{"took":103,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7788518","_score":18.08291,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**CFPB Complaint** **Date : ** XX/XX/2023 **Complainant : ** **Name : XXXX XXXX XXXX XXXX **Respondent : ** First XXXX XXXX **Allegations : ** Misrepresentation, Non-Disclosure, Consumer Rights Violations, Breach of Contract, and Interference to Benefit from Proceeds **Narrative : ** XXXX XXXXXXXX XXXX has misrepresented the terms of its credit accounts, failed to disclose important information to consumers, violated consumer rights, breached contracts, and interfered with the ability of consumers to benefit from proceeds. \n\nSpecifically, XXXX XXXX has : * Set limits on open-end credit accounts, which is a misrepresentation of the terms of the account. \n* Reported false and misleading credit transactions to reporting agencies. \n* Changed the terms of contracts to benefit itself and interfere with the ability of consumers to benefit from proceeds. \n\nThese deceptive acts have caused significant harm to consumers, including damage to their credit scores, difficulty obtaining new credit, and homelessness. \n\nI am requesting that XXXX XXXX provide forensic analysis of accounting that is authentic and signed under notary seal by a company official. I am also requesting that XXXX XXXX provide all paperwork, accounting, all files, or any legal documentation representing the account. \n\nI have requested validation materials from Experian to prove that both Experian and XXXX XXXX have fabricated, defamed, and slandered my creditworthiness. This has caused me hardship and homelessness.","date_sent_to_company":"2023-11-01T07:55:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"924XX","tags":null,"has_narrative":true,"complaint_id":"7788518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-01T07:55:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["**CFPB <em>Complaint</em>** **Date : ** <em>XX/XX</em>/2023 **<em>Complainant</em> : ** **<em>Name</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> **Respondent : ** First <em>XXXX</em> <em>XXXX</em> **Allegations : ** Misrepresentation, Non-Disclosure, Consumer Rights Violations, Breach of Contract, and Interference to Benefit from Proceeds **<em>Narrative</em> : ** <em>XXXX</em> XXXXXXXX <em>XXXX</em> has misrepresented the terms of its credit accounts, failed to disclose important information to consumers, violated consumer rights, breached contracts, and interfered with the ability of consumers"]},"sort":[18.08291,"7788518"]},{"_index":"complaint-public-v1","_id":"15430215","_score":16.9412,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Md XXXX Phone : XXXX Email : XXXX Company Complained About : XXXX XXXX XXXX XXXX XXXX XXXX Loan / Repossession Complaint Narrative : I am filing this complaint against XXXX XXXX XXXX for inaccurate, incomplete, and misleading reporting of a repossession on my credit report. XXXX XXXX XXXX has failed to provide proper validation of this account and failed to comply with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which requires creditors to provide clear and accurate disclosures of credit terms. I have requested validation, including original signed agreements, payment history, and proof of compliance with federal disclosure requirements, but XXXX XXXX XXXX has not provided such documentation. Additionally, this repossession is being reported to the credit reporting agencies without proper verification in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Information that can not be verified must be corrected or deleted, yet XXXX XXXX XXXX continues to report this item. What I Am Requesting : 1. Validation of the alleged debt, including complete documentation, repossession records, and proof ofcompliance with 15 U.S.C. 1601. 2. If XXXX XXXX XXXX can not provide this, I request that the repossession entry be deletedfrom all consumer reporting agencies. XXXX. Correction of my credit reports to reflect only verified, accurate, and legally compliant information. This inaccurate repossession reporting has caused significant harm to my credit and financial opportunities. I am requesting the CFPBs assistance to ensure XXXX XXXX XXXX complies with the law and corrects or removes this item. Attachments :","date_sent_to_company":"2025-08-21T23:43:26.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"21206","tags":null,"has_narrative":true,"complaint_id":"15430215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T23:35:28.000Z","state":"MD","company_public_response":null,"sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["<em>Complainant</em> Information : <em>Name</em> : <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Md <em>XXXX</em> Phone : <em>XXXX</em> Email : <em>XXXX</em> Company Complained About : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Loan / Repossession <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for inaccurate, incomplete, and misleading reporting of a repossession on my credit report."]},"sort":[16.9412,"15430215"]},{"_index":"complaint-public-v1","_id":"14559002","_score":15.690884,"_source":{"product":"Debt collection","complaint_what_happened":"Complainant Name : XXXX XXXX XXXX of Complaint : XX/XX/year> Subject : Aggressive, Threatening, and Unlawful Debt Collection Conduct by XXXX XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX Original Creditor : Balance Credit Complaint Narrative : I am filing this complaint to formally report XXXX XXXX XXXX XXXX for unlawful, abusive, and threatening debt collection practices that I believe violate multiple federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act. \n\nXXXX XXXX XXXX XXXX has contacted me regarding a debt originally owed to Balance Credit, which is currently being handled through a debt resolution program administered by XXXX XXXX XXXX my authorized and legally recognized representative. Despite this : XXXX XXXX XXXX XXXX has repeatedly contacted me directly, fully aware that I am represented by a debt relief firm. \n\nTheir communications have been intimidating and threatening, including references to potential legal action, without any supporting documentation, court filings, or lawful validation of the debt. \n\nThey have not provided proper debt verification in accordance with the FDCPA, despite my right to dispute the validity of the debt and demand proof. \n\nTheir actions appear to be part of a calculated effort to bypass lawful consumer protections and pressure payment through fear and confusion. \n\nThese tactics are not only unprofessional and aggressive, but they may also constitute deceptive and abusive conduct under federal law. They undermine my good-faith efforts to resolve my financial obligations responsibly through a legally authorized debt settlement process. \n\nKey Violations and Concerns : Direct contact despite third-party representation ( FDCPA 805 ( a ) ( 2 ) ).\n\nUse of deceptive, misleading, or threatening language intended to create fear of legal consequences without due process ( FDCPA 807 ).\n\nFailure to provide proper written debt validation notice within 5 days of initial contact ( FDCPA 809 ).\n\nUnfair or unconscionable means to collect or attempt to collect a debt ( FDCPA 808 ).","date_sent_to_company":"2025-07-10T00:31:01.000Z","issue":"Electronic communications","sub_product":"Payday loan debt","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"14559002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Braviant Holdings, LLC","date_received":"2025-07-10T00:30:33.000Z","state":"AR","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["<em>Complainant</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of <em>Complaint</em> : XX/XX/year> Subject : Aggressive, Threatening, and Unlawful Debt Collection Conduct by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Debt Collector : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Original Creditor : Balance Credit <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> to formally report <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for unlawful, abusive, and threatening debt collection practices that I believe violate multiple federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA"]},"sort":[15.690884,"14559002"]},{"_index":"complaint-public-v1","_id":"14558619","_score":15.428256,"_source":{"product":"Debt collection","complaint_what_happened":"Complainant Name : XXXX XXXX XXXX of Complaint : XX/XX/year> Subject : Aggressive, Threatening, and Unlawful Debt Collection Conduct by Asset Recovery Bureau LLC Debt Collector : Asset Recovery Bureau LLC Original Creditor : Balance Credit Complaint Narrative : I am filing this complaint to formally report Asset Recovery Bureau LLC for unlawful, abusive, and threatening debt collection practices that I believe violate multiple federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nAsset Recovery Bureau LLC has contacted me regarding a debt originally owed to Balance Credit, which is currently being handled through a debt resolution program administered by National Debt Relief, my authorized and legally recognized representative. Despite this : Asset Recovery Bureau LLC has repeatedly contacted me directly, fully aware that I am represented by a debt relief firm. \n\nTheir communications have been intimidating and threatening, including references to potential legal action, without any supporting documentation, court filings, or lawful validation of the debt. \n\nThey have not provided proper debt verification in accordance with the FDCPA, despite my right to dispute the validity of the debt and demand proof. \n\nTheir actions appear to be part of a calculated effort to bypass lawful consumer protections and pressure payment through fear and confusion. \n\nThese tactics are not only unprofessional and aggressive, but they may also constitute deceptive and abusive conduct under federal law. They undermine my good-faith efforts to resolve my financial obligations responsibly through a legally authorized debt settlement process.\n\nKey Violations and Concerns : Direct contact despite third-party representation ( FDCPA 805 ( a ) ( 2 ) ). \n\nUse of deceptive, misleading, or threatening language intended to create fear of legal consequences without due process ( FDCPA 807 ).\n\nFailure to provide proper written debt validation notice within 5 days of initial contact ( FDCPA 809 ).\n\nUnfair or unconscionable means to collect or attempt to collect a debt ( FDCPA 808 ).","date_sent_to_company":"2025-07-10T00:31:01.000Z","issue":"Electronic communications","sub_product":"Payday loan debt","zip_code":"72113","tags":null,"has_narrative":true,"complaint_id":"14558619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Recovery Bureau LLC","date_received":"2025-07-10T00:24:14.000Z","state":"AR","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["<em>Complainant</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of <em>Complaint</em> : XX/XX/year> Subject : Aggressive, Threatening, and Unlawful Debt Collection Conduct by Asset Recovery Bureau LLC Debt Collector : Asset Recovery Bureau LLC Original Creditor : Balance Credit <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> to formally report Asset Recovery Bureau LLC for unlawful, abusive, and threatening debt collection practices that I believe violate multiple federal consumer protection laws, including the Fair Debt Collection Practices"]},"sort":[15.428256,"14558619"]},{"_index":"complaint-public-v1","_id":"14644808","_score":14.856305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Regarding False Reporting by Equifax Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern at the Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S. Code 1681i ) , for providing false and misleading information regarding the status of a disputed credit account. \n\nOn XX/XX/XXXX, Equifax issued a letter ( Confirmation XXXX XXXXXXXX ) stating that my dispute regarding the XXXX XXXX XXXX XXXX account ( Account Number ending in XXXX XXXXXXXX ) had been resolved and that the item was no longer reporting on my Equifax credit file. The letter clearly states : XXXX \" >>> THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. \nCompany Name : XXXX XXXX XXXX XXXX '' However, on XX/XX/XXXX, I obtained a new Equifax credit report ( Confirmation XXXX XXXXXXXX ), and it still shows the XXXX XXXX XXXX XXXX account listed as a charge-off with a balance of {$230.00}. The account is marked with narrative codes : XXXX : Consumer Disputes Reinvestigation in Process XXXX : Charged Off Account XXXX : Account Closed by XXXX XXXX XXXX : Consumer Disputes After Resolution This directly contradicts Equifaxs prior written claim and suggests either : 1. Equifax falsely certified that the item was removed, or 2. Equifax reinserted the account without notifying me, which violates FCRA 611 ( a ) ( 5 ) ( B ).\n\nI am therefore requesting the CFPB to investigate this matter and take appropriate enforcement action. Specifically, I request : Permanent deletion of the XXXX XXXX XXXX XXXX account from my Equifax credit file A detailed explanation of the reinvestigation process Equifax used A written assurance that this account will not be reinserted without full legal notice I have attached both the XX/XX/XXXX dispute resolution letter and the XX/XX/XXXX Equifax credit report for your review. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX ---","date_sent_to_company":"2025-07-14T19:34:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"14644808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-14T19:16:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Regarding False Reporting by Equifax Date : XX/XX/<em>XXXX</em> <em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, CA <em>XXXX</em> Phone : ( <em>XXXX</em> ) <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> SSN : <em>XXXX</em> To Whom It May Concern at the Consumer Financial Protection Bureau , I am submitting this formal <em>complaint</em> against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S."]},"sort":[14.856305,"14644808"]},{"_index":"complaint-public-v1","_id":"5944050","_score":14.430203,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a complaint against Barclays Bank Delaware ( address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX, phone number : ( XXXX ) XXXX ). \n\nMy car was damaged in an accident caused by another party which accepted the responsibility. Besides body damage, gasoline leaked from my car due to this accident. The body work was performed at XXXX XXXX XXXX and gasoline leakage was repaired at XXXX XXXX. XXXX XXXX incorrectly reported to the insurance company XXXX XXXX XXXX ) of the other party that gasoline leakage was not related to the accident. So XXXX XXXX refused to pay for its repair. XXXX XXXX also threw away the damaged part despite my prior request, destroying the evidence. XXXX XXXX XXXX refused to release my car unless full payment, including the payment of the bill generated by XXXX XXXX was received. This was a highly asymmetric situation in which XXXX XXXX XXXX had much more control than me. Since my car was used like a hostage by XXXX XXXX XXXX, I had to pay {$610.00} at XXXX XXXX XXXX to get possession of my car. I made this payment using a Barclays credit card. The name of the business on payment receipt is XXXX XXXX, but the payment was for the bill generated by XXXX XXXX. I wanted to dispute the charge of {$610.00} immediately, but Barclays posed many obstacles. Barclays ' policy does not allow the payer to dispute the charge for 15 days after the transaction. Barclays ' online system does not tell how many characters are allowed in the complaint, causing the complainant to waste time on typing, only to see that additional characters can not be entered, and Barclays ' online system also does not allow the complainant to upload documents to support the complaint. So I spent money on printing, photocopying, and mailing for submitting the dispute to Barclays ' address in Delaware. I sent Barclays the violation-notification letter that DATCP ( Department of Agriculture , Trade, and Consumer Protection XXXX Wisconsin ) issed to XXXX XXXX for throwing away the damaged part, and opinions from 5 independent experts showing that gasoline leakage was related to this accident, Barclays ignored all this and conducted a very shallow investigation. Barclays never contacted XXXX XXXX about this. Barclays never contacted XXXX XXXX XXXX ( XXXX ) with the douments that I provided which I am providing again with this narrative, with two more documents. Barclays should permanently remove the charge of {$610.00} from my account. \n\nExplanation of the 6 documents attached : ( 1 ) DATCP-Violation-Letter.pdf ( This is a letter from DATCP to XXXX XXXX confirming violation of a Wisconsin law by XXXX XXXX. ) ( XXXX ) XXXX ( Opinion of 3 independent external experts confirming that the kind of accident my car was in can cause gasoline leakage. ) ( 3 ) XXXX ( A highly respected book on accident investigation confirming that such car accidents can cause gasoline leakage ). \n\n( XXXX ) XXXX ( This page shows that XXXX XXXX told XXXX XXXX insurance that gasoline leakage was not related to the accident. XXXX XXXX denied payment because of this incorrect diagnosis, and Barclays made it impossible for me to quickly dispute the charge. ) ( 5 ) XXXX XXXX Opinion of 4th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) ( XXXX ) XXXX ( Opinion of 5th independent external expert confirming that the kind of accident my car was in can cause gasoline leakage. ) Desired settlement : Refund","date_sent_to_company":"2022-09-02T20:14:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"53211","tags":null,"has_narrative":true,"complaint_id":"5944050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-09-02T19:21:31.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Barclays ' online system does not tell how many characters are allowed in the <em>complaint</em>, causing the <em>complainant</em> to waste time on typing, only to see that additional characters can not be entered, and Barclays ' online system also does not allow the <em>complainant</em> to upload documents to support the <em>complaint</em>. So I spent money on printing, photocopying, and mailing for submitting the dispute to Barclays ' address in Delaware."]},"sort":[14.430203,"5944050"]},{"_index":"complaint-public-v1","_id":"14879983","_score":14.0848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Consumer Complaint Statement Legal Narrative Complainant Name : XXXX XXXX. XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Summary of Complaint After thoroughly reviewing my Equifax credit report, XXXX identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge. These items are not only inaccurate but also constitute violations of multiple federal consumer protection laws, and have resulted in credit denials, financial injury, and emotional distress. \n\nI have made formal disputes directly with Equifax, and I am now escalating this matter to the CFPB for investigation and regulatory enforcement. \n\nUnauthorized Accounts Present in My Equifax Credit File XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1100.00} Opened : XX/XX/XXXX These accounts were reported without my knowledge or approval. I never applied for credit with these companies, nor did I authorize any services or transactions related to these accounts. Their presence is false, damaging, and illegal. \n\nHard Inquiries Made Without Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of these inquiries. I contacted some of the companies listed and confirmed no applications or authorizations were submitted under my name. Therefore, these inquiries constitute unauthorized access to my consumer file in direct violation of FCRA 604 ( 15 U.S.C. 1681b ).\n\nLaws Violated The actions of Equifax and the data furnishers involved are in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C.\n\n1681b Unauthorized access 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose 1681i Failure to conduct reasonable reinvestigation 1681s-2 ( b ) Furnishers failure to correct inaccurate info Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 FCRA 609 ( a ) ( 1 ) - ( 2 ) Failure to provide supporting documentation FCRA 607 ( b ) Failure to use reasonable procedures","date_sent_to_company":"2025-07-25T17:40:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"14879983","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-25T17:40:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB Consumer <em>Complaint</em> Statement Legal <em>Narrative</em> <em>Complainant</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> SSN ( Last 4 digits ) : <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> XXXXXXXX <em>XXXX</em> : XX/XX/<em>XXXX</em> Summary of <em>Complaint</em> After thoroughly reviewing my Equifax credit report, <em>XXXX</em> identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge."]},"sort":[14.0848,"14879983"]},{"_index":"complaint-public-v1","_id":"14881569","_score":14.074823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Consumer Complaint Statement Legal Narrative Complainant Name : XXXX XXXX. XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Summary of Complaint After thoroughly reviewing my Equifax credit report, XXXX identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge. These items are not only inaccurate but also constitute violations of multiple federal consumer protection laws, and have resulted in credit denials, financial injury, and emotional distress. \n\nI have made formal disputes directly with Equifax, and I am now escalating this matter to the CFPB for investigation and regulatory enforcement. \n\nUnauthorized Accounts Present in My Equifax Credit File XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1100.00} Opened : XX/XX/XXXX These accounts were reported without my knowledge or approval. I never applied for credit with these companies, nor did I authorize any services or transactions related to these accounts. Their presence is false, damaging, and illegal. \n\nHard Inquiries Made Without Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of these inquiries. I contacted some of the companies listed and confirmed no applications or authorizations were submitted under my name. Therefore, these inquiries constitute unauthorized access to my consumer file in direct violation of FCRA 604 ( 15 U.S.C. 1681b ).\n\nLaws Violated The actions of Equifax and the data furnishers involved are in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C.\n\n1681b Unauthorized access 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose 1681i Failure to conduct reasonable reinvestigation 1681s-2 ( b ) Furnishers failure to correct inaccurate info Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 FCRA 609 ( a ) ( 1 ) - ( 2 ) Failure to provide supporting documentation FCRA 607 ( b ) Failure to use reasonable procedures","date_sent_to_company":"2025-07-25T17:40:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"14881569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-25T17:28:48.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB Consumer <em>Complaint</em> Statement Legal <em>Narrative</em> <em>Complainant</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> SSN ( Last 4 digits ) : <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> XXXXXXXX <em>XXXX</em> : XX/XX/<em>XXXX</em> Summary of <em>Complaint</em> After thoroughly reviewing my Equifax credit report, <em>XXXX</em> identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge."]},"sort":[14.074823,"14881569"]},{"_index":"complaint-public-v1","_id":"14879984","_score":14.074823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Consumer Complaint Statement Legal Narrative Complainant Name : XXXX XXXX. XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX Summary of Complaint After thoroughly reviewing my Equifax credit report, XXXX identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge. These items are not only inaccurate but also constitute violations of multiple federal consumer protection laws, and have resulted in credit denials, financial injury, and emotional distress. \n\nI have made formal disputes directly with Equifax, and I am now escalating this matter to the CFPB for investigation and regulatory enforcement. \n\nUnauthorized Accounts Present in My Equifax Credit File XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1100.00} Opened : XX/XX/XXXX These accounts were reported without my knowledge or approval. I never applied for credit with these companies, nor did I authorize any services or transactions related to these accounts. Their presence is false, damaging, and illegal. \n\nHard Inquiries Made Without Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize any of these inquiries. I contacted some of the companies listed and confirmed no applications or authorizations were submitted under my name. Therefore, these inquiries constitute unauthorized access to my consumer file in direct violation of FCRA 604 ( 15 U.S.C. 1681b ).\n\nLaws Violated The actions of Equifax and the data furnishers involved are in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C.\n\n1681b Unauthorized access 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose 1681i Failure to conduct reasonable reinvestigation 1681s-2 ( b ) Furnishers failure to correct inaccurate info Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 FCRA 609 ( a ) ( 1 ) - ( 2 ) Failure to provide supporting documentation FCRA 607 ( b ) Failure to use reasonable procedures","date_sent_to_company":"2025-07-25T17:40:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19124","tags":null,"has_narrative":true,"complaint_id":"14879984","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-25T17:40:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB Consumer <em>Complaint</em> Statement Legal <em>Narrative</em> <em>Complainant</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> SSN ( Last 4 digits ) : <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> XXXXXXXX <em>XXXX</em> : XX/XX/<em>XXXX</em> Summary of <em>Complaint</em> After thoroughly reviewing my Equifax credit report, <em>XXXX</em> identified unauthorized accounts and hard inquiries that were reported without my consent, authorization, or knowledge."]},"sort":[14.074823,"14879984"]},{"_index":"complaint-public-v1","_id":"20987622","_score":13.160994,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  Preferred Contact : Email Date : XX/XX/year> Company Information Company Name : Affirm , Inc . \nProduct : Buy Now, Pay Later / Installment Loan Sub-product : Pay Later Narrative : I am filing this complaint against Affirm XXXX Inc. regarding an unauthorized and fraudulent loan originated on my Affirm account after someone hacked into it. \n\nDetails of the Fraud : On or before XX/XX/year>, an unknown individual gained unauthorized access to my Affirm account and took out a Pay Later loan ( Loan ID : XXXX ) for general merchandise. The current total balance is {$1100.00}, with an overdue payment of {$310.00} as of XX/XX/year>. XXXX payments remain, and approximately {$940.00} is still owed. \n\nThis loan was charged to a XXXX debit card that I had already deactivated before the transaction occurred. I did not authorize the loan, I do not recognize the merchant or purchase, and Affirms website provides no information about the vendor, company, or suspect involved. Screenshots of my account ( attached ) clearly show this fraudulent loan alongside my legitimate past purchases from XXXX ( XXXX, XXXX, XXXX XXXX, etc. ), proving that the account was previously used only by me. \n\nXXXX XXXX : I promptly reported the unauthorized activity to XXXX Account XXXX XXXX. On XX/XX/year>, Affirm replied that after a thorough review, our investigation found that the activity was associated with your account, and the loan remains your responsibility. \n\nThey offered only a second review if I submitted a police report or other documents through their web form. \n\nI have informed Affirm in writing that I will not make any payments on this fraudulent loan. I also told them I would file complaints with the CFPB, FTC, and XXXX file a police report, report the matter to the credit bureaus if they report the loan negatively, and take legal action if the loan is not reversed. \n\nPotential Violations by Affirm : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act It is unfair and abusive to hold me liable for a loan resulting from an account takeover I did not authorize and to threaten negative credit reporting while demanding payment.\n\nViolation of the Identity Theft Red Flags Rule ( 16 CFR Part 681 ) Affirm failed to detect or properly investigate the clear red flag of a loan charged to a deactivated debit card. \nFailure to conduct a reasonable investigation of my fraud/identity theft claim Their response provides no transaction details, no evidence, and no explanation. \nPotential Fair Credit Reporting Act ( FCRA ) issues if they report this fraudulent debt to credit bureaus while the dispute is pending and unresolved. \n\nI have attached : Affirm E-Mail and Response XXXX XXXX full email exchange with Affirm Affirm Loan fraudulently taken out in my name, what else can I do? \nFTC Complaint - Affirm XX/XX/year> Identity Fraud _ Affirm.pdf screenshots of the fraudulent loan and my account history I am available by email or phone to provide any additional information, including a police report once filed. \n\nThank you for your assistance. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-04-06T20:54:35.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"810XX","tags":"Servicemember","has_narrative":true,"complaint_id":"20987622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-04-06T20:23:44.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Preferred Contact : Email Date : XX/XX/year> Company Information Company <em>Name</em> : Affirm , Inc . \nProduct : Buy Now, Pay Later / Installment Loan Sub-product : Pay Later <em>Narrative</em> : I am filing this <em>complaint</em> against Affirm <em>XXXX</em> Inc. regarding an unauthorized and fraudulent loan originated on my Affirm account after someone hacked into it."]},"sort":[13.160994,"20987622"]},{"_index":"complaint-public-v1","_id":"16485876","_score":12.762065,"_source":{"product":"Credit card","complaint_what_happened":"* * Subject : Formal Complaint Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am writing to file a formal complaint against Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit files with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably inaccurate, inconsistent, and legally unverifiable. \n\n* * Complainant Information : * * * * * Name : * * XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Date of Birth : * * XX/XX/XXXXXXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX XXXX XXXX  Bank and Account Information : * * * * * Bank Name : * * Bank of America * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information Bank of America has furnished regarding this account is riddled with material contradictions across the three major credit reporting agencies. These discrepancies are not minor errors ; they are fundamental inconsistencies that prove the data fails to meet the \" maximum possible accuracy '' standard required by law.\n\nThe specific, verifiable discrepancies are as follows : 1. * * Contradictory \" Date of First Delinquency '' : * * My XXXX  report explicitly lists a \" Date of First Delinquency '' as XX/XX/XXXX. In stark contrast, my XXXX XXXX XXXX reports completely omit this legally required data point, making it impossible to correctly calculate the reporting period for the alleged debt. \nXXXX. * * Conflicting Account Closure Remarks : * * My XXXX XXXX XXXX reports both state, \" Account closed at consumers request. '' This critical detail is entirely absent from my XXXX report, presenting a conflicting narrative of the account 's history. \nXXXX. * * Inconsistent Payment Data : * * My XXXX report uniquely lists a \" Last Payment Made '' date of XX/XX/XXXX. This information is not corroborated on either my XXXX XXXX XXXX reports, further invalidating the integrity of the furnished data. \n\nThese conflicting data points are prima facie evidence that the information provided by Bank of America is unreliable and legally unverifiable. An item of information that is reported in three different, contradictory ways can not be considered accurate. Therefore, any attempt to simply \" correct '' or \" update '' this account would be insufficient and unlawful. The entire tradeline is tainted by unreliable data, and its continued presence on my credit report is causing significant harm to my financial standing. \n\nThe only legally permissible remedy is the complete deletion of this account. \n\nI formally request that the Consumer Financial Protection Bureau launch an immediate investigation into Bank of America 's flagrant disregard for its furnishing responsibilities under the FCRA. I further request that you compel Bank of America to direct XXXX XXXX XXXX XXXX to permanently delete the entire account tradeline for Account Number XXXXXXXX XXXX XXXX XXXX XXXX  from my credit report.","date_sent_to_company":"2025-10-09T12:04:54.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"20109","tags":null,"has_narrative":true,"complaint_id":"16485876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-09T11:47:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["* * <em>Complainant</em> Information : * * * * * <em>Name</em> : * * <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, VA XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Date of Birth : * * XX/XX/XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Social Security Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Bank and Account Information : * * * * * Bank <em>Name</em> : * * Bank of America * * * Account Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> The information Bank of America has furnished regarding this account is riddled with material contradictions across"]},"sort":[12.762065,"16485876"]},{"_index":"complaint-public-v1","_id":"16694951","_score":12.666982,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Institution Name Gemini Trust Company , LLC Complaint Type Cryptocurrency, Banking Services ( Credit Card ) Severity Statement ( Use Verbatim ) This complaint details the systemic failure of Gemini support over an { XXXX } -week period to resolve two critical financial issues, culminating in the complete disregard of a Formal Regulatory Complaint. This failure has caused direct income loss, severe professional disruption, and profound emotional distress. I request immediate regulatory intervention to force resolution. \n\n\nSection 2 : Detailed Complaint Narrative Issue 1 : Missing Cryptocurrency Deposit and Negligence ( Ticket # XXXX ) The core issue began on XX/XX/year>, with a missing deposit of { XXXXXXXX XXXX } due to an incorrect memo tag. Despite this being a known, recoverable error, Gemini support has failed to manually resolve the issue for over eight weeks. \n\nTransaction ID XXXX XXXX XXXX XXXX XXXX XXXXXXXX } Original Date : { XX/XX/year> } Corrective Data Sent : All necessary data ( XXXX, correct tag { XXXX }, incorrect tag { XXXX } ) was provided repeatedly. \n\nRegulatory Failure : A comprehensive Formal Regulatory Complaint was submitted on XX/XX/year>. Gemini 's response was a generic support template from \" XXXX '' that ignored the complaint 's formal nature and provided no resolution timeline. \n\nIssue 2 : Systemic Credit Card Operational Failures ( Account Ending { XXXX } ) Simultaneously, the Gemini Credit Card account has experienced systemic operational errors since XX/XX/year>, which remain unresolved : Compromised Sign-Up Bonus : The approved credit limit was reduced from { {$3000.00} } to { {$1000.00} }. This, combined with an initial card delay, made the { {$3000.00} } bonus spending requirement mathematically impossible. Additionally, stops me from pursuing items for a startup business I had hoped to have by now. \n\nIncorrect Rewards : The card is incorrectly failing to pay the advertised { 4 % } gas rewards, instead applying the standard { 1 % } rate. \n\n\nSection 3 : Damages and Requested Resolution The negligence demonstrated by Gemini has caused verifiable damages and undue personal burden : Direct Loss of Income : I was forced to take three full days off work last week ( Monday, Thursday, and Friday ) to chase a resolution, resulting in direct and measurable income loss. \n\nProfessional/Security Harm : The lack of secure communication forced me to escalate publicly, leading directly to my being targeted by multiple scammers impersonating Gemini agents, which created significant risk and distress. My personal attempts have led to attacks by scammers, one of which was successful enough to compromise my XXXX account. This is now leading to skepticism on how safe my accounts actually are. \n\nEmotional Distress : The { XXXXXXXX XXXX  } holds high sentimental value, representing a personal milestone in my recovery journey. Its ongoing imprisonment due to Gemini 's negligence has caused profound emotional distress. \n\nRequested Resolution ( Demands ) : I demand that the CFPB compel Gemini to take the following actions immediately : Credit the { XXXXXXXX XXXX XXXX to my account immediately. \n\nCompensate my documented loss of income for the three days of work missed. \n\nCorrect the Credit Card Account : Restore the { {$3000.00} } credit limit, retroactively apply the { 4 % } gas rewards, and extend the promotional period. \n\n\nSection XXXX : Contact Information Complainant Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-20T23:44:56.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"16694951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2025-10-20T23:20:29.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Section <em>XXXX</em> : Contact Information <em>Complainant</em> <em>Name</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[12.666982,"16694951"]},{"_index":"complaint-public-v1","_id":"20144892","_score":12.329601,"_source":{"product":"Credit card","complaint_what_happened":"b'CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)\\nFORMAL COMPLAINT  DRAFT FOR SUBMISSION AT consumerfinance.gov/complaint\\n\\nCOMPLAINANT INFORMATION\\n\\n\\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOMPANIES SUBJECT TO COMPLAINT\\n\\n\\n1. Barclays Bank Delaware (Barclays US Credit CardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPRODUCT/ISSUE TYPE\\n\\n\\nProduct: Credit Card\\nIssue: Problem with a balance transfer / Missing payment that has not been returned\\n\\nCOMPLAINT NARRATIVE\\n\\n\\nI am an XXXX-year-old consumer writing to report an unresolved $XXXX  missing balance transfer that has caused significant financial harm. Despite nearly XXXX months of repeated phone calls (more than XXXX  hours total), written correspondence, and providing all documentation requested by both companies, neither Barclays nor XXXX  has resolved this matter or returned the missing funds.\\n\\nWhat Happened:XXXX XXXX XXXX XXXX  I initiated an online balance transfer of $XXXX from my Barclays Old Navy Mastercard (account ending XXXX) to my XXXX XXXX  credit card (account ending XXXX, now reissued as XXXX  due to subsequent fraud). When entering my XXXX  account number online, I made a one-digit transposition error: I entered 5XXXX XXXX XXXX XXXX instead of the correct number XXXX XXXX XXXX XXXX\\n\\nBarclays confirmed in a written letter dated XXXX XXXX XXXX XXXX XXXX XXXX that the payment was sent via check on AXXXX XXXX XXXX to account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount was XXXX confirmed in multiple written letters XXXX XXXX XXXX XXXX XXXX  payment was ever received. A XXXX  representative verbally stated that account number 5XXXX XXXX XXXX XXXX  did not exist, and that any payment sent to a non-existent account would be returned to the sender (Barclays). No such return credit has ever appeared on my Barclays account.XXXX XXXX XXXX XXXX acting on advice from a Barclays representative who assured me I had sufficient credit, I initiated a second $XXXX  balance transfer from my separate Barclays AAdvantage card (ending XXXX) to my correct XXXX  account. This second transfer was received successfully. I now carry $XXXX  in new Barclays debt but received only $XXXX  in credit  leaving me $XXXX  out of pocket, paying interest on money I never received.\\n\\nWhat Went Wrong:\\n\\n\\tBarclays sent a $XXXX  check to a non-existent account number. According to XXXX, such a check should have been returned to Barclays. It was not, and Barclays has not traced or recovered it.\\n\\tBarclays has not conducted or shared the results of any check trace in nearly twelve months.\\n\\XXXX closed the case in XXXX XXXX  citing \"insufficient information received,\" despite the fact that I sent all requested documents repeatedly and have confirmation emails to XXXX XXXX with Barclays\\' letters and case numbers attached.\\n\\tNeither institution has taken responsibility for tracing or returning the funds.\\n\\nWhat I Am Requesting:\\n\\n1.\\tBarclays must trace the XXXX XXXX XXXX  check and determine whether it was cashed, returned, or lost.\\n2.\\tBarclays must credit $XXXX  plus all accrued interest and fees to my XXXX XXXX account ending XXXX must reopen XXXX XXXX  and provide written confirmation that account XXXX XXXX XXXX XXXX  did not exist on XXXX XXXX XXXX4.\\tBoth institutions must communicate with each other and with me in writing to resolve this matter within 30 days.\\n\\nSUPPORTING DOCUMENTS AVAILABLE\\n\\n\\n\\tBarclays written confirmation letter dated XXXX XXXX XXXX (Case XXXX XXXXBarclays Old Navy statement (account ending XXXX) showing $5,000 balance transfer charge\\n\\tBarclays AAdvantage statement (account ending XXXX) showing second $XXXX  balance transfer\\n\\tMultiple XXXX  letters (XXXX XXXX XXXX XXXX) confirming $XXXX  payment not found XXXX XXXX\\n\\tEmail correspondence to XXXX  transmitting Barclays letter and reference numbers\\n\\tPersonal timeline narrative documenting all calls and actions taken since XXXX XXXXKEY REFERENCE NUMBERS\\n\\n\\nBarclays Case ID: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect account number Barclays sent funds to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-03-10T21:55:03.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60010","tags":"Older American","has_narrative":true,"complaint_id":"20144892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-03-10T21:43:16.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with balance transfer"},"highlight":{"complaint_what_happened":["b'CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)\\nFORMAL <em>COMPLAINT</em>  DRAFT FOR SUBMISSION AT consumerfinance.gov/<em>complaint</em>\\n\\n<em>COMPLAINANT</em> INFORMATION\\n\\n\\n<em>Name</em>: <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXCOMPANIES SUBJECT TO <em>COMPLAINT</em>\\n\\n\\n1."]},"sort":[12.329601,"20144892"]},{"_index":"complaint-public-v1","_id":"10415251","_score":12.118693,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"INSPECTION SERVICE MAIL/IDENTITY THEFT COMPLAINT Tuesday, XX/XX/XXXX XXXXXXXX XXXX Complaint Date : XX/XX/XXXX Date Entered : XX/XX/XXXX XXXXXXXX XXXX Narrative On XX/XX/XXXX a Priority Mail Envelope was dropped into the blue collection box at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . As of XX/XX/XXXX the tracking number shows its still in a waiting for package to be accepted into postal service custody. \nAs I stated it was dropped into the blue collection box but seems to have not been scanned. I have 2 cases open XXXX and XXXX but no one seems able to help me find this package. The contents are valued at {$800.00}. The package was addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nUpdate XX/XX/XXXX : XXXX XXXX was contacted and advised she mailed XXXX XXXX. XXXX that contained two XXXX XXXX XXXX XXXX. One for {$300.00} which has been cashed, and another money order for {$500.00} to pay her XXXX rent. Contact with XXXX has disclosed the money order was cashed and went thru their bank Wells Fargo. They advised to contact Wells Fargo to get the bank of first deposit. The payee name was not changed, but another name was added to the payee line which is ilegible. \nXXXX XXXX ' landlord XXXX XXXX was contacted at ( XXXX ) XXXX and made aware of the theft and that USPIS is investigating the matter and working with XXXX XXXX to get reimbursed. \nUpdate XX/XX/XXXX : XXXX XXXX fraud investigator was contacted on XX/XX/XXXX regarding the status of XXXX XXXX ' {$500.00} reimbursement. XXXX XXXX advsied the funds were available for pickup by XXXX XXXX on XX/XX/XXXX. XXXX XXXX was contacted regarding the availability of the funds and advised she was able to get the {$500.00} minus a {$15.00} fee. \nIt was determined that the {$300.00} money order was deposited at a Wells Fargo Branch via ATM on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX was advised to contact Wells Fargo to file a claim for reimbursement. A copy of this updated report was provided to XXXX XXXX. USPIS will continue to investigate the theft and negotiation of the money orders. XXXX XXXX, Analyst USPIS, XXXXXXXX XXXX \nComplainant / Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Car Rt : XXXX Scheme ( s ) Mail Tampering Mail Theft - Mail Not Received/Outgoing and Incoming Money Order - Lost or Stolen Money Order - Washed/Altered/Raised Missing Mail / Mail Tampering Receptacle : Collection Box Addresses Involved Address1 : Inside / Outside : OUTSIDE Mailed Date : XX/XX/XXXX Place of Mailing : Collection Box Reference Number : XXXX Page 1 US POSTAL INSPECTION SERVICE MAIL/IDENTITY THEFT COMPLAINT Tuesday XXXX XX/XX/XXXX XXXX PM Mail Type : Flat Size Mail Mail Class : Priority Number : XXXX Mailed From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Mailed To XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Place Mailed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Mail Contents : Other Other Value : XXXX XXXX / Serial # : Financial Record ( s ) Account Number : UNKNOWN Account Type XXXX Check Bank Name : XXXX XXXX Account Limit : XXXX Check/Ref Num Reference Number : XXXX Transactions Type Date Money Order ( Other ) XX/XX/XXXX Money Order ( Other ) XX/XX/XXXX ( Washed ) Deposited : XX/XX/XXXX Loss Amount : XXXX Total Amount Loss : XXXX Amount XXXX XXXX XXXX XXXX XXXX Merchant/Payee Info Pending","date_sent_to_company":"2024-10-10T12:35:36.000Z","issue":"Lost or stolen money order","sub_product":"Money order, traveler's check or cashier's check","zip_code":"235XX","tags":null,"has_narrative":true,"complaint_id":"10415251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-10T12:22:21.000Z","state":"VA","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":["INSPECTION SERVICE MAIL/IDENTITY THEFT <em>COMPLAINT</em> Tuesday, XX/XX/<em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>Complaint</em> Date : XX/XX/<em>XXXX</em> Date Entered : XX/XX/<em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>Narrative</em> On XX/XX/<em>XXXX</em> a Priority Mail Envelope was dropped into the blue collection box at <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX . As of XX/XX/<em>XXXX</em> the tracking number shows its still in a waiting for package to be accepted into postal service custody."]},"sort":[12.118693,"10415251"]},{"_index":"complaint-public-v1","_id":"20537159","_score":11.342678,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["HOW TO FILE : Go to consumerfinance.gov/<em>complaint</em> Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the <em>narrative</em> below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company <em>name</em> : Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) <em>COMPLAINT</em> <em>NARRATIVE</em> COPY AND PASTE THIS ENTIRE SECTION I am filing this <em>complaint</em> against Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[11.342678,"20537159"]},{"_index":"complaint-public-v1","_id":"16951209","_score":9.917502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXHIBIT D Expanded Legal Violation Narrative Complainant : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Phone : XXXX | Email : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX. \nAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion LLC Date : XX/XX/XXXX Purpose of Exhibit : This exhibit presents a plain-language legal analysis of the Fair Credit Reporting Act ( FCRA ) violations related to the XXXX XXXX XXXXXXXX tradeline referencing XXXX XXXX XXXX as the original creditor. \nEach violation below identifies the relevant FCRA section, evidence found in the consumers TransUnion report, and an explanation of how the conduct breaches federal law. This document is designed for review by CFPB investigators and reflects the complainants direct experience and resulting harm. \n1 Illegal Re-Aging and Inaccurate Date of First Delinquency ( DOFD ) Law Violated : FCRA 623 ( a ) ( 5 ) ( A ) and 605 ( a ) Evidence : Date Opened XX/XX/XXXX | Estimated Removal XX/XX/XXXX The Date of First Delinquency ( DOFD ) determines how long a negative account can remain on a credit report. This XXXX XXXX accounts removal date ( XX/XX/XXXX ) conflicts with its open date ( XX/XX/XXXX ), indicating unlawful re-aging. This practice extends the reporting period beyond XXXX years and violates the FCRAs accuracy requirement. Re-aging misleads lenders by making an older debt appear newer, causing unjust credit damage. \nImpact : The re-aged account artificially lowers credit scores, increases interest rates, and misrepresents credit history. Requested Action : Correct the DOFD to reflect the original XXXX delinquency date and adjust or delete the tradeline accordingly. \n2 Improper 'Past Due \" Field on a Collection Account Law Violated : FCRA 607 ( b ) Accuracy and completeness standard Evidence : Pay Status 'Collection ' | Past Due {$2500.00} Collection accounts can not lawfully carry a 'Past Due \" field since they are already defaulted and have no active billing cycle. By reporting this field, TransUnion and XXXX XXXX create the false impression that the consumer is behind on a current payment obligation. This inaccurate dual status ( 'Collection ' and 'Past Due ' ) exaggerates delinquency and further depresses the consumers credit score.\n\nImpact : Misleads lenders and damages payment history metrics used in credit scoring. Requested Action : Remove the 'Past Due ' field entirely and update the tradeline to reflect accurate collection-only status.\n\n3 Failure to Conduct a Human Reinvestigation After Dispute Law Violated : FCRA 611 ( a ) Duty to perform a reasonable reinvestigation Evidence : Remarks 'Completed investigation of FCRA dispute consumer disagreed \" This notation confirms that TransUnion received a formal dispute but failed to perform a lawful reinvestigation. No supporting documentation from the furnisher was provided, demonstrating that verification relied solely on automated systems such as eOSCAR. The FCRA requires a manual, documented verification processnot electronic confirmation without evidence.\n\nImpact : Deprives the consumer of due process and perpetuates false reporting. Requested Action : Conduct a manual reinvestigation and furnish written proof directly from XXXX XXXX and XXXX XXXX. confirming the accounts validity. \n4 False 'Date Updated \" Activity ( Date Refreshing ) Law Violated : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) Evidence : Date Updated XX/XX/XXXX The tradeline shows a 'Date Updated ' of XX/XX/XXXX, suggesting new account activity even though this collection has been static since XXXX. This practice, known as 'date refreshing, ' manipulates credit scoring systems by making the debt appear recent and more severe. Such false updating is deceptive and undermines the accuracy standards required under the FCRA. \nImpact : Misrepresents account activity to creditors and causes ongoing harm by re-triggering delinquency scoring factors. Requested Action : Freeze the update date to reflect the true inactivity of the account or remove the tradeline entirely. \n5 Duplicate Reporting Between XXXX XXXX and XXXX XXXX. \nLaw Violated : FCRA 607 ( b ) and 623 ( a ) ( 2 ) Evidence : Both XXXX and XXXX XXXX reporting identical {$2500.00} balances When a debt is sold or transferred, the original creditor must update its tradeline to {$0.00} and mark it 'sold/closed. ' Here, XXXX continues to report the same balance while XXXX XXXX also reports the debt, doubling the consumers total liability. This duplication creates false credit utilization ratios and unfairly amplifies the negative impact of a single debt. \nImpact : Distorts total debt load and damages creditworthiness. Requested Action : Ensure XXXX reports a {$0.00} balance and remove duplicate tradeline entries. \nSummary and Requested Relief : The combined violations described above constitute willful and negligent noncompliance with the Fair Credit Reporting Act. Each violation carries a statutory penalty of {$1000.00}, totaling {$5000.00} for this account. This brings my cumulative total of identified TransUnion violations to {$39000.00} as of this filing. \nI respectfully request that the Consumer Financial Protection Bureau direct TransUnion to : ( 1 ) delete or correct the inaccurate tradeline, ( 2 ) require XXXX XXXX and XXXX to submit documentary evidence of accuracy, and ( 3 ) ensure no reinsertion occurs without full compliance under 611 ( a ) ( 5 ) ( B ).\n\nDeclaration : I affirm under penalty of perjury that the information contained in this document is true and accurate to the best of my knowledge. This Exhibit D is submitted in good faith to support my formal CFPB complaint dated XX/XX/XXXX. \nSignature : ________________________________ Date Signed : XX/XX/XXXX Name : XXXX XXXX","date_sent_to_company":"2025-10-31T17:29:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"301XX","tags":null,"has_narrative":true,"complaint_id":"16951209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-31T17:20:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This Exhibit D is submitted in good faith to support my formal CFPB <em>complaint</em> dated XX/XX/<em>XXXX</em>. \nSignature : ________________________________ Date Signed : XX/XX/<em>XXXX</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em>"]},"sort":[9.917502,"16951209"]},{"_index":"complaint-public-v1","_id":"15290313","_score":9.00914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  MA XXXX XXXX XXXX Company Names : XXXX  XXXX XXXX XXXX XXXX. \nSunnova Energy Corporation Product : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with XXXX XXXX data standards. \nXXXX Complaint Narrative : On my XXXX  credit report dated XX/XX/year>, Sunnova Energy Corp is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX reporting standards. \nI have attached my direct dispute letter to Sunnova ( furnisher ) and my FCRA XXXX dispute letter to Experian. The specific issues include : XXXX. Missing Payment History & DOFD No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \nXXXX. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \nXXXX. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims. \nXXXX. Duplicate Entries Same incomplete Sunnova account appears multiple times in my Experian file. \nXXXX. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance. \nXXXX. Missing Update Dates Balance updated date is blank. \nXXXX. Missing Furnisher Contact Info No address or phone for Sunnova in the credit report. \nXXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. \nXXXX. XXXX XXXX Data Field Non-Compliance Multiple missing required fields under the XXXX XXXX format. \nXXXX. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and Sunnova under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards. \nRelief Sought : Immediate deletion of the Sunnova account from all credit reporting agencies, OR full correction to comply with XXXX XXXX standards and FCRA requirements. \nWritten confirmation from both XXXX  and Sunnova. \nAssurance that this account will not be re-aged or re-reported without full compliance. \nAttachments : XXXX  dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline XXXX XXXXXXXX XXXX XXXX XXXX XXXXt Sunnova Energy Corp XXXX Name / Number Exact Error XXXX XXXX Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments XXXX XXXX Field XXXX XXXX FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates XXXX XXXX Date of First Delinquency ( Field XXXX ) Missing DOFD entirely FCRA XXXX ( a ) ( XXXX ) ; XXXX XXXX Field XXXX XXXX to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date XXXX XXXX Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing XXXX XXXX Field XXXX & XXXX Blank balance fields are inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( XXXX ) ; XXXX XXXX Base Segment Consumers must be able to contact furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance XXXX XXXX Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details XXXX XXXX prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290313","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Sunnova Energy Corporation","date_received":"2025-08-14T16:55:27.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> # <em>XXXX</em> <em>XXXX</em>  MA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Company <em>Names</em> : <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \nSunnova Energy Corporation Product : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with <em>XXXX</em> <em>XXXX</em> data standards. \n<em>XXXX</em> <em>Complaint</em> <em>Narrative</em> : On my <em>XXXX</em>  credit report dated XX/XX/year>, Sunnova Energy Corp is reporting an account ( Account No."]},"sort":[9.00914,"15290313"]},{"_index":"complaint-public-v1","_id":"15290278","_score":8.989701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Names : Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with Metro 2 data standards.\n\n________________________________________ Complaint Narrative : On my Experian credit report dated XX/XX/year>, XXXX XXXX XXXX is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting standards. \nI have attached my direct dispute letter to XXXX ( furnisher ) and my FCRA 611 dispute letter to Experian. The specific issues include : 1. Missing Payment History & XXXX  No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \n2. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \n3. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims.\n\n4. Duplicate Entries Same incomplete XXXX account appears multiple times in my Experian file. \n5. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance.\n\n6. Missing Update Dates Balance updated date is blank.\n\n7. Missing Furnisher Contact Info No address or phone for XXXX in the credit report. \n8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. \n9. Metro 2 Data Field Non-Compliance Multiple missing required fields under the Metro 2 format.\n\n10. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and XXXX under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards.\n\nRelief Sought : Immediate deletion of the XXXX account from all credit reporting agencies, OR full correction to comply with Metro 2 standards and FCRA requirements. \nWritten confirmation from both Experian and XXXX. \nXXXX that this account will not be re-aged or re-reported without full compliance. \nAttachments : Experian dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline ________________________________________ Metro 2 Field Violation XXXX XXXX XXXX XXXX XXXX Name / Number Exact Error Metro 2 Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments Metro 2 Field 28 ; FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates Metro 2 Date of First Delinquency ( Field XXXX ) Missing XXXX  entirely FCRA 623 ( a ) ( 5 ) ; Metro 2 Field XXXX Required to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date Metro 2 Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing Metro 2 Field XXXX & XXXX Blank balance fields XXXX inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( 1 ) ; Metro 2 Base Segment Consumers must be able to XXXX furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance Metro 2 Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details Metro 2 prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-14T16:45:27.000Z","state":"MA","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":["<em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Company <em>Names</em> : Experian Information Solutions , Inc . \n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with Metro 2 data standards.\n\n________________________________________ <em>Complaint</em> <em>Narrative</em> : On my Experian credit report dated XX/XX/year>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is reporting an account ( Account No."]},"sort":[8.989701,"15290278"]},{"_index":"complaint-public-v1","_id":"19794487","_score":8.965919,"_source":{"product":"Credit card","complaint_what_happened":"CONSUMER COMPLAINT Filed with the Consumer Financial Protection Bureau XX/XX/XXXX COMPLAINANT Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Email : XXXX COMPANIES INVOLVED Financial Institution : Synchrony Bank / CareCredit Merchant : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Product : CareCredit revolving credit card ( issued by Synchrony Bank ) Disputed Amount : {$2400.00} SUMMARY I am filing this complaint against Synchrony Bank ( CareCredit ) regarding a {$2400.00} charge for a medical device from XXXX XXXX XXXX XXXX  XXXX The merchant obtained my CareCredit financing during a high-pressure telehealth sales process, then obtained a liability waiver under misleading circumstances, ignored my written cancellation request, manufactured and shipped a product I explicitly asked them not to make, and has been unresponsive to all communications for over two weeks. I am invoking my rights under the Fair Credit Billing Act and the FTC Holder Rule. \nDETAILED NARRATIVE CareCredit enrollment and purchase. On XX/XX/XXXX, during a sales call with a XXXX XXXX XXXX, I was sold a custom dental sleep appliance for {$2400.00}, financed through CareCredit. The CareCredit application was completed during the sales call. I had been contacted by XXXX multiple times daily since XX/XX/XXXX via text and email, creating urgency to complete each step of the process. \nWaiver obtained before disclosure. On XX/XX/XXXX, XXXX clinical team identified a dental issue ( missing tooth # XXXX ) affecting the product. XXXX sent me two emails within three minutes : first, a XXXX link to sign a Release and Waiver of Liability ( at XXXX XXXX  ) with no explanation ; then, an email explaining two options ( at XXXX XXXX  ). I signed the waiver at XXXX XXXXbefore  reading the explanatory emailviewing the four-page legal document for only 57 seconds ( per XXXX  certificate ). At XXXX XXXX  the same day, I replied choosing Option 1 ( work with my dentist first ), effectively revoking the waiver. \nMerchant ignored cancellation. XXXX ignored my Option 1 election, began manufacturing the device, and shipped it to me despite my objections on XX/XX/XXXX, and XXXX ( including a formal written cancellation on XX/XX/XXXX ). A XXXX representative acknowledged my mistake on XX/XX/XXXX ( No problem! ) and then never followed up. The device was delivered XX/XX/XXXX. It remains unopened. \nCONCERNS REGARDING CARECREDIT PROVIDER OVERSIGHT This complaint raises provider oversight concerns that echo the issues identified in the CFPBs XXXX  enforcement action against CareCredit ( Consent Order XXXX ), in which the CFPB ordered CareCredit to refund {$34.00} million to over one million consumers for deceptive enrollment tactics. Specifically : Enrollment during high-pressure sales process. I applied for CareCredit during a telephone sales call with a XXXX sales representative, not in a clinical setting with a healthcare provider. The XXXX CFPB order found that CareCredit consumers frequently received an inadequate explanation of the terms when enrolled by provider staff. \nInadequate provider oversight. XXXX obtained a liability waiver before providing the explanatory email, used a four-page legal document that was reviewed for 57 seconds, and then proceeded with a {$2400.00} charge after I explicitly revoked consent. The XXXX order found that CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. \nPattern of complaints. XXXX ( XXXX XXXX ) has received multiple XXXX XXXX XXXX complaints describing the same pattern : aggressive CareCredit-financed sales, then radio silence when consumers attempt to cancel. This suggests a systemic issue with this provider, not an isolated incident. \nOngoing regulatory scrutiny. The CFPB issued a Request for Information on medical payment products in XXXX, and Senate investigations ( Senators XXXX, XXXX, XXXX ) found that 23 % of CareCredit transactions were not repaid within promotional periods, with retroactive interest rates of 26.99 %. This complaint falls squarely within the Bureaus ongoing scrutiny of medical credit card practices. \nREQUESTED ACTION I respectfully request that the CFPB : Forward this complaint to Synchrony Bank/CareCredit and require a response ; Direct Synchrony to open a formal billing dispute investigation, issue a provisional credit, and suspend payment/interest obligations on the disputed amount ; Investigate whether XXXX XXXX is in compliance with CareCredits provider enrollment requirements; Consider this complaint in the context of the Bureaus ongoing review of medical payment products and deferred interest practices. \nSUPPORTING DOCUMENTATION I am attaching the following documentation : Exhibit A : At-Home Sleep Test Order Confirmation ( # XXXX, {$99.00}, XX/XX/XXXX ) Exhibit B : XXXX XXXX XXXX  Order Confirmation ( # XXXX, {$2400.00}, XX/XX/XXXX ) Exhibit C : XXXX  waiver signing request email ( XX/XX/XXXX, XXXX XXXX ) no explanatory text Exhibit D : XXXX  Treatment or Waiver email thread, including replies choosing Option 1 ( XXXX XXXX, XX/XX/XXXX ) and follow-up ( XX/XX/XXXX ) Exhibit E : Signed Release and Waiver of Liability ( 4 pages ) with XXXX  Certificate of Signature XXXX XXXX XXXX XXXX ) Exhibit F : Text message screenshots from three XXXX  phone numbers : daily sales follow-ups ; manufacturing notification ; objections ; No problem! acknowledgment ; shipping/delivery notifications Exhibit G : Text message from XXXX XXXX XXXX  ( XX/XX/XXXX ) confirming XXXX XXXX diagnosis Exhibit H : Cancellation email to XXXX ( XX/XX/XXXX ) unanswered Exhibit I : Chronological Timeline of All Events and Communications ( XX/XX/XXXX XX/XX/XXXX ) Exhibit J : Order Confirmation with Full Pricing Breakdown showing {$3400.00} subtotal, {$990.00} discount, and upsold Essentials Bundle Exhibit K : CareCredit/Synchrony Bank Statement XXXX XX/XX/XXXX ) confirming billing disputes address and FTC Holder Rule notice I have also filed a billing dispute directly with CareCredit/Synchrony Bank, sent a demand letter to XXXX, filed a complaint with the California Attorney General, and filed a XXXX complaint. \n\nSincerely, _____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Enclosures : Exhibits A through K as described above","date_sent_to_company":"2026-03-19T11:37:31.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"94112","tags":null,"has_narrative":true,"complaint_id":"19794487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-26T00:35:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["CONSUMER <em>COMPLAINT</em> Filed with the Consumer Financial Protection Bureau XX/XX/<em>XXXX</em> <em>COMPLAINANT</em> <em>Name</em> : <em>XXXX</em> <em>XXXX</em> Address : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> Email : <em>XXXX</em> COMPANIES INVOLVED Financial Institution : Synchrony Bank / CareCredit Merchant : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Product : CareCredit revolving credit card ( issued by Synchrony Bank ) Disputed Amount : {$2400.00} SUMMARY I am filing this <em>complaint</em> against Synchrony Bank ( CareCredit ) regarding a {$2400.00} charge for a medical"]},"sort":[8.965919,"19794487"]},{"_index":"complaint-public-v1","_id":"3512981","_score":7.826125,"_source":{"product":"Mortgage","complaint_what_happened":"On Tue, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION CONSUMER SERVICES UNIT CONSUMER COMPLAINT FORM Licensing Board is responsible for supervising collection agencies ( Board Licensees ).\n\nBefore you begin : If your complaint involves one of the above listed entities, it is recommended that you contact the entity ( s ) to resolve the matter prior to submitting a complaint. When contacting the entity, please make every effort to ensure contact that the person with whom you communicate is authorized to resolve your dispute.\n\nIf you are unable to resolve the complaint directly with the entity, the second step is to determine if the financial entity is supervised by the Commissioner ( see our licensing search pages ).\n\nThe Commissioner of Financial Regulation ( Commissioner ) is responsible for supervising Maryland State-chartered banks, credit unions, and non-deposit trust companies ( collectively Institutions ) and for supervising entities providing the following financial services to Maryland consumers, including, consumer and installment lenders ( including payday lenders ), sales finance companies, mortgage brokers, lenders, servicers, and loan originators, check cashing services, money transmitters, debt management businesses, credit reporting agencies, credit services businesses ( collectively Licensees ). The XXXX XXXX XXXX NOTE : If you believe that the party who is the subject of your complaint should be licensed by the Commissioner, and is not licensed, you should file a complaint. \nComplaint Form XX/XX/XXXX Page 1 of 6 Instructions : This is a fillable PDF form which means you may complete and sign this form electronically. If you decide to complete the form manually, please print the form, print your information clearly and sign your name. Use black or blue ink, only.\n\nThis is NOT an online form ; you must submit your complaint by one of the means listed below. Please enclose copies ( NOT ORIGINALS ) of documents ( contracts, account statements, letters, bills, receipts, checks, etc., ) that relate to your complaint, and be sure to sign ( electronically or manually ) and date your complaint.\n\nDeliver your completed complaint form and relating documents by one of the following methods : BY E-MAIL : Please send as attachments to XXXX BY MAIL : Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX Attention : Consumer Services Unit IN-PERSON : You can also walk in to the Commissioners office at XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX ( Note : walk-in Hours are : XXXX XXXX - XXXX XXXX  ) BY FACSIMILE ( FAX ) : at the following fax number XXXX ( Note : please mark your fax to the attention of the Consumer Services Unit ) Note : Your complaint will be assigned to an Examiner who will handle your complaint and who will reach out to you shortly after being assigned your complaint. \nBe advised any information that you provide may be forwarded to an Institution, Licensee, Board Licensee, or any other individual against whom you have complained. \nFree at ( XXXX ) XXXX or visit the Commissioners webpage at http : //www.dllr.maryland.gov/finance/. \nBefore you submit or mail your complaint : Proof read the information you have provided and make any necessary corrections. \nEnclose copies ( NOT ORIGINALS ) of documents that relate to your complaint. \nPlease make sure to sign and date the form. \nFinally, before sending make a complete copy of all information submitted by you. \nShould you have any questions regarding the Commissioners complaint resolution process or a complaint you have filed with the Commissioner, do not hesitate to contact the Consumer Services Unit at ( XXXX ) XXXX XXXX or Toll Complaint Form XX/XX/XXXX Page 2 of 6 DEMOGRAPHIC INFORMATION Your Name The Office of the Commissioner of Financial Regulation complies with all applicable federal and State laws regarding discrimination. The Commissioner does not base findings concerning complaints on a persons age, ancestry, color, gender identity and expression, marital status, race, or any other protected status. However, in an effort to ascertain trends regarding complaint data, we ask that you voluntarily provide the following demographic information. Demographic information will not be shared with the person or entity who is the subject of your complaint. \nWhat category best describes you? \nXXXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX   origin XXXX XXXX  or XXXX XXXX XXXX XXXX or Other XXXX XXXX XXXX or XXXX   Other race, ethnicity or origin Decline to answer Gender Identity : Female Male Other gender Decline to Answer Age : 18-25 26-35 36-45 x 46-55 56-65 Over 65 Decline to Answer Veteran/ Military Status : Are you eligible to declare veteran or military status? Yes x No If yes which best describes your status? Veteran Active Duty or Reserve Active Duty or Reserve/ deployed Complaint Form XX/XX/XXXX Page 3 of 6 CONSUMER INFORMATION Your Name : Mr. XMs. \nHome # : Cell # : ( XXXX ) XXXX Work # : Fax # : Street Address : XXXX XXXX XXXX, City/Town/State : XXXX XXXX MD Zip Code : XXXX E-mail Address : XXXX Account Number ( s ) involved in this complaint : Complaint Form XX/XX/XXXX Page 4 of 6 CONSUMER ATTORNEY OR REPRESENTATIVE AGENT Do you have an attorney or representative agent assisting you with this complaint? Yes x No If so, do you authorize the release of information to the below listed individual? Yes No Representative Name : Work # : Cell # : Fax # : Representative Street Address : Representative City/Town/State : Zip Code : Representative E-mail Address : WHAT IS YOUR COMPLAINT ABOUT?\n\n( Check all that apply ) ATM or Money Wiring Services Auto or Car Title Loan Auto Repossession Bank or Credit Union Check Casher Consumer Loan Credit Denial Credit Reporting Agency x Debt Collection - General Debt Collection Harassment Debt Management Services xDebt Settlement Services x Dispute of Credit Information XDispute Debt Owed X Foreclosure Related X Foreclosure Prevention Services Identity Theft Land Installment Loan X Lending or Credit Fraud Money Transmission X Mortgage Fraud X Mortgage Loan X Mortgage Modification Mortgage Refinance X Mortgage Servicer Personal Property Repossession Property Management or HOA Fees Reverse Mortgage Short Sale or Deed in Lieu Student Loan Questionable Fee Charges Unauthorized Charges Virtual or Cryptocurrency XOther : __________fruadlent propertys sale___unfair practices of the attorneys office and the mortgage companies to_____breaking the law ___ THE NAME OF THE PERSON OR ENTITY THAT I AM COMPLAINING ABOUT : Ocwen loan servicing llc / PHH mortgage/ XXXX XXXX mortgage and attorneys and trustee office XXXX XXXX XXXX  XXXX ( If more than one , use separate Complaint Form for each complainant ) Name : Work # : Cell # : Fax # : Street Address : City/Town/State : Zip Code : E-mail Address : Complaint Form XX/XX/XXXX Page 5 of 6 Complaint Narrative : Did you contact the person or entity about your complaint? Yes Person Contacted : ocwen loan services llc Did they respond? Yes Date Contacted : XX/XX/XXXX Date of Response : If so, nature of response : call the attorneys office Complaint Form XX/XX/XXXX Page 6 of 7 Is Court Action Pending on this complaint? Yes, but the already sale my property Proposed Resolution what would be an acceptable resolution to your complaint : Remove them form serving customer and dismissed and give my home back with full payment because they break the law or evidence and be fair as well as lawful Check here if you are filing this complaint for informational purposes ONLY. \n( By checking this box the office will not reach out to the person or entity you are complaining about ) **Please read carefully, before signing and submitting your complaint. ** XXXX XXXX  By signing this complaint, I certify that all the information supplied in this complaint form is true and accurate to the best of my knowledge. I also authorize the Office of the Commissioner of Financial Regulation to speak on my behalf regarding my loan or account with the person ( s ) or entity ( ies ) listed in this complaint ( unless this complaint is filed for information purposes only ). I further have no objection to the contents of this complaint being forwarded to the person ( s ) or entity ( ies ) listed in this complaint. Further, in filing this complaint, I understand that the Commissioner of Financial Regulation can neither guarantee any certain resolution to this complaint nor provide me with legal advice. Should I have questions concerning my legal rights and responsibilities, I will contact an appropriate legal services provider. \nSignature : XXXX XXXX Date:XX/XX/XXXXComplaint Form XX/XX/XXXX Page 7 of 7 The attorney/ Trustee company ( XXXX XXXX XXXX  XXXX et al ) ( Ocwen loan Services ) employees and ( PHH moragt. ) ( XXXX XXXX ) please excuse me bacise as for today I dont no who who. But the say they all the same but all dont have me account correctly ) have submitted false information and paperwork. Conduct and engage in dishonesty, fraud, deceit and misrepresentation the prejudice sell in my property disobey court order, filing a default sale wit out get the court to rule on it not following The Maryland state rule by file announcement of the property in public papers not send the notices to the ( Regular Mail ) On fair time never send me what was to be collect to demand my property before sale when call the mortgage company the say call the attorney s not file the true not we never had our time in court because we been in Bankruptcy ( My husband mother past away in XXXX she put a lot of things in his name he was her only child and we had business as will we was waiting to have our day in court but you cant go throw any other court when in court with BK they not it as will they no they did have rights to foreclosure as well as the other didnt because the found the payment and the other case was closed as well as the began in this case ) never send us anything until it over and that was not to pay ocwen because they was receiving payment form us by side the bk case never got the number of account we was in bankruptcy and we request a line and the send in Faust document and read the attachment and I have so much evidence on their fraudulent and the keep have to escape Their actions because of the people they no. I have never received a notes of default on this case but the conduct a sale and waiting for a RAF. Sale for 15 days I received the sale notice Thursday XX/XX/XXXXthat evening I call all Friday the 11th to get the understanding with the court talk to the judge chamber on the docket XXXX informed me that they mean judge sign the order no long work in foreclosure and I had to call the majesty XXXX on that and all say it nothing on case very say Im in bk and I told them I was not and I was waiting to go to court they say come and file something so I was sick Monday had a doctor appointment and on XX/XX/XXXX I walk in the foreclosure office received a payed for copy of the documents with there information and a receipt on case and file and report I was no long on bankruptcy case we had it lifted I was call that day by Ocwen I told I thought I wan na with PHH and XXXX XXXX he informed me the the same people I told him where o was and Im about to file he start get upset I have to pay all to stay and I wa going be evident and he still did no for sho what I need to bring it up to date I need to call the attorney but I say I give my money to you all and that when he said I call the attorney to get a buy back I ask that what that and he say call then I file my paperwork and when I got home I call the foreclosure office where the paperwork why not on file the next day I see they file something after me and that when I see the attorney ask to be put on hold until XX/XX/XXXX for judge make a judgement on the case that to hold them and get a raffle sale completed but also they still had no right to sale see attachments and still not follow the law I was told to not file with any of these officials or they going really get a sheff evidence for the 15 days when it was to be no soon the 30days they are above the law and they dont follow no ruling orders and have no respect for the law. They not turstworthy and the paperwork is so poor fraued documents they dont even try no more they follow the law if need any more proof the use fraudulent things as well as i -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX  Subject : Fwd : Next Steps - FTC Complaint Assistant To : XXXX XXXX XXXX Circuit Court of Maryland Go Back Now Case Information Court System : Circuit Court for XXXX XXXX XXXX County - Civil System Case Number : XXXX Case Description : XXXX vs XXXX Case Type : Property Filing Date:XX/XX/XXXX Case Status : Inactive Defendant/Respondent Information Party Type : DefendantParty No. :2 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXXState : MDZip Code:XXXX Party Type : DefendantParty No. :3 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXXState : MDZip Code:XXXX Attorney Information Name : XXXX XXXX Attorney Type : Attorney Address : XXXX XXXX XXXX City : XXXXState : MDZip Code:XXXX Other Party Information Party Type : Substitute TrusteeParty No. :1 Name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Court Scheduling Information Event Type : Status Hearing Event Date : XX/XX/XXXXStart Time:XXXX Result : Status Conference HeldResult Date:XX/XX/XXXX Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Dockets ( Each Document listed. Documents are listed in Document No./Sequence No. order ) Date : XX/XX/XXXX Document Name : CaseType : Foreclos of Deed Tr Docket Text : Date : XX/XX/XXXX Document Name : Forclsure Eligible for Mediatn Docket Text : Date : XX/XX/XXXX Document Name : Order To Docket Foreclosure Fd Docket Text : 001 proceeding to forc d/t on XXXX XXXX with attachments fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Forclsure/Prel Loss Mitgtn Aff Docket Text : 002 fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 003 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXXDate : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 004 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit, Fd. \nDocket Text : 005 Affidavit of Mailing - As to All Occupants F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Deed of Appt/Appt of Sub Tr Fd Docket Text : 006 fd. kbp e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Forclsure/Finl Loss Mitgtn Aff Docket Text : 007 fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bond Approved and Filed. \nDocket Text : 008 Bonds XXXX with attachments fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Not To Pty Contemp Dis Case Fd Docket Text : 009 fd.md Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 010 No attachments, fd.md ( Tagged for XXXX ) e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 011 Order of Court dated XX/XX/XXXX, Judge XXXX, ORDERED that the motion is granted and ORDERED that dismissal of this action be and hereby is DEFERRED for 90 days, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case, fd.md cc : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 012 fd, amk ( tagged for XXXX ) Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 013 Order of Court dated XX/XX/XXXX,  Judge XXXX, ORDERED, that the motion is GRANTED and dismissal of this action be, and hereby is, DEFERRED for 90 DAYS, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case. FD.LT Copies mailed to : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 014 fd/rja e XX/XX/XXXX Motion to Defer Dismissal ( tagged for Judge XXXX ) Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 015 fd.mdm e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Notice of Hearing, filed Docket Text : 016 Notice of Hearing XX/XX/XXXX Status Hearing XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 017 Order of Court signed by Judge XXXX on XX/XX/XXXX ORDERED that Plaintiffs XXXX Motion to Defer Dismissal is deemed MOOT ; and it is further ORDERED that this proceeding be and hereby is automatically STAYED pending bankruptcy ; and it is further ORDERED that the Substitute Trustees ' shall forthwith advise the court in writing when the automatic stay is lifted ; and it is further ORDERED that this matter be set in on XX/XX/XXXXat XXXX for a status hearing to determine the status of Defendant 's bankruptcy cc : XXXX XXXX , XXXX XXXX , XXXX XXXX by XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Status Conference Held Docket Text : Date : XX/XX/XXXX Document Name : Civil Daily Sheet, Filed Docket Text : 018 fd/db Judge XXXX, XX/XX/XXXX, XXXX Judge XXXX ; XXXX XXXX Status hearing held Case stayed-bankrutpcy pending Other : bankruptcy case summary filed e XX/XX/XXXX Date : XX/XX/XXXXDocument Name : Order Stay Pending Bank, fd Docket Text : case stayed pending bankrupcty per daily sheet Date : XX/XX/XXXX Document Name : Order Stay Pending Bank, fd Docket Text : 019 Order of court dated XX/XX/XXXX  Judge XXXX, Ordered, that this proceeding be and hereby is automatically Stayed pending bankruptcy, and it is further, Ordered, that the plaintiffs ' counsel shall file a written status update with the court regarding the status of defendant 's bankruptcy three months after the date of this order and every three months  thereafter until the stay is lifted, and it is further, Ordered, that the substitute Trustees shall forthwith advise the court, in writing, when the automatic stay is lifted, and it is further Ordered, that failure of plaintiffs to advise the court as to when the automatic stay is lifted may result in the dismissal of this matter without prejudice fd.kss eXX/XX/XXXX copies mailed from chambers Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 020 line to withdraw suggestion of bankruptcy, fd.tng e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 021 Case No. XXXX fd, aj eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 022 case no. XXXX fd.aj e.XX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 023 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 024 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 025 motion to defer dismissal fd.kss eXX/XX/XXXX ( tagged for XXXX XXXX With hold until XX/XX/XXXX ) Date : XX/XX/XXXX Document Name : Motion To Stay, Fd. \nDocket Text : 027 Defendant 's motion for temporary stay of the foreclosure sale pending a full hearing on defendant 's motion to stay and dismiss foreclosure action fd.kss eXX/XX/XXXX ( Tagged for XXXX XXXX ) Date : XX/XX/XXXX Document Name : Motion To Dismiss, Fd. \nDocket Text : 026 defendant motion to dismiss with attachments fd.kss eXX/XX/XXXX ( Tagged for XXXX. XXXX ) This is an electronic case record. Full case information can not be made available either because of legal restrictions on access to case records found in Maryland Rules, or because of the practical difficulties inherent in reducing a case record into an electronic format. \n\n\n-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX  Subject : Next Steps - FTC Complaint Assistant To : XXXX Next Steps - FTC Complaint Assistant Print FTC Report FTC Report Number : XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it ocwen filed a  forclouse on my home in XXXX and about XXXX the case was to be closed but i was also in bankruty at the same time and my home trustee ( XXXX XXXX ) work for XXXX, XXXX XXXX XXXX as well as the attorney XXXX XXXX the company is also a debit collect agency the file and keep going with the paperwork and had a hearing when we was in bankrupty court they have file the flase deed of trust i call the office and told them i was pay my bk and send ocwen money so the can use that case the need to refile with tha correct acount and the stop take my payment sen back as well as i talk to Ms XXXX and i told it was the woronge paperwork she say she dont have to file that corrct paper work as will as i will get a credit after the home would be stoled and that XX/XX/XXXX i receied a substitue trustee sale for XX/XX/XXXX bevcaue of a default for XX/XX/XXXX and my home was a prime loan i was pay XXXX a moth first. until we recvie a mod i file a consumer compaltint and the have been file false paprrwork we had only one and the made me pay a down payment and the was to file some thing incourt but the court did recevie nothing until the same date i file XX/XX/XXXX and the file the same and adk to hold my motion and my edvince and they paperwork until XX/XX/XXXX after the sale would be raf. and they have majesty o that some day im in court the morgat. company call me and was on the for with me for two hour acting threating we going sell your home you have to pay. all now never tell me what to pay because the have receid payment and they dont really no when i say i was in the court the then say i can redemybit but i have to call the lawyer office about that money okay when i call it no redem. and it other things to How It Started Date fraud began : Amount I was asked for : Amount I paid : XX/XX/XXXX XXXX Payment Used : How I was contacted : Money Order Mobile : Text/E-Mail/IM Who Is Your Complaint About Company/Individual 1 Name : Ocwen loan services/XXXX XXXX XXXX XXXX Address : Apt/PO Box : City : State : Zip : Email Address : Phone : Website : Representative : https : //www.ftccomplaintassistant","date_sent_to_company":"2020-02-18T14:13:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"3512981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2020-01-29T04:49:11.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["OF THE PERSON OR ENTITY THAT I AM COMPLAINING ABOUT : Ocwen loan servicing llc / PHH mortgage/ <em>XXXX</em> <em>XXXX</em> mortgage and attorneys and trustee office <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> ( If more than one , use separate <em>Complaint</em> Form for each <em>complainant</em> ) <em>Name</em> : Work # : Cell # : Fax # : Street Address : City/Town/State : Zip Code : E-mail Address : <em>Complaint</em> Form XX/XX/<em>XXXX</em> Page 5 of 6 <em>Complaint</em> <em>Narrative</em> : Did you contact the person or entity about your <em>complaint</em>?"]},"sort":[7.826125,"3512981"]},{"_index":"complaint-public-v1","_id":"18257143","_score":7.257106,"_source":{"product":"Mortgage","complaint_what_happened":"FAX COVER SHEET FAX : XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX : XXXX Phone : XXXX TO : Shellpoint Mortgage Servicing XXXX Department XXXX XXXX XX/XX/XXXX TOTAL PAGES ( Including Cover ) : XXXX RE : RESPA / Qualified Written Request ( QWR ) Rebuttal Loan Servicer : NewRez LLC XXXX Shellpoint Mortgage Servicing Property : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois MESSAGE Please find attached a formal rebuttal to Shellpoint Mortgage Servicings correspondence dated XX/XX/XXXX, addressing ongoing noncompliance with 12 C.F.R. 1024.36 and Shellpoints improper conditioning of its statutory duties. \n\nThis fax is transmitted to preserve the record, document continued noncompliance, and ensure proper receipt by the XXXX Department. \n\nThis matter is time-sensitive. \nPlease acknowledge receipt by email. \n\nSENT BY : 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 Illinois XXXX XXXX XXXX XXXX : XXXX Phone : XXXX To : SHELLPOINT MORTGAGE SERVICING XXXX DEPARTMENT XXXX XXXX XXXX, SC XXXX FAX : XXXX RESPA QWR REBUTTAL SHELLPOINT MORTGAGE SERVICING Subject : CFPB Rebuttal Shellpoint Mortgage Servicing : Pattern of Contradictory and Misleading Responses ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Consumer Financial Protection Bureau XXXX XXXX Team Re XXXX CFPB XXXX XXXX XXXX XXXX Servicer : NewRez LLC XXXX Shellpoint Mortgage Servicing Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois To Whom It May Concern XXXX This submission is a formal rebuttal to Shellpoint Mortgage Servicings most recent response dated XX/XX/XXXX, authored by XXXX XXXX, XXXX Department, and to Shellpoints XXXX written responses submitted to the Illinois Department of Financial and Professional Regulation ( IDFPR ) on XX/XX/XXXX, and to the CFPB on XX/XX/XXXX and XX/XX/XXXX. \nShellpoints responses, taken together, demonstrate a pattern of contradictory factual assertions, selective disclosures, and evasive disclaimers, all issued by the same compliance agent despite repeated notice of document defects and inconsistencies. These defects were never cured prior to foreclosure and sheriffs sale. \n\n\nI. Same Compliance Agent, Repeated After Notice All XXXX responses ( XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were authored or affirmed by XXXX XXXX on behalf of Shellpoints XXXX Department. As a result : Shellpoint can not claim lack of knowledge, clerical error, or misunderstanding. \nRepetition of disputed statements after notice constitutes knowing adoption of those statements. \nThis establishes a pattern, not an isolated mistake. \n\nXXXX. Contradictory and Misleading Origination Assertions In the XX/XX/XXXX, response, Shellpoint states : This loan originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX. \nHowever, Shellpoint has been repeatedly notified that : There are multiple mortgage versions associated with this loan ; XXXX version was reprinted and recorded after the Note ; The Note and Mortgage do not match ; The XX/XX/XXXX, mortgage is the disputed and altered instrument. \nShellpoints continued assertion of a single undisputed origination datewithout addressing the existence of conflicting instrumentsmisrepresents the record and improperly adopts a contested document as controlling. \n\nXXXX. Admission of a Fatal NoteMortgage Discrepancy Shellpoint again admits in its XX/XX/XXXX response : XXXX XXXX, XXXX XXXX and you signed the Mortgage However, XXXX XXXX name does not appear on the Note. \nThis is not explanatory ; it is an admission that : The Mortgage encumbers the property using a party not obligated on the debt ; The Note and Mortgage are nonconforming ; Foreclosure proceeded on mismatched collateral documents. \nNone of Shellpoints responses reconcile this defect, despite acknowledging it across multiple submissions. \n\nXXXX. Improper Reliance on QWR Scope to Avoid Substantive Answers Across its responses, Shellpoint repeatedly claims that inquiries regarding origination, document integrity, or chain of title fall outside the scope of a Qualified Written Request ( QWR ). \nThis position is misapplied where : The servicer is actively enforcing the loan ; The servicer is relying on specific documents to collect payments and foreclose ; The borrower disputes the accuracy of servicing records and instruments used to service the loan. \nShellpoint can not simultaneously enforce disputed documents and disclaim responsibility for their accuracy. \nSince XX/XX/XXXX, Shellpoint has failed to produce the servicing records expressly requested in my Qualified Written Requests under 12 C.F.R. 1024.351024.36, including but not limited to the full life-of-loan payment and escrow ledgers ; master servicing and sub-servicer transaction logs ; investor, trust, and remittance ledgers identifying all entities receiving or crediting payments ; the complete collateral file and identification of the current document custodian ; all servicing transfer and boarding records ; proof of ownership and authority to enforce the note and mortgage as of the date the foreclosure complaint was filed ; written explanations for each loan number associated with the account ; and a complete accounting and justification for all post-filing fees and charges assessed. This failure also includes Shellpoints refusal to reconcile or substantiate its admitted discrepancy that XXXX XXXX appears as a signatory on the recorded Mortgage but not on the Note, including the absence of any signed debt instrument evidencing his liability, authentic signature affidavits, notary journals or certifications for XX/XX/XXXX, or identification of any party who added or authorized his name post-closing. Instead, Shellpoint has issued only generic validation-of-debt correspondence, mischaracterized the scope of my requests, and deferred its statutory obligations. \n\nXXXX. Inconsistent Disclaimers of Knowledge While Enforcing the Loan In the XX/XX/XXXX response, Shellpoint states it does not have knowledge of the loan closing or other aspects of the loan unrelated to servicing, while also asserting detailed factual narratives regarding origination, borrower identity, payment history, and foreclosure authority. \nThis is internally inconsistent. Once Shellpoint : Collected payments ; Evaluated loss mitigation; Referred the loan to foreclosure counsel ; Scheduled and completed a foreclosure sale ; it assumed responsibility for verifying the validity of the instruments it relied upon. \n\nXXXX. Improper Identity Theft Burden-Shifting Shellpoint now demands photo identification, a Social Security card , notarized affidavits, and a police report as a precondition to investigating fraud. \nMy dispute does not allege random identity theft. It alleges : Document fabrication and alteration ; Non-matching loan instruments ; Fraudulent adoption of defective documents in servicing and foreclosure. \nRequiring law-enforcement reports under these circumstances is coercive, improper, and inconsistent with consumer protection standards. \n\nXXXX. Foreclosure Proceeded Despite Active, Unresolved Disputes Shellpoint acknowledges that : CFPB and IDFPR complaints were active ; Multiple written disputes were pending ; Document inconsistencies were never resolved ; Yet it proceeded with foreclosure and sheriffs sale while recycling the same disputed factual assertions. This reflects willful noncompliance and bad-faith servicing. \n\nXXXX. Requested CFPB Action I respectfully request that the CFPB : Reject Shellpoints XX/XX/XXXX, response as non-responsive and misleading ; Require Shellpoint to reconcile its contradictory statements across XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; Compel Shellpoint to identify which mortgage and note it relied upon to foreclose, and why ; Escalate this matter for supervisory review, given the repeated misrepresentations by the same compliance agent ; Preserve this rebuttal as part of the official CFPB record. \nShellpoints responses demonstrate a clear pattern of contradiction, evasion, and reliance on disputed instruments. The XX/XX/XXXX submission does not cure these defectsit compounds them. \n\nRespectfully submitted, XXXX XXXX XXXX/ Complainant Date : XX/XX/XXXX 2025","date_sent_to_company":"2026-01-07T17:00:13.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"60046","tags":null,"has_narrative":true,"complaint_id":"18257143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-12-23T20:23:22.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["The XX/XX/<em>XXXX</em> submission does not cure these defectsit compounds them. \n\nRespectfully submitted, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>/ <em>Complainant</em> Date : XX/XX/<em>XXXX</em> 2025"]},"sort":[7.257106,"18257143"]},{"_index":"complaint-public-v1","_id":"15494710","_score":7.2184663,"_source":{"product":"Checking or savings account","complaint_what_happened":"CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Date : XX/XX/XXXXXXXX  Complaint ID : [ To be assigned by CFPB ] I. CONSUMER IDENTITY AND CONTACT INFORMATION Complainant : XXXX XXXX Preferred Contact Method : Email Email Address : XXXX Location : XXXX, Nevada Authorization and Privacy Disclosure : By submitting this complaint, I authorize the Consumer Financial Protection Bureau ( CFPB ) to send my complaint and supporting documentation to the company identified below. I understand that the CFPB will share my complaint with the company for response, and that information I provide may be subject to publication in the CFPBs Consumer Complaint Database with personally identifiable information removed. I certify that the information provided in this complaint is true and accurate to the best of my knowledge and belief. \nII. FINANCIAL INSTITUTION INFORMATION Institution Name : Wells Fargo Bank , N.A . Claims Department Institution Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Institution RSSD ID : XXXX Dispute Reference Number : # XXXX Account Type : Personal Checking Account with Debit Card Ending in XXXX Transaction Amount in Dispute : {$1000.00} XXXX. PRODUCT/SERVICE TYPE AND ISSUE CATEGORY Product/Service Type : Bank account or service Sub-product : Debit card Issue Type : Problem with a purchase Sub-issue : Dispute handling and resolution process Secondary Issue : Failure to provide adequate information about dispute status and investigation process IV. DETAILED NARRATIVE OF EVENTS A. Original Transaction Details On XX/XX/XXXX, I purchased an e-scooter from seller XXXX  through XXXX website for {$1000.00}, using my Wells Fargo debit card. At the time of purchase, I contacted XXXX customer service and was explicitly informed that the e-scooter could be returned to a physical XXXX store if necessary. \nB. Attempted Return and Seller/Retailer Failures On XX/XX/XXXX, I attempted to return the e-scooter to a physical XXXX store as previously advised. However, contrary to the information provided during my XX/XX/XXXXXXXX  call, store personnel informed me that this item was not returnable in-store due to its size and weight ( XXXX pounds ). This contradictory information began a series of unsuccessful attempts to facilitate a return. \nFollowing the in-store rejection, I immediately contacted both XXXX and the seller XXXX via email and seven plus calls with XXXX requesting return instructions and freight pickup arrangements, as the e-scooters size and weight make standard shipping impossible. Despite multiple email communications beginning XX/XX/XXXX, and continuing through XX/XX/XXXX, XXXX has consistently refused to arrange for the freight pickup necessary to facilitate the return for unfoldable/defective product. \nXXXX initially promised to arrange a XXXX  freight pickup but subsequently failed to fulfill this commitment, leaving me with no viable means to return the product. This situation is further complicated by my documented medical condition, as I have a left shoulder injury that restricts me from lifting more than XXXX pounds, making personal transportation of a XXXX e-scooter physically impossible and medically contraindicated. \nC. Wells Fargo Dispute Filing and Handling Between XX/XX/XXXX and XX/XX/XXXX, I filed a formal dispute with Wells Fargo ( dispute # XXXX ) regarding this transaction. I provided Wells Fargos claims department with comprehensive documentation including : 1. Email communications with XXXX demonstrating their refusal to facilitate a return 2. Email communications with XXXX showing their failure to arrange the promised freight pickup 3. Medical documentation ( appropriately redacted ) confirming my lifting restrictions 4. A transcript of my XXXX XXXX XXXX  call with XXXX customer service representative XXXX, who explicitly advised me to proceed with the Wells Fargo dispute based on the evidence I had compiled Despite providing this extensive documentation, Wells Fargo has failed to provide adequate information regarding the status of my dispute investigation, the evidence they have gathered from all parties, or the criteria they are using to evaluate my claim. While Wells Fargo has acknowledged that an investigation is ongoing, they have not provided a timeline for resolution or a comprehensive explanation of their investigation process. \nV. WELLS FARGOS DISPUTE HANDLING DEFICIENCIES A. Failure to Provide Adequate Investigation Status Information Since filing my dispute between XXXX XXXX XXXX Wells Fargo has failed to provide transparent and detailed information regarding : 1. The current status of the investigation beyond acknowledging it is ongoing 2. The specific evidence they have gathered from me, the seller XXXX, and XXXX 3. How this evidence is being evaluated in relation to applicable regulations and bank policies 4. The anticipated timeline for investigation completion 5. The specific criteria being used to determine the outcome of my dispute B. Lack of Transparency in Evidence Evaluation Process Wells Fargo has not disclosed : 1. Whether they have contacted XXXX and XXXX to verify my account of events 2. How they are evaluating the documented evidence of the sellers and Walmarts failure to facilitate a return 3. Whether they are considering my medical documentation demonstrating physical inability to return the item without freight pickup 4. The weight they are giving to XXXX customer service representative XXXX explicit recommendation to pursue this dispute C. Insufficient Communication Regarding Decision Criteria Wells Fargo has failed to provide : 1. Clear explanation of the standards and criteria being applied to my dispute 2. Information about how they evaluate disputes involving third-party sellers on e-commerce platforms 3. Transparency regarding how they assess situations where physical return of merchandise is impossible due to seller/retailer failure to facilitate return logistics 4. Explanation of how medical limitations affecting return capability are factored into their decision-making process VI. REGULATORY VIOLATIONS AND COMPLIANCE ISSUES A. Electronic Fund Transfer Act Requirements Wells Fargos handling of this dispute appears to violate several provisions of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), including : 1. Failure to provide adequate information about the investigation process 2. Lack of transparency regarding evidence collection and evaluation 3. Insufficient communication regarding investigation status and timeline B. Regulation E Investigation Standards Under 12 CFR Part 1005 ( Regulation E ), financial institutions are required to : 1. Conduct a thorough investigation of alleged errors 2. Review all relevant information provided by the consumer 3. Determine whether an error occurred 4. Report the results of the investigation to the consumer 5. Provide copies of documentation relied upon in reaching their determination, if requested Wells Fargos failure to provide comprehensive information about their investigation process and the evidence they are considering appears to fall short of these regulatory requirements. \nC. Consumer Financial Protection Act Obligations The Consumer Financial Protection Act of XXXX establishes standards for transparent, fair, and responsive handling of consumer financial disputes. Wells Fargos lack of transparency and failure to provide adequate information about the dispute investigation process may constitute unfair, deceptive, or abusive acts or practices under this legislation. \nVII. SUPPORTING DOCUMENTATION I have provided Wells Fargo with the following documentation, which I am prepared to submit to the CFPB upon request : 1. Email communications with seller HLOIE demonstrating their refusal to facilitate a return 2. Email communications with XXXX showing their failure to arrange the promised freight pickup 3. Transcript of my XXXX XXXX XXXX call with XXXX customer service representative XXXX XXXX XXXX Medical documentation ( appropriately redacted ) confirming my lifting restrictions of no more than XXXX pounds XXXX. Wells Fargo XXXX acknowledging the ongoing investigation 6. Documentation of my attempts to resolve this issue directly with Wells Fargos claims department between XX/XX/XXXX, and the date of this complaint VIII. DESIRED RESOLUTION AND CFPB ACTION REQUESTED A. Specific Four-Page Investigation Report Requirement I respectfully request that the CFPB require Wells Fargo to provide me with a comprehensive four-page investigation report detailing : 1. All evidence gathered from me, the seller XXXX, and XXXX regarding this dispute 2. A thorough explanation of how this evidence has been evaluated 3. The specific criteria and standards being applied to determine the outcome of my dispute 4. A detailed timeline of the investigation process to date and anticipated completion 5. Multiple four-to-six sentence paragraphs explaining the decision criteria and how evidence was evaluated This report should be provided to me BEFORE Wells Fargo finalizes their decision on my dispute claim.\n\nB. Review of Wells Fargos Dispute Handling Procedures I request that the CFPB conduct a review of Wells Fargos dispute handling procedures to ensure compliance with : 1. Electronic Fund Transfer Act requirements for dispute investigation and resolution 2. Regulation E standards for error resolution and investigation 3. Consumer Financial Protection Act provisions regarding fair and transparent financial services 4. Industry best practices for consumer dispute resolution C. Compliance Assessment with Federal Regulations I request that the CFPB assess whether Wells Fargos handling of my dispute complies with applicable federal regulations, particularly regarding : 1. Transparency in the investigation process 2. Communication of investigation status and findings 3. Consideration of all relevant evidence 4. Fair and impartial evaluation of dispute claims 5. Timely resolution of consumer disputes I appreciate the CFPBs attention to this matter and look forward to a fair and transparent resolution of my complaint. \nRespectfully submitted, XXXX XXXX Date : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-08-25T19:45:43.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"89509","tags":null,"has_narrative":true,"complaint_id":"15494710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-25T19:37:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["CONSUMER <em>COMPLAINT</em> TO THE CONSUMER FINANCIAL PROTECTION BUREAU Date : XX/XX/XXXXXXXX  <em>Complaint</em> ID : [ To be assigned by CFPB ] I. CONSUMER IDENTITY AND CONTACT INFORMATION <em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> Preferred Contact Method : Email Email Address : <em>XXXX</em> Location : <em>XXXX</em>, Nevada Authorization and Privacy Disclosure : By submitting this <em>complaint</em>, I authorize the Consumer Financial Protection Bureau ( CFPB ) to send my <em>complaint</em> and supporting documentation to the company identified below."]},"sort":[7.2184663,"15494710"]},{"_index":"complaint-public-v1","_id":"21209351","_score":6.9205804,"_source":{"product":"Mortgage","complaint_what_happened":"DOCUMENT XXXX : FORMAL APPEAL CARRINGTON MORTGAGE SERVICES XX/XX/year> Carrington Mortgage Services , LLC Loss Mitigation Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, CA XXXX Also submitted online at : www.carringtonmortgage.com ( Mortgage Assistance ) Re : FORMAL APPEAL OF LOSS MITIGATION DENIAL Loan Number : XXXX Borrower : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CO XXXX Decision Being Appealed : Loss Mitigation Evaluation Notice, XX/XX/year> Appeal Deadline : XX/XX/year> Dear Loss Mitigation Review Team, I am formally appealing the Loss Mitigation Evaluation Notice dated XX/XX/year>, in which my application for forbearance and related workout options was denied. I am submitting this appeal within the 30-calendar-day window and respectfully request that my file be reviewed by a different evaluator than the one who issued the original decision, as required under applicable federal guidelines.\n\nThis appeal is based on three grounds : ( 1 ) the income figure used in the evaluation does not accurately reflect my actual income ; ( 2 ) the denial of the Repayment Plan was calculated using that same incorrect income baseline ; and ( 3 ) a Notice of Intent to Foreclose was issued while this appeal was already pending, which I address separately in the CFPB complaint filed concurrently with this appeal.\n\nGROUND 1 : INCOME USED IN EVALUATION WAS INACCURATE Your notice states that the income used in this evaluation was {$7500.00} net / {$9400.00} gross. This figure does not reflect my actual income and appears to have been drawn exclusively from the period of documented temporary hardship.\n\nI am a published author with over 110 published books. My income arrives in scheduled lump-sum payments on a 90-day delay, as well as contract advances paid on pre-established dates. A single month 's bank statement does not reflect current business health it reflects revenue from 90 days prior. \nMy signed Business Profit and Loss Statement, dated XX/XX/year> and enclosed with this appeal, documents the following : Month Gross Income Net Income XX/XX/year> {$18000.00} - {$600.00} ( savings used ) XX/XX/year> {$60000.00} {$57000.00} ( brought mortgage current ) XX/XX/year> {$30000.00} {$11000.00} XX/XX/year> ( projected ) {$40000.00} {$21000.00} XX/XX/year> ( projected ) {$61000.00} {$42000.00} XX/XX/year> ( projected ) {$61000.00} {$42000.00} XX/XX/year> ( projected ) {$230000.00} {$210000.00} Evaluating my application using only the lowest period of a documented temporary hardship while disregarding the forward-looking income documentation I submitted does not constitute a complete evaluation as required under CFPB Regulation X ( 12 CFR 1024.41 ).\n\nGROUND 2 : REPAYMENT PLAN DENIAL BASED ON SAME INCORRECT FIGURE Your notice states that the Repayment Plan was denied because XXXX % of net surplus income is not sufficient to cure the delinquency within a six month period. ' This calculation was based on the incorrect {$7500.00} net income figure. At my documented XX/XX/year> net income of {$42000.00}, curing a two-month delinquency within six months is entirely achievable. I respectfully request this option be re-evaluated using accurate income figures. \nGROUND XXXX : GOOD FAITH PAYMENT ARRANGEMENT IN PLACE Following receipt of the foreclosure notice, I contacted Carrington by phone. A Carrington representative advised me to schedule payments on specific dates to avoid 60-day delinquency while my appeal is pending. I have done so, with the following confirmed arrangements : Payment Date Purpose Confirmation # XX/XX/year> XXXX mortgage payment XXXX XX/XX/year> XXXX mortgage payment XXXX XX/XX/year> XXXX mortgage payment XXXX These confirmed payment arrangements further demonstrate my good faith and commitment to retaining my home and honoring my mortgage obligation. \nWHAT I AM REQUESTING I respectfully request : ( 1 ) a full re-evaluation using accurate income documentation enclosed herewith ; ( 2 ) approval of a two-month forbearance for XXXX and XX/XX/year>, with resumption of regular payments beginning XX/XX/year> ; and ( 3 ) in the alternative, approval of a Repayment Plan re-evaluated using correct income figures.\n\nI respectfully request a written response within the timeframe required under federal mortgage servicing rules. A CFPB complaint has been filed concurrently with this appeal. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX ( XXXX ) XXXX XX/XX/year> Enclosures : Signed Business Profit and Loss Statement ( XXXX XXXX XXXX XXXX XXXX ), XX/XX/year> Copy of Loss Mitigation Evaluation Notice, XX/XX/year> Copy of Notice of Intent to Foreclose, XX/XX/year> CFPB Complaint ( filed concurrently ) Colorado Attorney General Complaint ( filed concurrently ) DOCUMENT 2 : CFPB COMPLAINT NARRATIVE For submission at : consumerfinance.gov/complaint BORROWER AND LOAN INFORMATION Borrower Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Number XXXX Servicer Carrington Mortgage Services , LLC Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trustee of XXXX XXXX XXXX XXXX XXXX Complaint Date XX/XX/year> SUMMARY OF COMPLAINT I am filing this complaint against Carrington Mortgage Services , LLC for three related violations : ( 1 ) use of inaccurate income figures in evaluating my forbearance application, resulting in wrongful denial ; ( 2 ) issuance of a Notice of Intent to Foreclose while my formal appeal was actively pending, in violation of the dual-tracking prohibition under 12 CFR 1024.41 ( g ) ; and ( 3 ) failure to conduct a complete evaluation of my financial circumstances as required under CFPB Regulation X.\n\nISSUE 1 : WRONGFUL DENIAL BASED ON INACCURATE INCOME On XX/XX/year>, I submitted a forbearance reapplication with a signed Business Profit and Loss Statement demonstrating my income recovery. On XX/XX/year>, Carrington denied all workout options except Home Liquidation, using an income figure of {$7500.00} net / {$9400.00} gross that does not correspond to any month in my submitted documentation. \nMy actual documented income beginning in XX/XX/year> exceeds {$42000.00} net per month. Carrington evaluated only my hardship period while disregarding submitted forward-looking income documentation, in violation of the complete-evaluation requirement under 12 CFR 1024.41. \nISSUE 2 : DUAL-TRACKING VIOLATION On XX/XX/year> one day after issuing its denial and with my formal appeal confirmed on file Carrington issued a Notice of Intent to Foreclose demanding {$25000.00} by XX/XX/year>2026. Under 12 CFR 1024.41 ( g ), a servicer is prohibited from advancing foreclosure while a loss mitigation appeal is pending. This is a dual-tracking violation. \nAlso on XX/XX/year>, XXXX acknowledged receipt of my Notice of Error / Qualified Written Request submitted via their website. The simultaneous issuance of a foreclosure notice while an appeal and a QWR were both pending reflects a failure of coordinated review that Regulation X is designed to prevent.\n\nISSUE 3 : CONFIRMED PAYMENT ARRANGEMENT A Carrington representative advised me to schedule payments on specific dates to avoid 60-day delinquency while my appeal is pending. Three payments were confirmed with the following reference numbers : Payment Date Purpose Confirmation # XX/XX/year> XXXX mortgage payment XXXX XX/XX/year> XXXX mortgage payment XXXX XX/XX/year> XXXX mortgage payment XXXX A servicer whose own representative created a payment arrangement to protect the borrower from further delinquency should not simultaneously be advancing foreclosure. I request that no 60-day delinquency be reported to credit bureaus while this confirmed plan is in place.\n\nRELIEF REQUESTED Investigate Carrington for the dual-tracking violation under 12 CFR 1024.41 ( g ) Require re-evaluation of my application using accurate, complete income documentation Require Carrington to suspend foreclosure activity while this complaint and my appeal ( deadline XX/XX/year> ) are pending Review whether the {$25000.00} reinstatement figure is accurately calculated Ensure no 60-day delinquency is reported to credit bureaus while the confirmed payment plan is active DOCUMENTS AVAILABLE TO SUPPORT THIS COMPLAINT Loss Mitigation Evaluation Notice XX/XX/year> Notice of Intent to Foreclose XX/XX/year> QWR/Notice of Error acknowledgment email XX/XX/year> Formal Appeal Letter XX/XX/year> Signed Business Profit and Loss Statement XX/XX/year> Forbearance Reapplication Letter XX/XX/year> Payment confirmation numbers : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX XX/XX/year> DOCUMENT 3 : COLORADO ATTORNEY GENERAL COMPLAINT For submission at : coag.gov/car | Colorado Attorney General Consumer Credit Unit COMPLAINANT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX Email XXXX Phone ( XXXX ) XXXX COMPANY BEING COMPLAINED ABOUT Company Name Carrington Mortgage Services , LLC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX, CA XXXX Phone XXXX Loan Number XXXX DESCRIPTION OF COMPLAINT I am a Colorado homeowner filing this complaint against Carrington Mortgage Services , LLC regarding the improper handling of my loss mitigation application and the issuance of a foreclosure notice in violation of federal mortgage servicing law. \nOn XX/XX/year>, I submitted a forbearance reapplication with full income documentation demonstrating my financial recovery. On XX/XX/year>, Carrington denied all retention options except Home Liquidation, using an income figure of {$9400.00} gross that does not match any month in my submitted documentation. My documented net income beginning XX/XX/year> exceeds {$42000.00} per month. Carrington 's failure to evaluate my complete financial picture violates CFPB Regulation X ( 12 CFR 1024.41 ). \nOn XX/XX/year> XXXX day after the denial and with my formal appeal confirmed on file Carrington issued a Notice of Intent to Foreclose under Colorado Revised Statutes XXXX ( XXXX ) ( d ), demanding {$25000.00} by XX/XX/year>. Issuing a foreclosure notice while a loss mitigation appeal is pending constitutes dual-tracking in violation of XXXX CFR 1024.41 ( g ). \nAlso on XX/XX/year>, Carrington acknowledged receipt of a Notice of Error / Qualified Written Request I submitted via their website. Despite having an active appeal, an active QWR, and a confirmed payment arrangement in place, Carrington continued to advance foreclosure action against a Colorado homeowner. \nA Carrington representative subsequently advised me to schedule three payments to avoid 60-day delinquency, which I did with the following confirmed reference numbers : XX/XX/XXXX ( # XXXX ), XX/XX/XXXX ( # XXXX ), and XX/XX/XXXX ( # XXXX ). A servicer that created a payment arrangement to protect the borrower from further delinquency should not simultaneously be advancing foreclosure proceedings. \nRELIEF REQUESTED FROM THE COLORADO ATTORNEY GENERAL Investigate Carrington Mortgage Services for violations of Colorado mortgage servicing laws and CFPB Regulation X Require Carrington to suspend foreclosure action while the pending appeal ( deadline XX/XX/year> ) and federal complaint are resolved Require Carrington to re-evaluate my loss mitigation application using accurate, complete income documentation Ensure no adverse credit reporting occurs while a servicer-confirmed payment plan is actively in place Review whether the {$25000.00} reinstatement amount includes improper fees or charges A concurrent complaint has been filed with the CFPB at XXXX. All supporting documentation is available upon request. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX ( XXXX ) XXXX XX/XX/year> 2026","date_sent_to_company":"2026-04-14T01:36:46.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"80132","tags":null,"has_narrative":true,"complaint_id":"21209351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2026-04-14T01:30:00.000Z","state":"CO","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["GENERAL <em>COMPLAINT</em> For submission at : coag.gov/car | Colorado Attorney General Consumer Credit Unit <em>COMPLAINANT</em> INFORMATION <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> CO <em>XXXX</em> Email <em>XXXX</em> Phone ( <em>XXXX</em> ) <em>XXXX</em> COMPANY BEING COMPLAINED ABOUT Company <em>Name</em> Carrington Mortgage Services , LLC Address <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> Phone <em>XXXX</em> Loan Number <em>XXXX</em> DESCRIPTION OF <em>COMPLAINT</em> I am a Colorado homeowner filing this <em>complaint</em> against Carrington Mortgage Services"]},"sort":[6.9205804,"21209351"]},{"_index":"complaint-public-v1","_id":"15918753","_score":6.374918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA/Reg V Violations & Missing Evidence ( XXXX Denial Dated XX/XX/XXXX ) Consumer : XXXX XXXX XXXX XXXX XXXX ( legal name on TX drivers license & Social Security card ) Companies : XXXX, XXXX ( furnisher ) ; XXXX  ( collector for XXXX ) ; Experian ( CRA ) Affirm Loan IDs in dispute : XXXX, XXXX, XXXX, XXXX Key identity fact : XXXX XXXX ( no suffix ) is a different person XXXX XXXX XXXX ( XXXX ) died XX/XX/XXXX XXXX These items are misattributed to me due to suffix omission/mixed file. \n\nI submit this addendum to address XXXX XX/XX/XXXX denial email ( copied below ). That email is a template-style rejection that does not meet the FCRA and Regulation V standards for accuracy and investigation, and it omits statutory records I am entitled to as an identity-theft victim. \n\nA ) Violations & Deficiencies 1 ) Unreasonable Investigation FCRA 623 ( b ) ; Reg V, 12 C.F.R. 1022.43 ( Direct Disputes ) XXXX  letter asserts conclusions ( identical IP/device/purchasing patterns, repayment history indicates authorization, associate/household member ) but provides no underlying evidence. A furnisher must conduct a reasonable investigation, review all relevant information I provided ( FTC Identity Theft Report, government ID, SSN card, death record for Sr. ), and resolve inaccuracies. Boilerplate conclusions without evidence do not satisfy 623 ( b ) or Reg V 1022.43. \n\n2 ) Accuracy/Identity Mismatch FCRA 623 ( a ) ( 1 ) ( no reporting of information known or reasonably should be known to be inaccurate ) XXXX  continues to treat XXXX XXXX ( no suffix ) as if it were me, XXXX XXXX XXXX XXXX XXXX. Failing to reconcile the suffix and the fact that XXXX XXXX ( Sr. ) is deceased ( XX/XX/XXXX ) shows an identity mismatch/mixed file and undermines accuracy obligations. \n\n3 ) Failure to Furnish With a Dispute Notation FCRA 623 ( a ) ( 3 ) The denial states that loan and payment information will be reported to the credit bureau on a regular basis, but does not confirm the required dispute notation. A furnisher that continues to report disputed information must clearly communicate that the item is disputed. Omission violates 623 ( a ) ( 3 ).\n\n4 ) Failure to Provide Identity-Theft Records FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) As an identity-theft victim, upon request I am entitled to application and transaction records for the disputed accounts within 30 days. XXXX  denial letter includes none of the required records ( see Section B below ) and does not acknowledge this obligation.\n\n5 ) Identity-Theft Blocking & Collections FCRA 605B ( CRA duty ) & 615 ( f ) ( no sale/transfer/collection after 605B notice ) Once a CRA issues a 605B block/notice that a tradeline resulted from identity theft, no one may sell, transfer, or place the debt for collection ( with limited exceptions ). XXXX denial ignores this and states ongoing reporting/collections. I have submitted ( or am submitting ) a 605B block request to Experian ; upon notice, 615 ( f ) bars continued placement/collection.\n\n6 ) Policies & Procedures Deficiencies Reg V 1022.42 Furnishers must maintain written policies and procedures to ensure accuracy and integrity of furnished information. The failure to reconcile the legal name/suffix, to provide 609 ( e ) records, and to rely on generic assertions suggests deficient policies/procedures. \n\n7 ) Frivolous or Irrelevant Dispute Notice Reg V 1022.43 ( f ) If a furnisher deems a direct dispute frivolous, it must notify the consumer within 5 business days, explain why, and what additional information is needed. XXXX  denial does not contain this notice. Therefore, it can not rely on a frivolous designation to avoid a proper investigation. \n\nB ) Statutory Records XXXX  Should Have Produced ( but didnt ) Required by 609 ( e ) and necessary to show a reasonable investigation : Application & Identity Evidence for each loan Full application ( exact name string captured, including suffix ) E-signature/consent audit logs ( timestamps, IP addresses, device IDs/fingerprints, geolocation, terms presented ) XXXX results, phone/email ownership at origination, address verification, any ID images or liveness checks Transaction & Merchant/POS Detail Merchant name/location, POS store ID, virtual card token and authorization records , AVS/CVV results, shipping/pickup addresses, refund logs Account-Use & Device Telemetry Login history, device/SIM history, IP logs, and any comparative analysis supporting the identical IP/device/purchasing pattern claim Dispute-Handling File Internal notes, all materials reviewed, basis for associate/household member theory, and furnishing history showing the item was flagged as disputed after my notice Identity-Theft Compliance Trail Any 605B notices received from CRAs and steps taken to prevent re-reporting ; confirmation of cease-collection consistent with 615 ( f ) once notified C ) Requested CFPB Relief ( in addition to prior requests already on file ) Direct XXXX  to conduct a new, reasonable investigation under 623 ( b ) /Reg V 1022.43, and to produce all 609 ( e ) records listed in Section B. \n\nOrder deletion/blocking of the four XXXX tradelines as identity theft/mixed file ( wrong consumer due to suffix omission ), and require no re-reporting. \n\nRequire XXXX to furnish any interim reporting with a dispute notation under 623 ( a ) ( 3 ) until the items are deleted. \n\nUpon Experians 605B block/notice, require cease-collection and recall from XXXX consistent with 615 ( f ). \n\nRequire XXXX  to correct its internal records to XXXX XXXX XXXX, XXXX only and purge data tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. \n\nProvide me with written deletion letters and confirmation of actions taken. \n\n\n\n\nCFPB Complaint Narrative Identity Theft / Mixed File / Wrong Legal Name ( XXXX  ) Complainant : XXXX XXXX XXXX, XXXX ( my legal name as it appears on my Texas drivers license and Social Security card ). \nNot me : XXXX XXXX ( no suffix ) this is a different person. XXXX XXXX ( XXXX ) died on XX/XX/XXXX. \n\nCompanies : XXXX XXXX XXXX ; XXXX ( third-party collector for XXXX ) ; Experian ( credit reporting ). \nDisputed accounts ( XXXX  XXXX  Card loans ) : XXXX ; XXXX ; XXXX ; XXXX. \nDispute posture : Identity theft / mixed file, wrong legal name, and inaccurate credit reporting. I already uploaded my FTC Identity Theft Report, drivers license, and Social Security card to XXXX and Experian. XXXX nevertheless found me responsible by email on XX/XX/XXXX, without correcting the name error or providing verifiable identity evidence. \n\n1 ) Core issue : XXXX  and/or Experian are attributing accounts reported under XXXX XXXX XXXX no suffix ) to me, XXXX XXXX XXXX XXXX XXXX XXXX  has responded to my prior complaint dated XX/XX/XXXX and attached all their documentation, which further has validated the accuracy of my claim. I have attached all of their documentation which all references \" XXXX XXXX '' not my legal government ID and social security card issued name \" XXXX XXXX XXXX ''. I have submitted this to them multiple times and yet the have failed to accurately review this information. No i am providing there own documentation sent to me dated XX/XX/XXXX so they now have no excuses or legal basis to stand on Using or reporting name-only matches ( or ignoring the Jr. suffix ) is not a reasonable procedure to assure maximum possible accuracy under the FCRA. The CFPB has explicitly warned that name-only matching ( or other inadequate matching ) violates the FCRAs accuracy mandate, and that mixed files commonly result when two consumers share similar names. \n\nWhat this means here : I am XXXX XXXX XXXX, XXXX. The disputed items show XXXX XXXX ( no suffix ). \n\nXXXX XXXX ( XXXX ) is deceased ( XX/XX/XXXX ) he obviously did not open any XXXX accounts. \n\nAny reliance on a name-only or suffix-omitted match is improper and creates a mixed file/identity error, which must be corrected and removed. \n\n2 ) FCRA/Reg V duties XXXX and Experian failed to meet a ) Identity theft blocking and notifications. When a consumer submits an Identity Theft Report and proper ID, CRAs must block the information within 4 business days and notify furnishers ; furnishers must have procedures to prevent re-reporting of blocked identity-theft information. \nLegal Information Institute b ) Furnisher accuracy, correction, and dispute duties ( FCRA 623 / 15 U.S.C. 1681s-2 ; Reg V ) .\n\nA furnisher must not report information it knows or reasonably should know is inaccurate, must correct and update information, and must flag items as disputed when a consumer disputes them.\n\nLegal Information Institute Upon direct dispute, a furnisher must conduct a reasonable investigation, review all relevant information the consumer provided, and finish within the 611 timeframe ( generally 30 days ). If the information is inaccurate, can not be verified, or is identity theft, the furnisher must modify, delete, or permanently block it.\n\nLegal Information Institute Furnishers must maintain reasonable written policies and procedures to ensure accuracy/integrity of furnished data ( Reg V 1022.42 ) and honor direct disputes ( Reg V 1022.43 ). \nConsumer Financial Protection Bureau The CFPB has emphasized that shoddy or superficial investigations of disputes violate the law. \nConsumer Financial Protection Bureau XXXX ) Prohibition on selling/collecting identity-theft debt ( FCRA 615 ( f ) / 15 U.S.C. 1681m ( f ) ). Once notified under 605B that a debt resulted from identity theft, no person may sell, transfer, or place the debt for collection ( subject to limited exceptions ). Any collection by XXXX or continued placement while the identity-theft dispute remains unresolved is improper. \nLegal Information Institute Consumer Advice d ) Name-suffix accuracy in debt collection notices ( Reg F ). For any collection validation notice, the consumers full name including suffix must be used to avoid creating a false, misleading, or confusing impression about identity. Omission of XXXX fails this standard. \nConsumer Financial Protection Bureau 3 ) Why XXXX  XX/XX/XXXX you are responsible determination is inadequate XXXX says loan files bear my electronic signature, but provided no verifiable evidence that XXXX XXXX XXXX, XXXXopened, authorized, or benefited from these transactions. A reasonable investigation in an identity-theft dispute must review underlying evidence, not simply restate internal account screens. The CFPB has made clear that furnishers must conduct bona fide, reasonable investigations and can not dismiss disputes with cursory reviews. \n\nAt a minimum, a reasonable investigation here would includeand has not yet producedthe following identity and authorization evidence tied to XXXX XXXX XXXX XXXX XXXX ( not merely XXXX XXXX XXXX : E-signature and consent audit logs ( timestamped, with IP addresses, device fingerprints, geolocation, and the exact name string captured at signature ). \n\nAccount origination XXXX results XXXX phone/email ownership at origination ; SIM/device history ; address verification ; ID images and liveness checks ( if any ). \n\nMerchant-level artifacts for each XXXX Card transaction ( virtual card token and authorization records, merchant name/location, AVS/CVV results, in-store POS records, delivery/pickup addresses, refund logs ).\n\nAny CRA notifications under 605B that these debts were reported as identity theft and the furnishers procedures to prevent re-reporting. \nLegal Information Institute Without this, XXXX has not met its 623 and Reg V duties and should not continue furnishing or collecting these tradelines. \nLegal Information Institute Consumer Financial Protection Bureau 4 ) Requested CFPB relief Immediate deletion/blocking of the four XXXX  tradelines ( XXXX ; XXXX ; XXXX ; XXXX ) from all CRAs as identity theft / mixed file / wrong consumer ; ensure no re-reporting. \nLegal Information Institute Cease collection & recall from XXXX pursuant to 615 ( f ) ; send written confirmation that these accounts will not be sold, transferred, or placed for collection. \nLegal Information Institute Name correction across all records to reflect my true legal name XXXX XXXX XXXX, XXXX and purge any records tied to XXXX XXXX ( deceased XX/XX/XXXX ) from my file. \nConsumer Financial Protection Bureau Provide to me and the CFPB the complete investigation file and authorization evidence listed in Section 3. \n\nUpdate to CRAs under 623 : mark prior reporting as inaccurate/identity theft, and confirm deletion or permanent block.\n\nLegal Information Institute Written letters of deletion for my records. \n\n5 ) Timeline ( per XXXX  own statements ) accounts I did not open or authorize XXXX asserts four XXXX  Card loans were initiated in XXXX and later charged off in XX/XX/XXXX, then assigned to XXXX. I did not open or authorize these accounts, did not receive goods/services, and disputed them months ago with my FTC Identity Theft Report and government IDs. Any negative credit reporting and collections should now cease and be deleted as identity theft/mixed file. \n\n\n\nGovernment ID : Texas drivers license ( showing XXXX XXXX XXXX, XXXX ) and Social Security card. \n\nFTC Identity Theft Report XXXX XXXX ( XXXX ) died XX/XX/XXXX ( to establish that XXXX XXXX me ). \n\nCopies of prior disputes to Experian and XXXX ; XXXX XX/XX/XXXX email stating they found you responsible. \n\nRecent credit reports showing the four XXXX tradelines. \n\nAny collection letters/emails from XXXX that omit my suffix, contrary to Reg Fs validation-name requirement. \nConsumer Financial Protection Bureau Notes for the CFPB intake form ( short answers ) What happened? Identity theft/mixed file due to wrong legal nameXXXX/Experian matched items to XXXX XXXX ( no suffix XXXX instead of me ( XXXX XXXX XXXX, XXXX XXXX XXXX The person XXXX XXXX died on XX/XX/XXXX. \n\nWhat do you want the company to do? Delete/block all four tradelines as identity theft/mixed file ; recall from collections ; correct my legal name everywhere ; provide the investigation/authorization evidence ; and send deletion letters. \n\nWhen did you first notice? \n\nHave you contacted the company? Yesmultiple disputes to Experian and XXXX ; submitted FTC Identity Theft Report and IDs ; XXXX email dated XX/XX/XXXX denying my claim without proper proof. \n\nSupporting laws : FCRA 607 ( b ) ( accuracy ), 611 ( reinvestigation ), 623 ( furnisher duties incl. identity-theft procedures and direct disputes ), 605B ( identity-theft blocking ), 615 ( f ) ( no sale/collection of identity-theft debt ) ; Reg V 12 CFR Part 1022 ; CFPB Circular 2022-07 on reasonable investigations ; Reg F validation-name guidance ( suffix ).","date_sent_to_company":"2025-09-13T15:38:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"774XX","tags":null,"has_narrative":true,"complaint_id":"15918753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-13T15:37:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Require <em>XXXX</em>  to correct its internal records to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> only and purge data tied to <em>XXXX</em> <em>XXXX</em> ( deceased XX/XX/<em>XXXX</em> ) from my file. \n\nProvide me with written deletion letters and confirmation of actions taken. \n\n\n\n\nCFPB <em>Complaint</em> <em>Narrative</em> Identity Theft / Mixed File / Wrong Legal <em>Name</em> ( <em>XXXX</em>  ) <em>Complainant</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> ( my legal <em>name</em> as it appears on my Texas drivers license and Social Security card ). \nNot me : <em>XXXX</em> <em>XXXX</em> ( no suffix ) this is a different person."]},"sort":[6.374918,"15918753"]},{"_index":"complaint-public-v1","_id":"21076239","_score":5.784277,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT CITIBANK - IMPROPER ACCOUNT CLOSURE & PAYMENT PROCESSING FAILURES COMPLAINANT INFORMATION Name : XXXX XXXX Account Type : XXXX Citi Card Date of Complaint : XX/XX/year> COMPANY INFORMATION Company Name : Citibank ( XXXX XXXX XXXX ) Company Address : [ Citi Customer Service ] XXXX XXXX XXXX SUMMARY Citibank closed my credit card account without any prior notification, explanation, or opportunity to cure the issue. When I discovered the closure and called to resolve it, agents admitted they did not know why the account was closed and could not provide an explanation for 24-48 hours. Additionally, Citi agents claim to have processed two payments ( {$2100.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX ), but my bank XXXX XXXX  XXXX XXXX XXXX has XXXX record of either payment attempt. This represents either fraudulent misrepresentation of payment status or a non-functional payment processing system. \nThese violations have damaged my credit and violated consumer protection laws. \n\nXXXX XXXX DETAILED COMPLAINT NARRATIVE XX/XX/year> - FIRST PAYMENT XXXX  ( USER ERROR ) I initiated a {$1700.00} payment to Citi from a XXXX  XXXX XXXX account with insufficient funds. The payment bounced due to lack of funds in that account. \n\nXXXX XXXX  Critical Issue XXXX XXXX XXXX Citi sent me NO notification of this bounce. I received no email, no call, no warning. I was not given any opportunity to correct the error or make a different payment. I remained completely unaware of this problem until XX/XX/year> ( 18 days later ). \n\nThis violates standard lending practices which require creditors to notify borrowers of payment issues and allow a cure period before taking action. \n\nXX/XX/year> - CORRECTIVE PAYMENT ATTEMPT ( PAYMENT PROCESSING FAILURE ) On XX/XX/year>, I discovered the XXXX bounce and immediately took corrective action. \nI initiated a {$2100.00} payment from my correct XXXX XXXX XXXXXXXX account ( ending in XXXX ), which has sufficient funds. \n\nXXXX XXXX  What Citi Claims XXXX XXXX XXXX  During my XX/XX/XXXX call, Citi agent XXXX XXXX stated : theres a payment here for {$210000.00} that was done on the XXXX of XXXX, which youre getting credit for right now He further stated : we normally, we are gon na try a total of 3 times to try to collect on that, on those funds, before we say, okay, were not gon na get that money This suggests Citi is processing the payment and crediting my account. \n\nXXXX XXXX Verification Problem XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ZERO record of this payment attempt on XX/XX/year>. \n\nXXXX  No posted transaction XXXX  No pending transaction XXXX No record in my transaction history XXXX No debit from my account XXXX XXXX  Conclusion : XXXX XXXX  Either Citi never submitted this payment to my bank, or Citi is misrepresenting payment status to the customer. This is a serious processing failure or fraud. \n\nXX/XX/scrub>XXXX XXXX XXXX  ACCOUNT CLOSURE DISCOVERED ( NO NOTICE ) On XX/XX/year>, I checked my XXXX Citi app and discovered my account was CLOSED. \n\nXXXX XXXX  How I Found Out : XXXX XXXX  I discovered this closure by accident while checking my app. I received NO notification from Citi prior to closure. No email, no phone call, no letter, no warning. \n\nThis is a critical procedural failure. Standard lending practice requires : XXXX. Notice to customer that account is at risk of closure XXXX. Explanation of the reason XXXX. Opportunity for customer to cure the issue XXXX. THEN closure, if necessary Citi violated all of these standards. \n\nFIRST CALL TO CITI - XX/XX/year> ( AFTERNOON ) Agent Name : XXXX Call Duration : XXXX minutes XXXX XXXX I Asked XXXX XXXX XXXX Why was my account closed? I need an explanation. \n\nXXXX XXXX XXXXXXXX XXXX Admitted : XXXX XXXX I dont even have the reason why they close out the account. I do show that they count closed and they sent out an email on it. So unfortunately I cant. I cant tell you why exactly you closed out.\n\nTranslation : The agent himself does not know why my account was closed, and no explanation is available to him. \n\nXXXX XXXX XXXX XXXXXXXX Admitted ( Process Issue ) : XXXX XXXX  if they see that they need to close out the account, it is immediate, it, it is closed out right away. Um, and then they send out the email Translation : Citi closes accounts FIRST and notifies AFTER. This is backwards from standard practice and violates consumer protections. \n\nXXXX XXXX  When Will I Get an ExplanationXXXX XXXX XXXX XXXXXXXX XXXX stated : the fulfillment usually takes about 24 to 48 hours for you to receive that email Translation : It takes 24-48 hours for the explanation letter to be sent. As of XX/XX/XXXX, I still had XXXX explanation for why my account was closed. \n\nXXXX XXXX  Credit Impact Question XXXX Dodged : XXXX XXXX  I asked : Well, this will affect my credit score, right? What are the consequences? \n\nXXXX XXXX responded : unfortunately were not credit experts on this one so I can not. I can not say how its gon na affect you XXXX : Citi closed my account but refuses to explain the credit impact. \n\nXXXX XXXX  I Offered to Pay Immediately XXXX XXXX XXXX  I asked : Can we pay the {$530.00} balance now then? \n\nXXXX XXXX agreed and I authorized a {$530.00} payment from my correct XXXX  account ( ending in XXXX ) for that same day ( XX/XX/year> ). \n\nXXXX XXXX XXXX XXXXXXXX Confirmed XXXX XXXX XXXX  you authorized city to withdraw a one time electronic payment of {$530.00} on XX/XX/year> from account ending in XXXX to change or to cancel your payment calls at this number or contract us online via live chat before midnight Eastern time today XXXX XXXX  Verification Problem XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX record of this payment attempt on XX/XX/year>. \n\nXXXX No posted transaction XXXX No pending transaction XXXX No record in my transaction history XXXX  No debit from my account Despite Citis confirmation that the payment was now being processed, my bank has XXXX evidence this payment was ever submitted. \n\nESCALATION CALL - XX/XX/year> ( LATER ) Agent Name : XXXX XXXX ( Escalation Team ) Call Duration : XXXX minutes XXXX XXXX  I Demanded Escalation XXXX XXXX XXXX  Since the initial agent couldnt help, I asked to speak with escalation. \n\nXXXX XXXX  Same Issue - No Explanation Available XXXX XXXX XXXX Escalation agent XXXX XXXX stated : I dont have a letter I can read unfortunately that hasnt updated on my end either yet. So hopefully by tomorrow morning, be able to have something here XXXX : Even after escalation, NOBODY at Citi can tell me why my account was closed. This is unacceptable. \n\nXXXX XXXX  Same Process Admitted XXXX XXXX XXXX XXXX XXXX confirmed : So any of this time the decision happens, its immediate, if they, if they see that they need to close out the account, it is immediate, it, it is closed out right away. \nUm, and then they send out the email XXXX : The same backwards process is confirmed - close first, explain later. \n\nXXXX XXXX  My Response to Escalation Agent : XXXX XXXX I stated clearly : I didnt even know that it was going to happen until I had to check the app and thats not the best way of customer transparency at all it doesnt make sense as to why I have to wait 20 to 48 hours when you can close my account whenever and just never tell me. Thats really bad customer service and really bad, bad way of treating your customers. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX No defense offered. Agent had no answer. \n\nXXXX XXXX  I Announced CFPB Complaint XXXX XXXX XXXX  I stated : Ill be sending a CFBP report and Ill be sending a report and Ill be sending up to the higher ups so we can we can get this resolved Agent acknowledged and offered no remedy. \n\nXXXX XXXX VIOLATIONS OF LAW & REGULATION XXXX XXXX XXXX  IMPROPER ACCOUNT CLOSURE WITHOUT NOTICE XXXX XXXX XXXX  Citi closed account immediately without prior notification XXXX  No opportunity given to customer to cure the issue XXXX  Violates Truth in Lending Act ( TILA ) and Regulation Z XXXX  Violates Dodd-Frank Act consumer protection requirements XXXX XXXX XXXX FAILURE TO PROVIDE REASON FOR CLOSURE XXXX XXXX XXXX  Citi agents admitted they dont know/cant provide reason for closure - Violates consumer disclosure requirements- Violates Fair Credit Reporting Act ( FCRA ) implications - Required by lending standards to explain closure reason XXXX XXXX XXXX  MISREPRESENTATION OF PAYMENT STATUS XXXX XXXX XXXX  Citi claims to have processed {$2100.00} ( XX/XX/XXXX ) and {$530.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX record of either payment - Either Citi is lying about payment processing or system is broken- Violates Fair Debt Collection Practices Act ( FDCPA ) if false XXXX XXXX XXXX  FAILURE TO DISCLOSE CREDIT IMPACT XXXX XXXX XXXX  Agent explicitly refused to explain credit consequences of closure - Violates consumer protection disclosure requirements- Customer has no knowledge of credit damage from account closure XXXX XXXX XXXX  INADEQUATE CUSTOMER SERVICE & ESCALATION XXXX XXXX XXXX Both agents ( initial and escalation ) unable to provide basic information - No resolution pathway offered - Process inadequate for consumer protection XXXX XXXX EVIDENCE SUPPORTING COMPLAINT ATTACHED EVIDENCE : XXXX XXXX XXXX  CALL TRANSCRIPTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> afternoon call with Agent XXXX - XX/XX/year> escalation call with Agent XXXX XXXX - Contains direct quotes showing agent admissions- File : CITIXXXXCALLXXXXTRANSCRIPTSXXXXCONSOLIDATEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSACTION XXXXXXXX XXXX XXXX XXXX Showing XX/XX/year> : {$1700.00} attempted ( wrong account - bounced ) - Showing XX/XX/year> : NO RECORD of {$2100.00} claimed payment - Showing XX/XX/year> : NO RECORD of {$530.00} claimed payment - Showing sufficient funds available in account ending in XXXX XXXXXXXX XXXX XXXX  CITI APP CLOSURE SCREENSHOT XXXX XXXX XXXX  Showing account closed on XX/XX/year> - Showing notification history with no prior warning XXXX XXXX XXXX EMAIL HISTORY XXXX XXXX XXXX No closure warning email before XX/XX/XXXX - Last communication was XX/XX/XXXX about transaction problem XXXX XXXX IMPACT ON CONSUMER XXXX XXXX XXXX CREDIT SCORE DAMAGE XXXX XXXX XXXX  Account closure will appear on credit report - Reduces credit score - Impacts ability to obtain loans, credit cards, apartment rental - Affects financial life for XXXX years - Citi refused to disclose the extent of this damage XXXX XXXX XXXX  FINANCIAL UNCERTAINTY XXXX XXXX XXXX {$530.00} balance owed but status unclear - Payment status unknown ( claimed processed by Citi, not verified by bank ) - No clear pathway to resolve the debt - No explanation of late fees, penalty XXXX, or collection actions XXXX XXXX XXXX  EMOTIONAL DISTRESS & INCONVENIENCE XXXX XXXX XXXX Account closed without notice - Discovery by accident while checking app - Multiple calls required to even understand basic information - No resolution offered by company - Forced to escalate to regulatory body XXXX XXXX XXXX INABILITY TO USE ACCOUNT XXXX XXXX XXXX  Account used daily ( I use this car on a daily basis - card used frequently ) XXXX Sudden closure creates financial hardship - No advance notice to make alternative arrangements XXXX XXXX XXXX TIMING IMPACT XXXX XXXX XXXX  Graduate school applications pending ( would consider credit history ) - Planning apartment move in XX/XX/year> ( would require credit check ) - Account closure creates risk of financial consequences during critical life events XXXX XXXX REQUESTED RESOLUTION I am requesting the following fair resolution : XXXX XXXX XXXX  WRITTEN EXPLANATION XXXX XXXX XXXX  Provide written explanation of the specific reason my account was closed - This should be provided immediately, not 24-48 hours later - Explanation must be detailed and clear XXXX XXXX XXXX CREDIT REPORT CORRECTION XXXX XXXX XXXX Ensure my account is reported to credit bureaus as Closed - Paid in Full or Settled- NOT as delinquent, charge-off, late payment, or negative status - Provide written confirmation of credit bureau reporting - Ensure no negative marks appear once I pay the balance XXXX XXXX XXXX NO ADDITIONAL CHARGES XXXX XXXX XXXX  Confirm in writing that no late fees will be applied - Confirm no penalty XXXX has been applied - Confirm no collection actions will be taken - Balance owed is {$530.00} - no additional charges XXXXXXXX XXXX XXXX PAYMENT PROCESSING INVESTIGATION XXXX XXXX XXXX Investigate why XX/XX/XXXX payment ( {$2100.00} ) has no record at XXXX  XXXX XXXX- Investigate why XX/XX/XXXX payment ( {$530.00} ) has no record at XXXX  XXXX XXXX- Provide written confirmation of payment status from both Citi and XXXX XXXX  If payments were never submitted, confirm immediately so customer can resolve XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to account as acknowledgment of : - Lack of prior notification before closure - Failure to provide immediate explanation - Procedural failures that violated lending standards - Inconvenience and distress caused XXXX XXXX XXXX  WRITTEN SETTLEMENT CONFIRMATION XXXX XXXX XXXX Provide written settlement agreement confirming all above terms - Before any payment is made, I need written confirmation these terms are accepted XXXX XXXX TIMELINE SUMMARY XX/XX/XXXX : Payment bounced ( user error ) - NO NOTIFICATION from Citi XX/XX/XXXX : Corrective payment sent - Citi CLAIMS to process it, Bank has NO RECORD XX/XX/XXXX : Account closure discovered by customer checking app - NO PRIOR NOTICE XX/XX/XXXX : Customer calls Citi - XXXX admits no reason available XX/XX/XXXX : Customer authorized payment - Citi CLAIMS to process it, Bank has NO RECORD XX/XX/XXXX : Escalation call- Same agent admits no explanation available XX/XX/XXXX : Customer announces CFPB complaint - No response from Citi XXXX XXXX STATEMENT OF TRUTH I declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge. The call transcripts are directly from the conversations that occurred on XX/XX/year>, with Citibank customer service representatives. XXXX  XXXX XXXX statements and transaction histories are accurate records from my account. All dates and amounts are factually correct. \n\nRespectfully submitted, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX SUPPORTING DOCUMENTS Please attach the following to your CFPB complaint : XXXX. CITIXXXXCALLXXXXTRANSCRIPTSXXXXCONSOLIDATED.txt XXXX. XXXX  XXXX XXXX statement ( XX/XX/XXXX - XX/XX/year> ) - screenshot or PDF XXXX. Citi app closure screenshot ( showing closed on XX/XX/XXXX ) XXXX. Email history screenshot ( showing no closure warning ) XXXX. XXXX  XXXX XXXX written confirmation of XXXX transactions ( from XXXX call ) XXXX XXXX END OF COMPLAINT REPORT","date_sent_to_company":"2026-04-09T02:03:08.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"06074","tags":null,"has_narrative":true,"complaint_id":"21076239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-09T01:39:17.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) <em>COMPLAINT</em> CITIBANK - IMPROPER ACCOUNT CLOSURE & PAYMENT PROCESSING FAILURES <em>COMPLAINANT</em> INFORMATION <em>Name</em> : <em>XXXX</em> <em>XXXX</em> Account Type : <em>XXXX</em> Citi Card Date of <em>Complaint</em> : XX/XX/year> COMPANY INFORMATION Company <em>Name</em> : Citibank ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Company Address : [ Citi Customer Service ] <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> SUMMARY Citibank closed my credit card account without any prior notification, explanation, or opportunity to cure the issue."]},"sort":[5.784277,"21076239"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":26,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":26}]}},"product":{"doc_count":26,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9}]}},{"key":"Credit 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