward to serving you again\nXXXX \nSubmitter Name:\tXXXX\n\nSubject:\tOther\n\nMessage:\tIt is XX/XX/XXXX. It has been MORE THAN 48 HOURS. Still THE RETURN does not SHOW UP. I AM NOT PAYING INTEREST BECAUSE MY BALANCE FOR THAT MONTH SHOULD BE BELOW XXXX.\n\nStatus:\tCompleted\n\nMemo:\tThank you for taking the time to contact us regarding your return. I appreciate the opportunity to review your concern. In order to fully research this matter, we will need more information. Please call our Customer Service Contact Center at XXXX so that we may assist you further. Kohl's Customer Service Representatives are available Monday through Saturday, XXXX XXXX to XXXX XXXX,  and Sunday, XXXX XXXX to XXXX XXXX Central Time. Hours of operation are subject to change. I apologize for any inconvenience this matter may have caused. We appreciate the time you took to contact us and look forward to serving you again. Have you signed up for XXXX Rewards yet? Enhance your shopping experience at Kohl's with 8 offers a year, a birthday gift, opportunities to earn bonus points, and $XXXX coupons for every 100 points you earn. For more information or to enroll visit our Kohls.com Customer Service page.\n\n\n\nUser Name:XXXX \n\nSubmitter Name:\tXXXX \nSubject:\tOther\n\nMessage:\tIt's been MORE THAN 48 HOURS. STILL NOT SHOWING UP. WHAT IS THE PROBLEM. I AM NOT PAYING ANY INTEREST ON THIS BECAUSE I OWE XXXX. previous MESSAGE - since you don't allow REPLIES I made a return on XX/XX/XXXX. It still does not show up on my account as of today. However, I made a payment yesterday XX/XX/XXXX, and it shows \"pending.\" Please advise why the return doesn't show up. Status: Completed Memo: Thank you for taking the time to contact us regarding your recent payment for your Kohl's Charge account. I do understand your concern and I appreciate this opportunity to assist you with your payment. I have found that your payment has been received, and still on pending status. Please allow 24 to 48 hours to be posted on your account. I hope that this information is helpful. We appreciate the time you took to contact us and look forward to serving you again. Ha\n\nStatus:\tCompleted\n\nMemo:\tThank you for taking the time to contact us regarding your Kohl's Charge account. I am unable to assist you via email with the information provided. Please call our Customer Service Contact Center at XXXX so that we may assist you further. Kohl's Customer Service Representatives are available Monday through Saturday, XXXX XXXX to XXXX XXXX, and Sunday, XXXX XXXX to XXXX XXXX Central Time. Hours of operation are subject to change. I apologize for any inconvenience this matter may have caused you. We appreciate the time you took to contact us and look forward to serving you again.\n\n\n\n----- Forwarded Message -----\nFrom: XXXX\nTo: XXXX  \nCc: XXXX \nSent: Thursday,XX/XX/XXXX  XXXX XXXX \nSubject: Return at XXXX store/ Customer \"service\" phone call\n\nTo Whom it  May Concern:\n\nI ordered some shoes online from Kohl's on XX/XX/XXXX.  The total on my Kohl's charge for the shoes was $XXXX.  I had a previous in store (XXXX, Texas) charge for $XXXX.  I paid the $XXXX online on XX/XX/XXXX. I returned the shoes to the store in XXXX Texas, that same day, XX/XX/XXXX. I was \"helped\" by a XXXX XXXX girl who did not seem to know what she was doing. I asked why my return amount was $XXXX instead of what I was charged $XXXX. She called a young man over and he said it was Kohl's cash. I was not sure if I had used the Kohls cash, on a later purchase, or not. She gave me a receipt that says $XXXX-. I then made a payment of $XXXX onXX/XX/XXXX to cover the \"Kohls cash\" that was taken away from me. I checked my account for the return of $XXXX made on XX/XX/XXXX, and was not showing up.  I did a secure message, the next day, XX/XX/XXXX, when it still did not show up:\n\nI made a return on XX/XX/XXXX. It still does not show up on my account as of today. However, I made a payment yesterday XX/XX/XXXX, and it shows \"pending.\" Please advise why the return doesn't show up.\n\nStatus:\tCompleted\n\nMemo:\tThank you for taking the time to contact us regarding your recent payment for your Kohl's Charge account. I do understand your concern and I appreciate this opportunity to assist you with your payment. I have found that your payment has been received, and still on pending status. Please allow 24 to 48 hours to be posted on your account. I hope that this information is helpful. We appreciate the time you took to contact us and look forward to serving you again. Have you signed up for XXXX Rewards yet? Enhance your shopping experience at Kohl's with 8 offers a year, a birthday gift, opportunities to earn bonus points, and $XXXX coupons for every XXXX points you earn. For more information or to enroll visit our Kohls.com Customer Service page.\n\nThe reply is above, received today,XX/XX/XXXX. It did not address my question about the return, it said nothing about the return, it was referencing the payment I made, plus a lot of unnecessary and annoying blah blah about XXXX rewards. Obviously, it has been more than 48 hours since the return. But whoever answers these messages didn't bother to notice that.\n\nSo I did three more \"secure messages\" this morning, XX/XX/XXXX.   I then checked my account and noticed I had been assessed a $XXXX late charge. I then called the customer service number, XXXX. I was told that there would be a survey to complete at the end. I was disconnected without a survey.\n\nI spoke to a young man, did not get his name. I was on the phone with him about 25 minutes, while he put me on hold several times to \"check\" on things. I told him the situation. He asked if I had made the return in order to cover the minimum payment? As if I were supposed to make a minimum payment even if I didn't owe anything, once I made the return. (If you must know, I took the shoes back because they were too large.) \n\nHe said he did not see the return. He asked if I had my receipt and I said yes. He asked for a number on the receipt.  I read off the number XXXX and he found it. He said the person at the store had \"voided\" it.  I looked and the top/middle of the receipt has TOTAL $XXXX-.  Close to the bottom it has VOID AMOUNT XXXX-.   I said she did not seem to understand what she was doing. I said I had ordered the shoes online with my Kohls card and it should have been returned to my Kohl's card. He put me on hold again. He talked to a \"supervisor.\" He said I would have to go back to the store and tell them to correct their mistake. I said they made the mistake, why should I have to do all the work? He put me on hold. He came back and asked how far the store was from me? I said I don't know, 3 miles, 5 miles? (I looked it up and it is 5.9 miles from my work.)  So I'm thinking, I've already driven there and back once to make the return. Why am I supposed to waste my time and gas again, to drive to the store, walk all the way to the back of the store and wait, and get them to fix their error, when Kohl's has caused me the problem? That I have already wasted too much time on? And then probably still have to call back to customer service to waste more time with  them to remove the $XXXX late fee?  I was not aware that I was a Kohl's employee. I'm not getting paid for all this work.\n\nI asked to talk to a supervisor. He said the supervisor that he had just talked to had \"left.\" I thought, that was quick. He then corrected himself, and said the supervisor was helping someone else. I said I still needed to speak to a supervisor.  So he put me on hold.\n\nFinally a man came on with a very thick XXXX or XXXX accent. I think he said his name was XXXX, but I could barely understand him. He acted as though he knew nothing about the whole situation. He was impatient and brusque.  After questioning him to find out what he already knew, he said it was about a problem I had with a return at the store. He said there wasn't anything they could do, they did not do returns over the phone (or correct any problems apparently) and I would HAVE to go back to the store to get them to fix their mistake. I said, I'm supposed to correct the problem they caused and what do I get? He said they could possibly give me some coupons. I said I didn't want any XXXX coupons (as it's not likely I'll shop at Kohl's again after this). He said that he was respecting me (really?) and I should respect him in return. I said that he was very difficult to understand (he was) and I wanted to speak to someone else. He said this was not about him, it was about my return.  I said again that he was difficult to understand, and I wanted to speak to someone that I could understand. He said okay, and put me on hold. He evidently had no intention of letting me speak to someone else, he merely sent me to where I would be disconnected.\n\nAfter about 5 minutes of me waiting to speak to a person who could speak intelligibly, the call went back to a recording: press 1 for this, 2 for that, 0 for the operator. When I pressed 0 and it just kept repeating: Press 1 for this, 2 for that, 0 for the operator. I pressed 0 every time, about four times, never got an operator, and then it hung up on me. I was on the phone for approximately 31 minutes with \"customer service\" from XXXX XXXX CST to XXXX XXXX CST.  I wasn't given a chance to complete a survey, either, as I had been told at the beginning of my call.  \n\nThen end result of this 31 minutes with Kohl's \"customer service\" was that the XXXX store XXXX up, I got charged a $XXXX late fee when I owe XXXX, and too bad for me, according to your customer service SUPERVISOR. He basically said I'd better get out there and do Kohl's work for them.  He did not have any customer service skills. The gentleman I spoke with before him, was at least polite.\n\nI have attached a copy of the receipt showing the return of the shoes and $XXXX credit. There is also the back of the receipt which claims HASSLE-FREE RETURNS.  This is the MOST HASSLE I have ever had with a return IN MY LIFE. Also, it would help if your customer service people learned some telephone skills. You NEVER tell anyone that they HAVE to do something, unless your intent is to make the customer angry.\n\nI would appreciate if someone would get back with me to resolve this as soon as possible, someone who knows and cares what they are doing, regarding my credit of $XXXX not showing up, as well as the $XXXX late fee charged in error.  \n\nThank you,\nXXXX","date_sent_to_company":"2017-06-13T21:01:36.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"76710","tags":null,"has_narrative":true,"complaint_id":"2551082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-06-13T20:29:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["\"We appreciate the time you took to contact us [NO, YOU DON'T] and look <em>forward</em> to serving you again.\"  You haven't served me yet, how are you going to serve me \"again?\"\n\nKohl's \"Secure <em>Message</em>\" is so secure you will NEVER get an answer.\n\nBy the way, your website XXXX.  You <em>cannot</em>  go to the \"next\" <em>message</em>, you have to go back to the <em>message</em> center and click on another <em>message</em>. You <em>cannot</em> reply to any of these <em>messages</em>  You have to start all over."]},"sort":[12.58957,"2551082"]},{"_index":"complaint-public-v1","_id":"7598442","_score":11.61,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.61,"7598442"]},{"_index":"complaint-public-v1","_id":"8189093","_score":11.378378,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX XXXX XXXX XXXX XXXX (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX  \n(Case 2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n(Case 3) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX. In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX  XXXX XXXX XXXX XXXX sets the stage of exactly what to expect in his XXXXXXXX XXXX XXXX decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the XXXX XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX XXXX XXXX XXXX to address the obvious.  Your appropriate response requires many many many more than XXXX  pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX  CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently XXXX  in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX  and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"InvestiNet LLC","date_received":"2024-01-19T16:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.378378,"8189093"]},{"_index":"complaint-public-v1","_id":"8181882","_score":11.378378,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX case due to the normal mandatory default for complex claims exceeding XXXXXXXX  with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in case XXXX XXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXXXXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as XXXX XXXX XXXX XXXX XXXX, but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  XXXX  on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least XXXX consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX  based on my XXXXXXXX XXXX  credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX   shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires XXXX XXXX XXXX XXXX to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX XXXX attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXXXXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8181882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-19T16:52:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[11.378378,"8181882"]},{"_index":"complaint-public-v1","_id":"8189166","_score":11.364197,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.364197,"8189166"]},{"_index":"complaint-public-v1","_id":"7476099","_score":11.293019,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.293019,"7476099"]},{"_index":"complaint-public-v1","_id":"7588805","_score":11.290453,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XXXX XXXX XXXX Pollack & RosenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  back-dated attached XXXX XXXX XXXX. Notice of XXXX but mailed about XXXX and delivered XXXX and received XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX  District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX  citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years old XXXX  male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires","date_sent_to_company":"2023-09-22T11:30:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7588805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-22T11:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.290453,"7588805"]},{"_index":"complaint-public-v1","_id":"7535422","_score":11.290453,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX  \nXXXX XXXX, XXXX  \nRAS LaVrar, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  & XXXX  dated XXXX XXXX XXXX & XXXX  Received on XXXX XXXX, XXXX  \nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX  XXXX, XXXX  at XXXX  (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of BIG BROTHER.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of BIG BROTHER, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to XXXX, XXXX, XXXX, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  male and XXXX XXXX XXXXXXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX  shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX  Moreover, many of the XXXX XXXX  data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails a","date_sent_to_company":"2023-09-12T11:16:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7535422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-09-12T11:08:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.290453,"7535422"]},{"_index":"complaint-public-v1","_id":"7625065","_score":11.257019,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad","date_sent_to_company":"2023-10-01T14:38:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7625065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-01T14:10:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.257019,"7625065"]},{"_index":"complaint-public-v1","_id":"6926616","_score":11.257019,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXXXX/XX/2023\nRAS LaVrar, LLC\nXX/XX/FL XXXX  \nYour Reference XXXX XXXX  \nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by XXXX  mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by XXXX  every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by XXXX  mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The XXXX, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my XXXX  mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the XXXX  tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and XXXX  errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX dated XX/XX/2023 and XXXX datedXX/XX/2023 and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even XXXX  attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX XXXXXXXX and American with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX XXXX totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX to gain nothing?  Do you think you can avoid my XXXX  XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXXXXXX shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2. Why is data reported on Metro 2 but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system. Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory Metro 2 protocols have been compliant or violated. If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents","date_sent_to_company":"2023-05-03T20:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6926616","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-05-03T20:33:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.257019,"6926616"]},{"_index":"complaint-public-v1","_id":"6944199","_score":11.254212,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX\n\nXX/XX/XXXX\n\nXXXX XXXX, XXXX.\nFormerly known as Patrick A. Carey, P.A.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX\n\nYour Reference File # XXXX\n\nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XX/XX/XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX  dated XX/XX/ and XXXX dated XX/XX/XXXXand the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under MXXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XX/XX/XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX male and American XXXX XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX  and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXX?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the Nationwide Multistate Licensing System at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be respons","date_sent_to_company":"2023-05-05T12:40:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6944199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PATRICK A. CAREY, P.A.","date_received":"2023-05-05T12:30:21.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Likewise, kindly immediately STOP all further unwanted direct and indirect text <em>messages</em>, emails, phone calls, voice <em>messages</em>, or any <em>other</em> social media or <em>other</em> communication with me regarding your attempts to collect the purported DISPUTED debt."]},"sort":[11.254212,"6944199"]},{"_index":"complaint-public-v1","_id":"2566172","_score":11.064602,"_source":{"product":"Mortgage","complaint_what_happened":"Hi Again:\n\nI just spoke with the research department.  Agent ID is XXXX XXXX XXXX she said she was unable to handle loan because it was in the United States.  Reiterated my Loan Number is XXXX XXXX XXXX  for the property at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC XXXX\n\nXXXX won't answer why she can't access South Carolina mortgages or discuss any information given that OCWEN does most of its mortgages in the U.S.  She confirmed that she has all information necessary to fix the problem - loan number - address - and my SSN but did nothing to remedy the problem.  Her Supervisor is XXXX  XXXX - Agent ID XXXX. \n\nShe tried to send me to U.S. Customer Service and said they might send me to the escalation department.  I noted that I'd just spoken with customer service and they had sent me to her in OCWEN research.  She then admitted she is both in research and in in escalations.  So she was trying to send me in a circle back to customer service and then back to her in escalations.  She then said she would send me to a manager in U.S. Escalations.\n\nThe entire process was very annoying and appeared deliberately designed to annoy - from the first call to the ear-piercing and annoying music - at least 10 decibels higher than the actual volume of the conversation. \n\nOnce transferred to Escalations Manager - XXXX - Agent ID XXXX.  XXXX cut me off - admitted had all information and refused to assist in any way.  Refused to open any research request or to help in any way.  Advised me to contact the research department that had just transferred me to her - again - running me in a circle.  Appeared the entire process was geared to obstruct.\n\nOCWEN remains the worst customer service I've yet experienced.  My loan was sold to them by another mortgage company. The type of unconscionable conduct needs to be addressed.  It is precisely this type of deliberate obstruction that resulted in prior lawsuits against OCWEN.\n\nThank you.\n\nXXXX XXXX XXXX \n\nOn Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:\n\n    Dear Representative:\n\n    I just spoke with OCWEN Agent # XXXX XXXX - Ocwen Customer Care regarding the OCWEN settlement.  He claimed he was unable to find my loan # XXXX XXXX XXXX which was opened in XX/XX/XXXX and closed in XX/XX/XXXX. \n\n    He made no effort to locate my loan Loan Number XXXX XXXX XXXX\n    for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.  \n\n\n    He instead said I should contact the research department at the below address.  He seemed more intent on obstruction of the process than on helping anyone.  Pretty much what I'd expect from OCWEN and precisely why your company was sued in the first place.  \n\n\n    Please help me apply for my OCWEN settlement and any benefits to which I may be thereunder entitled.\n\n    Fax: XXXX XXXX XXXX\n\n    Ocwen Loan Servicing LLC\n    Attn Research Department\n    XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\n\n    XXXX\n\n    Perhaps if you'd act with some integrity and try to help people per the class action, you would not be sued as often for obstruction. \n\n    Regards,\n\n    XXXX XXXX XXXX.\n    XXXX\n    \n\n    ----------  Forwarded message ----------\n    From: consumerrelief \n    Date: Wed, XX/XX/XXXX at XXXX XXXX\n    Subject: Auto response\n    To: XXXX XXXX \n\n\n    Greetings,                                                                                                                                                                                                                                   \n\n     \n\n    Ocwen Loan Servicing, LLC (Ocwen) has received your email regarding your inquiry about the settlement relief.       \n\n     \n\n        You may be  potentially eligible if your home mortgage loan was foreclosed by Ocwen Loan Servicing, Litton Loan Servicing or Homeward Residential anytime between XX/XX/XXXX and XX/XX/XXXX.  If you are potentially eligible, you will receive in the mail a notice and a form that needs to be filled out and returned to the fund administrator to confirm your eligibility and payment amount.  \n\n     \n\n        Ocwen will not be administering the fund or determining the eligibility. The settling regulators will be appointing a settlement administrator to reach out to the potentially impacted borrowers to determine their eligibility in participation of funds.\n\n     \n\n        The government settlement agreement must first be approved by the federal court in XXXX DC before the consumer relief fund is established.  A fund administrator must also be selected.  All of this could take several weeks.  \n\n     \n\n        Should you have a home mortgage loan presently being serviced by Ocwen, Ocwen is more than willing to take a fresh look at your loan situation if circumstances have changed. The settlement agreement doesnt change who may or may not be eligible for a modification. Any principal forgiveness or alternate loan modification, if offered, is based on many items, including Ocwen' s servicing guidelines, the borrower's financial status and the status of the loan.  As much as Ocwen would like to assist every customer, Ocwen may not always be able to modify a loan, or offer a modification with terms requested.  Not all loans qualify for a modification. Please call Ocwen at XXXX if you are interested in looking into a modification, or a re-modification of your existing terms.\n\n     \n\n     \n\n    Thank you.\n\n    Ocwen Loan Servicing, LLC.\n\n     \n\n     \n    XXXX\n    This E-mail message and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this message to any person other than the intended recipient shall not constitute a waiver of any right, privilege or exemption.  If you are not the intended recipient, please immediately notify the sender by reply E-mail and permanently delete this message from your system without reproducing or disclosing it to any third party.  While Ocwen Financial Corporation and its subsidiaries take reasonable precautions to prevent transmission of software viruses, we cannot guarantee the same and we therefore disclaim liability for any damage sustained by you or any third party as a result thereof\n    ********************************************************************************************","date_sent_to_company":"2017-07-05T20:39:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"91911","tags":"Servicemember","has_narrative":true,"complaint_id":"2566172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-07-05T18:51:57.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX\n    This E-mail <em>message</em> and any attachments are intended solely for the use of the addressee hereof and may contain information that is confidential, privileged and/or exempt from disclosure under applicable law.  Delivery of this <em>message</em> to any person <em>other</em> than the intended recipient shall not constitute a waiver of any right, privilege or exemption."]},"sort":[11.064602,"2566172"]},{"_index":"complaint-public-v1","_id":"19046796","_score":10.830505,"_source":{"product":"Credit card","complaint_what_happened":"XXXXXXXX XXXX XXXXWells Fargo, XXXXConsumer Financial Protection Bureau XXXXHello, my name is XXXX XXXX, a Wells Fargo Active Cash credit card user for XXXX  years.XXXXXXXXOn or about XXXX XXXX XXXX I recently went on line to redeem my cash rewards as I have done since having this credit card. On line I was not able to receive a paper check as before. On XXXX XXXX XXXX I called and talked with a man named XXXX  and told him of my problem that I was not allowed to get actual cash back or a check for my redemption. XXXX  gave me two case numbers, one being XXXX, and the other XXXX.  XXXX indicated to me that things have changed and that a check was not possible any longer. He said he would send my complaint on.XXXXOn the XXXX  I received a message from XXXX  XXXX, stating it was from Wells Fargo. Not recognizing XXXX XXXX, I was unsure about a possible scam as it looked suspicious to me. XXXXOn XXXX XXXX I received an email message from Wells Fargo, very well marked. XXXXIt stated; XXXXIts been a rewarding yearlets reviewXXXX, thank you for being a Wells Fargo cardholder. See below for a snapshot of your XXXX  rewards activity. Want to see your latest rewards balance?XXXXYour XXXX  rewards activity XXXXYOUR XXXX  CASH REWARDS EARNEDXXXXYour lifetime rewards redemption value earned:XXXXThen on the XXXX  I received the following message;XXXX XXXX XXXX XXXX XXXXExpires:XXXX XXXX XXXX XXXX XXXXFrom:XXXXToXXXXSubject:Were responding to your concernsXXXXAttachments:XXXX  Rewards Program Terms and Conditions.XXXXImages in this message have been disabled.XXXXThis message was sent securely usinXXXXWells Fargo case number: XXXXRewards number ending in: XXXXXXXXDear XXXX XXXXThank you for contacting us. We completed our research and are providing details to address your concerns.XXXXWe appreciate your feedback about yourrecent experience with our process.Weforwarded your concerns for further review.Your rewards account balance shows XXXX, as of the date of this email. You will receive and can view Your Rewards balance at Wells Fargo Online and in Your Credit Card monthly billing statement. You also may receive it through a monthly Program email update if we have your email address.We have attached the Rewards Terms and Conditions for your review. We apologize for any inconvenience this may have caused. If you have any additional questions regarding your rewards or cash redemptions, we recommend you contact our Wells Fargo Rewards Customer Service Center at 1-877-517-1358, available daily from 7:00 a.m. to 11:00 p.m. Central Time.XXXXCase statusXXXXWe have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns.\\nHow to contact usXXXXWe appreciate the time and effort you took to contact us. If you have questions, you may reachmeat1-855-860-XXXX, ext. XXXX, Monday through Friday from 8:00 a.m. to 4:30 p.m. Central Time.We accept telecommunications relay service callsfrom individuals with hearing or speech disabilities. This includes calls facilitated by a trusted third party, such as a family member, so long as the customer is present and actively participating in the entire communicationXXXXIf there is an attachment to this email and you cannot read it, please contact us.XXXXSincerely,XXXX XXXXEscalations RepresentativeXXXXEnterprise Complaints Management OfficeXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXFax: XXXXXXXXIf you note this message did not have any explanation to me my concerns as to why I could not get a paper check for my rewards. On XXXX XXXX. I called the number provided by the letter above. I was not able to speak to XXXX XXXX., only to a lady named XXXX  who stated she would have XXXX  call back. After 6 hours and not receiving a call, I called again and talked with a man named XXXX, who I again had to tell of my problem. He then transferred me to a lady named XXXX, who seemed very helpful and said that I had a valid point. XXXXI was on the phone with XXXX  for over a half an hour as she kept putting me on hold and stated she was working to forward my case, even giving me another case # being XXXX. I was cut off and asked to give my opinion as to the service that I had just received, which I rated #1, the poorest I could get. Could not XXXX  have called me back, as she obviously new we were cut off, as I know she have my phone number.XXXXI again called back the same number giving above XXXX XXXX XXXX  ext XXXX. The called was answered by XXXX. I told him that I was just cut off from talking to XXXX  and could I speak with her again. He was not able to do so, and I had to start all over again with XXXX. He was able to look up the closed out case from above but said he would have to start a new case being XXXX. He said it would be another week to 10 days before I would hear back. XXXX  did tell me that notification was sent to customers, stating that XXXX XXXX XXXX XXXX, that paper checks were no longer sent out. XXXXThis was the first I had heard of this change, as I must have missed the message or letter, however it was sent. I wonder if it could be proven that I was notified as so much advertising is mailed and possibly that is what it appeared to be, just advertising. I know I did not see it on my monthly bill, or when told of my redemption notification. XXXX XXXXIf you notice on the letter above from XXXX XXXX., attached Terms and Conditions. Upon reading page 9, it states a paper check is available. Now if the rule was changed and I did not know of it, should not the Terms and Conditions have the change. And should not Wells Fargo have sent me an email message about CASH BACK? The options given are not cash back, but only other ways of redeeming.XXXXSince having this credit card and receiving cash back in the past, I would tell all my friends and relatives what a great deal you have provided. Now you have made a liar out of me, and I must tell all that you no longer do what you have promised and what you have done to me makes me out to be a fool.XXXXWells Fargo should honor my request as they have in the past as it says in the above email message dated XXXX XXXX XXXX, which is Cash Rewards Earned. XXXXXXXXI intend to send this message on to the Consumer Financial Protection Bureau of how Wells Fargo has treated me and I will no longer recommend Wells Fargo any longer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWells Fargo, XXXXConsumer Financial Protection Bureau XXXX XXXX XXXXAfter talking to several Wells Fargo employees concerning this complaint, I am given the excuse that Wells Fargo has the right to change its policies. Yes, that is true and I have no problem with that. But it seems to me that if that change is made and if Wells Fargo somehow notified me, I was unaware. Wells Fargo sends out many advertisements and as a costumer, I do not read every bit of information sent. However, I do read my bill, and I see nowhere in my bill this change of policy.XXXXI feel it is upon Wells Fargo that if such a large change has occurred, they should not advertise as a Cash Back card, as stated on my card and many pieces of advertising. Cash is cash and not anything else.XXXXWhen such a change has occurred Wells Fargo should send its customers and new Credit Card that does not specifically state on the card, Active Cash. Then just say something like Rewards.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWells Fargo case number: XXXXRewards number ending in: XXXX","date_sent_to_company":"2026-01-27T19:47:28.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"89048","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19046796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-27T19:38:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["And should not Wells Fargo have sent me an email <em>message</em> about CASH BACK? The options given are not cash back, but only <em>other</em> ways of redeeming.XXXXSince having this credit card and receiving cash back in the past, I would tell all my friends and relatives what a great deal you have provided."]},"sort":[10.830505,"19046796"]},{"_index":"complaint-public-v1","_id":"11347465","_score":10.561747,"_source":{"product":"Student loan","complaint_what_happened":"Mohela Issues and Correspondence Notes \nNotes Recorded by Borrower\nTimeframe of issues recorded: XXXX XXXX XXXX  XXXX XXXX\n\nCall automation states: XXXX XXXX XXXX XXXX is best time to call, XXXX\nIve tried calling on those days/times. It doesnt help.\n\nXXXX XXXXXXXX is my current payment. Calling to make sure I am good to go once XXXX nationwide XXXX payments are over\nXXXX  helped me today - XXXX. Is what she submitted for approval. She said with this new SAVE plan, I can pay less. She said if XXXX is not approved Ill pay XXXX until XXXX resubmission is needed XXXX \nLetter approval of SAVE plan, payment amount XXXX. WHAT!\n\nXXXX\nCalled and spoke with agent XXXX \nShe said she requested with processing department to put me back on Pay as you Earn plan with XXXX payment. Will take XXXX XXXX XXXX to process. I should know by XXXX XXXX XXXX. Check online or call. \n\nIf that doesnt go through, I can amend XXXX taxes to married separately status for lower payment oXXXX XXXX OR go onto general forbearance until we do XXXX taxes as separate. Payments will not be made towards PSLF if on forbearance. I have XXXX XXXX of forbearance. Ugh. This is so frustrating. If I didnt call to make sure everything was okay on XXXX then I wouldnt have this issue. XXXX XXXX  said it will be processed by end of week XXXXXXXX \nForebearance letter in mail\n\nXXXX\n2 emails about correspondence delay and to check inbox - nothing is there. I have to call again. This is nuts. XXXX and XXXX XXXXo request Im put back on PAYE because save plan is a no \n\nBoth representatives said they would process in XXXX XXXX XXXX \nITS ALMOST XXXX XXXX\nCalled to ask about processing of IDR\nshe said her supervisor said it would be processed before my first payment date XXXX XXXX  will be first payment due \n\nCalled Again - she said it wont be processed in time so I need to stay on forrbeaanxe \n\nCalled again on XXXX \nSHE SAID MY PENDING IDR PLAN WILL NEVER BE PROCESSED OR WORKED ON EVEN THOUGH ITS BEEN PROCESSING ON MY ACCOUNT SINCE XXXX AND EVERY PERSON I TALK TO SAYS JUST WAIT THERES AN INCREASE IN CALLS AND APPLICTONS SO EVERTBING IS TAKING LONGER \n*child screaming in background throughout this XXXX XXXX XXXX XXXX min call \nWhat I qualify for today- Save plan XXXX dollars \nWhat I would qualify for if I filed taxes separately Pay as you earn plan XXXX\nSent me to supervisor to see if they can get me Changed back to the pay as you earn plan I was on XXXX \nAnother call -XXXX XXXX  do I have free access to that I income,  \nDo we share or keep it separate)\nSAY NO about spouses income question XXXX\nSent by message system on mohela while waiting for help on the phone for XXXX XXXX: XXXX  \n*also submitted with federal student aid gov website complaint form \nI have a confirmation number of my payment on XXXX, yet when I call it says my account is XXXX XXXX in delinquency. \nWhat is going on? \nI messaged a XXXX XXXX ago and have not received any correspondence. \nI am on the phone now, Ive been on for XXXX XXXX waiting for someone to pick up the phone \nIs there a direct line I can call so that I dont have to sit through XXXX XXXX of automated messages each time. \nI am a teacher and Im now to the point where I will need to put in for a substitute to get help (yet again) for mistakes with Mohelas system or whatever may be going on. \nPlease help. \nI do not want my credit to be penalized because something is wrong with Mohelas system and also there is not enough people working at Mohela to support. \n\nThe lack of support from Mohela makes me extremely frustrated, depressed and have anxiety. \nPLEASE get back to me. This is RIDICULOUS. \n\nMy payment was set in XXXX XXXX XXXXXXXX  by the way, and because someones error on your part, my payment was increased by XXXX  Then in order to fix it, I had to put my account in forbearance and lose out on a qualifying payment for PSLF. There is no other word to describe all of this other than INSANITY. Now things are set back to normal and my payments arent even going though and Im XXXX XXXX in delinquency. This is a joke right? XXXX  - called again. Waiting for someone the entire commute to work again. Sitting in parking lot and someone finally answered\nXXXX (said hes in training) \nPicked up after XXXX XXXX \nRegarding my question on why my payment didnt go through and why Im in delinquency when I have a confirmation number, he said theres no confirmation number that he has but he did say the following:\nHe said: There are issues with Mohelas system and isnt unable to processed the payment. In order for it to be processed or resolved it needs to be looked at by an advanced worker. \nXXXX XXXX XXXX  was refunded? Why? He says payment was returned \nUnfortunately I cannot call later to an advanced worker \n\nXXXX  XXXX XXXX XXXX  \nAfter XXXX XXXX and XXXX XXXX I was finally done with automated messages and transferred to a customer service rep \nSystem said my wait time was now XXXX XXXX Wth.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when XXXX  was hired\nTried to post payment, XXXX  the payment didnt go through\nXXXX sent mailed letter to tell me\nXXXX XXXX - no negative credit reporting happening\nSaid to make sure I input bank acct numbers correctly (although letter says bank returned payment?) what,\nPay before XXXX or payment doesnt count \nSaid she cant send ne a letter electronically\nPut me on hold and said she could\nWaiting for supervisor \nSupervisor working with XXXX XXXX XXXX XXXX XXXX  She said she cannot send me to a supervisor, they will call me back by end of business day or next business day\nI said Ill wait until someone is available sent me to call back because I said I want to wait for a supervisor to call me back so she didnt send me to someone who can help me XXXX XXXX wasted\nNo supervisor called me back XXXX XXXXXXXX - Today I received the same letter in my Mohela Message Inbox from XXXXXXXX \n..Payment Has Been Reversed From Account: Please be advised your financial institution returned your payment effective XXXX, in the amount of XXXX. The payment has been reversed from your account for the following reason and your account may now be delinquent:..... XXXX XXXX XXXX XXXX XXXX\nBody:MOHELA's Response:\nDear ________,\nPlease accept our sincere apologies for the long hold times. We value your feedback, as we understand how important it is to offer exceptional service. We have experienced significantly heightened demand recently, and we understand that this has made it difficult to connect with our specialists to discuss your concerns. We are working diligently to provide an improved experience for all student loan borrowers moving forward.\n\nThe most recent payment has been reversed from the account. Please be advised your financial institution returned your payment effective XXXX XXXX XXXX , in the amount of XXXX. The payment has been reversed from your account for the following reason and your account may now be delinquent: NO ACCOUNT / UNABLE TO LOCATE. We recommend reviewing the payment information that was entered. This error message is not to be confused with an insufficient funds message indicating that there is not enough funds in the account for payment. The unable to locate error means we were not able to locate your financial institution.\n\nThe last payment(s) of XXXX was received on XXXX XXXX XXXX and XXXX XXXX XXXX. Your next payment of XXXX will be due on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the U.S. Department of Education (ED) announced several changes and updates that will bring borrowers closer to forgiveness under income-driven repayment (IDR) plans. These adjustments to accounts include conducting a one-time revision of IDR payment counters to address past inaccuracies and permanently fix IDR payment counting by reforming EDs IDR tracking procedures going forward.\n \nBased on the newly eligible months from the one-time account adjustment, borrowers who have reached 240 or 300 months (as applicable) worth of payments for IDR forgiveness or 120 months of PSLF will begin to see their loans forgiven in XXXX. The Department will continue to discharge loans as borrowers reach the months needed for forgiveness. All other borrowers will see their accounts update in XXXX.\n\nMore information on these upcoming changes is available at: https://studentaid.gov/announcements-events/idr-account-adjustment.\n \nIf you have any other questions or concerns, please contact us at the number listed below.\n \nSincerely,\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    Secure Form Submission This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose.XXXX XXXX If you are struggling with your student loans, please fill out the form located at: XXXXXXXXt to get help from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m.  They may not harass you by using threats of violence or arrest or by using obscene language.  Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work.  For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt.  Collectors may contact another person to confirm your location or enforce a judgment.  For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX  or www.ftc.gov. XXXX  I received a letter from MOHELA stating:\nYour student loans are in a forbearance. On XXXX XXXX XXXX, a federal court issued a stay preventing the Department of Education (ED)from operating the Saving on a Valuable Education (SAVE) Plan. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance. You can find more information at StudentAid.gov/saveaction.\n\n\nWhat does this mean for me?\nWhile you are in this forbearance no payment is required on your account and your interest rate will be set to 0%. This means no interest will accrue while you are in the\nForbearance. You will not receive credit toward IDR forgiveness and Public Service Loan Forgiveness (PSLF) for the month(s) covered by the forbearance. If you made or make a payment for the month(s) you are in the forbearance, the amounts paid will go toward satisfying your future payment(s). We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least 21 days before your next monthly payment is due\nAt this point I was ill. After all the issues I went through to get my payments set up to now not being able to pay them.. So incredibly infuriating. They are my loans and Ive been enrolled in PSLF for years! I should be able to continue paying under the PSLF qualifying plan! \n\n\nXXXX  I contacted MOHELA again, because it had been 4 months since I was put on administrative forbearance after FINALLY getting my payment plan ready to go with the new SAVE plan:  \nFROM MOHELA:\nThank you for contacting MOHELA,\nAlthough the General Forbearance for borrowers enrolled in SAVE does not count toward PSLF, there are currently two ways borrowers may be able to receive PSLF credit. Borrowers should review these two options closely before taking any action.\n1) Buy Back Credit: Some borrowers may be eligible to buy back months of PSLF credit for time spent in forbearance as a result of the courts injunction. Borrowers with 120 months of eligible employment can buy back (make payments to cover) past months that were not counted as qualifying payments because the borrower was in an ineligible deferment or forbearance status. Borrowers must submit a buyback request and make an extra payment of at least as much as what they would have owed under an income-driven repayment (IDR) plan during the months they are trying to buy back.\nBorrowers can buy back these months only if:\n- they still have an outstanding balance on their loan(s),\n- they have approved qualifying employment for these same months, and\n- buying back these months will complete their total of 120 qualifying PSLF payments.\n\n\nThis is a new process that ED began making available XXXX XXXXXXXX Learn about eligibility and how to buy back months by visiting XXXXXXXX Note: Borrowers who have consolidation loans can buy back months only on the current consolidation loan. These borrowers cant buy back months from the loans included in the consolidation loan or for any period prior to the first disbursement date of a consolidation loan.\n\n\n2) Enroll in a different PSLF-eligible repayment plan: Borrowers can apply to enroll in a different PSLF-eligible repayment plan. We encourage borrowers to look at the specific terms of each plan to make the best choice for their individual situation. See above for more information. Different IDR plans may require higher monthly payments than the SAVE Plan does, andin the case of some IDR plansborrowers who later leave them may face interest capitalization (where unpaid interest is added to the principal balance). However, payments made under these IDR plans will count toward forgiveness under IDR and PSLF.Borrowers should expect a lengthy delay in the processing of applications. Further communication will be provided as this develops.\n\n\nAdditional details pertaining to the impacts of this stay will be provided as they become available. You may also visit XXXXXXXX and XXXXXXXX for updates.\n\n\nIf you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX.\n\n\nThank you,\nMOHELA\n\n\nOriginal message from me to MOHELA:\n\n\nGreetings, \nI would like to make qualifying payments for PSLF again. When can I do this? Its been XXXX XXXX! \nThis is crazy. Im currently on the phone, XXXX XXXX and counting on hold to speak to someone who can assist me. \nPlease get back to me soon. \n\n\nThank you, \n__________\n\n\nXXXX\nI received a letter from MOHELA stating interest would continue to accrue on my loans during the administrative forbearance period.  \nThis is what the letter states: \nBORROWER:\nLoan Update:\nIn an effort to keep you updated on your federal loan(s), we have enclosed details about your loan(s), including the accrued interest, interest rate, and total balance. The loan(s) listed in this letter are currently in forbearance. Although no payments are due at this time, interest continues to accrue on your loan(s) during the forbearance period. You have the option to pay the interest during forbearance. XXXX\nI went online to review the latest letter from MOHELA and read about my options. \nI cannot switch to a different qualifying PSLF payment plan because MOHELA and federal student aid states that switching would result in a processing forbearance - so this would put me in the same exact position I am currently in, therefore, its not an option. All information that Ive been given over the years from Mohela representatives via phone or through the website/my messaging about repaying MY OWN student loans is inaccurate or the information is only correct/valid for a few months before it changes again. The ever-changing agreements to my loans and repayment and PSLF causes me an immense amount of stress. It is impacting my mental health and the stress and confusion makes me physically ill. I have to take time off of work XXXX XXXX XXXX XXXX) to call MOHELA because the wait times are so long. \n\n\nAll the months of administrative forbearance I have been placed on while on the SAVE plan should count towards my PSLF qualifying payments, please switch them from ineligible to eligible. From XXXX XXXX XXXXXXXX, and moving forward, all months that I am still on administrative forbearance should count towards my PSLF qualifying months, too. Since there is no other plan I can apply to without being placed in another processing forbearance (for an unknown amount of time) this is the only fair resolution. Once the above resolutions are in place, I would also like to receive loan terms and PSLF terms that state how many more qualifying payments I need to make to qualify for the final PSLF forgiveness. I would also like to request a date of when my payments of XXXX  will resume.","date_sent_to_company":"2025-01-03T02:10:54.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"11347465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-03T01:15:00.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["He says payment was returned \nUnfortunately I <em>cannot</em> call later to an advanced worker \n\nXXXX  XXXX XXXX XXXX  \nAfter XXXX XXXX and XXXX XXXX I was finally done with automated <em>messages</em> and transferred to a customer service rep \nSystem said my wait time was now XXXX XXXX Wth."]},"sort":[10.561747,"11347465"]},{"_index":"complaint-public-v1","_id":"2498461","_score":9.512394,"_source":{"product":"Mortgage","complaint_what_happened":"confirmation for XXXX Ombudsman\n\nXXXX XXXX \nAttachmentsXXXX XXXX (6 days ago)\n\nto Ombudsman \nHi XXXX,\n\nI am in receipt of the letter from SPS of notice of default.  I was waiting for the email you were going to send regarding our recorded conversation on XXXX XXXX XXXX at XXXX  MST.  I also am waiting for you to call me back after you sent your manager notice regarding my rights to request a forbearance for six months for the amount owed of $XXXX, as we discussed in our conversation.\n\nPerhaps SPS should have instructed me to fill out forbearance forms instead of re-modification forms since I already have a remodification with HAMP, when I told SPS back in XXXX XXXX, and every month since about my financial hardship that was impending. To that statement, there are no specific forbearance forms or payment plan forms on the SPS website to fill out.\n\nAs I'm sure you recall since the call was recorded, I told you that I would like to speak with the owner of the note and you told me that the owner was XXXX.  You didn't mention XXXX XXXX. Now, are there different loan numbers for XXXX and XXXX  XXXX as I do not see those numbers in the letter from SPS that I received today.  HUD, the Colorado AG, and OIG want these numbers for verification of the loan.\n\nOf note, the only dispute I have with SPS is the fact that they had me fill out the wrong forms (RMA) and there appears not to be any forbearance forms or repayment of a late payment form/agreement on the SPS website or in any SPS communications but they do state that these are options for consumers. \n\nThank you for the help.  I look forward to speaking with you regarding the request for forbearance/repayment plan that we discussed.  And could you please make sure that you send me the bank loan numbers for each bank and the correct forms that I should fill out for SPS non-banking facility.  Again, thank you so much for the assistance in this matter, I look forward to your call.\n\nCordially, XXXX XXXX XXXX XXXX XXXX, XXXX., XXXX., XXXX XXXX XXXX XXXX XXXX, CO XXXX\nemail: XXXX phone: XXXX XXXX XXXX Attachments area\n\nXXXX XXXX \nAttachmentsXXXX XXXX (6 days ago)\n\nto relationship.m. \nHi XXXX XXXX,\n\nI am forwarding this email I sent to the Ombudsman XXXX XXXX.  It seems to me I should have filled out a forbearance or repayment form for the $XXXX rather than the RMA forms.  I brought my financial hardship to SPS attention in XXXX XXXX XXXX.  No one sent me  a letter that the RMA forms were denied.  This is extremely frustrating as it make it appear that I have not been communicating on this matter which is not true.  I have spoken every month with someone except after XXXX XXXX XXXX when SPS stopped communicating with me.  No messages, status updates, emails, or phone calls except for XXXX who called to set up three ACH payments. The third is due Saturday, XXXX XXXX XXXX.  \n\nThe LOD is for XXXX XXXX XXXX per XXXX XXXX, yet the letter states XXXX XXXX XXXX, and I requested a chance to make payment of $XXXX in full within six months.  XXXX stated that she would send this to a manager.  My thing is that I was not told of this \"denial\" in XXXX or any other time via SPS website that I have been monitoring.  Of course, I would not qualify for a RMA, I have one already so I should have been informed and given the forbearance and repayment paperwork to fill out which is not on the website and was never sent to me just the RMA forms, which you all received as I was denied a RMA.  I did notice after the phone call between XXXX and myself, I received an email at my personal address and on the website regarding the XXXX XXXX XXXX Event in XXXX, CO between XXXX-XXXX MST.  As XXXX and I spoke, I wondered why I would go to this if the only people that are going to be present are people that only fill out forms and have no earthly idea of what the loans and settlements state?  That is what I got from XXXX when she told me she did not know of XXXX XXXX $XXXX XXXX dollar settlement for subprime loans, the loans she is working with.  I'm getting confused as to SPS role. I understand SPS to be a debt collector only. They do not have rights to loan as they do not have a brokerage license in Utah, they cannot rewrite loans, they can only collect a check and threaten people with foreclosure. There is much double speak from XXXX, and it's not her fault, she is after all just reading off a computer screen and I doubt she or any of the ombudsman have a degree in finance.\n\nI just think that if someone who initiated contact in XXXX XXXX, and is dealing in good faith with SPS, SPS, XXXX, and XXXX XXXX, should follow the laws set forth in the criminal settlement agreements and afford the borrower/consumer who is dealing in good faith time to cure.  \n\nI have notified the Colorado AG, HUD, and OIG per some guidance through SPS letters.  I want this situation corrected.  I have stated that through all of my communications yet, I get strung along in an attempt for XXXX to grab my home.  It will not happen.  I have been up front and fair.  XXXX, SPS and XXXX are the one's still attempting to scam the borrower.  According to HAMP and the settlements, I the borrower have a right to cure.  I need the appropriate paperwork given to me by SPS to fill out so I may exert that right.\n\n\n\n\n \n\n\nHotline to HUD.gov 8 of 606  \n \nPrint all In new window\nSelect Portfolio Services/XXXX Fraud\n\n\nAttachmentsXXXX XXXX (8 days ago)\n\nto hotline \nHi,\n\nI sent the attached on the website yesterday.  I sent an email to SPS that I notified the OIG and today I received a call from SPS that they denied my request from XXXX XXXX XXXX for a hardship assistance.  If I could speak to someone that knows about the XXXX XXXX settlement and how the HAMP program works (which is online and very understandable in english and XXXX, however XXXX at SPS doesn't seem to understand how any of this works.) it would be greatly appreciated. XXXX told me that she didn't know anything about any of the banks and subprime fines and settlements that sent the U.S. crashing in XXXX. If she doesn't know anything about this why is she working at SPS?  Why is she coming to XXXX, CO., XXXX XXXX XXXX between the hours of XXXX-XXXX WITHOUT attorneys to explain the XXXX XXXX settlement to the people of Colorado? How can she help the people of Colorado or any other state with the XXXX XXXX settlement if she does not know the laws and speak on the laws of the HAMP/HARP modification program? This is deceitful business practice on the part of XXXX and SPS.  It's a money grab and another way for them to steal more homes from people in order to make up their XXXX in fines.  \n\nThe second attachment is what I got today when I logged on to SPS.  Still no messages, no status, no record initially for me to look at but I did capture a ghost page that I did file electronically in XXXX XXXX  and then per email XXXX XXXX XXXX by SPS deadline. XXXX told me that SPS sent me a decline letter. I told her I had not received any denial from SPS.  I owe 2 months payment $XXXX.  I told SPS that this was going to occur back in XXXX XXXX through email and phone and asked them if I could put it on the back of the loan or get a forbearance and that is when they had me fill out modification paperwork.  I didn't want a modification, I already had it, I just needed more time to catch up the 2 months because my disability payments weren't enough for all of my bills between XXXX XXXX and now.  I could not record today's call with XXXX so I asked her to send me a copy of the recorded call.  She said I could subpoena it.  I gave permission to record the call, I should be sent a copy of it.\n\nI initiated the contact with SPS.  I knew that I was going to have issue's because I had to pay $XXXX for my XXXX degree so I could get an easier XXXX job so I don't have to live off XXXX.  All I was asking for was time for 2 months worth of payments and now SPS/XXXX says I'm in default (which technically I am, I know) but I thought these programs and settlements were set up to help people instead of harming them more.  I didn't ask for a subprime loan. I didn't ask to have XXXX XXXX and other major XXXX.  I've paid on this house since XXXX and have only had issues when XXXX bought out XXXX XXXX.  I've paid over $200,000 for a $XXXX loan since XXXX. I trusted XXXX.  I asked XXXX to put me in contact with XXXX because when I call they say they don't have me as a customer, yet SPS has no rights to change the loan they are just a servicer, debt collector.  XXXX stated that XXXX  denied the modification for me that they did in XXXX.  SPS has been taking my payments since then.  XXXX sold the servicing rights to SPS in the middle of my modification.  XXXX/SPS never filed with the county the modification papers but they accept my payments.  So the question becomes is the modification real/valid?  Is XXXX and SPS stealing money from me and thousands of others? XXXX doesn't have the original paper work or the original deed that is why they cannot file with the county.\n\nI'm so over this. I'm sure you are as well.  I worked with Colorado Housing Authority for my modification.  SPS is doing the same business practices as they did when they were called XXXX XXXX XXXX.  The government shut them down and banned the owner from participating in any debt collecting or banking services.  Guess what...when the government shut down XXXX XXXX they allowed the employee's to change the name, open up SPS and they kept the same business practices.  You know, the practices that put us in the Great Depression in XXXX.\n\nSPS and XXXX string people along until there is no return.  They do not follow the laws or settlement agreements.  This needs to be investigated.  Just type in SPS reviews and you get the same story over and over.  Thousands of people across the country cannot be colluding against the banking industry.\n\n\nOIG Letter re: SPS/XXXX\nHi,\n\nI have/had a mortgage with XXXX.  In XXXX, with the assistance of Colorado Housing, I applied and obtained a modification.  This is all in question now as the original modification with XXXX was transferred in the middle of the process to Select Portfolio Services formerly XXXX XXXX XXXX., shut down by \"you the government\" for engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans. XXXX was allowed to reopen as Select Portfolio Services and oversee HARP/HAMP modifications. The actual owner was not allowed to do business as SPS but his executive cronies were/are. \n\nThe issue now is I am XXXX and I came upon a financial hardship recently and wrote/spoke with SPS.  They had me fill out RMA documents and offered \"modification/forbearance\" for the two payments that I have been behind on.  I have filled out the paperwork twice, once on their website and then I filled it out by hand and emailed everything to them on their timeline.  SPS has stopped communications with me.  I have NOT stopped communicating with them.  SPS sent me a  letter last week telling me to fill out \"modification forms\", yes the same modification forms that I already sent in.  Today, XXXX XXXX XXXX, I received a letter from SPS stating that on XXXX XXXX XXXX between XXXX-XXXX  they are holding an event in XXXX at the XXXX to address the XXXX XXXX bulk settlement agreement.  SPS is doing the same thing they did as XXXX XXXX XXXX.  I will go into this meeting and come out of it with yet another modification that will not be filed appropriately with XXXX county as SPS/XXXX/whoever does not have original loan documents or my ORIGINAL DEED to the property.  I have requested on several occasions for SPS/XXXX  to produce the original Deed and they have refused.  So I would like you as the OIG office for housing to tell me how much longer to I get to be XXXX XXXX by these people?  I have made over $200,000 on this property since XXXX on a $XXXX loan with my mother. When she died, I received the DEED to the property due to insurance.  This would be why SPS/XXXX does not have the original DEED and why they have NOT filed the modification paperwork from XXXX, XXXX, or now.  Yes, I went to XXXX XXXX XXXX XXXX and dealt with XXXX XXXX.  SPS has accepted my payments without filing with XXXX county.  Thus, they are still keeping the reputation of, \"engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans.\" Which unfair practice, subprime loans, a made up interest rate, pick any that are in the SEC claims. \n\nNobody deserved what these people did to them.  I'm much better off as I at least now know that I've been XXXX by SPS/XXXX and the government because everybody that works for these people lied and cheated not only me but thousands of people.  Yet, we continue to get XXXX and lied to and we have no recourse nor do we have the ability to hire attorneys that know what the hell is going on.  I can't afford an attorney.  I get $XXXX dollars per month.  I pay all of my XXXX medications as XXXX doesn't kick in until my $XXXX deductible. Yes I pay $XXXX bucks a month to XXXX for NO insurance coverage. I do however get discounts on my XXXX XXXX medications by XXXX XXXX in my community.  I'm suppose to be paying for my XXXX and XXXX from my XXXX XXXX, but I need to have gas, electric, and water in order to keep the XXXX XXXX running.  I can't afford to pay my utilities, medications, so I cut, I don't go to the doctor anymore because I cannot afford the co-pays.  I'm stuck right now through no fault of my own. XXXX just happens. I have tried and tried to correct the mess that I have found myself in by myself and with the help of Colorado Housing and XXXX XXXX.  But apparently NOTHING is enough.\n\nThe housing bubble that occurred in XXXX, is happening again because it is allowed by our government regardless of settlements.  Please stop this.  Please help me stop SPS/XXXX from taking my home that I have paid $XXXX for on a $XXXX loan.  I am a good citizen and I didn't deserve this nor did others deserve this.  I don't deserve it happening to me again.  How do I stop them?  They don't seem to have to follow the laws, regulations, or settlement agreements that have been set.\n\n\nOffice of Inspector General\nU.S. Department of Housing and Urban Development\n\tCONTACT XXXX","date_sent_to_company":"2017-05-31T20:49:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"801XX","tags":null,"has_narrative":true,"complaint_id":"2498461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-05-31T20:21:11.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I look <em>forward</em> to speaking with you regarding the request for forbearance/repayment plan that we discussed.  And could you please make sure that you send me the bank loan numbers for each bank and the correct forms that I should fill out for SPS non-banking facility.  Again, thank you so much for the assistance in this matter, I look <em>forward</em> to your call."],"sub_product":["<em>Other</em> type of mortgage"]},"sort":[9.512394,"2498461"]},{"_index":"complaint-public-v1","_id":"22535001","_score":9.403249,"_source":{"product":"Checking or savings account","complaint_what_happened":"b'URGENT: Formal Response and Escalation - Wells Fargo Regulation E Violations & Missing Funds ($XXXX)\\n\\XXXX\\n\\nDear Consumer Financial Protection Bureau, Securities and Exchange Commission, Federal Trade Commission, and Oversight Authorities,\\n\\nWe are writing to provide an urgent, formal response regarding the ongoing theft and mishandling of $XXXX  by Wells Fargo Bank, N.A., and to document the bad-faith tactics their corporate office is using to evade federal regulations. \\n\\XXXX XXXX XXXX has made an exceptional, good-faith effort to trace these funds. They have repeatedly checked their incoming transfers and have provided us with definitive documentary proof multiple times confirming that Wells Fargo never attempted, initiated, or completed any ACH or electronic transfer of $XXXX to XXXX XXXXXXXX XXXX account (Account #XXXX). We have already forwarded this proof from XXXX  to all concerned regulatory parties, showing beyond a shadow of a doubt that the money never reached its destination. XXXX  searched their AHC and all other forms of transfers by the amount ($XXXX), both names (XXXX XXXX and XXXX XXXX), and by all account numbers involved several times. XXXX  is still refusing to provide either XXXX XXXX, or XXXX XXXX with any useful tracing or tracking numbers, any of their agents full names, or agent IDs, or anything normally usefull in tracking the funds that they lost..\\n\\nDespite this absolute proof that the funds never left Wells Fargo\\'s ecosystem, regional manager XXXX  and all other Wells Fargo agents are deliberately stonewalling our investigation and utilizing predatory internal practices to cover up the missing funds:\\n\\n1. Disappearing Internal Email System (XXXX XXXX XXXX XXXX Dissappearing Secure Messaging System): Wells Fargo is forcing communications through an internal secure messaging center that automatically deletes emails after 30 days. They are actively using this expiring system to erase the digital paper trail, destroy evidence, and hide their arbitrary denials from oversight authorities. \\n2. Concealment of Identity: Every single Wells Fargo corporate agent we have dealt with, including XXXX, XXXX, Supervisor XXXX, and others, absolutely refuses to provide their full names, direct contact information, or accountable employee IDs. They are operating like an anonymous scam center rather than a licensed national banking institution.\\n3. Exploitation of Privacy and Authorization Technicalities: Wells Fargo is weaponizing privacy laws to avoid addressing the error. Even though we have submitted joint complaints and explicit declarations of mutual consent, they are using technicalities to refuse to speak with XXXX XXXX while simultaneously summary-denying XXXX  XXXX  claims without performing a verified internal audit.\\n4. Refusal to Provide Regulatory Tracking Data: Wells Fargo completely refuses to provide the standard 15-digit Federal ACH Trace Number, confirmation inputs, or any necessary evidence that would allow us or XXXX  to locate where they routed our money. \\n\\nWells Fargo has now held our $XXXX  for a month and a half. They have violated the Electronic Fund Transfer Act (EFTA), Regulation E (12 CFR  1005.11), and basic consumer protection mandates by refusing to conduct a transparent investigation or issue provisional credit for one and a half months now. \\n\\nWe are demanding immediate intervention from all assigned regulatory bodies. Wells Fargo must be forced to return the $XXXX  to XXXX XXXX originating account immediately, provide full financial compensation and interest for withholding our funds for 45+ days, and face severe administrative penalties for breaking federal regulations designed to prevent banks from allowing consumer money to disappear.\\n\\nSincerely,\\n\\XXXX XXXX (Account Holder, XXXX  ACCT #XXXX)\\XXXX XXXX (Intended Recipient, XXXX ACCT #XXXX)\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Escalation Case Reference: #XXXX  / #XXXX\\nCFPB Complaint ID: XXXX\\n\\nRE: XXXX  Missing Bill Pay Funds XXXX Lost ($XXXX)\\n29APR26 OCC Case #XXXX (Pending)\\XXXX  FDIC Case #XXXX  (Pending)\\XXXX  CFPB Case #XXXX (Pending)\\XXXX XXXX Case #XXXX  (Denied)\\XXXX XXXX  Case #XXXX  (Denied)\\XXXX XXXX Transaction (Bill Pay) $XXXX  Ref #XXXX  | Claim #XXXX  (Lost by XXXX)\\n\\nCONTACT INFORMATION\\XXXX  Executive Response: XXXX XXXX XXXX\\nComplaintants: XXXX  or XXXX  at any time, by any means\\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nPhone: XXXX\\nEmail: XXXX\\n\\n\\nFORMAL COMPLAINT AND DEMAND FOR INVESTIGATION AND RECOVERY\\n\\nDATE: XXXX\\n\\nSENDER: XXXX XXXX and XXXX XXXX (wife and husband)\\n\\nRE: XXXX  Missing Bill Pay Funds XXXX  Lost ($XXXX)\\XXXX  OCC Case #XXXX (Pending)\\XXXX  FDIC Case #XXXX  (Pending)\\XXXX  CFPB Case #XXXX (Pending)\\XXXX XXXX Case #XXXX  (Denied)\\XXXX XXXX Case #XXXX  (Denied)\\XXXX  XXXX  Transaction (Bill Pay) $XXXX  Ref #XXXX  | Claim #XXXX  (Lost by XXXX)\\n\\nTO: ALL FEDERAL, STATE, AND LOCAL REGULATORY AUTHORITIES\\nConsumer Financial Protection Bureau (CFPB)\\nFederal Deposit Insurance Corporation (FDIC)\\nOffice of the Comptroller of the Currency (OCC)\\nFederal Reserve Board (FRB)\\nSecurities and Exchange Commission (SEC)\\nFederal Trade Commission (FTC)\\nElected Florida Senators\\nElected Florida Representatives\\nElected Federal Senators\\nElected Federal Representatives\\n\\nEXECUTIVE SUMMARY of ALLEGATIONS\\nThis complaint serves as a formal notification of gross negligence, systemic incompetence, and potentially fraudulent activity by Wells Fargo Bank, N.A. On XXXX, a digital transaction (Bill Pay) for $XXXX  was initiated from XXXX XXXX XXXX Checking ACCT #XXXX, to XXXX XXXX XXXX Checking ACCT #XXXX, resulting in the total loss of these funds by Wells Fargo. Despite the provision of absolute documentary proof, the bank has failed to locate the funds or provide an ACH trace number, instead repeatedly denying claims with no investigation. XXXX  and XXXX  are husband and wife. We both hereby grant all concerned parties, financial institutions and regulators explicit permission to access and discuss any and all relevant financial records to resolve this theft.\\n\\nFACTUAL CHRONOLOGY AND EVIDENCE\\n1.The Transaction: On XXXX, XXXX XXXX initiated a Bill Pay of $XXXX  from her Wells Fargo account XXXX  to husband XXXX XXXX XXXX account XXXX.\\n2.Evidence of Withdrawal: Wells Fargo statements confirm the funds were debited on XXXX.\\n3.Evidence of Non-Receipt: XXXX  and XXXX have provided both of their account statements, proving beyond a shadow of doubt that XXXX  took the money from XXXX  XXXX  account, but never got it to XXXX XXXX account. XXXX XXXX XXXX has provided documentation and verbal confirmation (Representative \"XXXX\") that no such ACH transfer was ever received, seen, or attempted by Wells Fargo. Again, XXXX  has provided XXXX  with his XXXX  account statements showing that no $XXXX  was ever received.\\n4.Failure of Traceability: Wells Fargo has admitted they cannot find the money and have refused to provide the standard industry trace numbers required to track electronic transfers.\\n5.Pattern of Denial: Wells Fargo has issued several claim denials (including Case #XXXX  and #XXXX) without performing a verified investigation of any of XXXX  records, or the XXXX  records provided to them.\\n\\nDECLARATION OF CONSENT\\XXXX XXXX (65) and XXXX XXXX (60) hereby grant and reiterate explicit permission for the CFPB, FDIC, Wells Fargo, XXXX, OCC, FL Senate, FL House, SEC, FTC, US Senate, US House, Federal Reserve, All Elected State and Federal Officials and any, and all government regulatory agencies to access all relevant financial records to resolve this theft.\\n\\nDEMAND FOR ACTION\\nWe demand that the overseeing authorities hold Wells Fargo accountable for:\\nImmediate Restitution: Returning the $XXXX  to the originating Wells Fargo account, with interest and penalties for their incompetence.\\nAudit of Incompetence: Investigating why a major financial institution cannot track a digital transaction in XXXX.\\nRegulatory Sanctions: Assessing fines for the blatant violation of consumer protection laws and the repeated summary denial of legitimate claims.\\n\\nCONTACT INFORMATION\\nContact: XXXX  or XXXX  at any time, by any means\\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nPhone: XXXX\\nEmail: XXXX\\n\\nSincerely,\\XXXX XXXX and XXXX XXXXn\\nCC: Wells Fargo Executive Office, XXXX  XXXX XXXX'","date_sent_to_company":"2026-05-25T15:16:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32246","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"22535001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-25T15:01:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["We have already <em>forwarded</em> this proof from XXXX  to all concerned regulatory parties, showing beyond a shadow of a doubt that the money never reached its destination. XXXX  searched their AHC and all <em>other</em> forms of transfers by the amount ($XXXX), both names (XXXX XXXX and XXXX XXXX), and by all account numbers involved several times."]},"sort":[9.403249,"22535001"]},{"_index":"complaint-public-v1","_id":"13310729","_score":9.132396,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX  received a message on his desktop XXXX XXXX computer -to call XXXX  technical support. The reason: he was denied access to our accountXXXXThe phone number was provided XXXXNot certain what to do, he called me for help.  I never thought twice about the authenticity of the message & told papa that Ill take care of itXXXXHe did not think about turning off the computer, neither did IXXXXI called the number.\\XXXX XXXX  answered the call. He represented himself as XXXXXXXX XXXX  Support employee.  His code was XXXX.  When I told him about the problem, his response was: dont worryXXXX XXXX Support will solve the problem.XXXXHe told me that our computer had been hacked.  He also told me that I have to report this info to FTC & provided the link-website of FTC.  I did just that, without thinking twice.  XXXXI also went to a website (I dont remember the domain name and the computer has since been wiped) to install some software so they could fix the computer.XXXXOnce on the FTC website, I was prompt to provide personal info, mine & papa, such as: SS numbers, the name of the bank, 401-K info, address, telephone numbers, etc. \\nIve never done anything like that in the past. Always knew that I should not share personal info with no one.  My reasoning was that I was reporting to the Government Agency. As soon as I finished that task, the phone rang.\\n\\nThe person on the other end presented himself, as XXXX XXXX XXXX from FTC. He said that our Network has been compromised & he has been assigned to our case.  XXXXAlso, since our telephones are compromised, XXXX  will provide a secure line every time hell call us & that everything should be kept secret. He wanted our computer run 24 hrs for as long as necessary.XXXXHe had said that there are 9 hackers-XXXX XXXX XXXX  Then, there was info on the screen-9 lines, a few column each, which said: XXXX XXXX.  I was outraged & in disbelief. This is the worst crime imaginable.  I remember asking him: when they are caught, will they be put behind bars?XXXXTo make a long story short, I trusted him & did my best to complyXXXXHe told me that we have to do a duplicate transaction, such as wire transfer, so the hackers wont get their hands on the fundsXXXXAttempted Money Movements Stopped by Chase Fraud TeamXXXXWith screen mirroring software now installed on XXXX  / XXXX XXXX First they initiated a wire transfer on their own in the amount of $XXXXThe receiving partyXXXX XXXX XXXX XXXXIt was stopped by Chase the same day-XXXX XXXXXXXX XXXXChase did not notify us. If they did, it may have had changed our minds about following XXXX XXXX  instructions.XXXXAt this time if they had been active in warning the XXXX  about the fact this is usually fraud and they should talk to someone they trust, not just someone on a phone who says trust us, that would be better than what happened.XXXX XXXX XXXXWith the online approach stopped the fraudsters now trained the XXXX  to go to the branch to do this in person. Now the fraudsters knew the balance in the account was greater than $XXXX  they increased the amount of the wire.XXXXThis time it was in the amount of XXXX  The recipient XXXX XXXX XXXXThis wire transfer was stopped by a Chase employee from the fraud Dept. They called, went through security protocols, asked XXXX  to think about it and call back.  She called back and Chase had stopped the wire already. XXXXChase spoke to the XXXX, they did not challenge why yesterday they urgently needed to send XXXX to . -XXXX XXXX XXXX XXXX, and today need to send $XXXX  to XXXX XXXX XXXX  Combined that is more than their assets at Chase.  Why was yesterdays urgent wire forgotten about not so urgent today and this wire that would mean they could no longer fund the yesterdays wire now urgent today?XXXX XXXX XXXXOn the Third day we went back to our branch and initiated the same XXXXThe third one, on XXXX XXXX, for the same amount, went through.XXXXWhen we came home XXXX XXXX (FTC) kept calling, as usual.  He wanted me to scan the last page of the wire transfer & forward it to him.  I have never used the scanner before & did not do it right.  So, he did not get it & seemed desperate, to me.XXXX XXXX kept calling every 10 min & tried to convince me to do it again, but I refused.  I told him that papa is not feeling well & that I have to attend to him. It was, actually, the truthXXXXHe kept begging me to scan it again & forward it to him, I guess- it was important to him to have the proof that we initiated wire transferXXXXIt was the last straw that broke the camels back. I, finally, woke up from being hypnotized by this scammer & stopped answering his callsXXXXChase fraud department called again and the man on the call was less diligent than the prior day and approved the wire.  He never mentioned or noticed the cancelled wires from the prior two daysXXXXWhile Chase spoke to the XXXX, they did not challenge why yesterday Chase stopped this urgently needed XXXX to XXXX XXXX XXXX  and why the documents showing why it was urgent could not be provided.  This wire was 90% of an XXXX  couples combined assets at Chase.  Why was due diligence yesterday strong and due diligence today cursory?XXXXPost Wire being sent XXXX XXXX XXXX XXXXOn the evening of XXXX XXXX XXXX the wire was shown as Pending in the Chase systems.XXXXAs soon as papa felt better, I started calling XXXX XXXX XXXX  -different departments. This time, I got the telephone numbers off the Net.XXXXWhat I should have done is- to call Chase, but I was ashamed for misleading them, to put it mildly.\\n\\nThe first call was to Wire Transfers dept at XXXX. The number- XXXX The employee name-XXXX. I told him about wire transfer & that there is a problem & I have to investigate, so, please freeze the funds for the time being, dont release themXXXXHe was not interested in any information about the transfer & I was told that because I am not XXXX  customer, they are not able to helpXXXXThe next call was to Suspicious Activities dept.  I am not sure, if it was XXXX, or some government agency at XXXX  The name of the rep.XXXXThe last person at XXXX- XXXX  at XXXX. The same response- not their customer.\\n\\nI then spoke to XXXX  who called Chase bank and with persistence got them to issue a recall request at around XXXX  the same evening.  This was logged as XXXX case number for recall request\\n(See Appendix 4 for copy of email detailing the recall.)XXXXAt this point the money was still at Chase but they refused to stop the wire.XXXX XXXX XXXX XXXX (daughter and son in law)XXXX XXXX XXXX XXXX  went to the Chase branch. XXXX did a second recall because initially the recall was done as XXXX XXXX but XXXX XXXX signed the transfer.XXXX XXXX XXXX  acknowledged the recall request on XXXX XXXX XXXX XXXX XXXX XXXX XXXX spent the afternoon at XXXX XXXX XXXX  home in XXXX  reformatting the computer so it was no longer a threat vector.XXXX XXXX XXXX  requested a hold harmless letter.  Chase sent that from XXXX, not XXXX.  XXXX  initiated the Wire, XXXX, is joint account holder.  XXXX XXXX XXXX are having challenges matching these two data points up  only learned on the branch visit on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  went to the Chase branch. XXXXApparently the hold harmless letter was never reconciled with the wire as they were done in different namesXXXXChase should have executed this hold harmless letter correctly but failed to do soXXXX XXXX XXXX XXXX XXXX went to the Chase branch and met with XXXX.  XXXX  called the central team and said XXXX XXXX XXXX said recipient is entitled to funds and is still investigatingXXXXOther Thoughts from XXXXnBureaucracy- its joint account.  Because some things were done by one account holder and some by the other XXXX  cant match this up easily.XXXXChase should know this and have prepared the Hold Harmless from XXXX XXXX  to avoid this confusion!\\n\\nThat person, who was in touch with us constantly-XXXX XXXX, used numerous phones & locations. He also called constantly even after XXXX XXXX which is an indicator (in my mind) that they did not receive the money right away. He wanted to get the last page of the transfer, but did not get it, (I assume) XXXX  released the funds anyway.\\n\\nThe last call (probably from XXXX XXXX) was about a week to 10 days later (around XXXX XXXX).  The caller ID showed Chase Bank. I did not pick it up. I have spoken to Chase the same day & there was no reason for them to contact me. So, I called the Chase- Security Dept. & asked them if they were trying to contact me. The answer was noXXXXI have the log of the phone calls that we received from XXXX.  Does Imperia need that?\\n\\nAny questions that he has, Ill be happy to answer. Anything that would be helpful in the\\nongoing investigation.XXXXSorry for being late with my info..XXXXHave a good night everyone.\\n\\nRegards to XXXX  from papa & meXXXXnAppendix 2\\nWire Notification EmailXXXXnChase \\n\\tXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXnto mXXXX XXXXFrom Account Ending in XXXXXXXXTransaction Number : XXXX\\n\\nDear Customer:XXXXnWe sent your wire transfer referenced above, as you requested.\\n\\nIf you have questions, please call us at XXXX for personal accounts or XXXX for business accountsXXXXSincerely,\\nConsumer & XXXX XXXXE-mail Security Information\\n\\nEmail intended for: XXXXIf you're concerned about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us.XXXXABOUT THIS MESSAGE\\nThis service email gives you updates and information about your Chase relationship.\\n\\nAppendix 1\\nInitial Chase Wire Fraud Hold\\n\\nChase Fraud Alert \\n\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount updateXXXXPlease call us about your Wire Transfer\\XXXX XXXX XXXX XXXX:\\nWe placed a hold on your wire as part of our internal review process. For your security, please call us at XXXX to confirm your wire details. Well cancel your wire on XXXX if we cant reach you or dont hear from you.\\nWe need the fastest way to contact you.\\nSign in and make sure your personal profile includes your mobile phone number.\\n\\nSecurity tip:\\nChase will never ask you for your account number or password in an email.\\nSecurely access your accounts in the Chase Mobile app or at chase.com.\\n\\nEMAIL SECURITY INFORMATION\\n\\nEmail intended for: XXXX XXXXf you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact usXXXXABOUT THIS MESSAGE\\n\\nThe Chase Mobile app is available for select mobile devices. Message and data rates may apply.\\n\\nThis service email gives you updates and information about your Chase relationship.\\n\\nChase cannot guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details.\\n\\nTo protect your personal information, Chase won't ask for confidential information in an email.\\n\\nYour privacy is important to us. See our online Security Center to learn how to protect your information.\\n\\nJPMorgan Chase Bank, N.A. Member FDIC\\n\\n 2024 JPMorgan Chase & CoXXXX XXXX\\nContemporaneous Email Notes of Chase Recall Request\\n\\n---------- Forwarded message ---------\\nFrom: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Re: fraud chase\\nTo: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWire Research said the money is still in XXXX  but they are refusing to return it\\nChase Claims does not consider this fraud. I am escalating it. On the phone waiting for a supervisor.\\n\\nWire Research - XXXX  is the guy there- claims they are initiating another recall.\\n\\nThey seem to think that this is our responsibility.  My parents are XXXX XXXX XXXX XXXXnd this was done under duress! The branch did not pick up on this and they should have so I hold them responsible. I am a contact and have access to the account- they had declined an online transfer right before that and suspected fraud but did not notify me when it was XXXX!  I hold them responsible too.\\n\\nPlease let me know what we need to do here. I am grateful thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have escalated this to the Supervisor of the Chase Claims Department- XXXX. They are proceeding with initiating another wire recall and are in touch with XXXX XXXX XXXX who is requiring a Hold Harmless letter. Chase is sending that today. I have been told to follow up in two business days.\\n\\nUsually XXXX  responds within a day.\\n\\nPlease let us know what you find.\"","date_sent_to_company":"2025-05-02T11:21:58.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"11229","tags":"Older American","has_narrative":true,"complaint_id":"13310729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-02T11:07:01.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["\\n\\nEMAIL SECURITY INFORMATION\\n\\nEmail intended for: XXXX XXXXf you have concerns about the authenticity of this <em>message</em>, please visit chase.com/CustomerService for options on how to contact usXXXXABOUT THIS <em>MESSAGE</em>\\n\\nThe Chase Mobile app is available for select mobile devices. <em>Message</em> and data rates may apply.\\n\\nThis service email gives you updates and information about your Chase relationship.\\n\\nChase <em>cannot</em> guarantee the delivery of alerts and notifications."]},"sort":[9.132396,"13310729"]},{"_index":"complaint-public-v1","_id":"2695203","_score":8.720504,"_source":{"product":"Mortgage","complaint_what_happened":"Attn: Consumer Financial Protection Bureau (CFPB)                                                                     XXXX Department of Regulatory Agencies (DORA)\n\nCCd: Pentagon Federal Credit Union (PenFed) and XXXX\n\nFormal Notice of Complaint \n\nTo Whom It May Concern,\n\nI am a homeowner in XXXX County,  Colorado, and I am in the process of refinancing my home with PenFed Credit Union, and initially  submitted my loan application to them on XX/XX/XXXX.\n\nMy initial loan application was done over the phone with a PenFed rep; PenFed and I spoke about home values, agreed upon a reasonable price we thought my home would appraise at  regarding Fair Market Value, and continued the application process. The following week I  found out I was Conditionally Approved pending verification of various documents etc as  well as an appraisal.\n\nAn agreed-upon target date of XX/XX/XXXX was proposed by PenFed as a conservative closing  date, with my rate lock (which I opted for on XXXX/XXXX during the application) expiring onXX/XX/XXXX. All parties agreed this refinancing could very reasonably move more quickly and potentially even close before XX/XX/XXXX.\n\nPenFed and I continued to work through their internal process, and eventually all that  \nremained was an appraisal of my property to be done. PenFed arranged to  \nhave a management company send an appraiser out to our property on XX/XX/XXXX.\n\nOn XX/XX/XXXX, the appraiser, redacted, came to our property. He was very pleasant  \nin person, professional, and both my wife and I were left with a positive impression.  \nDuring this visit he also mentioned that he was a licensed real estate broker in the  \nstate of Colorado as well.\n\nHowever - everything from this point forward regarding the appraisers conduct has left \nus with the very opposite of our initial impression.\n\nThe appraiser did not submit his completed appraisal to PenFed until the afternoon of  \nXX/XX/XXXX, 5 days following the appraisal date, and I the borrower was not provided a  \ncopy of the appraisal by PenFed until mid-day on Friday,XX/XX/XXXX, 6 days following the appraisal.\n\nI have attached a copy of the initial Appraisal Document to this Complaint.\n\nUpon reviewing the appraisal, it was immediately apparent to me, a lay person, that the  \nappraisal document was rife with inconsistencies, conflicting statements, omissions, and  many other problems that were objectively - not subjectively - in error. Perhaps due to  these problems, the valuation of my property seemed to be affected by the appraiser's blatant mistakes.\n\nUpon the insistence of the mortgage processor at PenFed I had been working with for the  past month, I rushed on the afternoon ofXX/XX/XXXX to review, complete, and submit before PenFed's close of business a Dispute Form to PenFed.\n\nI have attached my Dispute Form to this Complaint for your review.\n\nIn it, I attempted to call out the objective issues I saw that were clearly in error, as  \nwell as what appeared to be the subjective nature of the appraiser's conclusions. The  \nDispute Form also asked for 5 comps, and I endeavored to find homes that were extremely  close to ours (we live in a relatively large subdivision, with many like homes) and  provided those as well.\n\nOn Monday XX/XX/XXXX, Tuesday XX/XX/XXXX, I earnestly and persistently followed up with  PenFed so as to not lose any time in ensuring my Dispute Form had been received, that  PenFed was working with the appraiser's management company, XXXX, to address these issues, and then rectify them in due order. During this period I had my concerns  escalated to PenFed's management team, and was told repeatedly that they had not yet  heard back from the management company, and by extension, the appraiser.\n\nFinally upon the morning of XX/XX/XXXX, PenFed informed me they had received an updated  appraisal. However, upon opening it, I was shocked to see that absolutely none of my  concerns had been addressed by the appraiser, and that in his updated Appraisal's  \"Supplemental Addendum\" - literally the only change to the document I could verify - the  Appraiser supplied a scant few sentences that addressed only the Comps I had provided,  and none of my concerns whatsoever.\n\nI have also attached the post-Dispute Appraisal document.\n\nBoth I and the representatives I spoke with at PenFed were highly surprised at this  \nslow-to-respond, unprofessional and incomplete behavior, not once, but now twice from the appraiser  and XXXX.\n\nUpon hearing few options of recourse from my contacts at PenFed, I drafted a Notice of  \nComplaint, issuing forth a summation not dissimilar from this Complaint, explaining my  \nreasonable and legitimate concerns surrounding the quality, competency, and accuracy of  the appraisers and XXXX work. I set concrete and absolute expectations that  should this dispute not be rectified by the close of business on XX/XX/XXXX, I would be  submitting my grievances to both the Consumer Financial Protection Bureau, as well as the Colorado Department of Regulatory Agencies.\n\nI have also attached my Notice of Complaint.\n\nUpon sending this complaint, I had no contact from PenFed until the end of day on  \nXX/XX/XXXX, upon which an escalating manager simply indicated she had forwarded this  \ncomplaint to her management team. I decided at this time to allow for another day's  \nleeway to ensure this complaint was received by XXXX and by extension the appraiser, and provide an opportunity for him to rectify the manifest errors and problems with now- twice unprofessionally-done appraisal efforts.\n\nOn Friday,XX/XX/XXXX- only a week out from my scheduled closing date at that time - by  \nthe afternoon I had not received any contact from PenFed. I therefore called the manager  I had been speaking with, only to find she was out of the office and gone for the  weekend. I then dialed the next manager she indicated on her voicemail message would be  the person to contact for immediate assistance, and too learned this person was also out  of the office for the weekend. \n\nI then called PenFed's main number and was transferred multiple times until I was  \nultimately connected with a \"Mortgage Resolution Ambassador\"  her title per her email  \nsignature - to attempt to resolve this. This individual has refreshingly been both helpful and prompt  to respond to my concerns, but is clearly limited in the scope that she can assist me. Nevertheless I calmly explained my concerns and the problems I was having, she then asked me to forward to her both my initial Dispute Form as well as my Notice of Complaint, and  she assured me she would be reviewing these issues ASAP and finding the right people  internally at PenFed to ensure that they were advocating for me, the borrower, to  XXXX, the management company, to review and respond to my concerns as necessary.\n\nI again shared with this woman my concerns about timing and rectifying these issues prior to the scheduled Closing Date as well as the expiration of my Rate Lock. It is imperative that  this refinancing closes no later than XX/XX/XXXX, and funds are disbursed no later than  XX/XX/XXXX, for a number of reasons, not the least of which is my youngest child, who is  XXXX, requires XXXX and I must finance the XXXX through the proceeds of the  refinancing.\n\nI allowed for the idea that no progress would be made over the weekend of XX/XX/XXXX and  XX/XX/XXXX, and since Monday, XX/XX/XXXX, have been following up with this woman on a documented,  consistent, professional, and regular basis to ensure this process would not be delayed. \n\nBy mid-week it was clear that the management company, XXXX, had made no progress  in addressing my concerns and was sharing no information with PenFed and leaving me, the  borrower, in an untenable position. I continued to express my concerns directly to the mortgage resolution ambassador, and have been attempting throughout the week up to and including today,  XX/XX/XXXX, my originally-scheduled closing date, to resolve these issues. \n\nAs of the writing of this Complaint, the afternoon of XX/XX/XXXX, I have received no  \nresolution to my concerns or complaints and at XXXX MDT (local time) received a quote  in email of a response forwarded to me by Penfed, from either XXXX or the appraiser, stating \"I was hoping to  work on  today, but I am going to need until tomorrow to take the necessary  time to go through the rebuttal and respond to it.  Thank you for your patience during  this busy time.\"\n\nLet it be known that at no time have I attempted to engage in any unprofessional or uncalled-for contact with the appraiser; our only interaction was when he visited our home for his appraisal.\n\nI am absolutely shocked, as well as materially harmed in multiple and significant ways,  \nby the callous disregard and ineptitude I have suffered by this process.\n\nAs I have been informed by PenFed, due to federal regulations my closing cannot take  \nplace until next week at a minimum, and at this point that would only happen if I were to \naccept the appraisers and XXXX incompetent work as a true statement of fact,  \nwhich it is verifiably not. Moreover, to add insult to injury, I am forced to pay $XXXX for\nthe appraiser and XXXX  incompetent and harmful work, that they apparently\nhave no obligation to ensure is correct and reasonable.\n\nMy only recourse at this point - having exhausted all other reasonable avenues - is to  \nbegin the Complaint process both with the Colorado Department of Regulatory Agencies, as  well as the Consumer Financial Protection Bureau. I have allowed for both PenFed and  XXXX, and by extension the appraiser, many opportunities to resolve these issues  fairly and directly, but have been failed by these parties at every turn to rectify these problems in a reasonably expedient manner.\n\nWhile I am dismayed that this is the course of action necessary to me, the borrower, at  \nthis time, I feel I have no other course of action but to pursue remedy to the utmost of  \nmy ability.\n\nThank you for your consideration.","date_sent_to_company":"2017-10-06T21:17:56.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"2695203","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2017-10-06T20:54:26.000Z","state":"CO","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":["My only recourse at this point - having exhausted all <em>other</em> reasonable avenues - is to  \nbegin the Complaint process both with the Colorado Department of Regulatory Agencies, as  well as the Consumer Financial Protection Bureau. I have allowed for both PenFed and  XXXX, and by extension the appraiser, many opportunities to resolve these issues  fairly and directly, but have been failed by these parties at <em>every</em> turn to rectify these problems in a reasonably expedient manner."]},"sort":[8.720504,"2695203"]},{"_index":"complaint-public-v1","_id":"2759997","_score":8.024322,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"HI, \nMy name is XXXX XXXX XXXX XXXX \nOn XX/XX/XXXX I made several sales of Bitcoin for a total amount of XXXX which was deposited into my USD wallet. I was able to withdraw XXXX Of it before an error saying more information was necessary before I could continue to withdraw my money. \n\nI have an associated XXXX account that is about 15 years old by now. Attached to the account along with two bank accounts all in my name as well as two debit cards. \nI submitted my ID and verified my account information and social security number months before I began trading. \n\nThe system began requesting the same information again now that i have money to withdraw. \nWhen I try to verify my very simple information (billing address last four of social) \nThe software fails to verify my identity and I am sent back to the home page to try again in 8 hours. \nIt has now been 11 days of me attempting to verify my own identity which i had already verified previous to getting large amounts of money into the account.  Now that I am trying to withdraw they are hiding behind my inability to verify my identity as to why they are holding my funds hostage.  They will also not allow me to convert the USD currency back into bitcoin or some other cryptocurrency s that I could transfer it out of my account. \nI have submitted support tickets \nand got unhelpful responses like the following \n\n\"On XX/XX/XXXX at XXXX PST \"Coinbase Support\"  wrote:\n\nHi,\n\nIm sorry to hear that you are still having difficulty verifying your ID through the quiz. As I mentioned we use a third party to facilitate the quiz, and sometimes they just dont have enough or up-to-date information.\n\nIf youve tried several times and still cant successfully complete the quiz, unfortunately there may just not be enough information to verify you at this time.\n\nYou are welcome to continue trying to take the quiz as often as youd like (there is a limit to the number of times you can try per day), as it is possible that the information may update and you could pass. You may also want to try entering different variations of your address, as that is one of the most common causes of not passing the quiz.\n\nIn some cases, this verification may be required to continue purchasing through Coinbase. However, in many cases it is not required, and you should still be able to purchase digital currency up to your daily limit with an unverified account as well as use many of Coinbases features for buying, selling and transferring digital currency.\n\nIn the future we may be able to implement a different method for verifying identity, but at this time we cannot manually verify your ID.\n\nAgain Im sorry for the difficulty with the quiz. Thank you for using Coinbase.\n\nFor other concerns, please dont hesitate to contact us or you can simply visit https://support.coinbase.com/\n\nKind regards,\nXXXX\"\n\nThe problem with this is you get anywhere between 1-3 attempts every 24 hours to pass the quiz. \n\n\nKeep in mind.  I have verified accounts with other entities like XXXX, and XXXX \nSo there are other ways of \"verifying my identity\" to make sure everything is on the up and up. \n\nLong story short, i am not in the shadows i provided all forms of ID and verification I have complied with all regulations I pay taxes etc. \n\nMathematically speaking there are at least 20 different combinations of how to provide my very simple details in order to satisfy this ridiculous quiz. \nI responded to this unhelpful template response and have gotten no response.  I have tweeted them, direct messaged them via XXXX, emailed them, put up several other support tickets and have also called. I spent an hour and a half on hold for the person on the other line to be quite friendly and pleasant, tell me she was going to connect me directly to a support representative via email so that we could resolve the issue.  The email i received was simply her forwarding what i referenced above with a personal note \"thank you for calling coinbase\"\n\nto me this kind of irresponsible lack of transparency with handling peoples money by a financial institution is just completely unacceptable.  People have a right to know why their funds are being held up and why they are being forced to jump through hoops they had already jumped through prior to funding the account. \n\n\nEnclosed is the log of the support tickets and responses \nHere is the log of tickets and responses: \nXXXX XXXX\nXX/XX/XXXX XXXX Your site is saying it's unable to recognize me and it's likely I a a minor. This is untrue I already provided state issued identification. I am highly googlable and my info is correct. I am a cloud miner. I work at all access tickets. Last 4 are XXXX Please advise.\nCoinbase Support\nXX/XX/XXXX XXXX Thank you again for submitting your request to Coinbase. Our support agents are still hard at work getting to your case. In the meantime, this automated message may contain some useful information regarding your inquiry.\n\n\nAre you having issues uploading your ID to our system?\n\n\nIf youre having trouble verifying your ID, please take a look here for some helpful tips.\n\n\nYou may also upload your ID using our mobile smartphone app. You can download the app here:\n\n- XXXX\n\n- XXXX \n\nIf your ID does not match the country your account is set to, then it will be necessary to begin the country change process prior to uploading your ID. Click here for info on changing the country associated with your account.\n\n\nFound what you were looking for? Please visit this link to close your support request (you may need to use this link to log in first)\n\n\nOtherwise, we thank you for your patience, and we look forward to assisting you.\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nhi i am within my sell and withdrawl limits, \ni have provided photo id \nsocial security number \nbank account \nand credit card verification \nI am unable to sell my litecoin at the high price. \nI am unable to withdraw my funds in my USD wallet. \nPlease advise. I had just received notification that trade limits were increased this seems a bit odd.\nXXXX\nXX/XX/XXXX XXXX\nThank you for contacting Coinbase support. Coinbase has experienced unprecedented levels of website traffic resulting in increased support wait times. The purpose of this notice is to explain how we are prioritizing our responses.\n\n\nOur first priority will be resolving trust and safety issues and payment issues. These specifically include:\n\n\n\nAccount compromises\n\nAccount lockouts (password resets, 2-factor authentication, device verification)\n\nDelayed payments or orders\n\nLost access to email address\n\nID verification preventing sell orders if you have a digital currency balance\n\n\nIf your issue is one of these priority issues::\n\n\n\nReview our Support Center content: https://support.coinbase.com/\n\nIf you are still unable to resolve your issue, reply to this message with as much detail as possible\n\n\nOur next priority will be the issues listed below. You can find solutions to these issues in our Support Center: https://support.coinbase.com/. Please carefully review the solutions presented in the Support Center as this will be quickest way to resolve your issue.\n\n\nThese issues include:\n\n\n\nNew account registration\n\nLimit increase requests\n\nID verification not related to lockouts, etc.\n\nBypassing 24-hour lock-out windows\n\nBuy and Sell restrictions\n\nCountry changes\n\nLinking new cards\n\nOrder cancellations\n\nBypassing transaction times\n\nReferral bonus inquiries\n\nDigital currency transactions external to Coinbase\n\nGeneral questions about Coinbase and digital currencies\n\n\nCoinbase is committed to providing excellent customer support. We are improving our systems to reduce the possibility of outages as well as increasing Support capacity. You can monitor the status of our site here: https://status.coinbase.com/\n\n\nWe know that being able to access our site is very important to you. Its equally important to us. Thanks for your patience with us as we grow with the digital currency community.\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nHi\nYou have my ID my social, I have plenty of transaction history i am trying\nto sell my litecoin to make profit and you are preventing me from doing any\ntransaction on the site when i try to verify my identity it says you were\nunable to verify my identity most likely because i am a minor.\nPlease advise i can provide whatever documentation to prove i am me but you\nhave 2 bank accounts a credit card a debit card and my photo id and social\nso i dont get it.\n\nMy limits have not even been reached yet.\n[image: Inline image 1]\nAttachments | image.png\nXXXX\nXX/XX/XXXX XXXX\nHi,\n\n\nThank you for contacting Coinbase Support.\n\n\nIm sorry to hear that youre having difficulty verifying your ID through the ID quiz. We use a third party service to offer the quiz, and there are several reasons why it may not succeed on your first attempt.\n\n\nI definitely want to help you complete the quiz, and here are the most common reasons and solutions that may allow you to do so successfully:\n\n\n1  If you have recently changed your address or made other changes in your identifying information, it may not be recognized. For example, as a US resident you may have received a new Social Security Number which may not be recognized yet. In these cases, you may be able to verify your ID by using your previous address or information.\n\n\n2  The address you entered may be right, but the quiz still says its invalid. If this happens you may need to try different variations on your address, for example including the apartment number on a separate line or the first line, or only entering the apartment/unit number and not the words apt or unit.\n\n\n3  All information must appear exactly as it does on your legal documents. Youll want to be sure youre using your full legal name, and not a nickname, for example.\n\n\n4  There may just not be enough information on record to sufficiently verify your identity at this time. This usually affects our younger customers more often. Unfortunately, theres not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure its not just an address issue.\n\n\nI know how frustrating it can be when the information youre entering is correct, but not being recognized by the quiz. I also recommend that you continue to try the ID quiz periodically, as it may just take some time for your information to be added or updated to the system.\n\n\nThank you for choosing Coinbase.\n\n\nFor other concerns, please dont hesitate to contact us or you can simply visit https://support.coinbase.com/\n\n\nKind regards,\n\nXXXX XXXX XXXX\nXX/XX/XXXX XXXX\nJust took the quiz and matched everything exactly as it is on my ID.\nNone of your solutions are valid.\nXXXX me XXXX XXXX I have XXXX XXXX and XXXX all of which point to my address and\nverify my employment. You are holding my money hostage and preventing me\nfrom exiting positions when I can be most profitable. I have not even\nreached my agreed limits. Release the holds or I will seek legal counsel.\nThis isnt right.\nXXXX XXXX\nXX/XX/XXXX XXXX\nIt says on your site I can sell XXXX worth of crypto a week I have not sold\nanywhere near that. Also what does that have to do with me withdrawing my\nown money into my bank account??? How long is the hold when can I make the\nnext trade of any kind? Why is there a hold when I have not breached my\nlimits. Do i need to contact that fcc sec attorney general and any\ngovernment entity that will hear me?\n\nIt's not my fault your third party site is ertoring out. And as your email\nclearly states it's not just with me. I've presented government issued Id.\nI live at the address on my ID and I presented the correct information\nduring the test. I can provide further proof of my identity but i have\nrights to my money. I want answers.\nXXXX\nXX/XX/XXXX XXXX\nHi,\n\n\nIm sorry to hear that you are still having difficulty verifying your ID through the quiz. As I mentioned we use a third party to facilitate the quiz, and sometimes they just dont have enough or up-to-date information.\n\n\nIf youve tried several times and still cant successfully complete the quiz, unfortunately there may just not be enough information to verify you at this time.\n\n\nYou are welcome to continue trying to take the quiz as often as youd like (there is a limit to the number of times you can try per day), as it is possible that the information may update and you could pass. You may also want to try entering different variations of your address, as that is one of the most common causes of not passing the quiz.\n\n\nIn some cases, this verification may be required to continue purchasing through Coinbase. However, in many cases it is not required, and you should still be able to purchase digital currency up to your daily limit with an unverified account as well as use many of Coinbases features for buying, selling and transferring digital currency.\n\n\nIn the future we may be able to implement a different method for verifying identity, but at this time we cannot manually verify your ID.\n\n\nAgain Im sorry for the difficulty with the quiz. Thank you for using Coinbase.\n\n\nFor other concerns, please dont hesitate to contact us or you can simply visit https://support.coinbase.com/\n\n\nKind regards,\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nHey thanks for calling in today\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nthis is incorrect i have passed the quiz before.Is that what i waited an\nhour and a half on hold for?\nXXXX XXXX\nXX/XX/XXXX XXXX\nI am verified at OTHER EXCHANGES LIKE YOUR COMPETITOR XXXX please explain\nwhy are you holding on to my funds. Its very easy to verify my identity\nthere are other institutions that can verify me just fine. Stop saying you\nare unable to verify my identity. its something else.\n\nAnother:\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nHi, \nI got a generic response to my question in regards to the \"photo ID quiz\" \nthe responses i received were invalid. \nI am highly XXXX i am a XXXX XXXX so my name is everywhere on the internet, i do business out of my home which is the address on my ID, also all over the internet. \n\nI am well within my buy and sell limits, it says i have XXXX left but you are not allowing me to make any moves with my funds. \nI have over 3k in USD from a sale i made. I need to withdraw it into my bank account. \nThis is also not being allowed. \nYou do not specify any limits to withdrawing your own money back into your account. So when can i withdraw my own money back into my account?\n\nXXXX\nXX/XX/XXXX XXXX\nThank you for submitting your request.\n\n\nAre you having difficulty verifying your ID through the ID quiz? There are several reasons why it may not succeed on your first attempt:\n\n\n1  If you have recently changed your address or made other changes in your identifying information, we may not recognize you. For example, as a US resident you may have received a new Social Security Number (SSN). In these cases, you may be able to verify your ID by using your previous address or information.\n\n\n2  The address you entered may be correct, but the quiz still says its invalid. If this happens you may need to try different variations on your address, for example including the apartment number on a separate line or the first line, or only entering the apartment/unit number and not the words apt or unit.\n\n\n3  All information must appear exactly as it does on your legal documents. Youll want to be sure youre using your full legal name, and not a nickname, for example and entering your first and last names in the appropriate fields.\n\n\n4  There may not be enough information on record to sufficiently verify your identity at this time. This affects our younger customers more often. Unfortunately, theres not much to be done in these cases but to continue trying the quiz, possibly with some variations of the information to be sure its not an address issue.\n\n\nWe recommend you continue to try the ID quiz periodically, as it may be updated in the system after some time.\n\n\nIn some cases, this verification may be required to continue purchasing through Coinbase. However, in many cases it is not required, and you should still be able to purchase digital currency up to your daily limit as well as use many of Coinbase features for buying, selling and transferring digital currency.\n\n\nThank you for choosing Coinbase. If you need further assistance or information, please reply to this message and well be in touch as soon as possible.\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nHi you are not answering my question. I was not told prior to depositing my\nfunds that there was any possibility I would not be able to withdraw my own\nusd back into my account. The message only began during this recent price\nsurge. Before that I was reading freely for months because you had already\nverified my account. Are you saying you are holding on to my funds\nindefinitely????\nXXXX XXXX\nXX/XX/XXXX XXXX\nHi, \nI have a verified state issued license on file. \nI have also passed the ID quiz \nThats how my usd wallet was enabled in the first place. \nI have been unable to make any transactions since XX/XX/XXXX.\n\nI try re uploading my documents to just repeat the proccess and your server just keeps erroring out regardless as to what time I try. \nYou also restrict the attempts so after 2 failures on your end i have to wait another 24 hours to try to get my money out. \n\nThis is a very weird thing. \nThe only reason I trusted you enough to transfer large quantities of currency with your exchange was under the safety of knowing I had certain limits that were agreed upon ahead of time. Now i just have USD stuck in your exchange and I have no control over how to get it out now. I ask that you please release my account given the fact that it is verified I am a US citizen and I pay taxes. Or allow me to re exchange my USD for a crypto and move it out of your exchange to cash out. \n\nIts not right to just hold your customers money hostage without giving them a proper reason or some sort of support.\nCoinbase Support\nXX/XX/XXXX XXXX Thank you again for submitting your request to Coinbase. Our support agents are still hard at work getting to your case. In the meantime, this automated message may contain some useful information regarding your inquiry.\n\n\nAre you having issues uploading your ID to our system?\n\n\nIf youre having trouble verifying your ID, please take a look here for some helpful tips.\n\n\nYou may also upload your ID using our mobile smartphone app. You can download the app here:\n\n- XXXX\n\n- XXXX\n\n\nIf your ID does not match the country your account is set to, then it will be necessary to begin the country change process prior to uploading your ID. Click here for info on changing the country associated with your account.\n\n\nFound what you were looking for? Please visit this link to close your support request (you may need to use this link to log in first)\n\n\nOtherwise, we thank you for your patience, and we look forward to assisting you.\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nupdate. \ni reuploaded my ID \nafter 100 attempts over the course of a few days i got a successful id verification email saying i was free to buy currency. I attempt to convert my funds in the USd wallet into ether btc or litecoin all fail i get the same error ive been getting. \nAttachments | 1.PNG\nXXXX XXXX\nXX/XX/XXXX XXXX\nI then go to the url \nwww.coinbase.com/XXXX \nas instructed thinking ok this is a clean clear new scan of my ID should work in passing the quiz... get this error.\nAttachments | 3.PNG\nXXXX XXXX\nXX/XX/XXXX XXXX\nI go to www.coinbase.com/XXXX \nand get this even though no attempts were made yet other than the successful uploading of the ID\nAttachments | 2.PNG\n\nXXXX XXXX\nXX/XX/XXXX XXXX\nHello\nI recently completed a sale of some bitcoin i had in my account for about\n7500 dollars. I was able to withdraw about 3500 of it when i started\ngetting a message saying that I needed to complete more information\nwww.coinbase.comXXXX.\n\nThis was surprising as I had a fully verified account before I started\ntrading.\nI did this on purpose as I did not want to do lots of transactions or have\na lot of money sitting in an account where it would be possible for the\nfunds to be held hostage as they are being held at this moment.\n\nI have provided my information several times\ni resubmitted my IDs only for the verification to fail\nyet it says i have a verified california id document on file.\nI can provide whatever data u need to verify my identity I am in california\njust a few hours away from your home office.\n\n\nPlease allow me to withdraw my USD funds into my bank account\nOr at least allow me to convert into some sort of crypto u offer ether\nlitecoin or bitcoin and allow me to move it off your exchange.\n\nthis is not right to not be fully transparent with your patrons and tell us\nwhats really going on, these are the holidays and people are trying to get\ntheir cash out to take care of their families...i really do need my funds\nso I would appreciate some sort of response that is not a preconceived form\nresponse that helps no one and frustrates this end user.\n\nPlease do the right thing and respond with some sort of actual solution\nrather than \"trying the quiz again with various variations of how the\naddress should be typed\"\nyou only give us 2 chances every 24 hours... getting every variation of ave\navenue apt apartment suite etc it could take weeks before i get my money\nout.\n\nI exist. I am a citizen of the united states. you do business in the united\nstates.\nyour customers have rights too. please i implore you treat us like human\nbeings and provide a solution or a legitimate reason why this is happening.\n\nthank you\n\n-- \nXXXX XXXX \nXXXX XXXX XXXX","date_sent_to_company":"2017-12-19T18:52:53.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"2759997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2017-12-19T18:23:46.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In the future we may be able to implement a different method for verifying identity, but at this time we <em>cannot</em> manually verify your ID.\n\nAgain Im sorry for the difficulty with the quiz. Thank you for using Coinbase.\n\nFor <em>other</em> concerns, please dont hesitate to contact us or you can simply visit https://support.coinbase.com/\n\nKind regards,\nXXXX\"\n\nThe problem with this is you get anywhere between 1-3 attempts <em>every</em> 24 hours to pass the quiz. \n\n\nKeep in mind."],"issue":["<em>Other</em> transaction problem"]},"sort":[8.024322,"2759997"]},{"_index":"complaint-public-v1","_id":"10771278","_score":7.9921265,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX:\nI got a text in the afternoon from Charles Schwab while at work asking me to confirm Y or N if Id tried to charge something at XXXX. I responded N. Shortly after that, I got a call from caller ID Charles Schwab and answered even though Im a teacher and was busy at the time, I wanted to make sure there wasnt fraud on my account. It was a hacker who was already in my account, but I unfortunately didnt catch on that it was a scam because he already was in my account and seemed to know everything he would need to know and had access to my account already. I realized he had called me, not the other way around, so told myself to be careful not to hand out any information. He was clearly already in my account and had all my information at that point because he had my name, address, phone, email, account numbers, debit card numbers for my personal and joint checking accounts (the last 4 digits at least because that was how he was referring to my two cards). I gave him none of this information. \nHe again asked if I had made that XXXX  charge and I said no. He asked about another charge at Walmart and I said no. He then continued to go through charges and activity on my account over the last week, reading off my actual activity such as ATM withdraws, and transfers between my Charles Schwab accounts that were legitimate asking me to confirm with a yes or no if the activity was me or not. Because he had all this information and wasnt asking me to provide any personal information, like the last 4 digits of my social security number or my password, pin, security questions, etc., I still thought he was from Charles Schwab. He then said he could cancel my debit card because it had been compromised. He said hed have another one sent overnight to me. I agreed to this.\nHe said that there were attempts at wire transfers as well and asked if I approved those. I said no. He then said he was sending me some codes to read back to him so he could reject the wire transfers. I now know those were One Time Passwords, but at the time didnt think it could possibly be because, again, I didnt think anyone could possibly be in my account and have all my information unless they were from the bank. I also remember thinking that with only a code from a text, there was nothing anyone should be able to do without also having all my other information. Unfortunately, I didnt open the texts when they came through, I just saw the codes pop up as the first part of the messages in the text notifications (so the parts saying not to share them with anyone even if they claimed to be from Schwab, werent showing). This was obviously my mistake in this whole thing. Even though I thought I was being so careful not to reveal any personal information, I didnt understand how these codes could be used. I never have done a wire transfer and didnt know the process. He kept me on the phone while he actually then did the wire transfers I think, so I didnt see the emails come in via notification saying that my password was changed, 2 factor authentication was turned off, and the transfers were ordered. I dont check my personal email every day on busy weeks and didnt see these until the next day after Id seen the money removed from my account. He actually asked me if Id like email notifications turned back on because he said I had it off and I said yes and he said then Id be getting emails from the transfers being initiated but to ignore those because they were from earlier in the day when the fraud was attempted and then Id get more showing they were canceled. Of course then I only got the emails stating the transfers were initiated and later, completed. \nHe told me that a fraud investigation would be conducted over the next 24-48 hours and my account would be locked for 24 hours, so that they could make sure nothing was transferred from my account and conduct their investigation and try and figure out where the logins had occurred for the fraud. He gave me a fake fraud investigation case number. He said not to log in to my account because it was locked and they were conducting their investigation and it would slow it down if there were logins from my actual location while they were trying to see where the fraudulent logins were from. Obviously this was a very well planned and repeatable type of fraud (in fact I was told by the fraud investigator at XXXX that they see this all the time). \n\nXXXX XXXX: \nI checked our bank accounts after work (my personal checking and our joint checking) in the evening and they had been emptied down to about $XXXX  total from about $XXXX. The money had been moved to my brokerage account and then transferred via wire out (from our joint brokerage account there were two wire transfers: $XXXX  and another for $XXXX  totaling $XXXX). We dont usually keep that much money in these checking accounts but were about to pay off a large credit card bill from a recent home improvement wed charged. Weve talked in the past about not keeping too much money in there since these accounts do have debit cards associated with them and we know that makes them less secure. We actually dont even carry the cards most of the time in our wallets, preferring credit cards for the added security. \nI called XXXX XXXX  that night to report the fraud. They said a fraud investigator would call me in the next two business days. They said they needed to lock my online account and that we could still use our debit cards (not that we would at this point after this happened knowing that the accounts are not secure and nearly empty). They didnt give me information beyond that and said the fraud investigator would have more information. I talked to my husband who was traveling for work but was able to talk me through how to check my XXXX  account to see if there were any logins from new devices or other places to see if that was where the security breach was. There werent any red flags in XXXX  - no password changes, no log ins from other devices, no history of anything odd. He thought my XXXX  account may have been the origin of the hack since they clearly had my password for my Charles Schwab account and I use XXXX  password manager for all my passwords (so I dont even know the passwords to any of my accounts because they are randomly generated and supposedly very secure). I updated my XXXX  password that would be needed to get into my password manager to make sure that stayed secure. \nAt no point did anyone at Schwab say that they were even sorry this had happened to me or give me any series of events that would now occur to help me move forward. No responsibility was taken on their part at any point for the fact that  my account was hacked under their watch and on their website. \n\nThursday, 5/9/24: \nI had to take the day off work to deal with this. While waiting for the fraud investigator to call me, I finished the factory reset on my phone that my husband had recommended I do for security purposes. The fraud investigator called me and asked how my day was going. I told him not well. He basically heard from me what happened and then said that they see this type of fraud a lot. He said this is a really common scheme and seemed to know exactly how this worked. I told him that I hadnt given the caller my information and that the man was clearly already in my account because he had all my information. He told me that they wouldnt cover our lost funds and that he could try and request the funds returned from the banks they were transferred to. I said that sounded unlikely to work but would fill out the paperwork right away that he was sending me for that, which I did. He gave me no other help in this matter and no other information, which was shocking and unnerving. I had no information as to how or when my online account will be unfrozen. I was left trying to figure out on my own which bills, like our mortgage, paid automatically from our account, when they each would try to draw funds and how to stop payments so we wouldnt over draft or get extra fees, late fees, etc from other institutions for the insufficient funds, all while being locked out of my account indefinitely. We spent all of XXXXy and XXXX dealing with the logistical details of this. On XXXX, we remembered that we had purchased the identity theft protection from XXXX this year and I gave them a call. That was the first time I felt someone was trying to help me and had a human response to my losing a huge amount of money. Nothing came of it in the end because it was ruled fraud and not identity theft, but at least they could talk me through things like freezing my credit.\n\nXXXX XXXX:\nI called Charles Schwab to find out our account balances and ask about when the freeze would be lifted since calling was the only access I then had to my accounts. The woman was eventually able to help me reset my username and password and remove the freeze from our account. She said they have requested the funds returned from the bank they were being transferred to but didnt have the result of that yet.\n\nXXXX XXXX:\nI had to call Charles Schwab again because I couldnt log in to my accounts still without a security code and couldnt receive a security code because I did a factory reset on my phone (as an added security precaution). Paul was able to get me into my accounts and was going to check and see how long the process usually takes for recalling the wire transfers since I asked what it was and he didnt know and I said there was no indication that there was going to be any more follow up from Charles Schwab and I wanted to know where we were at in the process. He called me back that night to let me know that the funds recall did not work and they had known that since XXXX  (it was XXXX). I asked why this wasnt communicated to me and he said that its all automated stuff in the system so theres nothing that would trigger them to contact me. I asked to see if the fraud investigation was still open and he said it wasnt. Again I stated it was odd to me that no one was communicating this information to me. I understand that I made a mistake in speaking to the scammer, but the bank account had already been hacked, which is not in any way my fault. \nA few weeks later, I called Charles Schwab and requested report of fraud with account numbers where the money was transferred and a reason why we werent being refunded our lost funds. They said itd post in 5 business days, it didnt. Then I contacted them via the website chat and they said the report was sent to my message center in my online portal, but it was not showing up in my message center so theyre said they were resending it right away to the message center. It still didnt appear. A week later it still wasnt there, so I called again and they said theyd email it this time. Now another 9 days has passed. I called again 10/29 and spoke with a representative named Angel, who couldnt find any reason why it wasnt being sent out, so was going to call me back within 48 hours to let me know when I could actually expect it to be sent to me so that I wasnt just waiting once again for it and not having it come. I told her I need account numbers where wires were sent for IC3 report and police report. 11/4, I still had no word. I called again that day and spoke to Conner in Denver. He told me hed talk to the investigator and put me on hold. Then he came back and said they wont be able to honor any of the letter requests unless it comes from law enforcement. They didnt tell me this at any point in my 4 previous requests for the report, instead they left me waiting for it to come repeatedly, wasting my time and making this process take much longer than needed. This is the first time Id been told that I cannot have the information Im requesting. He was going to speak to the fraud investigator to see if they could at least release the account numbers that the money was wired to. He said he would call me back but didnt. \nWe generally dont use these accounts anymore due to the fraud and theft that happened with them, but left them open with a little bit of money in them while were trying to resolve this incident and there was additional fraud on our joint account on 10/16 & 11/4 coming from our new debit card, that I dont use because again, I dont feel this account is safe. These funds (totally about $XXXX) havent been returned yet, even after reporting them as fraud. Clearly I need to just empty this account because they are still unable to keep it secure. \nI cannot believe that my bank will not help me any further in this situation and I am out all of my money. It is hard to believe that when my account was hacked through no fault of my own, that I am solely responsible for what happened because I shared the codes after they were in my account. I wouldnt have fallen for the scam if the hacker wasnt already in my account because he wouldnt have had all of my personal information that made it obvious that someone was in my account. If they see this all the time how is anyone supposed to safely use online banking with them with any confidence. I am deeply embarrassed and ashamed that I gave away any helpful information to the scammers. I am also in shock that we lost such a huge amount of money and arent covered for that loss. I am angry with myself, the hacker/scammer, and Charles Schwab. The loss of the money is devastating and the way I was treated by them has been absolutely appalling. \nI am sharing exactly what happened, in hopes that you can use this information to prevent others from the same fate. No one should be in my position. This has been one of the worst experiences of my life. I have filed reports with the police and the IC3 as well. I should have more protection than this as a consumer. It seems that there should have been red flags for Charles Schwab when a new IP address, in a new location, logged into my accounts, turned off 2-factor identification, changed my password, moved almost all my money into my brokerage accounts that had never previously been used at all (because they were automatically opened with the checking accounts), and then transferred almost all my money out all within 48 hours. Where is the consumer protection in that?","date_sent_to_company":"2024-11-12T19:46:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"108XX","tags":null,"has_narrative":true,"complaint_id":"10771278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2024-11-12T18:46:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Then I contacted them via the website chat and they said the report was sent to my <em>message</em> center in my online portal, but it was not showing up in my <em>message</em> center so theyre said they were resending it right away to the <em>message</em> center. It still didnt appear. A week later it still wasnt there, so I called again and they said theyd email it this time. Now another 9 days has passed."]},"sort":[7.9921265,"10771278"]},{"_index":"complaint-public-v1","_id":"2760130","_score":7.861582,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Here is the XXXX view of the problem:\n\nA company called XXXX XXXX stole money from me by charging my Capital One card when they should not have done so.\n\nDespite my proving XXXX Inc was wrong, Capital One dropped the investigation and said it was my problem, not theirs.\n\n*********************************************************************\n*********************************************************************\nWith slightly more detail: XXXX XXXX gave me their instructions for cancelling my account with them.\nI followed those instructions, exactly, but XXXX XXXX stated I was late.\nI have proof that I was not late. (See attachment: original_msg.txt)\nCapital One has ignored that proof and will not credit my account. XXXX XXXX no longer responds to communication by Capital One or by me.\n\n*********************************************************************\n*********************************************************************\n\nOn XX/XX/XXXX, I signed up for a month of service from XXXX XXXX. at a promotional rate of $XXXX/month. I read, and was told by phone, that my second month's bill would have been $XXXX unless I would cancel, by phone, on or before XX/XX/XXXX. \n\nThe results I got from my first month's worth of service from XXXX were XXXX. No results at all, so I elected to cancel the subscription and was very careful not to miss the deadline I was told about.\n\nI called the company at XXXX on XX/XX/XXXX at XXXX and again at XXXX  PDT to cancel. (These dates & times are recorded on my cell phone.)  I was told the cancellation was made, and as such, I went about my business. Weeks later, I happened to notice XXXX had billed my Capital One card for a second month @ $XXXX.  I canceled that payment with Capital One, who then launched an investigation.\n\nOn XX/XX/XXXX, I received a letter from Capital One, saying XXXX  Inc had \"...provided information to support the transaction,\" causing Capital One to reapply the charge to my account.  I called XXXX at the same number, above, and left a message, as instructed by the voicemail bot at XXXX. The bot stated the call would be returned within one business day. (I never got a callback from XXXX XXXX.)\n\nI read the refutation letter XXXX sent to Capital One. \n\nXXXX claimed I had been one day late in canceling my XXXX service, stating that I had E-mailed my request to cancel on XX/XX/XXXX. That claim is false on both of its premises; \n1. I did not E-mail my request to cancel, I made the request by phone (as previously instructed by XXXX). Apparently, someone at XXXX isn't paying close enough attention to the details to construct a decent lie.\n2. I made that phone call on XX/XX/XXXX, not XX/XX/XXXX (inside the period XXXX gave me to cancel the service).\nSo the argument that passed as \"information to support the transaction\" is completely false and obviously constructed to be deceptive.\n\n\tProof of Return/Cancellation\nI have a recorded E-mail, from XXXX, responding to my cancellation request, dated (by Gmail) XX/XX/XXXX, which proves XXXX had received my cancellation request on or before XX/XX/XXXX.\nXXXX \nThis E-mail shown below:\n ________________________________________\n\n\tSecond Opinion \n\nA XXXX search revealed someone else who was scammed by XXXX, in a very similar way.\n\nXXXX\n\nMerchant Name: XXXX XXXX  XXXX XXXXTRANSACTION XX/XX/XXXX: $XXXXTRANSACTION XX/XX/XXXX: $XXXX  XXXX XXXX XXXX called me on XX/XX/XXXX. They are a XXXX XXXX XXXX company that is supposed to manage your advertising campaigns on XXXX. They apparently are advantageous because of the volume of business they do with XXXX you are supposed to get a better rate than going to XXXX  directly. They told me they are running a 2 hour rush sale and that it is urgent to sign up immediately in order to be able to advertise with them. We ran through a series of examples of how they would help me and told me that I was able to cancel at any time after 30 days of use, however if I paid for 6 months in advance that I would be able to save 50% and if I still wanted to cancel after 30 days that I was able to. Thinking that there was not much to lose I decided to sign up.Initially XXXX seemed like a representable vendor. The first 2 days was a great experience and I had a few different coworkers, friends and family test the searches to make sure that they were working properly, and the first few days they were. After the first week however I noticed a drastic change. The service that they promised was no longer working, barely any of my paid searches would come up. I called XXXX  numerous times and could no longer reach them. I sent many emails and never got a response. I then finally received a call from one of the managing partners, XXXX and I told him that I no longer wanted to continue the service. XXXX refused to listen and told me to let it play out the rest of the month, and if I was still unhappy that he would refund me for the remaining 5 months. XXXX assured me that I would be in his circle of preferred customers and that I could reach him at any time if I had any questions or concerns. I tried emailing XXXX a few times after the call and I never received a response.I then called XXXX and filed a dispute. The information that I received from XXXX that XXXX submitted says a few things that proves that they are untruthful. On the bottom of the page of Chargeback Comments it says, Provided to said client was 9 ads placed in the Top 3 spots on the first page of XXXX, shown in the state of Florida and 4 surrounding states, on all devices (mobile ect.), ads are up 24/7, unlimited clicks to website from ads placed, extra text lines and also sitelinks making the ad larger and increases traffic First off I want to say that I am not licensed to do real estate in any state other than Florida. Why they would set up 4 other surrounding states is beyond me and could actually get me in trouble with the Florida Board of Realtors for advertising and doing business in a state other than Florida. Secondly, I have proof that my ads were not up 24/7 and they removed certain ads to save money with XXXX and did not do as promised by advertising my ads 24/7. You will see various screen shots attached proving that the ads were not working 24/7. I intentionally had many other co-workers, friends and family test it out and see if was working. They also experienced the same as I did and did not see any of my ads.Lastly I called XXXX XXXX directly and showed them the document that they emailed you and me showing the clicks that were supposedly clicked. I knew immediately that they were manufactured based on how big the area is. For example: if you researched and looked up how many people XXXX searched XXXX XXXX, NY and XXXX, AL you would get 100xs more searches for XXXX XXXX, NY. The same is true with some of the searches that I signed up for. The data that XXXX provided just didnt make any sense. So I called XXXX XXXX XXXX  and they confirmed to me that it looked like it didnt make sense. They also told me that most companies would not copy and paste that data into a word document because there is nothing from XXXX indicating that the statistics and data is accurate. They told me that I needed to get a report from XXXX that shows the data not a inputted text in an email.Attached you will find unresponsive emails, search test done and much more. Thanks so much for looking into this further. I look forward to talking to you and discussing how we can fix this. Thanks. \n(There was a section that gave the company an opportunity to rebut the accusations. No rebuttal was offered.)\n\n*********************************************************************\n*********************************************************************\n\nBelow is the full E-mail thread between XXXX XXXX and me:\n\nXXXX\nWelcome To XXXX XXXX.\nInbox\tx\n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \n*** ATTENTION: PLEASE DO NOT REPLY TO THIS EMAIL. This email has been automatically generated through our internal emailing system.\n\nCongratulations - Your XXXX XXXX Placements are now ordered!\n**You will receive another email when your Online ad campaign is LIVE**\nAny additional questions you may have can be answered at XXXX. If you do not receive the 2nd email within the 2-3 business days please check your spam folder.\nYour Exclusive XXXX Search Areas:\nXXXX, XXXX Thank you for your business. We look forward to promoting your business to its peak!\nOrder Confirmation:  (Month-To-Month Agreement)\n\nBilling Information \nClient Name: XXXX XXXX XXXX\nStreet Address:XXXX XXXX XXXX XXXX XXXX City, State, Zip: XXXX XXXX, CA, XXXX:\n\n\nPayment Method\nCredit card type: XXXX\nLast four #: XXXX \n\nClient Account Information\nWebsite: XXXX \nPhone: (XXXX) XXXX\nEmail: XXXX \n\n\nAmount\nMobile Feature/Click to Call: INCLUDED\nFirst Month Total Charge: $ XXXX ( includes set-up if applicable )\nMonthly Service Fee: $XXXX Beginning: XX/XX/XXXX\nPayment Made Today : $XXXX\n*Go to XXXX to read over our terms, conditions and cancellation policies. This must be submitted within 5 days of your ads being up and running: NOTE This does not activate your account or your Search Engine ads.\n________________________________________\nWe've included our terms here for your records and convenience.\n________________________________________\nXXXX XXXX. Term and Conditions:\nXXXX XXXX, XXXX is an online marketing group that works with clients across the nation. Our objective is targeted demographic marketing for our clients on XXXX, the world's largest search engine. By agreeing to partner with XXXX, you are also agreeing to the following terms and conditions.\nPrivacy Statement:\nWe will never sell, trade, or otherwise disclose personally identifiable information to anyone. We will not share your email address with any other company. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and actions tags (also known as single pixel gifts to web beacons) to determine your advertising effectiveness. Any information that these third parties collect (via cookies and action tags) is completely anonymous.\nOnline Search Phrase:\nOur marketing experts perform widespread detailed research to establish the most valuable and cost effective marketing position for each and every client. We place every client on XXXX to ensure they are reaching their targeted market 24/7. We research multiple marketing strategies to place our clients in the most cost effective position, with the highest return on their investment. XXXX may grant additional marketing on a client's behalf to further increase their results and exposure.\nIt is our ultimate goal to ensure that all of our clients get the most out of their XXXX  XXXX on XXXX However, XXXX cannot guarantee the exact position of a client's campaign ad, nor the number of hits, clicks, leads, or sales as an outcome of their online marketing. There could be events outside of our control that can temporarily hinder our capacity to secure XXXX  placement(s). These events may include, but are not limited to, Search Engine System updates, XXXX account reviews, and any other events out of the direct control of XXXX. XXXX has no power over our client's personal website(s) and has no means of measuring the outcome of sales from our client's online marketing campaign. We require our clients to keep track of their individual results by asking each and every person that contacts their business how they had found their name and phone number. XXXX is not an entity of, nor directly affiliated with; XXXX. XXXX is a privately owned marketing group that concentrates on the construction and maintenance of targeted marketing ads for our clients on the major search engines. For more information about Online Search Phrases/Placements please email us at XXXX or call XXXX XXXX  during our business hours.\nWarranties:\nTHE INFORMATION AND SERVICES THAT XXXX XXXX. PROVIDES ARE ON AN \"AS IS\" AND \"AS AVAILABLE\" \"NO REFUND\" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY XXXX, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL CREATE ANY WARRANTY HEREUNDER.\nSubscription Details:\nThis Order authenticates the arrangement that was made between you and our marketing specialist from XXXX to partner in our service(s), as was recorded with your authorization. Unless explicitly contradicted by this Order Confirmation, the recorded agreement described above continues in full force and effect. Your campaign has been set up on a month-to-month basis unless otherwise agreed to. All of our month-to-month agreements begin on the date that you first established participation and you will continue to be billed automatically by direct deduction on the monthly anniversary day of every month. XXXX Billing will reflect XXXX XXXX. and shall appear on your banking statement(s) as XXXX XXXX. XXXX guarantees that we will NOT increase your monthly payment, unless given your express consent. Your monthly payment will be fixed throughout the lifetime of your account. However, changes to your Online Search Phrase(s), at your request, may be subject to rate changes and additional phrases will be subject to the then current rate even if it is different from the rate for current phrases you may have.\n\nFurther any further details regarding your account can be answered by emailing us at XXXX or calling XXXX XXXX during our business hours.\nLicenses:\nYou hereby grant XXXX non-exclusive, irrevocable, royalty-free, worldwide license under all copyrights, trademarks, patents, trade secrets, privacy and publicity rights and other intellectual property rights you own or control, if needed, in order to direct traffic to your website through the Online Search Phrases.\nGeneral Terms:\nAuthority to Bind: No employee or specialist of XXXX XXXX. or any of its divisions are authorized to offer or agree to any binding agreement with another party by email without the approval of an Account Manager. Governing Law: This Contract is made and shall be construed and performed under the laws of the State of Oregon without giving effect to choice of law principles. The parties agree that exclusive jurisdiction and venue for any action hereunder shall lie in the Circuit Court of Oregon, XXXX County.\nWaiver:\nFailure to insist upon strict compliance with any term or condition of this Contract shall not constitute a waiver of such term or condition, nor shall any waiver or relinquishment of any right or power under this Contract at any one or more times be deemed a waiver of relinquishment of such right or power at any other time. If you have questions on your account, please email us at XXXX or call XXXX XXXX during our business hours.\nXXXX XXXX. Cancellation Policy & Payment:\nIt is your responsibility to update XXXX with any and all changes to your customer information, including but not limited to, your personal and professional contact information, your subscribed website address, and your payment information. If your payment fails for any reason, your campaign may remain online for up to 30 days as we attempt to contact you to collect updated payment information. This does not negate your obligation to pay any and all monies owed to XXXX. If your account is not brought current within 30 days we have the right to immediately turn off all of your marketing and turn your account over to a collections agency.\nPLEASE NOTE:\nAll cancellation requests must be submitted to XXXX OR by calling XXXX XXXX\nAll cancellation requests MUST be received at least three (3) business days prior to the monthly anniversary date. If notice of cancellation is not given within said time frame, XXXX cannot prevent an automatic charge to the account and therefore you will be charged for an additional month.\nXXXX XXXX. Client Services\nXXXX\nXXXX\nXXXX \nXXXX\n\n*********************************************************************\n*********************************************************************\n\nXXXX \nTransaction Receipt from XXXX  XXXX. for $XXXX (USD)\nInbox\tx\n \nAuto-Receipt \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWELCOME TO XXXX!\nMake sure to print a copy of this receipt for your records. As a new XXXX client, we are excited to get to work on promoting your business! Please stay tuned. Soon you will receive emails notifying you of our progress on creating your XXXX XXXX campaign. If you have any questions, concerns or comments please feel free to reach out to our client service dept. \nOrder Information\nDescription:\tGoods or Services\nInvoice Number \tXXXX\nCustomer ID \tXXXX\n\t\n\n________________________________________\nBilling Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX\nUS\nXXXX \nShipping Information \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX\nUS\n________________________________________\nTotal:\t\t$XXXX (USD)\n\n\nPayment Information\nDate/Time:\tXX/XX/XXXX XXXX PDT\nTransaction ID:\tXXXX\nPayment Method:\tXXXX XXXX\nTransaction Type:\tPurchase\nAuth Code:\tXXXX\n\t\n\n\nMerchant Contact Information\nXXXX XXXX.\nXXXX, OR 97005\nUS\nXXXX XXXX XXXX. Client Services XXXX or XXXX  XXXX\n\n\n \nXXXX XXXX \n\tXX/XX/XXXX\n \t\t \n \nto XXXX XXXX  XXXX - The Active Agent\nREALTOR | XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX | XXXX XXXX XXXX | Each Office Is Independently Owned And Operated\n\n*********************************************************************\n*********************************************************************\nXXXX \nYour Exclusive XXXX XXXX  Positions (Action Required)\nInbox\tx\n  XXXX this?   XX/XX/XXXX XXXX.  \n \nXXXX XXXX. \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n \nBe careful with this message. It contains content that's typically used to steal personal information. Learn more\nReport this suspicious message   Ignore, I trust this message\n \nCongratulations XXXX XXXX  your XXXX XXXX positions are now LIVE and ready for new clients to see! \nREQUIRED ACTION. CLICK THE LINK BELOW TO ACCEPT XXXX XXXX. TERMS AND CONDITIONS. \nXXXX  \nXXXX requires clients to have terms and conditions completed within 5 days of this email or XXXX will pause all active accounts until submitted. Terms and conditions takes just a few moments of your time. In the best interest of your advertising needs, we suggest that you complete it after you are finished reading this email. \n\n***GOING TO XXXX DOES NOT ACTIVATE YOUR ONLINE ADS. THIS INFORMATION IS PROVIDED TO OUR CLIENTS TO ENSURE THEY UNDERSTAND OUR TERMS, CONDITIONS AND CANCELLATION POLICIES. \n\nAlthough your ad campaign has been launched it may take a few hours to get your ads into the correct position. \n\nYour exclusive ONLINE search phrases are listed down below.\n------ IMPORTANT NOTICE! ------\n\n---- PLEASE DO NOT CLICK ON YOUR OWN ADS ----\n\n---- THIS NEGATIVELY IMPACTS CONVERSION TRACKING DATA ON YOUR ACCOUNT ----\nClicking on your ads is for new clients only. This will ensure the statistics on your account are always as accurate as possible.\nXXXX will flag accounts that are repeatedly clicked on by the same person or computer. This is to protect your ads from people who are not serious about your business.\nIf you consistently search the search terms from your computer XXXX will show you different results. After searching your ad over and over if your ad is not appearing to you, simply wait for an hour and it will appear again.\nNOTE: We monitor your ad campaign activity 24 hours a day, 7 days a week to ensure maximum exposure on XXXX.\nYou may contact a Customer Service Representative Monday-Friday to show and walk you through your placements live on XXXX. Contact information below. Any additional questions you have may be answered at that time. Any changes you wish to make to your ad(s), phrase(s), or personalization may be done free of charge.\nYour exclusive XXXX Ad Campaign search terms are as follows:\nTo see your AD(s) simply click the link(s) below.\nXXXX\nreal estate encinitas ca\ncarlsbad ca homes for sale\n\nOr if you prefer, follow these steps:\n1.\tNavigate to XXXX\n2.\tType your SEARCH TERM as shown above into the XXXX search box and submit the form if necessary.\n3.\tYou should see your AD. If not, it may be necessary to wait a day while XXXX reviews and approves your new AD.\n4.\tIf you still can not see your AD, please see XXXX AND/OR contact us at XXXX\nThank you for your business, we look forward to promoting your business to its peak!\nXXXX XXXX. Client Services XXXX\nXXXX \nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nXXXX \nPLEASE READ : XXXX XXXX. CLIENT HANDBOOK\nInbox\tx\n \nXXXX XXXX. \n\t XX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWelcome Again To\n The XXXX Team!\n\n Attached to this email is the CLIENT HANDBOOK. It is attached as a pdf file. This handbook will help give you a better understanding as to how the advertising works and what we can do to better the service. If you need help with the client handbook or want to make adjustments to your account, please contact the number listed below. We are excited to see where our service takes you and your business! Let's take your business to it's peak!\n\n\n\nThank you from all of \nus at XXXX!\n\nIf you need assistance \nCALL : XXXX XXXX XXXX  XXXX Attachments area\n*********************************************************************\n*********************************************************************\nTHIS IS THE E-MAIL THAT PROVES I CANCELLED WITHIN THE TIME ALLOWED BY XXXX INC:\n\nXXXX XXXX XXXX cancellation.\nInbox\tx\n \nXXXX via XXXX \n\n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\nWe're sorry to see you go. Notice has been sent to our client services department and a copy has been emailed to you. You will be contacted to verify the cancellation of your advertising with XXXX.\n\nName: XXXX XXXX\nEmail: XXXX\nLast 4:XXXX IP: XXXX\n\n - - - COMMENT - - -\nNo results.\n\n\n*********************************************************************\n*********************************************************************\nXXXX\nWe Are Sorry To See You Go!-(XXXX XXXX.)\nInbox\tx\n \nXXXX \n\tXX/XX/XXXX\n \t\t \n \nto me\n \n\t\n                              \n                                                      \n\n\n\nHi XXXX,\n\nThank you for doing business with us! We are sad to see you go! We value every client that gives us an opportunity to earn their business.  Please call the number below or email a good time we can reach you. We want to ensure that we are providing the best possible service month in and month out. We have some new features to improve the presence of your campaign that not everyone has at the moment.  We are pretty excited about it! We also want to get any feedback to help better our service for the future. Look forward to speaking with You! \n\nThanks, \nXXXX XXXX.\nCustomer Loyalty Dept.\nXXXX\nXXXX XXXX \n\n*********************************************************************\n*********************************************************************\nThe totality of communication between XXXX Inc and me was done through two media; E-mail and telephone. I've supplied all the E-mail, and I have only the times of phone calls recorded on my cell phone in case anyone needs that information.\n\nIts possible that someone at XXXX XXXX overlooked the XX/XX/XXXX communication, and that might have led to my case being marked Late Cancellation or some sort of thing.  Short of that, it appears that XXXX  XXXX is intentionally stealing money from me, using Capital One as a tool.\n*********************************************************************\n*********************************************************************","date_sent_to_company":"2017-12-19T23:28:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92069","tags":null,"has_narrative":true,"complaint_id":"2760130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-12-19T19:02:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We look <em>forward</em> to promoting your business to its peak!"]},"sort":[7.861582,"2760130"]},{"_index":"complaint-public-v1","_id":"14369012","_score":7.430358,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Summary of XXXXTestimony\\nXXXX Testimony \\n\\nXXXX XXXX XXXX XXXX  contacted me and offered me to work full/part time online position and earn XXXX. Requirements US citizen or Permanent Resident age XXXX XXXX XXXX XXXX XXXX contacted me and mentioned that I can earn at least XXXX  a month steadily and she even mentioned She said that it is a flexible online remote work working hours are XXXX XXXX XXXX She said that I can get paid from XXXX XXXX XXXX XXXX  She said that XXXX XXXX XXXX XXXX XXXX XXXX where app developers publish their apps on XXXX XXXX XXXXm. The company has XXXX XXXX  that helps apps generate data and traffic. She said that Our job responsibilities: Like apps published by app developers on the XXXX XXXX every day to increase the apps ratings, ranking exposure and purchases, just like we usually do on XXXX XXXX XXXX they need Get more views and likes to attract more followers She also said that I have a great part-time online job to share with you. All you need is a phone or computer to start this job right away, and our hours are XXXX XXXX XXXX XXXX, but you can start anytime during that time. Once you get familiar with the job, it only takes about XXXX XXXX XXXX  minutes per day. Once the job is completed, you will be paid immediately and the money will be withdrawn to your bank account. Daily pay ranges from XXXX XXXX XXXX XXXX  salary is divided into basic salary and commission Basic salary: complete 2 sets of tasks every day -5 consecutive days, you will get a basic salary of XXXX -15 consecutive days, you will get a basic salary of XXXX XXXX consecutive days, you will get a basic salary of XXXX So the monthly salary is XXXX which is a fixed salary Daily commission Complete 2 sets of data calculations every day, and you can withdraw the commission earned on that day First, I can walk you through the process with a training account, and then you can learn more about the company, how we upload data, and how we make money from it so you can understand it better. Do you have an hour or so for training now? And I said Yes I am available now OK. I will send you the XXXX XXXX here is the link, you can take a look. But as a user of the data provider, you need to register a user account with your phone number, okay? Registration is free, but it will not infringe on your privacy XXXX Invitation code:XXXX After registration, send me the invitation code and I will register a training account for you and start training I said Maam i just copied the invitation code that you sent me. Invitation code:XXXX  I am on the dashboard already Maam. She said When you log in to your work account, click the \"Profile\" button in the lower right corner of the page Then find your invitation code at the top of the page and click the \"Copy\" button to copy your invitation code to me XXXX  : Invitation Code XXXX I will apply to register a training account for you now, please wait Done I have registered a training account for you, please log out of your account now and then log in to your training account to start your training plan Username: XXXX XXXX After logging in, please take a screenshot and send it to me, and I will guide you step by step. I said I am logged in using my XXXX  Maam. My XXXX  is on my phone. I just took a XXXX XXXX XXXX XXXX XXXXXXXX Maam Yes, the balance is correct and there is a XXXX  bonus for every new account you sign up. Then I use XXXX as a starter fund for training and after you complete the training you get 20% of the commissions earned from this account There are 2 types on the work platform 1.Normal package: XXXX  commission 2.Combination package: commission is 10 times of the normal package, that is 5%. I said It is saying the balance is insufficient and it is not letting me proceed from XXXX Maam She said Wow! You\\'re so lucky you came across the combo package, thanks to your luck we\\'ll get XXXX XXXX! Here are two application tasks \"Pending\" and \"Submit Now\", this is a combined task phenomenon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, compared with all \"Completed\" application tasks XXXX XXXX\", the commission is 10 times more, see it? This is a random package containing 1-3 applications. When we get a package application, its data value exceeds my balance, resulting in insufficient balance, so we need to replenish the balance to complete it. But the probability of it appearing is relatively low because its commission is 10 times that of a normal package, so it\\'s a lucky package randomized by the system. Please wait a moment, I need to deposit now because this is the account I registered, I will notify you when the deposit is completed. Done. I deposited the money into the training account. The system updated the account balance. Now go to the record, click Submit Unfinished Tasks, and continue to complete XXXX tasks. Once the submission is completed, all funds will be returned to the entrusted account, and then continue to execute the remaining tasks. Please notify me when XXXXXXXX tasks are completed I have a little surprise for you. Please log out of your training account, log in to your account, and send me a screenshot of your balance. Maam I am not able to log in to my account. You forgot your username? You can try using your phone number Username: Enter your phone number Click the marked location to contact XXXX  to retrieve your username Send me a screenshot  Congratulations! This is the commission you earn for completing tasks on your training account. This is what you deserve  This is the process of optimizing your application and uploading your data. You can now complete XXXX optimization tasks in your account. I am logging into my training account to withdraw money, when you complete a set of tasks please let me know and I will tell you how to withdraw money from your account and unlock the next set of tasks. You did very well! You just earned another XXXX XXXX XXXX XXXX XXXX Now do you understand how to make money from this job task? Although it seems that we are just \"clicking\" a task, we are already paying for it, so it can increase the purchase and exposure of the application, downloads, reviews, etc., and then improve its ranking in the app store. This helps to generate data and traffic, which in turn improves the ranking of XXXX XXXX XXXX, and even increases company stocks, attracting more users to download and use. Do you have XXXX XXXX? Please open your XXXX XXXX and send me a screenshot I will now teach you how to use XXXX XXXX to link your work account This way you can receive your salary and commission through XXXX XXXX Is the money cryptocurrency Maam? Yes This is due to the first time you use the XXXX XXXX XXXX XXXX XXXX So XXXX XXXX needs to conduct real-name authentication with you You only need to fill in the relevant content according to the prompts and complete the real-name authentication Usually within 30 minutes Open XXXX XXXX and send me a screenshot. I will guide you. After completing the withdrawal, just wait patiently for the money to arrive in your XXXX XXXX Due to the slow XXXX XXXX it will take about 10-30 minutes for the money to arrive in your XXXX XXXX After we finish work every day, we need to withdraw all the balance in our work account. Otherwise, the system will think that the account is operated by AI. This is prohibited by the company When the money arrives in your XXXX XXXX, you notify me and I will teach you how to convert XXXX XXXXnto cash and deposit it into your bank account You have successfully been trained and earned commissions You can reset the task today, continue to complete 2 sets of XXXX XXXX, and earn another commission And when you complete the 2 sets of XXXX XXXX after the reset task, you will become a formal employee of the company. If you keep working every day, you can receive a salary of XXXX XXXX XXXX XXXX XXXX Do you want to reset the mission now? Now I will teach you how to reset the task. Resetting the task is very simple. The only requirement is that you need to have at least XXXX XXXX in your work account Its actually very simple, you just need to buy XXXX worth of XXXX XXXX XXXX XXXX and send it to your work account, so that the XXXX will be automatically converted into XXXX  After completing 2 sets of XXXX you can get XXXX and withdraw it to your XXXX XXXX Add money Enter XXXX  Open your work account and contact XXXX to get today\\'s XXXX address XXXX Paste the address given to you by XXXX into To Click the arrow to confirm. Then click Next Send me a screenshot Continue taking screenshots Send this successful delivery certificate to XXXX  for review Yes, awaiting review XXXX This is your XXXX XXXX XXXX XXXX, send it to XXXX and you can start your XXXX XXXX XXXX  mission Since I am your referral, your reset code will be sent to my email in the first week, and then I will forward it to you. After 1 week, you can apply to have the reset code sent to your XXXX  This also helps to establish a closer connection between the referrer and the new employee, enabling timely resolution of any questions Now you can go and do your first set of XXXX. Let me know when you are done. Refresh XXXX  This is your second set of reset codes. Tell me when you are done and I will guide you to withdraw your funds Wait patiently for the funds to arrive in your XXXX XXXX Let me know when your funds arrive By the way, we have a discussion group where we often discuss and share details about this work. Now I would like to invite you to join so that when I dont reply to your message in time, you can directly ask for help in the discussion group XXXXXXXX This is the link to our group. Click on it to enter our group Once you are in the group, I will introduce you to them. I believe they can help you when you need it Today is your first day of registration. For 5 consecutive days, you will receive XXXX XXXX. The commission earned today is not much, but in the coming work I will show you ways to earn more You have been successfully employed by the company and I hope you will appreciate the job. Yes Maam , I appreciate the job  Because it\\'s a job where you can make XXXX a month. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in debt from the epidemic until I got this job and I paid off my debt and improved my life and my XXXX XXXX. Tomorrow I will teach you how to get more commissions and teach you the other rules of the platform Wow Maam i am a XXXX XXXX XXXX. I have an XXXX XXXX now Maam. Am looking forward to make XXXX  a month with this job Maam. Yes this job is to improve the quality of our lives and our XXXX XXXX Maam. Yes Maam. I am so excited. You are heaven sent Maam  I know the difficulties of being a XXXX XXXX I will definitely help you make more money Hi Maam I can start work now Maam Thank you very much  We\\'ve been talking about work, so let me formally introduce myself  My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX platform is a data promotion platform that cooperates with XXXX  companies strategically. We help XXXX improve data, increase XXXX popularity and exposure, attract more users to download, and we earn commissions and wages In the Internet era, traffic is the highest value. Many companies choose to increase exposure through advertising and obtain huge amounts of data traffic. Application promotion is a new way to obtain traffic. Application promotion can increase a company\\'s exposure, ratings, and purchases, which is very important for the company and can even drive up the company\\'s stock price. This is why our commission comes from cooperation with application companies We do the same thing, helping application developers promote their software so that more people can use it or even buy it. In fact, this is the same purpose as us earning advertising fees So we\\'re really relying on traffic to earn commissions You used XXXX  to reset your job, and today you deposited XXXX The more funds we have in our account, the more commissions we earn. If you encounter a combination package, you will get 10 times the commission So both funds and combined packages will allow us to earn more commissions Yes, it requires some luck, the combination packages appear randomly and we cannot predict them Dear, you have been signed in for five consecutive days can get XXXX  basic salary, you can immediately withdraw the earned salary, or you can leave the salary in the work account to continue to earn commissions! Since your debit card is limited, I suggest you use XXXX wire transfer Open your XXXX XXXX and I will guide you through it We can try the XXXX XXXX Using XXXX XXXX XXXX  I don\\'t think this will work, let\\'s try a wire transfer and it will be done tomorrow Still not working Let\\'s choose wire transfer, it will save us a lot of time Open your XXXX account Open your online banking app Follow the information from XXXX  to complete the wire transfer correctly Many banks in the United States are not very friendly to XXXX Because it can affect the bank\\'s interests. So banks don\\'t like it when people buy it. Banks usually ask you why you want to buy cryptocurrency. You tell the bank that you are a trader of some XXXX and that you have been following the market lately. You want to invest some XXXX  in your XXXX XXXX XXXX XXXX XXXX allows people to buy and hold BTC. banks just don\\'t like it Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Dear, don\\'t worry, XXXX  is safe. You just need to tell the bank that you need to buy XXXX  for investment. I don\\'t recommend you to tell the bank that you are for work. If you say it is for work, it will be difficult for us to pass it smoothly. You just need to tell the bank that you are a cryptocurrency investor and you just use it to buy Bitcoin. If the bank asks you who recommended you to use this XXXX, you need to say that you saw it on XXXX You have also carefully studied this exchange. It is a formal exchange Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Open your online banking app XXXX XXXX for the bank to deduct the money The bank will call you to confirm You only need to answer to buy BTC It\\'s okay, we can apply for reimbursement of the handling fee OMG, you will get a big commission Have you read the platform\\'s announcement The maximum number of encounters per person is XXXX. This is really rare. I think it\\'s a sales tactic of the merchants Each person will encounter a maximum of XXXX . That\\'s the limit Open the task and give me a screenshot After completing the last package, you can withdraw approximately XXXX Yes, it will cost about XXXX Yes, this is our last package, once it is completed we can withdraw all funds You will receive a large commission XXXX let me know when you are ready and I will guide you through the wire transfer Because you still have 5 orders to complete, your account funds will continue to allow you to make some money. When you complete all the tasks, you can withdraw about XXXX This is our last package. The system clearly stipulates that we have the opportunity to encounter XXXX packages every day. Completing this package means the end I want you to assure me that our work is legal. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I will not do anything illegal No, this is our last combo package, we won\\'t be seeing the next one We can wire to XXXX account This is our third combined package. The system clearly stipulates that we can only encounter 3 at most. I have also encountered 3 combined packages Maam they will charge me a penalty Maam for getting the CD prematurely Maam it should have matured this XXXXt Maam Maam there is a penalty of XXXX cents Maam It might take to 1 Bussiness day Maam How much should i wire Maam?  Approximately XXXX Maam i spent XXXX XXXX on the wire transfer from XXXX to bank of america  at their office Maam plus XXXX XXXX Maam today then I spent another XXXX XXXX for the wire from bofa to XXXX XXXX Maam  Hope and pray we get our commisions today Maam  You can get the joy of commission immediately  Maam another combo What? How is this possible? You will never come across a combo pack again. I need to confirm. You encountered three combo packages. This is the fourth one, right? Please wait a moment. Let me check our chat history. I checked and found that you encountered one combination package in the first set of optimization tasks and three combination packages in the second set of optimization tasks, so the two sets together have four combination packages. You need to contact XXXX now and tell XXXX that you have encountered three combination packages. Why is there a fourth combination package? This is a system error. Please check it out. I need to go to a group for help now. I have never encountered such a problem before. Maybe a group can help us. Yes, we all misunderstood. What we are facing now is the last combination package in the true sense. Dear, the platform cannot provide loans. We can only solve the funding problem by ourselves.  Dear, if you have enough funds, I think it is very worthwhile to be happy because you will once again receive XXXX XXXXommission income, which is very considerable. Because buying cryptocurrency requires some fees, you need XXXX  Because you got another combination package, you got another XXXX XXXX  commission bonus. Dear, I can help you solve your work problems, but I really don\\'t know any better suggestions for you on the financial issues. You can earn XXXX commission income from this package After you finish you can withdraw XXXX The equivalent value of XXXX XXXX  is the same as that of USD, which is XXXX XXXX Dear, if you apply for a loan, you can\\'t say you\\'re using it for work. You can probably say you need to buy a big item or do some home improvements. Buying a big-ticket item or making home improvements You can try to get a loan for your mothers house renovation Dear, this is just an excuse. When your loan is successfully completed, you can withdraw all the funds and get a very considerable commission income. But after you withdraw all the funds, you can immediately return the loan funds. Dear, this is something you can only explain based on your personal situation. I can\\'t give you any better advice. Can i say it because of XXXX Maam? Or they will not accept it Maam? Dear, you must not say that. The bank will never agree to that. I think it is safer to apply for a personal loan I think it is safer to apply for a personal loan When you\\'re done, you can return it immediately. You can try it here first. If it doesn\\'t work, then we can only try to apply for a loan with XXXX XXXX Will your mother lend you money? You can wait for the result. If the application is not approved, we may have to borrow money from your mother. Dear, please dont rush, we are waiting for the result of your loan application first When you are familiar with this job, you can become a referral like me, you can invite your friends or family to join this job, you can earn more commission Dear, since we are part-time employees, the work we receive is all after-tax wages and no tax is required. You don\\'t need to file a tax return because your salary and commission are after-tax. God is with us Amen  Our work is real and legal. You can directly tell your mother how we work. Your account can only be used by you. The company will not admit that anyone other than you uses your account to work. You can tell your mother that when you become a referral, you will invite them to join this job Everyone has no knowledge of areas that they have not covered. We can understand this, which will only add some difficulties to us, but I believe that we will complete it well I suggest you apply for a short-term loan from the bank I understand. I have XXXX in my account. I can lend it to you first, but you have to promise me that you will pay me back immediately after you finish the work Yes, the combination package is determined by the funds in our account. The more funds we have, the more negative balances we will encounter in the combination packages It may take us longer to raise funds, but when we are done, the commission we will get is huge We need to try. If the bank cannot approve the loan, then we need to think of other ways This is normal because your mother has never been involved in this industry and what we are working on now is also a new industry. Many people dont understand it and many people will think it is a scam. XXXX  from the team agreed to lend us XXXX, and I promised to return it to him as soon as I finished it My brother agreed to lend us XXXX, but he will give it to me by the XXXX, so we can finish the work tomorrow If your funds arrive tomorrow, we can complete the wire transfer first, and I will also deposit my money into your account, which will keep your account active. We can continue to apply for a one-day extension. On the XXXX, my brother will give me the money, and I can make up the negative balance, and we can complete all the work Dear, don\\'t worry, we will get all the money back after we finish the work. I want you to promise that this is our last package. I will guide you to withdraw the money after it is completed. XXXX XXXX XXXX XXXX XXXX Money is very important to me. I can\\'t joke with my money. Please believe me, just like I believe that you will return the money to me after the work is completed. We will succeed soon. I will have my funds ready at XXXX XXXX Dear, don\\'t worry, we will finish the work soon and get all the money back, we can all earn commissions, I will always guide you to earn more commissions, we will slowly improve our lives in the future, believe me About XXXX  What is third-party top-up? Now you contact XXXX and tell them that this is the first time we\\'ve done this and please don\\'t freeze the account, because if you do, we\\'ll lose everything, and we\\'ll still have a chance to verify the XXXX I\\'ve never lent money to anyone, so I don\\'t know anything about XXXX XXXX XXXX and I\\'m sorry my ignorance has cost you money  I\\'m praying to God not to freeze our account  I don\\'t know. I\\'m also very nervous. I\\'ve never helped anyone before. You\\'re the XXXX XXXX I\\'ve helped.  Open your work account and send me a screenshot. I will guide you to find it. God bless the platform did not freeze your account But we are facing a big problem: we need to verify our XXXX XXXX XXXX XXXX XXXX verification is required, which is XXXX XXXX  No dear, all my funds have been used to help you. We have no more funds.  All my funds are in your account, and some of them are borrowed by me, not mine.  Dear, we all need to get our money back, but we violated the platform terms and conditions and we need to complete the XXXX verification plan before we can withdraw the money That\\'s why we need to complete the XXXX XXXX and withdraw the money as soon as possible. XXXX has contacted me to pay back the money. If I don\\'t pay him back within 2 days, I need to pay him interest I have no more money to help you. You need to find a way to complete the work and verify the funds. Once we complete the withdrawal, we can return everyone\\'s money DearXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The money I lent you was also borrowed from others. Like you, I am also an employee of this company. We can only get our money back after completing the XXXX XXXX according to the company\\'s requirements I want our money back too, you have my money in your account Dear, because many criminals imitate our company and I have been cheated before, so for the safety of our funds, the company does not allow us to cooperate with other companies. This is also why the company does not allow us to do other similar work. I have worked in this company for more than a year and have never seen anyone lose a XXXX in this company. Your funds are safe in your account, and my money is also in your account. If I don\\'t trust the company, I won\\'t use so much money to help you. We have to find a way to complete the XXXX XXXX as soon as possible and get the funds backXXXX XXXX  and my brother have asked me to pay back the money Dear, we can end this job as long as we complete the XXXX XXXX. I am also trying to find a way to pay back XXXX  and my brother, because if I don\\'t pay them back, I need to pay the interest Dear, we cannot withdraw money before the XXXX XXXX XXXXs completed. I also urgently need to pay back my money to others. I know you are under a lot of pressure. I haven\\'t mentioned these things yet, but others have already asked me to pay back the money I\\'m also under a lot of pressure right now. XXXX called me today and asked me about money. Dear, I am sad to hear this news, but I am an employee of this company just like you, we didnt complete the work, we cant withdraw the money Dear, I am the same as you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in your account, I also want to get my money back, we did not complete the work, we can not withdraw the money I hope you can find a way to finish the job and pay me back XXXX  XXXX XXXX  Your account was detected as a XXXXXXXX XXXX and your withdrawal request was denied. Please cooperate with XXXX  to investigate the source of the third party funds. Hello. The platform doesn\\'t allow XXXX XXXX. You\\'re violating the platform\\'s anti-money laundering regulations. Hello, the system has detected that you have XXXX XXXX from a third party recharge Please cooperate with XXXX in investigating the origin of the funds Hello, please provide your ID card ID and recharge address and your recommenders ID card ID and recharge address. You also need your recharge address and your recommenders ID and recharge address Hello, your account by the system audit, your account violates the provisions of the platform, anti-money laundering law, suspected of money laundering, the need for your account to carry out XXXX XXXX  Eliminate security risks. Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX. The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX Hello The platform does not allow any third-party recharge Given that you are a new member of the platform before allowing you to verify your XXXX XXXXe This is already the biggest help to you Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX. Hello, it cannot be deducted from the account balance. You need to recharge your account with XXXX XXXX. After completing the XXXX XXXX, you can withdraw the funds in the account in full. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX you can withdraw the full amount of funds in your account. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. You only need to top up XXXX XXXX to your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. Please complete the XXXX XXXX as soon as possible. After completing the XXXXXXXX XXXX you can withdraw XXXX Hello, according to company regulations, you have now officially joined this job. Our company automatically identifies your mobile phone number through XXXX XXXX so you can no longer participate in other online app promotion work to prevent the leakage of company operation information. After all, there are a large number of app promotion companies in the world, and the operation methods and business competition are very fierce. If you participate in other online work, the company platform will automatically identify it, which means that your work account will be automatically blocked by the company platform. XXXX, you can only work in our company XXXX please complete the XXXX XXXX as soon as possible XXXX you can withdraw XXXX after completing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company does not have telephone service at the moment. Yes, because the company signed a confidentiality agreement, so the company address cannot be used. This is the address of the department manager. XXXX, the company does not have telephone service at the moment. XXXX please complete the XXXX XXXX as soon as possible to withdraw the funds in your account\\n\\n\\nTerms & Conditions\\nTerms & Conditions\\n\\n\\nI. XXXX XXXX XXXX) The minimum reset amount for enhancing XXXX XXXX XXXX XXXX  Once 2 sets of XXXX XXXX have been completed, the user must withdraw all amount and receive the withdrawal amount before the account is requested to reset.\\n1.3) Contact our online service to reset your account after completed XXXX XXXX XXXX XXXX) Full withdrawal can be requested after completing tw of America due to negligence.\\n\\nI already sent XXXX,Florida Atty general IC3 what happened. I have all our text messages. Please kindly help me  . I lost estimated XXXX XXXX XXXX. Time is of essence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not even own a car. \\n\\n\\n\\t1.\\tFailure to Detect or Prevent Fraudulent Activity? The scammers BoA account showed suspicious activity (e.g., large sudden transfers but BoA failed to freeze or investigate it.\\n\\t\\t-\\tIf the account was newly opened, moved large sums quickly, or had prior fraud reports, BoA could be liable for failing to follow anti-money laundering (AML) regulations.\\n\\n\\t2.\\tFailure to Respond to Recovery \\nRequests of XXXX XXXX Promptly? Once XXXX flagged the transaction as fraud, BoA has a duty to act reasonably.\\n\\t\\t-\\tDelayed response, failure to freeze the account, or ignoring the interbank request could make BoA liable for facilitating further losses.\\n\\n\\t3.\\tAiding and Abetting Fraud? Furthermore, the scammer specifically instructed me to open a Bank of America account and stated that XXXX XXXX is not crypto-friendly. This request was highly unusual and only made sense in hindsight.\\n\\nIt strongly suggests that Bank of America had previously been used by this fraud ring to receive and route stolen funds to crypto platforms (such as XXXX XXXX XXXX XXXX XXXX, with fewer restrictions or detection.\\n\\nThis raises serious questions about:\\n\\t\\t-\\tWhether Bank of America conducted adequate due diligence on the recipient account holder XXXX XXXX XXXX XXXX),\\n\\t\\t-\\tWhether the account had a history of fraud reports, and\\n\\t\\t-\\tWhether the bank allowed continued operation despite red flags, which could constitute negligence or aiding and abetting by omission.\\n\\nI request that Bank of America investigate this matter not only as a one-off fraud, but as part of a possible larger scam network, and disclose any history of suspicious activity'","date_sent_to_company":"2025-07-09T18:32:08.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"34683","tags":null,"has_narrative":true,"complaint_id":"14369012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-30T16:40:31.000Z","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":["Tomorrow I will teach you how to get more commissions and teach you the <em>other</em> rules of the platform Wow Maam i am a XXXX XXXX XXXX. I have an XXXX XXXX now Maam. Am looking <em>forward</em> to make XXXX  a month with this job Maam. Yes this job is to improve the quality of our lives and our XXXX XXXX Maam. Yes Maam. I am so excited."]},"sort":[7.430358,"14369012"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35}]}},"product":{"doc_count":35,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":8},{"key":"Medical debt","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":5},{"key":"Virtual currency","doc_count":2}]}},{"key":"Mortgage","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"FHA 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