{"took":108,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17473981","_score":24.256243,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint : Retaliation and Documented Financial Harm Company Involved : Bank of America Product : Checking Account/Account Management Issue : Retaliation, Disrupting Government Benefits, Financial Harm Complaint Narrative 1. Illegal Retaliation Timeline : I previously filed a formal CFPB complaint against Bank of America ( BofA ) on [ Insert Date of Original CFPB Complaint, if you remember it ]. In direct retaliation for that complaint, BofA reported a technical, non-financial compliance violation to the Social Security Administration ( SSA ) regarding the Representative Payee status for my daughter, XXXX XXXX. This alleged violation ( commingling of funds ) had existed and was ignored by BofA for several years. BofA took this specific action shortly after my complaint was filed, demonstrating premeditated malice.\n\n2. Documented Financial and Governmental Harm : BofA 's retaliatory report immediately resulted in severe financial and governmental harm to my dependent child and me : SSA Payee Termination : The SSA issued a formal notice to remove me as my daughter 's Representative Payee ( XXXX XXXX XXXX # : XXXX, dated XX/XX/2025 ). This action directly threatens the continuity of benefits essential for my daughter 's food and shelter. \nFinancial Loss : BofA 's action caused the immediate loss or freezing of XXXXXXXX XXXX XXXX benefit payment of {$990.00}, which is vital income that has been denied to her.\n\n3. Request for Resolution : I request that the CFPB investigate Bank of America for illegal retaliation against a consumer who filed a formal complaint. I demand that BofA : Compensate me for the immediate financial loss of {$990.00} caused by the disruption of the deposit. \nCompensate me for all fees and expenses incurred ( e.g., mailing, new account fees ) as a result of their retaliatory actions. \nBank of America weaponized a technicality to disrupt my familys basic income after I sought legal recourse through the CFPB. This behavior is unacceptable and must be penalized.","date_sent_to_company":"2025-11-24T19:42:41.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17473981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-24T19:28:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> : Retaliation and Documented Financial Harm Company Involved : Bank of <em>America</em> Product : Checking Account/Account Management Issue : Retaliation, Disrupting Government Benefits, Financial Harm <em>Complaint</em> <em>Narrative</em> 1. Illegal Retaliation Timeline : I previously <em>filed</em> a <em>formal</em> CFPB <em>complaint</em> <em>against</em> Bank of <em>America</em> ( BofA ) on [ Insert Date of Original CFPB <em>Complaint</em>, if you remember it ]."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[24.256243,"17473981"]},{"_index":"complaint-public-v1","_id":"8415841","_score":20.040745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Against Bank of America for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am filing this complaint against Bank of America regarding the mishandling of my auto loan ( No. XXXX ), which was exacerbated by their lack of understanding and accommodation of my circumstances, particularly during a period of significant personal distress in XXXX. \n\nNarrative of Events : In XXXX, during a time of considerable personal and professional upheaval, I faced an issue where a contractor unlawfully retained possession of a vehicle leased to my startup under the aforementioned auto loan. Despite my efforts to resolve the situation and continuing to make timely payments, Bank of America charged off the vehicle, complicating the matter further by not repossessing it. This action left me responsible for the balance while the contractor continued to use the vehicle without my consent. \n\nEfforts to negotiate with Bank of America for the dismissal of the account and its removal from credit bureaus, due to their errors and the unique circumstances of the case, were initially met with agreement. However, Bank of America failed to uphold their promise, leaving derogatory marks on my credit report. \n\nMental Health Considerations : The period of XXXX was marked by significant mental health challenges for me, which deeply impacted my ability to manage these financial disputes. The lack of guidance, foresight, and understanding from Bank of America not only failed to accommodate my condition but also exacerbated my distress. \n\nViolations and Requested Resolution : Fair Credit Reporting Act ( FCRA ) : Bank of America 's failure to accurately report the status of my auto loan and to investigate disputes as required by the FCRA has unjustly impacted my credit report. \n\nAmericans with Disabilities Act ( XXXX  ) : The bank 's lack of accommodation for my mental health challenges, affecting my ability to manage and dispute the auto loan, may constitute a failure to provide reasonable accommodations. \n\nI request the following from the CFPB : A thorough investigation into Bank of America 's handling of auto loan No. XXXX, including the charge-off process and failure to honor the settlement agreement. \nImmediate correction of any inaccuracies on my credit report related to this account and removal of derogatory marks stemming from Bank of America 's errors. \nMonetary compensation for the financial and emotional distress caused by these issues, acknowledging the impact of Bank of America 's actions on my mental health.\n\nEnforcement of policies that ensure Bank of America and similar institutions provide adequate accommodations for customers facing mental health challenges. \nConclusion : The handling of my auto loan by Bank of America has not only resulted in financial harm but also significant emotional distress, compounded by my mental health condition. I urge the CFPB to take immediate action to rectify these injustices and hold Bank of America accountable for their failures. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T10:13:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-02-25T09:56:50.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> Bank of <em>America</em> for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am <em>filing</em> this <em>complaint</em> <em>against</em> Bank of <em>America</em> <em>regarding</em> the mishandling of my auto loan ( No."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[20.040745,"8415841"]},{"_index":"complaint-public-v1","_id":"16485876","_score":19.626701,"_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":["* * Subject : <em>Formal</em> <em>Complaint</em> <em>Regarding</em> Inaccurate Account Furnished by Bank of <em>America</em> in Violation of the FCRA * * To Whom It May Concern : I am writing to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Bank of <em>America</em> and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit <em>files</em> with XXXX XXXX XXXX XXXX  Bank of <em>America</em> has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.626701,"16485876"]},{"_index":"complaint-public-v1","_id":"21556675","_score":18.315125,"_source":{"product":"Debt collection","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT Consumer : XXXX XXXX XXXX Location : XXXX, NY Subject Entities : Jefferson Capital Systems , LLC ; XXXX XXXX XXXX ; XXXX XXXX Issue : Unlawful Debt Collection Practices ( FDCPA ), Inaccurate Credit Reporting ( FCRA ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). \n\nComplaint Narrative : I am filing this formal complaint against XXXX XXXX, XXXX XXXX XXXX, and Jefferson Capital Systems for systemic violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) and 1692e ( 2 ) ( A ) ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. based on 623 ( a ) ( 3 ) ), and UDAAP regulations. I am a 100 % Disabled American Veteran protected under federal consumer guidelines, and my sole sources of income are Veterans Affairs compensation, Social Security Disability Insurance, and a municipal disability retirement pension. These funds are strictly exempt from garnishment. The continued harassment and collection efforts by these entities against a consumer with entirely protected income constitute predatory financial abuse. \n\nOn XX/XX/XXXX, XXXX XXXX offered a promotional XXXX XXXX XXXX upgrade in exchange for an XXXX XXXX XXXX trade-in. Following an unresolvable billing dispute regarding unhonored promotional terms, service was disconnected on XX/XX/XXXX. XXXX subsequently revoked the XXXX promotional credits and assessed an unverified balloon balance of {$910.00}. \n\nIn XX/XX/XXXX, XXXX third-party collector, XXXX XXXX XXXX XXXX XXXX to collect this debt. On XX/XX/XXXX and XX/XX/XXXX, I transmitted formal Notices of Dispute demanding strict legal validation. XXXX responded on XX/XX/XXXX, with an internally generated XXXX invoice but explicitly failed to provide a signed contractual agreement validating the debt. I formally rejected this on XX/XX/XXXX, demanding file closure. \n\nRather than curing this defect, the unverified account was transferred to Jefferson Capital Systems ( XXXX ). On XX/XX/XXXX, XXXX opened collection accounts reporting conflicting and irreconcilable balances of {$1000.00} and {$140.00} to the major credit bureaus, constituting willful FCRA violations. \n\nI recently exhausted my administrative remedies by engaging XXXX XXXX XXXX. They explicitly refused to remove the charges, citing their \" XXXX XXXX XXXX '' and relying solely on Invoice # XXXX as proof of \" services rendered. '' They continue to mask unverified equipment charges as service fees and refuse to produce a legally binding consumer contract. \n\nNEW YORK XXXX XXXX OF THE ATTORNEY GENERAL COMPLAINT Consumer : XXXX XXXX XXXX Location : XXXX, NY Subject Entities : XXXX XXXX ; Jefferson Capital Systems , LLC Issue : Deceptive Trade Practices ( XXXX XXXX ), XXXX XXXX, and Predatory Debt Collection Complaint Narrative : I am submitting this complaint to the Consumer Frauds and Protection Bureau regarding a pattern of deceptive trade practices by XXXX XXXX and unlawful debt collection by Jefferson Capital Systems. I have thoroughly documented these violations of New York State General Business Law Section 349. Furthermore, my income consists entirely of VA disability, SSDI, and a municipal disability retirement pension. Pursuing unverified debt collection against a consumer whose income is entirely judgment-proof and statutorily exempt demonstrates the predatory nature of these entities. \n\nThis dispute echoes the findings of the XX/XX/XXXX multistate settlement secured by your office against XXXX regarding deceptive wireless promotions. On XX/XX/XXXX, XXXX offered me a \" free '' XXXX XXXX XXXX in exchange for an XXXX XXXX XXXX trade-in. When XXXX failed to honor the promotional terms, a billing dispute ensued, leading to service disconnection on XX/XX/XXXX. \n\nUpon disconnection, XXXX assessed a retaliatory balloon balance of {$910.00}. XXXX Executive Relations recently admitted they are treating this entire amount as a charge for \" services rendered and used, '' citing Invoice # XXXX. It is mathematically and factually impossible to incur nearly {$1000.00} in standard service charges over a period of weeks. XXXX is unlawfully masking the cost of unverified equipment or hidden penalties under the guise of service fees. Furthermore, when challenged via formal dispute in XX/XX/XXXX, their collection agency failed to produce a signed, binding consumer contract validating this financial obligation. \n\nDespite lacking contractual standing, XXXX allowed Jefferson Capital Systems to open multiple collection accounts against me on XX/XX/XXXX, reporting fabricated and conflicting balances of {$1000.00} and {$140.00} to major credit bureaus. \n\nXXXX is actively stonewalling, resting their defense on internal invoices rather than signed agreements, and deflecting liability to third-party debt buyers who are actively defaming my consumer credit profile.","date_sent_to_company":"2026-04-24T06:35:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"11787","tags":"Servicemember","has_narrative":true,"complaint_id":"21556675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-04-24T06:28:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am <em>filing</em> this <em>formal</em> <em>complaint</em> <em>against</em> XXXX XXXX, XXXX XXXX XXXX, and Jefferson Capital Systems for systemic violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) and 1692e ( 2 ) ( A ) ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. based on 623 ( a ) ( 3 ) ), and UDAAP regulations."]},"sort":[18.315125,"21556675"]},{"_index":"complaint-public-v1","_id":"21488355","_score":17.988407,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint against Bank of America regarding their failure to protect me as a client and their inadequate investigation of my dispute ( Claim No. XXXX, Amount : {$2900.00} ). \n\nAccording to the banks decision dated XX/XX/XXXX, my claim was denied on the basis that : The service was not canceled according to the merchants policy Verbal promises are not considered a billing error This conclusion is deeply concerning and demonstrates that the bank did not properly investigate or protect me as their client. \n\nThis case is not simply about a verbal promise. It involves : Service not rendered Misrepresentation by the merchant Contradicting statements from the merchant Documented timeline and communication inconsistencies On XX/XX/XXXX, I was contacted directly by the merchants office ( associated with XXXX XXXX ). During this call, I was subjected to pressure and inappropriate communication, and I was explicitly told that I should cancel and would receive a refund if I was not comfortable proceeding. \n\nThis was not initiated by me. The office called me and directed the outcome. Their later claim that I contacted them voluntarily on a holiday is false. \n\nDespite providing detailed explanations and supporting information, Bank of America dismissed my claim without properly addressing : The fact that no service was rendered The conflicting narrative provided by the merchant The circumstances of the XX/XX/XXXX call, including pressure and misleading guidance The need to verify communication records, call logs, and timelines Instead, the bank relied solely on the merchants documentation and ignored the broader context of the dispute.\n\nAs a client, I rely on my bank to : Act in good faith Conduct a fair and thorough investigation Protect me from deceptive or unfair business practices In this case, the bank did not meet those expectations.\n\nSimply stating that verbal promises are not considered a billing error is not sufficient when the dispute clearly involves misrepresentation and a service that was never provided.\n\nI am requesting that : This claim be reopened and escalated for a full and impartial investigation All submitted documentation be reviewed thoroughly, not selectively The bank verify call records and communication timelines from XX/XX/XXXX The bank reassess this case under the appropriate dispute category, including services not rendered and misrepresentation I expect Bank of America to fulfill its responsibility to protect its clients and not default to the merchants position without proper scrutiny. \n\nI respectfully request that the Consumer Financial Protection Bureau ensure that this matter is reviewed appropriately and that my rights as a consumer are upheld. \n\nSincerely,","date_sent_to_company":"2026-04-22T16:56:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"21488355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-22T16:35:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>formal</em> <em>complaint</em> <em>against</em> Bank of <em>America</em> <em>regarding</em> their failure to protect me as a client and their inadequate investigation of my dispute ( Claim No. XXXX, Amount : {$2900.00} )."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.988407,"21488355"]},{"_index":"complaint-public-v1","_id":"19016399","_score":16.841122,"_source":{"product":"Credit card","complaint_what_happened":"Deceptive Benefit Practices : Amex Inconsistently Denies Airline Credit for Identical Transactions Complaint Narrative : \" I am filing this formal complaint against American Express for Unfair and Deceptive Acts or Practices ( UDAAP ) regarding the arbitrary denial of the Airline Incidental Fee Credit benefit on my Platinum account.\n\nThe Core Issue : Inconsistent Application of Benefits I made two sets of identical transactions with the same airline for 'Seat Assignment ' fees. Amex 's handling of these identical charges was contradictory and misleading.\n\n1. The Precedent ( Amex Confirmed Eligibility ) : Transaction Date : XX/XX/XXXX Outcome : Amex successfully reimbursed these charges on XX/XX/XXXX. \nConsumer Impact : This reimbursement served as a confirmation from Amex that this specific transaction type was eligible for the benefit. Relying on this precedent, I proceeded with further transactions.\n\n2. The Violation ( Amex Denied Identical Charges ) : Transaction Date : XX/XX/XXXX Amounts : {$100.00} and {$100.00} ( Total : {$200.00} ) Outcome : Amex refused to reimburse these identical charges.\n\n3. Amex 's Unfair Justification & Delay Tactics : When I contacted Amex support ( Chat transcripts attached ), they acknowledged the transactions were for the same service but blamed 'internal airline coding ' for the denial.\n\nInformation Asymmetry : As a consumer, I can not see or control backend merchant codes. I can only rely on the transaction description and Amex 's prior conduct. Penalizing a consumer for backend coding inconsistencies is an unfair practice.\n\nUnreasonable Delay : Despite acknowledging my loyalty since XXXX, the supervisor refused to manually correct this obvious system error and told me to 'wait until XX/XX/XXXX ' for a potential review. This is an unacceptable delay for a simple error correction.\n\nConclusion : By reimbursing the first set of charges, Amex established a precedent. Denying the second set of identical charges constitutes a 'bait and switch ' tactic. I request Amex to honor the standard they set on XX/XX/XXXX and immediately issue a manual credit of {$200.00} for the charges on XX/XX/XXXX. ''","date_sent_to_company":"2026-01-26T21:01:57.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"98021","tags":null,"has_narrative":true,"complaint_id":"19016399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-01-26T20:50:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Deceptive Benefit Practices : Amex Inconsistently Denies Airline Credit for Identical Transactions <em>Complaint</em> <em>Narrative</em> : \" I am <em>filing</em> this <em>formal</em> <em>complaint</em> <em>against</em> <em>American</em> Express for Unfair and Deceptive Acts or Practices ( UDAAP ) <em>regarding</em> the arbitrary denial of the Airline Incidental Fee Credit benefit on my Platinum account.\n\nThe Core Issue : Inconsistent Application of Benefits I made two sets of identical transactions with the same airline for 'Seat Assignment ' fees."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[16.841122,"19016399"]},{"_index":"complaint-public-v1","_id":"8411639","_score":16.11417,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against J.P. Morgan Chase for Business Account Mismanagement and Neglect Introduction : I am reaching out to file a formal complaint against J.P. Morgan Chase related to severe mismanagement of my business credit card ( Account No. XXXX  ) and business checking account, compounded by the bank 's oversight that contravened our company bylaws. \n\nNarrative of Events : In XXXX, my professional and personal life w\n\nas disrupted by an embezzlement incident, exacerbating existing mental health challenges. During this period, J.P. Morgan Chase allowed unauthorized access to my business checking account, enabling a contractor to divert funds without adherence to our clearly defined company bylaws. This incident, coupled with unresolved disputes over my business credit card, has caused significant financial and emotional distress. Mental Health Considerations : The ongoing disputes and J.P. Morgan Chase 's lack of accommodation for my communication preferences, given my XXXX XXXX XXXX, have significantly hindered my ability to effectively manage these issues, worsening my overall mental well-being. Requested Resolution : Immediate Investigation and Correction : I demand a thorough investigation into the unauthorized account access and transactions, with a detailed audit of my business credit card dispute s. J.P. Morgan Chase must rectify these breaches in accordance with our company bylaws and restore any lost funds. Monetary Compensation : For the financial losses and emotional distress caused by these incidents, I seek fair compensation beyond the restitution of diverted funds. Policy and Communication Reforms : I urge J.P. Morgan Chase to review its customer service and dispute resolution policies to ensure they are inclusive and considerate of clients with mental health challenges. Conclusion : This complaint highlights a pressing need for J.P. Morgan Chase to address its failures in managing my accounts and to implement measures preventing future occurrences. I trust the CFPB will facilitate a resolution that recognizes the depth of these issues. Specific Laws Violated : Fair Credit Reporting Act ( FCRA ) : Governs the accuracy, fairness, and privacy of information in consumer reporting agency files, emphasizing the right to dispute and correct inaccuracies in credit reports. Americans with Disabilities Act ( ADA ) : While primarily known for addressing physical accessibility, the ADA also covers accommodations for mental health, which can extend to ensuring accessible communication methods for individuals with mental health challenges. Electronic Fund Transfer Act ( EFTA ) : Offers protection against unauthorized electronic fund transfers, which could relate to the unauthorized movement of funds by the contractor. Uniform Commercial Code ( UCC ) - Article 4A : Governs the rights, liabilities, and responsibilities of banks and their customers regarding electronic fund transfers. It might apply to the breach of bylaws and unauthorized fund transfers in your business checking account. Bank Secrecy Act ( BSA ) : While focusing on anti-money laundering, the BSA requires banks to know their customers and could be relevant to the bank 's failure to adhere to company bylaws before allowing changes to account control. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T04:17:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8411639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-25T04:01:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> J.P. Morgan Chase for Business Account Mismanagement and Neglect Introduction : I am reaching out to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> J.P. Morgan Chase related to severe mismanagement of my business credit card ( Account No."]},"sort":[16.11417,"8411639"]},{"_index":"complaint-public-v1","_id":"8415945","_score":15.361247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Pro Collect , Inc. and XXXX XXXX XXXXXXXX for Deceptive Practices, Violation of Consumer Rights, and Ignoring Legal Settlement Attempts Introduction : I am filing a complaint against Pro Collect , Inc. and XXXXXXXX XXXX XXXXXXXX due to their engagement in deceptive leasing practices, unauthorized dealings on my behalf, and the mishandling of a debt that has unjustly impacted me. This situation has been further aggravated by their failure to respond to a settlement attempt made by my attorney, exacerbating my existing XXXX  health conditions. \n\nNarrative of Events : My ordeal began with what I was led to believe was a month-to-month lease with XXXXXXXX XXXX XXXXXXXX, given the apartment 's poor condition, which I promptly documented and communicated to them. I informed them of my decision not to move in, as the living conditions were not as promised. Unbeknownst to me, a 12-month lease was executed on my behalf through electronic signing by my mother, coerced by the lessor, without my direct consent or knowledge. Additionally, my mother was seemingly co-signed on this lease without our clear understanding or agreement. \n\nDue to my significant XXXX  health challenges in XXXX, my mother handled communications on my behalf. Without any consent or prior knowledge from me, this alleged debt was then sold to Pro Collect , Inc., a company that has exhibited a complete lack of communication and transparency, obstructing any possibility of resolving the issue. Furthermore, my attorney 's attempts to negotiate a settlement with Pro Collect , Inc. and XXXX XXXX  XXXX have been met with silence, showing a disregard for resolving this matter amicably. \n\nViolations and Requested Resolution : Electronic Fund Transfer Act ( EFTA ) and Truth in Lending Act ( TILA ) : The unauthorized signing and the lack of transparency regarding the lease agreement may violate these acts. \n\nFair Debt Collection Practices Act ( FDCPA ) : The failure of Pro Collect, Inc. to provide a means of communication or to acknowledge a legal settlement offer potentially violates the FDCPA. \n\nAmericans with Disabilities Act ( ADA ) : The failure to accommodate my condition during this process, and the coercion involved, may breach the ADA. \n\nI request the CFPB to : Conduct an in-depth investigation into both entities regarding their handling of my lease and the debt. \nMandate the correction of inaccuracies related to this debt on my credit report and ensure the removal of any derogatory marks stemming from this issue. \nSeek monetary compensation for the distress and financial harm caused by their negligent actions. \nRequire Pro Collect , Inc. and XXXXXXXX XXXX XXXXXXXX to acknowledge and respond to my attorneys settlement attempts, facilitating an equitable resolution. \nConclusion : The negligent and deceptive actions of Pro Collect, Inc. and XXXXXXXX XXXX XXXXXXXX have not only infringed upon my rights as a consumer but have severely affected my XXXX  health and financial well-being. I implore the CFPB to take swift action to rectify these wrongs and hold the responsible parties accountable. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T10:49:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2024-02-25T10:36:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> Pro Collect , Inc. and XXXX XXXX XXXXXXXX for Deceptive Practices, Violation of Consumer Rights, and Ignoring Legal Settlement Attempts Introduction : I am <em>filing</em> a <em>complaint</em> <em>against</em> Pro Collect , Inc. and XXXXXXXX XXXX XXXXXXXX due to their engagement in deceptive leasing practices, unauthorized dealings"]},"sort":[15.361247,"8415945"]},{"_index":"complaint-public-v1","_id":"22289754","_score":15.20681,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT NARRATIVE AGAINST BANK OF AMERICA , N.A . \nSUBJECT : Statutory Non-Compliance, Illegal Internal Offset of Exempt Federal Benefits ( XXXX U.S.C. XXXX ), Violation of the Treasury \" Protected Amount '' Rule ( XXXX CFR Part XXXX  ), and Regulation E / EFTA Violations. \n\nSTATEMENT OF FACTS : I am filing this formal regulatory complaint against Bank of America , N.A . for engaging in an illegal internal offset and conversion of my federally protected XXXX XXXX XXXX XXXX  ( XXXX ) benefits. The bank has frozen and seized my incoming XXXX  check totaling {$1500.00} to satisfy an unsecured internal bank debt stemming from an ongoing, improperly investigated fraud dispute. \n\nThe origin of this dispute involves Claims # XXXX and # XXXX. In XXXX, unauthorized electronic fund transfers occurred on my account. Provisional credits were temporarily granted and subsequently revoked by the bank, creating a steep negative balance. Bank of America closed these fraud claims under the boilerplate assertion that the transactions were executed by \" someone I know, '' entirely refusing to address the core security compliance issue : the transactions were achieved by a minor who bypassed active XXXX XXXX XXXX parental security locks. \n\nFollowing the denial of these claims, Bank of America immediately intercepted my direct-deposited XXXX funds when they posted to the account, absorbing the entire deposit to cover the bank-created negative balance. \n\nFEDERAL LAW & STATUTORY VIOLATIONS : XXXX. Illegal Offset of Social Security Benefits ( XXXX XXXX. XXXX ) XXXX XXXX XXXX of the Social Security XXXX ( XXXX XXXX. XXXX ), Social Security benefits are strictly exempt from execution, levy, attachment, garnishment, or \" other legal process. '' The U.S. Supreme Court ( Philpott v. Essex County Welfare Board ) and federal banking regulators have established that a financial institution 's contractual \" Right of Setoff '' is an execution of legal process and can not be used to seize exempt XXXX funds to pay off an internal bank debt or overdraft balance. When Bank of America used my direct-deposited XXXX check to satisfy its own debt recovery, it committed an illegal administrative offset. \n\n2. Direct Violation of the Mandatory \" Protected Amount '' Rule ( XXXX CFR Part XXXX XXXX Bank of America is in willful non-compliance with the Department of the Treasury regulation XXXX XXXX Part XXXX. Under XXXX CFR XXXX and XXXX, when an account experiences an enforcement action or an internal debt-collection review, the bank is legally mandated to execute a XXXX look-back assessment. Any covered federal benefit paymentssuch as my directly deposited XXXX within that XXXX window must immediately be classified as a \" Protected Amount. '' The bank is required to provide me with \" full and customary access '' to these protected funds within 2 business days of the account review. Bank of America has continuously denied me access to this protected amount, failing its clear statutory mandate. \n\n3. Regulation XXXX and Electronic Fund Transfer Act ( XXXX ) Violations ( XXXX XXXX XXXX ( m ) / XXXX XXXX. XXXX ) Under XXXX CFR XXXX ( m ), an electronic fund transfer is defined as unauthorized if it is initiated by a person without actual authority to initiate the transfer and from which the consumer receives no benefit. The bank 's position that liability is waived because the user is \" someone I know '' directly violates the Electronic Fund Transfer Act ( XXXX XXXX. XXXX ). Because active, explicit digital security controls ( XXXX XXXX XXXX ) were physically bypassed to execute these transfers, the actor possessed XXXX actual, implied, or apparent authority. The breach of a digital security gate constitutes a systemic security failure that the bank is liable for under Regulation XXXX guidelines. \n\n4. Unfair, Deceptive, or Abusive Acts or Practices / UDAAP ( XXXX XXXX. XXXX ) By ignoring documented evidence of a digital security breach, arbitrarily closing active fraud claims, and aggressively seizing a XXXX consumers primary federal survival income via an illegal internal offset, Bank of America has engaged in \" Abusive '' and \" Unfair '' practices as defined by the XXXX XXXX XXXX Reform and Consumer Protection Act ( XXXX U.S.C. XXXX ). Taking advantage of a consumer 's lack of access to their legally protected XXXX income to force the resolution of a disputed debt meets the exact statutory threshold for an abusive practice. \n\nDEMAND FOR IMMEDIATE REMEDIAL ACTION : Regardless of Bank of Americas internal conclusions regarding the Regulation XXXX claims, the negative balance on my account is an unsecured, private civil debt. The bank has zero legal authority to use my protected XXXX benefits as a self-help collection tool. \n\nI demand that federal compliance investigators compel Bank of America , N.A . to immediately perform a manual override, cease its illegal administrative offset, and return the full {$1500.00} in exempt XXXX funds to my direct custody.","date_sent_to_company":"2026-05-17T15:43:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"98682","tags":null,"has_narrative":true,"complaint_id":"22289754","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-17T15:21:01.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>COMPLAINT</em> <em>NARRATIVE</em> <em>AGAINST</em> BANK OF <em>AMERICA</em> , N.A . \nSUBJECT : Statutory Non-Compliance, Illegal Internal Offset of Exempt Federal Benefits ( XXXX U.S.C. XXXX ), Violation of the Treasury \" Protected Amount '' Rule ( XXXX CFR Part XXXX  ), and Regulation E / EFTA Violations. \n\nSTATEMENT OF FACTS : I am <em>filing</em> this <em>formal</em> regulatory <em>complaint</em> <em>against</em> Bank of <em>America</em> , N.A . for engaging in an illegal internal offset and conversion of my federally protected XXXX XXXX XXXX XXXX  ( XXXX ) benefits."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[15.20681,"22289754"]},{"_index":"complaint-public-v1","_id":"8416018","_score":14.614017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against XXXX  XXXX XXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am filing this complaint against XXXX  XXXX XXXX regarding the mishandling of my auto loan ( No. XXXX ), which was exacerbated by their lack of understanding and accommodation of my circumstances, particularly during a period of significant personal distress in XXXX. \n\nNarrative of Events : In XXXX, during a time of considerable personal and professional upheaval, I faced an issue where a contractor unlawfully retained possession of a vehicle leased to my startup under the aforementioned auto loan. Despite my efforts to resolve the situation and continuing to make timely payments, XXXX  XXXX XXXX charged off the vehicle, complicating the matter further by not repossessing it. This action left me responsible for the balance while the contractor continued to use the vehicle without my consent. \n\nEfforts to negotiate with XXXX  XXXX XXXX for the dismissal of the account and its removal from credit bureaus, due to their errors and the unique circumstances of the case, were initially met with agreement. However, XXXX XXXX XXXX failed to uphold their promise, leaving derogatory marks on my credit report. \n\nMental Health Considerations : The period of XXXX was marked by significant mental health challenges for me, which deeply impacted my ability to manage these financial disputes. The lack of guidance, foresight, and understanding from XXXX  XXXX XXXX not only failed to accommodate my condition but also exacerbated my distress. \n\nViolations and Requested Resolution : Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX XXXX 's failure to accurately report the status of my auto loan and to investigate disputes as required by the FCRA has unjustly impacted my credit report. \n\nAmericans with Disabilities Act ( ADA ) : The bank 's lack of accommodation for my mental health challenges, affecting my ability to manage and dispute the auto loan, may constitute a failure to provide reasonable accommodations. \n\nI request the following from the CFPB : A thorough investigation into XXXX  XXXX XXXXXXXX XXXX handling of auto loan No. XXXX, including the charge-off process and failure to honor the settlement agreement. \nImmediate correction of any inaccuracies on my credit report related to this account and removal of derogatory marks stemming from XXXX  XXXX XXXX 's errors. \nMonetary compensation for the financial and emotional distress caused by these issues, acknowledging the impact of XXXX  XXXX XXXX 's actions on my mental health. \nEnforcement of policies that ensure XXXX XXXX XXXX and similar institutions provide adequate accommodations for customers facing mental health challenges. \nConclusion : The handling of my auto loan by XXXX XXXX XXXX has not only resulted in financial harm but also significant emotional distress, compounded by my mental health condition. I urge the CFPB to take immediate action to rectify these injustices and hold XXXX  XXXX XXXX accountable for their failures. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T10:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8416018","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-25T10:13:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX  XXXX XXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am <em>filing</em> this <em>complaint</em> <em>against</em> XXXX  XXXX XXXX <em>regarding</em> the mishandling of my auto loan ( No."]},"sort":[14.614017,"8416018"]},{"_index":"complaint-public-v1","_id":"8416017","_score":14.614017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against XXXX XXXX XXXXXXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am filing this complaint against XXXX  XXXX XXXX regarding the mishandling of my auto loan ( No. XXXX ), which was exacerbated by their lack of understanding and accommodation of my circumstances, particularly during a period of significant personal distress in XXXX. \n\nNarrative of Events : In XXXX, during a time of considerable personal and professional upheaval, I faced an issue where a contractor unlawfully retained possession of a vehicle leased to my startup under the aforementioned auto loan. Despite my efforts to resolve the situation and continuing to make timely payments, XXXX  XXXX XXXX charged off the vehicle, complicating the matter further by not repossessing it. This action left me responsible for the balance while the contractor continued to use the vehicle without my consent. \n\nEfforts to negotiate with XXXX  XXXX XXXX for the dismissal of the account and its removal from credit bureaus, due to their errors and the unique circumstances of the case, were initially met with agreement. However, XXXX XXXX XXXX failed to uphold their promise, leaving derogatory marks on my credit report. \n\nMental Health Considerations : The period of XXXX was marked by significant mental health challenges for me, which deeply impacted my ability to manage these financial disputes. The lack of guidance, foresight, and understanding from XXXX XXXX XXXX not only failed to accommodate my condition but also exacerbated my distress. \n\nViolations and Requested Resolution : Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX XXXX 's failure to accurately report the status of my auto loan and to investigate disputes as required by the FCRA has unjustly impacted my credit report. \n\nAmericans with Disabilities Act ( ADA ) : The bank 's lack of accommodation for my mental health challenges, affecting my ability to manage and dispute the auto loan, may constitute a failure to provide reasonable accommodations. \n\nI request the following from the CFPB : A thorough investigation into XXXX  XXXX XXXX 's handling of auto loan No. XXXX, including the charge-off process and failure to honor the settlement agreement. \nImmediate correction of any inaccuracies on my credit report related to this account and removal of derogatory marks stemming from XXXX  XXXX XXXX 's errors. \nMonetary compensation for the financial and emotional distress caused by these issues, acknowledging the impact of XXXX  XXXX XXXX 's actions on my mental health. \nEnforcement of policies that ensure XXXX XXXX XXXX and similar institutions provide adequate accommodations for customers facing mental health challenges. \nConclusion : The handling of my auto loan by XXXX  XXXX XXXX has not only resulted in financial harm but also significant emotional distress, compounded by my mental health condition. I urge the CFPB to take immediate action to rectify these injustices and hold XXXX  XXXX XXXX accountable for their failures. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T10:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8416017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-25T10:13:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX XXXX XXXXXXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am <em>filing</em> this <em>complaint</em> <em>against</em> XXXX  XXXX XXXX <em>regarding</em> the mishandling of my auto loan ( No."]},"sort":[14.614017,"8416017"]},{"_index":"complaint-public-v1","_id":"8418440","_score":14.613146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against XXXX  XXXX XXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am filing this complaint against XXXX  XXXX XXXX regarding the mishandling of my auto loan ( No. XXXX ), which was exacerbated by their lack of understanding and accommodation of my circumstances, particularly during a period of significant personal distress in XXXX. \n\nNarrative of Events : In XXXX, during a time of considerable personal and professional upheaval, I faced an issue where a contractor unlawfully retained possession of a vehicle leased to my startup under the aforementioned auto loan. Despite my efforts to resolve the situation and continuing to make timely payments, XXXX XXXX XXXXXXXX charged off the vehicle, complicating the matter further by not repossessing it. This action left me responsible for the balance while the contractor continued to use the vehicle without my consent. \n\nEfforts to negotiate with XXXX  XXXX XXXX for the dismissal of the account and its removal from credit bureaus, due to their errors and the unique circumstances of the case, were initially met with agreement. However, XXXX  XXXX XXXX failed to uphold their promise, leaving derogatory marks on my credit report. \n\nMental Health Considerations : The period of XXXX was marked by significant mental health challenges for me, which deeply impacted my ability to manage these financial disputes. The lack of guidance, foresight, and understanding from XXXX  XXXX XXXX not only failed to accommodate my condition but also exacerbated my distress. \n\nViolations and Requested Resolution : Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX XXXX 's failure to accurately report the status of my auto loan and to investigate disputes as required by the FCRA has unjustly impacted my credit report. \n\nAmericans with Disabilities Act ( ADA ) : The bank 's lack of accommodation for my mental health challenges, affecting my ability to manage and dispute the auto loan, may constitute a failure to provide reasonable accommodations. \n\nI request the following from the CFPB : A thorough investigation into XXXX  XXXX XXXX 's handling of auto loan No. XXXX, including the charge-off process and failure to honor the settlement agreement. \nImmediate correction of any inaccuracies on my credit report related to this account and removal of derogatory marks stemming from XXXX XXXX XXXXXXXX 's errors. \nMonetary compensation for the financial and emotional distress caused by these issues, acknowledging the impact of XXXX  XXXX XXXX 's actions on my mental health. \nEnforcement of policies that ensure XXXX XXXX XXXXXXXX and similar institutions provide adequate accommodations for customers facing mental health challenges. \nConclusion : The handling of my auto loan by XXXX XXXX XXXXXXXX has not only resulted in financial harm but also significant emotional distress, compounded by my mental health condition. I urge the CFPB to take immediate action to rectify these injustices and hold XXXX  XXXX XXXX accountable for their failures. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T10:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8418440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-25T10:13:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX  XXXX XXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am <em>filing</em> this <em>complaint</em> <em>against</em> XXXX  XXXX XXXX <em>regarding</em> the mishandling of my auto loan ( No."]},"sort":[14.613146,"8418440"]},{"_index":"complaint-public-v1","_id":"3850599","_score":12.828279,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Im a United States XXXX XXXX XXXX Member. I file this case against AMERICAN EXPRESS COMPANY, for knowingly participation, aiding and furthering consumer fraud and swindling of service members ( Military Consumers ), by providing unfair substantial assistance to its business partners merchant XXXX XXXX, and others engaging in unfair, deceptive, or abusive acts and practices, causing military families and U.S. consumers harm. \n\nXXXX XXXX is a foreign non-US corporation ( Consumer Service provided ), doing business in the United States, subject to the CFPA, and Section 5 of the FTC Act.\n\nAmerican express Company is U.S. Corporation ( Consumer Financial Services provided ) subject to the CFPA, and Section 5 of the FTC Act.\n\nTHE COMPLAINT IS REGARDING AMERICAN EXPRESS COMPANY ( A financial service provider ) unfairly providing aid and helping further FRAUD AND UNFAIR DECEPTIVE PRACTICES AND CONSPIRACY BY ITS MERCHANT XXXX  XXXX AND XXXX, USING THE NATIONAL PANDEMIC EMERGENCY DECLARED BY THE PRESIDENT, TO SWINDLE US CONSUMERS MILITARY FAMILIES OF MONIES, USING DECEPTION, THREATS, UNFAIR COERCION AND FRAUD.. \n\nThat after an original e-ticket i purchased for ( {$520.00} ) was involuntarily cancelled by the airline on day of the flight prior to use. Using the pandemic as an excuse to BAIT-AND-SWITCH consumers. I was showed and made to pay one ( USD {$520.00} ) all-inclusive cost for a second e-ticket, the total cost of which was printed and described on the merchant terminal receipt I was given ; ..\n\nbut then unknown to me the same merchant together with the travel agent, to deny giving me back money refund for the e-ticket they, did not provide the service and then involuntarily cancelled, They secretly together without my agreement stole the money I had paid for the original first different e-ticket, by creating fake sham invoices to hide their unlawful misappropriation and fraud, by claiming the refund owed was used to pay for the second e-ticket, and unfairly they kept all the money over ( USD ) {$1000.00}. Refusing to acknowledge my original printed receipt showing  clearly the final total cost for the second e-ticket. \n\nThe second e-ticket that I paid ( {$520.00} ), was used, on XX/XX/2020. But.. The Original first e-ticket I paid ( USD {$520.00} ), was involuntarily cancelled by the airline so I never used it. Neither I did not agree to use it as part of any exchange for the second ticket, nor did the merchant never disclose to me any additional cost other than what was printed on the merchant receipt after I was made to purchase the second ticket. No such agreement was disclosed to me and I did not sign any document waiving my right to refund of the original e-ticket that was cancelled by the airline. As the fraud that the merchants with the help of AMERICAN EXPRESS COMPANY are doing to defraud and cause service member U.S. Consumers harm, as discussed. \n\nSpecifically. \n\n\nAround XX/XX/XXXX, to XX/XX/2020, I contacted American Express Company ( AmEx ) and submitted my original merchant terminal receipts as evidence that I had been victim of fraud, deceptive, abusive and unfair practices, committed by AmEx consumer partners Merchant XXXX XXXX  and XXXX. Having to do with two ( 2 ) deceptive and fraudulent online credit card transactions, one charged by XXXX and the second charged to my American Express Card, by XXXX   XXXX. That committed fraud, by using deceptive BATE-N-SWITCH advertising, then due to no fault on my part, after I had already checked-in for the flight on day of travel, XX/XX/2020 at XXXX XXXX, they unfairly involuntarily cancelled and refused to honor the original advertised purchased e-ticket ; lied, said they could not refund my original e-ticket because it was purchased from their travel agent XXXX ;. \n\n\nthen used unfair abusive threats and ( finger in face ) high pressure sales, AND, AND lied again about the true cost of the new flight they were forcing on me, treating to make false reports to XXXX XXXX, knowing I would miss connecting flights with other airlines all to, unfairly coerce service member to pay for a second new lesser e-ticket from XXXX XXXX.. Then when on XX/XX/2020 after I had filed request asking for refund of the original involuntarily cancelled e-ticket. XXXX XXXX XXXX AMERICAN EXPRESS COMPANY and XXXX conspired together to hide the fraud, and deceptive acts, to prevent me from filing and pursuing lawful dispute, by creating two ( 2 ) sham false invoices around XX/XX/2020 ( one for each transaction crated 11-days and 5 -days AFTER, AFTER the transactions but never disclosed to me prior ), to hide and unfairly launder and keep the money paid I had paid in good faith 11-days prior for the first original e-ticket, that was deceptively involuntarily cancelled by Korean airlines on XX/XX/2020 in their bate-n-switch shame ;. \n\nThen AMERICAN EXPRESS COMPANY around XX/XX/2020 also in concert with the others, sent me an unsolicited email message, ( BEFORE I HAD EVEN CONTACTED OR FILED DISPUTE WITH AMEX, telling me that I should call American Express to discuss the XXXX XXXX charge. To I believe further manipulate the narrative in favor of its merchant XXXX XXXX ; Then around XXXX, XXXX when I logged-in to my Amex account to file the formal dispute. AMERICAN EXPRESS COMPANY had knowingly manipulated and remover the dispute this charge button SPECIFICALLY ONLY FOR THE XXXX  XXXX  charge from my AmEx online account, to prevent me from filing a timely dispute. I checked my other AmEx charges from XXXX and all except the XXXX  XXXX  CHARGE had presented the Dispute This Charge button. Even after trying several days including calling AmEx by phone I was put on hold, hung-up on and was not able to file the dispute.. \n\nThen around XX/XX/2020 when the Amex dispute button repaired for the XXXX XXXX XXXX, American Express had changed all the standard options in my Amex account dispute panel, specifically only for the XXXX XXXX charge to prevent and obstruct a reason for the charge.. \n\nThen when I selected the reason as expected service not delivered, request refund, and then finally submitted the dispute, a never before seen notification from American Express automatically popped-up telling me that American Express can not process my dispute, that I must call them to discuss the charge.. Where it became clear and undisputable that AMERICAN EXPRESS COMPANY was knowingly conspiring and providing unfair substantial assistance to the service provided KOREAN AIRLINES to unfairly deprive refund and cause service members military consumers harm. Was around XX/XX/XXXX, when before as filing dispute to American express, I had sent email to KOREAN AIRLINES SPECIFICALLY ASKING THEM to send and provide any written or signed agreement with signature showing that XXXX XXXX disclosed the information they had claimed in the two invoices they had conveniently created on XX/XX/2020. But to my surprise instead of receiving a reply from XXXX XXXX. I received an unsolicited unsecured email from AMERICAN EXPRESS specifically challenging me to provide the same exact written signed agreements that I had challenged Korean Airlines to provide to me hours before ; Further on XX/XX/2020 after I had submitted scans of the two original commercial receipts from each transaction, The XX/XX/2020 XXXX XXXX New York JFK-ICN Portion Original Merchant terminal receipt ( from the second e-ticket ) ; and also the XX/XX/2020 XXXX original e-ticket transaction receipt ( that was involuntarily cancelled by XXXX XXXX on XX/XX/XXXX ) ; and the my statement disputing the fraudulent charges. Days later on XX/XX/2020 AMERICAN EXPRESS ignoring the proof and evidence of the fraud, resolved the dispute in there merchant XXXX XXXX FAVOR. But what followed again was indisputable proof the AMERICAN EXPRESS COMPANY is knowingly conspiring and providing unfair substantial assistance to the service provided XXXX XXXX to unfairly deprive refund and cause service members military consumers harm, Is that AMERICAN EXPRESS COMPANY again blocked by removing the REOPEN THIS CLAIM BUTTON only specifically for the KOREAN AIRLINES charge, ( I did check-all other closed claims for XXXX, and all except the XXXX XXXX Charge harm the Reopen this claim button ) .. \n\nthen AMERICAN EXPRESS COMPANY after the dispute was filed.. CHANGED THE TRANSACTION DATE of the in-person transaction made with Korean airlines ( from XX/XX/2020 to XX/XX/2020 on the dispute, which is FALSE., to unfairly provide help to their merchant XXXX XXXX to create FAKE FALSE INVOICES TO FURTHER DEFRAUD and cause service members harm. \n\nFor the above unfair provision of help and deceptive, actions AMERICAN EXPRESS COMPANY, XXXX XXXX and XXXX XXXX has violated section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ), which prohibits providing substantial assistance to a covered person or service provider engaging in unfair, deceptive, or abusive acts and practices.","date_sent_to_company":"2020-09-16T04:26:26.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3850599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-09-16T00:02:24.000Z","state":"AP","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Then <em>AMERICAN</em> EXPRESS COMPANY around XX/XX/2020 also in concert with the others, sent me an unsolicited email message, ( BEFORE I HAD EVEN CONTACTED OR <em>FILED</em> DISPUTE WITH AMEX, telling me that I should call <em>American</em> Express to discuss the XXXX XXXX charge. To I believe further manipulate the <em>narrative</em> in favor of its merchant XXXX XXXX ; Then around XXXX, XXXX when I logged-in to my Amex account to <em>file</em> the <em>formal</em> dispute."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[12.828279,"3850599"]},{"_index":"complaint-public-v1","_id":"18398627","_score":5.800901,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo exhibits consistent and deliberate dishonest and fraudulent behavior, including disingenuousness, negligence, deception, and unethical business practices. Leveraging its apparent power advantage, such as access to a team of high-powered, costly attorneys and resources, the bank has prolonged this case for a year, yet has failed to provide any evidence to clear itself of the alleged crimes. \n\nXXXX XXXX XXXX XXXX and his team of high-powered attorneys, like his predecessor, demonstrate a blatant disregard for the law. They appear to believe they can bypass legal requirements by relying solely on words, without supporting legal documents, to dismiss allegations of fraudulent, deceptive, and wrongful practices by the Wells Fargo executive team and employees.\n\nWithout legal help and limited resources, I have spent years meticulously gathering and presenting significant evidence of Wells Fargos misconduct, wrongdoing, and criminal behavior. If Wells Fargo had not fraudulently issued that credit card, falsely reported my creditdamaging my lifeand breached our loan agreements, imposing close to {$200000.00} in penalties, I wouldnt be facing this devastating, life-altering crisis. \n\nWells Fargo has failed to provide evidence regarding the credit card : The application for the XXXX XXXX XXXX XXXX XXXX of credit limit increase from {$5000.00} to {$50000.00}. \nXXXX XXXX confirmation letter for the credit increase to {$50000.00}. \nEvidence of running XXXX hard credit reports, indicated by Wells Fargo, XXXX for the {$5000.00} limit and another for the {$50000.00} limit. \nExplanation as to why the personal card was sent to my business address? \n\nAccording to Wells Fargos analysis, its employees applied for roughly XXXX credit card accounts on behalf of consumers without authorization. Wells Fargo executives tend to quickly blame employees when directed to use deceptive practices to boost sales. \n\nThe law states that individuals at the bank who were involved in or directed the fraud, including senior employees and executives, XXXX face criminal charges, including potential imprisonment and significant personal fines. \n\nWells Fargo has further worsened its situation by persistently engaging in deceptive and willful misconduct, including lying about the application of the loan prepayment penalty and repricing charges. \n\nWells Fargo claimed it used repricing for the loan refinance, even though the loan document clearly states that a prepayment penalty was charged to us. Additionally, Wells Fargo said it assessed a prepayment penalty on the loan payoff, even though the loan document explicitly states that a repricing penalty was applied. Wells Fargo acknowledged our initial and ongoing agreement to waive any prepayment penalty under Same Lender Loyalty ( the same deal we had for the refinance ). \n\nHowever, Wells Fargo deceptively revised the loan payoff document by rebranding the prepayment penalty as a Repricing fee and intentionally concealed the true nature of the prepayment penalty. This misleading and deceptive statement was used to impose an early payoff penalty of {$54000.00}, which is illegal under consumer protection laws such as the Dodd-Frank Act, enforced by the Consumer Financial Protection Bureau XXXX CFPB ). \n\nAccording to XXXX, XXXX '' is a term used in the context of loan agreements and generally used for refinance and refers to adjusting the interest rate, not a penalty itself. The fee for paying off a loan early is called a prepayment penalty or an early payoff penalty. \n\nIn addition, there was no mention of repricing when we signed the loan or at payoff. Repricing was introduced as a new term without prior disclosure. \n\nTruth in Lending Act ( TILA ) / Regulation Z : This federal law requires lenders to provide clear and standardized disclosures of all credit terms and costs ( including the Annual Percentage Rate, finance charges, and payment schedule ) before the loan is finalized ( consummation ). The goal is to allow you to compare loan offers and avoid misleading practices. \nClosing Disclosure : For mortgages, you must receive a Closing Disclosure at least XXXX business days before closing. This document finalizes the terms. If terms change after this, a new disclosure and potentially a new waiting period are required. \nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Introducing surprise fees or terms at the last minute could also be considered a deceptive practice, which is prohibited under consumer financial protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ).\n\nContract Law : A loan agreement is a binding contract. Generally, one party can not unilaterally change the agreed-upon terms unless the original contract explicitly allows for the specific change ( e.g., a variable interest rate clause that outlines how the rate can change ).\n\nThe law states that when a bank lies or engages in deceptive practices, it will face severe consequences, including substantial fines, restitution orders to repay affected customers, reputational damage, operational restrictions, and potential criminal charges for individuals involved. These actions are categorized as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and are illegal under federal and state laws, most notably the Dodd-Frank Act and the Federal Trade Commission ( FTC ) Act. \n\nDuring a discussion with XXXX XXXX from Wells Fargos XXXX XXXX ( XXXX ), I discovered that the Wells Fargo CEO has been directly involved in my complaints and in the decision-making process. In their latest response letter, XXXX stated that, after further review, they found no errors or misconduct in Wells Fargos practices and therefore decided not to pay the {$30.00} XXXX in compensation. Instead, they offered a {$270.00} customer appreciation check for the inconvenience caused. \n\nWells Farog has a long history of deception and wrongful business practices and systemic issues and consumer harm in creating fake records, forged signatures on account-opening documents and credit card applications to make them appear legitimate, constitutes identity-related fraud in addition to identity fraud, false credit reporting and derogatory reporting, false statements, misrepresentation of facts, deceptive practices, and falsification of information to gain customers business as part of a widespread scheme to meet aggressive sales goals.\n\nI have a compelling case against Wells Fargo, backed by numerous facts indicating violations of both state and federal laws stemming from its actions, including recent false statements about conducting two hard credit inquiries and misrepresentations in the loan documents regarding prepayment and repricing.\n\nWells Fargo has a duty to prevent economic and emotional harm to its customers. Wells Fargos intentional wrongful actsfraud, perjury, negligence, and wrongful credit reportinghave caused me years of financial, emotional, and mental suffering.\n\nWells Fargo did not exercise reasonable care to prevent the financial and credit damages I experienced. No amount of money can fully compensate for the Emotional Distress and Anguish, pain, and suffering caused by Wells Fargos actions from XXXX to XXXX. I lost the most productive years of my professional and personal life and suffered greatly. \n\nThe consequences of Wells Fargos actions include civil lawsuits and punitive damages, supported by evidence of forgery, identity theft, fraud, violations of the Fair Credit Reporting Act ( FCRA ), negligence, deceptive practices, defamation, and related offenses. Punitive damages are justified to punish Wells Fargo and prevent similar conduct in the future. This case calls for damages of {$30.00} XXXX, including {$5.00} XXXX designated for the CFPB. These funds will be used to monitor Wells Fargos operations, halt its deceptive and fraudulent practices, and prevent future issues.\n\nUltimately, justice must be served for those who suffered, and Wells Fargo must be held accountable. I request that the CFPB take enforcement action against Wells Fargo for its pattern of fraud, misrepresentation, and false statements, and for violations of the Fair Credit Reporting Act, regulatory requirements, banking laws, consumer protection statutes, and credit reporting regulations.\n\nIn addition to filing complaints with the FDIC, the State Regulator, the Attorney General, the Office of the Comptroller of the Currency ( OCC ), and the FTC, and the Wells Fargo Board of Directors.\n\nAnalysis and interpretation of key phrases in Wells Fargo 's Final Response WF : We take allegations of employee misconduct seriously and referred this matter for review. Due to privacy, personnel outcomes remain internal. \n\nEnclosed are statements from XX/XX/XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX. If you believe transactions were unauthorized, contact Credit Card Fraud Claims at XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ). We can not provide additional documentation on the credit limit increase due to retention limits, but confirm the request was approved on XX/XX/XXXX. \n\nCredit applications and limit increases involve a hard inquiry, standard industry practice, which XXXX temporarily affect your credit score. A limit increase updates your existing account, not creating a new one ; each account appears individually on your credit report. \n\nAn identity theft claim was investigated, and per our letter dated XX/XX/XXXX, we found no fraud or unauthorized transactions. \n\nEvidence shows you activated the card, made payments, or benefited from the account. Any temporary credit will be reversed. \n\nImplication : This is a crucial admission. Wells Fargo asserts a fact ( the approval date ) but can not produce the evidence ( the signed request or the hard inquiry report ). Federal banking regulations and the FCBA generally require institutions to retain records relating to account openings and disputes for a minimum of XXXX years, and often longer in cases of alleged fraud. An attorney can argue that their inability to produce this evidence means they can not prove you authorized the change. \n\nWF : Evidence shows you activated the card, made payments, or benefited from the account. '' Implication : They are leveraging the fact that the unauthorized employee used my business accounts to make payments, misrepresenting this as my authorization or activation. This clearly shows the payments were disguised and made without my knowledge or consent.\n\nWF : An identity theft claim was investigated, and per our letter dated XX/XX/XXXX, we found no fraud or unauthorized transactions. '' Implication : This is their final, formal denial of my claim. It solidifies their position and opens the door to file a lawsuit after exhausting all mandatory dispute-resolution channels.\n\nThese statements provide further insight into Wells Fargo 's defensive stance and highlight key areas your attorney will focus on : WF : Our review confirms the application address was your employer 's at the time. '' This confirms negligence in verifying the nature of the address. A personal credit card should typically not be mailed to a business address without specific, verified instructions. This indicates a failure of the bank 's procedure for verifying the application details and the recipient 's authority. \n\nWF : A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. '' Implication : This constitutes XXXX XXXX unethical business practice and a trap tactic, arguing that by cashing this check ( entirely unrelated, and it was for customer appreciation and convenience ), I somehow accepted a resolution or benefit that compromises my ability to sue for the larger issue. Wells Fargo needs to clarify the nature of the check directly. \n\nWF : Under the Fair Credit Reporting Act, we report accurate account history. '' Implication : This is the core of the legal battle. I maintain that the history is not accurate because the entire account was fraudulent from inception. Their statement that the account is \" suppressed from monthly reporting due to first delinquency on XX/XX/XXXX, '' is standard procedure, but doesn't validate the underlying debt. Wells Fargos prior admission ( correcting my credit report after the CFPB complaint ) as evidence that their reporting was, in fact, inaccurate.\n\nWF : Our review confirms the application address was your employer 's at the time. Regarding collection calls, they are courtesy, not guaranteed. Account status can be reviewed via mailed statements or online. We honored your cease-and-desist request ; legally required communications will continue. A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. We regret any inconvenience. Under the Fair Credit Reporting Act, we report accurate account history. Your account is suppressed from monthly reporting due to first delinquency on XX/XX/XXXX. For credit report questions, contact the agencies directly. You are entitled to XXXX free report annually. \n\nImplication : Wells Fargo asserts it has XXXX separate credit reports, but where are theyone for the {$5000.00} limit and another for the {$50000.00} limit? Recent evidence demonstrates that Wells Fargo lied and misrepresented that it ran XXXX hard credit inquiries on me in XX/XX/XXXX. \n\nMoreover, there was no application for the XXXX XXXX XXXX credit card, yet the signature on the application they provided was clearly forged. Initially, Wells Fargo stated that a signature was required in-branch to open the account, but later reversed course, asserting that no signature was required. \n\nWells Fargo has a six-month rule : a customer can not get approved for a new Wells Fargo credit card if they have opened one with Wells Fargo within the last six months.\n\nWF : Their business real estate loan originated on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnterest. The rate adjustment in XXXX, reduced to XXXX XXXX with a repricing fee of {$110000.00}, which was paid. \nThis is incorrect ; we were charged a prepayment penalty on the refinance. \n\nThe payoff request in XXXX, a payoff demand included a prepayment penalty of {$54000.00} due to market conditions. No errors were found ; all actions aligned with the loan terms. Compensation is declined. \n\nImplication : This is false ; we were charged a repricing fee of {$54000.00} for the loan payoff, not for the refinance. The settlement agreement for the loan payoff included a prepayment penalty. Realizing we had a deal, like the one for the original loan/refinancing, with the difference that the person who sold us a bill of goods was still an employee of Wells Fargo , we brought this to her attention. Wells Fargo engaged in deceptive tactics, created a new payoff form that changed the term from 'prepayment ' to 'repricing, ' and imposed a penalty of {$54000.00}.\n\nWF : \" A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. '' Implication : This is WFs trap tactic, claiming that cashing this unrelated check ( for a different matter ) somehow indicates I accepted a resolution or benefit that could jeopardize my ability to pursue the larger claim. The check was offered by an employee of Wells Fargos escalation department as compensation for the inconvenience and as a gesture of appreciation for the customer.\n\nWF : \" Under the Fair Credit Reporting Act, we report accurate account history. '' Implication : This is the core of the legal battle. I maintain that the history is not accurate because the entire account was fraudulent from inception. Their statement that the account is \" suppressed from monthly reporting due to first delinquency on XX/XX/XXXX, '' is standard procedure, but doesn't validate the underlying debt. Using Wells Fargos prior admission ( correcting my credit report after the CFPB complaint and finding discrepancies in Wells Fargo 's credit reporting ) as evidence that their reporting was, in fact, inaccurate.\n\nWF : Our review confirms the application address was your employer 's at the time. Regarding collection calls, they are courtesy, not guaranteed. Account status can be reviewed via mailed statements or online. We honored your cease-and-desist request ; legally required communications will continue. A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. We regret any inconvenience. Under the Fair Credit Reporting Act, we report accurate account history. Your account is suppressed from monthly reporting due to first delinquency on XX/XX/XXXX. For credit report questions, contact the agencies directly. You are entitled to XXXX free report annually. \n\nTheir business real estate loan originated on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnterest. The rate adjustment in XXXX, reduced to XXXX XXXX  with a repricing fee of {$110000.00}, which was paid. \n\nImplication : This statement is false ; Wells Fargo breached our agreement and charged a prepayment penalty of {$110000.00} on the refinance, not on repricing.\n\nWF : The payoff request in XXXX, a payoff demand included a prepayment penalty of {$54000.00} due to market conditions. No errors were found ; all actions aligned with the loan terms. Compensation is declined. \n\nImplication : This is incorrect ; the first settlement agreement for the loan payoff included a prepayment penalty. The new loan payoff rebranded the prepayment penalty as a repricing fee to conceal its true purpose, resulting in another significant loss. \nWells Fargo used deception to induce us to enter into a financial transaction and breached our agreements. Wells Fargo was fully aware of applicable lending laws and deliberately misrepresented information and instructed notes regarding the waiver of the prepayment penalty on the refinance and payoff, on which we relied in doing business with Wells Fargo. \n\nWells Fargo responded in a letter, For clarity and consistency, our policy is based on written documentation and verbal agreements are not legally binding. \n\nWells Fargo relied on its extensive knowledge of lending laws, gave false information, and misled us into doing business with it. We were assured by the loan agent that we would not be charged a penalty for refinancing with Wells Fargo or for early payment, as documented in the loan agreement, pursuant to the loan agents instructions. Wells Fargo breached our contract agreement and imposed a prepayment penalty for the refinance. \n\nDate of XXXX : XXXX : Account opened fraudulently with a forged signature, negligence in account management, and erroneous credit reporting. \n\nTimeline of Events of Wells Fargos Negligence Causing Irreversible Harm Approximate Date Event Description XXXX Wells Fargo issues a personal credit card for American Express Propel in my name with an initial {$5000.00} credit limit via a forged signature. \nAccording to Wells Fargo, the account was opened on XX/XX/XXXX, following a credit card application submitted on XX/XX/XXXX, for which information was provided at a branch, and my signature was obtained. \nXXXX Wells Fargo sends the personal credit card to my business address, in the hands of an unauthorized employee with access to mail and business accounts. \nXXXX The employee uses the credit card and disguises payments made from my business accounts under business expenses. \nXXXX ( Date of Discovery ) Employee leaves employment. I take over accounts payable and discover a {$55000.00} balance on an unknown credit card. \nXXXX I immediately contact Wells Fargo to report the account as fraudulent. \nXXXX Wells Fargo finds \" no fraud, '' citing that the account was actively used and paid from my accounts for XXXX years. \nXXXX I refuse to pay the fraudulent balance. WF charges off the account and reports non-payment to credit bureaus. I requested that WF to remove the negative credit reporting. WF responded as below : XXXX My XXXX XXXX drops from XXXX to XXXX. \nXXXX XXXX XXXX XXXX remains suppressed due to derogatory marks ( approx. XXXX years ). \nXX/XX/XXXX I contacted WF debt collection and provided my SS # and my name to locate the account on my credit report. The agent was not able to locate the account on my credit report. \nXXXX I file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and request all documentation from WF. I found discrepancies in Wells Fargos credit reporting. WF realizes its mistake, immediately reverses its credit reporting. Approximately XXXX derogatory marks are cleared. My XXXX XXXX rises to XXXX and week later to XXXX. \nLate XXXX After months of review and providing my evidence of fraud, Wells Fargo issues a final statement asserting they found \" no wrongdoing. '' XXXX. List of Evidence and Discrepancies I possess documented evidence illustrating Wells Fargos multiple inconsistencies across its narratives and credit reporting practices.\n\n.\n\nEvidence/Discrepancy Description and Status of WF Response Forged Signature I insisted the signature on the application provided by WF was not mine. WF claimed it was signed in a branch, then later claimed no signature was required.\n\nGeneric Application Wells Fargo provided a generic application form with the alleged forged signature, which lacked specific details ( e.g., name of credit card, purpose, initial credit limit ). \nCredit Limit Discrepancy The XXXX Welcome Letter indicated a {$5000.00} limit. Wells Fargo claims I requested an immediate increase to {$50000.00} the next day, claiming it ran XXXX hard credit inquiry, but can not produce any supporting documentation. No letter from XXXX XXXX XXXX to confirm the increase from {$5000.00} to {$50000.00}. \nMissing Documentation Wells Fargo could not produce evidence of the requested credit limit increase, the XXXX XXXX reports/inquiries, approval letter for the increase from XXXX XXXX XXXX XXXX proof of the \" in-branch '' signing process. \nWF Internal Policy Violations Issuing another credit card with such limit, contradicts with Wells Fargos internal policy, where customers can not get a new card within XXXX months of a prior XXXX, and legitimate limit increases require application/re-application procedures Credit Limit Contradiction with Wells Fargos Policy WF claims an immediate verbal increase to $ XXXX was permitted which contradicts with the company policy. i.e, XXXX of my personal credit cards had a limit of $ XXXX, I asked Wells Fargo agent to reduce the limit from XXXX to XXXX. The same week, I changed my mind, and I told them to keep the limit at XXXX. I was told I could increase the limit verbally, and I needed to reapply for the credit increase. \nProof of Payments from Business Account and Not the Personal Account The business records showing payments were made from my business accounts by the unauthorized employee in possession of the XXXX XXXX XXXX card, under general credit card charges and payments which can be cross-referenced with the credit card statements. \nCFPB Correspondence Complete history of my complaint with the CFPB portal, including all responses from Wells Fargo and the final determination of \" no wrongdoing '' despite the mountain of evidence against. \nXXXX XXXX XXXX derogatory reports over 7 years. \nProved discrepancies in Wells Fargo reporting, which had to make correction to my credit report. My score changed in XXXX from XXXX to XXXX. \nWells Fargo found guilty of wrong credit reporting Wells Fargo 's correction of my credit report following my CFPB complaint further confirms that Wells Fargo made a credit reporting error, and Wells Fargo continues to deny any wrongdoing. \nMy Existing Accounts I had no need for a {$50.00} XXXX XXXX XXXX card, I already held several personal and business with WF issued XXXX months prior, in addition to having other credit cards from other financial institutions, such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, demonstrating no need for a new XXXX Propel card. \nThis contradicts their standard policy where customers can not get a new card within XXXX months of a prior XXXX, Timeline of Events of WFs Negligence Causing Irreversible Harm. \n\nApproximate Date Event Description XXXX Wells Fargo XXXX an XXXX XXXX XXXX credit card account in my name with a initial {$5000.00} credit limit via a forged signature. \nXXXX WF issues the personal credit card to my place of business address, where an unauthorized employee had access to mail and business accounts. \nXXXX The unauthorized employee uses the credit card and disguises payments made from my business accounts. \nXXXX ( Date of Discovery ) Employee leaves employment. I take over accounts payable and discover a {$50000.00} balance on an unknown credit card. \nXXXX I immediately contact Wells Fargo to report the account as fraudulent. \nXXXX Wells Fargo finds \" no fraud, '' citing that the account was actively used and paid from my accounts for XXXX years. \nXXXX I refuse to pay the fraudulent balance. WF charges off the account and reports non-payment to credit bureaus. I requested that WF to remove the negative credit reporting. WF responded as below : XXXX My XXXX XXXX drops from XXXX to XXXX. \nXXXX XXXX XXXX XXXX remains suppressed due to derogatory marks ( approx. XXXX years ). \nXX/XX/XXXX I contacted WF debt collection and provided my SS # and my name to locate the account or my credit report. The agent was not able to locate the account on my credit report. WF sent a response they show no record of me contacting Wells Fargo agent for inquiry. Soon After I file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and request all documentation from WF. \nXXXX I found discrepancies in Wells Fargos credit reporting. WF realizes its mistake, immediately reverses its credit reporting. Approximately XXXX derogatory marks are cleared. My XXXX XXXX rises to XXXX and week later to XXXX. \nLate XXXX After months of review and providing my evidence of fraud, Wells Fargo issues a final statement asserting they found \" no wrongdoing. ''","date_sent_to_company":"2026-01-01T00:58:06.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91101","tags":"Older American","has_narrative":true,"complaint_id":"18398627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-01T00:47:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["XXXX I <em>file</em> a <em>formal</em> <em>complaint</em> with the Consumer Financial Protection Bureau ( CFPB ) and request all documentation from WF. I found discrepancies in Wells Fargos credit reporting. WF realizes its mistake, immediately reverses its credit reporting. Approximately XXXX derogatory marks are cleared. My XXXX XXXX rises to XXXX and week later to XXXX."]},"sort":[5.800901,"18398627"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Credit card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4}]}},{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Other banking product or 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