{"took":345,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":93999,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8025196","_score":8.375885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Call for Immediate Action : If USAA <em>Federal</em> Savings Bank fails to provide evidence of <em>compliance</em> and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA <em>Federal</em> Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX."]},"sort":[8.375885,"8025196"]},{"_index":"complaint-public-v1","_id":"14018089","_score":8.291616,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX attempts to collect federally regulated utility debt without proper authority under 16 U.S.C. 824 ( XXXX XXXX XXXX ). XXXX XXXX XXXX is XXXX-regulated utility requiring federal compliance for third-party collection. XXXX XXXX lacks regulatory authorization to collect utility service debts and violates 15 U.S.C. 1692f through unauthorized collection of essential utility obligations without federal regulatory compliance or proper utility service consumption validation.","date_sent_to_company":"2025-06-12T00:06:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"80013","tags":"Servicemember","has_narrative":true,"complaint_id":"14018089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2025-06-11T23:53:48.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX attempts to collect <em>federally</em> regulated utility debt without proper authority under 16 U.S.C. 824 ( XXXX XXXX XXXX ). XXXX XXXX XXXX is XXXX-regulated utility requiring <em>federal</em> <em>compliance</em> for third-party collection. XXXX XXXX lacks regulatory authorization to collect utility service debts and violates 15 U.S.C. 1692f through unauthorized collection of essential utility obligations without <em>federal</em> regulatory <em>compliance</em> or proper utility service consumption validation."]},"sort":[8.291616,"14018089"]},{"_index":"complaint-public-v1","_id":"5928882","_score":8.17243,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ALL 4 creditors are ALL not in compliance with Metro 2 Compliance and federal laws. They have not answered any questions in my dispute. I am also disputing every Fcra law from 312-623. Every last one. Plus I've submitted my letter attached notarized. Please punish them for not being in compliance of federal laws. I sent this letter to all 3 bureaus as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also want all inquiries DELETED. and ALL ACCOUNTS except XXXX XXXX and XXXX  XXXX XXXX. \nThank you. \nXXXX XXXX All rights reserved XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-09-19T00:16:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90061","tags":null,"has_narrative":true,"complaint_id":"5928882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-29T09:05:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["ALL 4 creditors are ALL not in <em>compliance</em> with Metro 2 <em>Compliance</em> and <em>federal</em> laws. They have not answered any questions in my dispute. I am also disputing every Fcra law from 312-623. Every last one. Plus I've submitted my letter attached notarized. Please punish them for not being in <em>compliance</em> of <em>federal</em> laws. I sent this letter to all 3 bureaus as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also want all inquiries DELETED. and ALL ACCOUNTS except XXXX XXXX and XXXX  XXXX XXXX. \nThank you."]},"sort":[8.17243,"5928882"]},{"_index":"complaint-public-v1","_id":"21950310","_score":8.146682,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding an improper setoff of {$2100.00} by Navy Federal Credit Union from my checking account. \n\nOn or about XX/XX/year>, funds were transferred from my XXXX account into my Navy Federal account. These funds originated from VA disability benefits, which are federally protected under 38 U.S.C. 5301.\n\nShortly after the transfer, Navy Federal applied {$2100.00} of these funds toward a credit card balance without my authorization. These funds were directly traceable to VA disability benefits at all times.\n\nFederal law explicitly protects VA disability benefits from attachment, levy, or seizure. The transfer of funds between accounts does not remove their protected status when they remain identifiable and traceable.\n\nI contacted Navy Federal through chat and written communication to dispute this action. I requested : Reversal of the {$2100.00} setoff Explanation of the withdrawal Confirmation that this matter was reviewed by their Compliance or Legal Department Navy Federal refused to address the dispute and instead directed me to contact their collections/recoveries department. This is not a collections issue. This is a compliance issue involving federally protected funds.\n\nNavy Federal has failed to properly investigate or respond to my dispute regarding the improper taking of protected VA disability benefits.\n\nI am requesting : Immediate reversal of the {$2100.00} setoff Restoration of the funds to my account Written confirmation of corrective action Review of this matter by Navy Federals Compliance or Legal Department If this matter is not resolved, I will pursue further regulatory and legal remedies.","date_sent_to_company":"2026-05-06T21:20:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"655XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21950310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-06T21:00:19.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I requested : Reversal of the {$2100.00} setoff Explanation of the withdrawal Confirmation that this matter was reviewed by their <em>Compliance</em> or Legal Department Navy <em>Federal</em> refused to address the dispute and instead directed me to contact their collections/recoveries department. This is not a collections issue. This is a <em>compliance</em> issue involving <em>federally</em> protected funds."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[8.146682,"21950310"]},{"_index":"complaint-public-v1","_id":"7680689","_score":8.134854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX : To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.\n\nTo Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.","date_sent_to_company":"2023-10-11T22:54:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36801","tags":null,"has_narrative":true,"complaint_id":"7680689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-11T22:39:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As you are well aware, <em>federal</em> law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these <em>federal</em> regulations by credit reporting agencies are investigated by the <em>Federal</em> Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-<em>compliance</em>. I further remind you that, as in Wenger v."]},"sort":[8.134854,"7680689"]},{"_index":"complaint-public-v1","_id":"6980773","_score":8.043363,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"capital one is not in compliance with the truth in lending act and the fair credit reporting act. \nthey are in many violations pursuant to federal law company policy does not trump federal law","date_sent_to_company":"2023-05-15T14:35:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10453","tags":null,"has_narrative":true,"complaint_id":"6980773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-15T14:30:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["capital one is not in <em>compliance</em> with the truth in lending act and the fair credit reporting act. \nthey are in many violations pursuant to <em>federal</em> law company policy does not trump <em>federal</em> law"]},"sort":[8.043363,"6980773"]},{"_index":"complaint-public-v1","_id":"9191235","_score":8.00721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Because of the lack of compliance with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the federal law they have to be aware that their lack of compliance with the federal laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights. I am a victim of fraud and even after notifying them of this they closed my credit card out of retaliation for being a victim.","date_sent_to_company":"2024-06-07T03:45:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"321XX","tags":null,"has_narrative":true,"complaint_id":"9191235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-07T03:45:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Because of the lack of <em>compliance</em> with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the <em>federal</em> law they have to be aware that their lack of <em>compliance</em> with the <em>federal</em> laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights."]},"sort":[8.00721,"9191235"]},{"_index":"complaint-public-v1","_id":"9190845","_score":8.00721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Because of the lack of compliance with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the federal law they have to be aware that their lack of compliance with the federal laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights. I am a victim of fraud and even after notifying them of this they closed my credit card out of retaliation for being a victim.","date_sent_to_company":"2024-06-07T03:45:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"321XX","tags":null,"has_narrative":true,"complaint_id":"9190845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-07T03:45:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Because of the lack of <em>compliance</em> with the law and regulations that govern the credit union. I am sending you this communication with the credit union to advise them that since they have not been complying with the <em>federal</em> law they have to be aware that their lack of <em>compliance</em> with the <em>federal</em> laws is causing me to sue them for the loss of money that I could not get due to the fact they have made a active choice to make their own law and violate my rights."]},"sort":[8.00721,"9190845"]},{"_index":"complaint-public-v1","_id":"5844845","_score":7.9884553,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Some woman alleging to be XXXX called several times from a number in XXXX, TX ( XXXX ) XXXX. She alleges to work for Centennial Bank. She alleges to be calling regarding a dispute. The number from which XXXX calls is an unmanned mailbox and is directly routed to a switchboard notice. There is no extension provided. There is no last name provided. There is no operator to speak with. This is a fraud scheme carried out by Centennial Bank. They do not investigate disputes in compliance with federal law. Instead they knowingly engage in these scams with the intent of evading compliance with federal law.","date_sent_to_company":"2022-08-04T17:16:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"330XX","tags":null,"has_narrative":true,"complaint_id":"5844845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HOME BANCSHARES, INC.","date_received":"2022-08-04T17:05:39.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They do not investigate disputes in <em>compliance</em> with <em>federal</em> law. Instead they knowingly engage in these scams with the intent of evading <em>compliance</em> with <em>federal</em> law."]},"sort":[7.9884553,"5844845"]},{"_index":"complaint-public-v1","_id":"9012915","_score":7.985837,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally address a significant concern that arose from a recent interaction with one of your supervisory staff regarding the handling of a U.S. Treasury check, which I deposited into my account on XX/XX/2024. The check, totaling {$30000.00}, was subjected to an extended hold, with {$29000.00} of the funds delayeda situation communicated through a notification sent several hours post-deposit, not at the time of deposit as required by federal law ( 12 CFR 229.13 ( g ) ). \n\nAfter discussing this matter with my attorney regarding the unjustified delay on a government-issued check, I contacted NFCU customer support for clarification. During my conversation with a supervisor on XX/XX/2024, I was surprised to hear the statement that Navy Federal Credit Union does not follow federal regulations. This statement is deeply concerning, given the credit union 's obligations under federal law, specifically under Regulation CC ( Expedited Funds Availability Act ).\n\nAs a longstanding member of NFCU, these issues are particularly disconcerting.\n\n1. Regulation Compliance : Regulation CC mandates that the first {$5000.00} of a government check be made available by the next business day. The remainder can be held longer, but the rationale must be clearly justified under specific conditions that should be transparent to the customer. ( 12 CFR 229.10 and 229.13 ) 2. Notification and Explanation : The notification of the hold stated that the delay was due to \" confidential information '' suggesting the check may not be paid. Given the source of the check ( U.S. Treasury ), the assertion that it might be uncollectible needs substantial justification. Unfortunately, both representatives and the supervisor were unable to provide any reasonable explanation for placing a hold on a U.S. government issued check.\n\n3. Statement on Regulatory Compliance : The claim by the supervisor that Navy Federal does not follow federal regulations is alarming and contradicts the foundational compliance requirements expected of all federally insured financial institutions. \n4. 4. I request a detailed explanation regarding the statement about non-adherence to federal regulations as mentioned by the supervisor in accordance with applicable federal regulation.\n\n5. I seek clarification on the specific reasons and the so-called \" confidential information '' used to justify the extended hold on a U.S. Treasury check .\n\n6. Please provide a written response confirming Navy Federal 's policies and practices concerning compliance with Regulation CC and other applicable federal regulations.\n\n7. I urge you to release the held funds in compliance with federal regulation, as outlined under Regulation CC.\n\nGiven the nature of this issue and its potential implications, I expect a prompt and comprehensive response. I am prepared to take further actions, including filing complaints with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and the National Credit Union Administration ( NCUA ), if this matter is not resolved satisfactorily.\n\nThank you for your attention to this urgent matter. I look forward to your prompt resolution to maintain the trust and integrity of our banking relationship.","date_sent_to_company":"2024-05-15T15:16:32.000Z","issue":"Unexpected or other fees","sub_product":"Money order, traveler's check or cashier's check","zip_code":"45459","tags":null,"has_narrative":true,"complaint_id":"9012915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-15T15:08:16.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Statement on Regulatory <em>Compliance</em> : The claim by the supervisor that Navy <em>Federal</em> does not follow <em>federal</em> regulations is alarming and contradicts the foundational <em>compliance</em> requirements expected of all <em>federally</em> insured financial institutions. \n4. 4. I request a detailed explanation regarding the statement about non-adherence to <em>federal</em> regulations as mentioned by the supervisor in accordance with applicable <em>federal</em> regulation.\n\n5."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[7.985837,"9012915"]},{"_index":"complaint-public-v1","_id":"8387355","_score":7.963746,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Credit Acceptance Corporation 's ongoing violations and non-compliance with regulatory laws in the United States, as per XXXX XXXX XXXX point to potential breaches of federal law, specifically related to civil rights violations. Section XXXX makes it illegal for anyone acting under state authority to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States. In the context of Credit Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under federal laws governing consumer protection. Such conduct may be subject to federal investigation and legal action to ensure compliance with civil rights protections and consumer rights laws in the United States.","date_sent_to_company":"2024-02-21T15:19:18.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"8387355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-02-21T15:09:15.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In the context of Credit Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under <em>federal</em> laws governing consumer protection. Such conduct may be subject to <em>federal</em> investigation and legal action to ensure <em>compliance</em> with civil rights protections and consumer rights laws in the United States."]},"sort":[7.963746,"8387355"]},{"_index":"complaint-public-v1","_id":"3074817","_score":7.96043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : DECLARATION of challenge checking for federally mandated REPORTING COMPLIANCE and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per FEDERAL AND MY STATE LAWS. \nTo whom it might concern. \nNot an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : ALL navient accounts on my credit profile. 9 in total","date_sent_to_company":"2018-11-15T09:42:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"761XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3074817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-11-15T04:37:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["RE : DECLARATION of challenge checking for <em>federally</em> mandated REPORTING <em>COMPLIANCE</em> and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per <em>FEDERAL</em> AND MY STATE LAWS. \nTo whom it might concern."]},"sort":[7.96043,"3074817"]},{"_index":"complaint-public-v1","_id":"7444816","_score":7.9381695,"_source":{"product":"Checking or savings account","complaint_what_happened":"Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB, and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Transunion Corp., No95-6145 ( C.D. Cal. Nov 14, 11995 ), you may be liable for your willful non-compliance.","date_sent_to_company":"2023-08-24T02:31:49.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"7444816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-24T02:16:07.000Z","state":"NV","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Nov 14, 11995 ), you may be liable for your willful non-<em>compliance</em>."]},"sort":[7.9381695,"7444816"]},{"_index":"complaint-public-v1","_id":"1650028","_score":7.927849,"_source":{"product":"Credit reporting","complaint_what_happened":"15 USC 1681s ( a ) ( 1 ) authorize the Federal Trade Commission to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in compliance with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX. They have have denied reinvestigation of dispute of report number XXXX on XXXX/XXXX/2015.","date_sent_to_company":"2015-11-10T19:51:24.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"1650028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-11-10T19:51:23.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["15 USC 1681s ( a ) ( 1 ) authorize the <em>Federal</em> Trade Commission to enforce <em>compliance</em> with the requirements imposed by this subchapter under the <em>Federal</em> Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in <em>compliance</em> with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX."]},"sort":[7.927849,"1650028"]},{"_index":"complaint-public-v1","_id":"17207999","_score":7.927754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX had a maximum redit ine of {$6000.00} and the XXXX XXXX XXXXXXXX herein as : ( XXXX ), shows a balance as Charged-Off as {$6900.00}. No 1099C was offered to me when the debt was charged-off XX/XX/year>. The debt was re-aged in violation of Federal Law to keep the debt on my credit report pass the 7-year statute under Federal Law. And the reporting of the debt is inaccurate, and not in compliance with CFPB Law, FRCA Law, Metro 2 Compliance Law, and Supreme Court Law. The violations are on my TransUnion Credit Report. And XXXX XXXX XXXXXXXX, is in violation of several Federal Laws on my TransUnion Credit Report which has inaccurate information.","date_sent_to_company":"2025-11-13T06:47:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"17207999","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T05:25:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The debt was re-aged in violation of <em>Federal</em> Law to keep the debt on my credit report pass the 7-year statute under <em>Federal</em> Law. And the reporting of the debt is inaccurate, and not in <em>compliance</em> with CFPB Law, FRCA Law, Metro 2 <em>Compliance</em> Law, and Supreme Court Law. The violations are on my TransUnion Credit Report. And XXXX XXXX XXXXXXXX, is in violation of several <em>Federal</em> Laws on my TransUnion Credit Report which has inaccurate information."]},"sort":[7.927754,"17207999"]},{"_index":"complaint-public-v1","_id":"11883111","_score":7.9161825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly requested the removal of a charge-off/collection from my account, yet no progress has been made. The credit reporting agencies have failed to comply with federal law regarding the accurate reporting of information. I requested validation of the account and its removal, but neither Experian nor TransUnion has complied. The account in question, \" XXXX XXXX XXXX, '' continues to be inaccurately reported by both agencies.\n\nThe credit reporting agencies are required by federal law to respond within 30 days, yet they have failed to do so. Failure to comply with these federal regulations is subject to investigation by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-compliance continue. \n\nAs established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-compliance.\n\nI am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to enforce compliance with federal regulations. I seek a prompt resolution to this matter, including the removal of the inaccurate information from my credit report. Please provide a response outlining the steps being taken to address this issue.","date_sent_to_company":"2025-02-01T20:35:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29303","tags":null,"has_narrative":true,"complaint_id":"11883111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T20:35:20.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to comply with these <em>federal</em> regulations is subject to investigation by the <em>Federal</em> Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-<em>compliance</em> continue. \n\nAs established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-<em>compliance</em>."]},"sort":[7.9161825,"11883111"]},{"_index":"complaint-public-v1","_id":"8283304","_score":7.889242,"_source":{"product":"Debt collection","complaint_what_happened":"Federal law mandates a response within 15 days, and non-compliance may lead to fines up to {$1000.00}. Prompt compliance with my request is preferred to avoid the need for a complaint. \nPlease provide the detailed procedures for obtaining investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-06T03:42:32.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"90266","tags":null,"has_narrative":true,"complaint_id":"8283304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T03:36:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>Federal</em> law mandates a response within 15 days, and non-<em>compliance</em> may lead to fines up to {$1000.00}. Prompt <em>compliance</em> with my request is preferred to avoid the need for a complaint. \nPlease provide the detailed procedures for obtaining investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[7.889242,"8283304"]},{"_index":"complaint-public-v1","_id":"11886973","_score":7.8841243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly requested the removal of a charge-off/collection from my account, yet no progress has been made. The credit reporting agencies have failed to comply with federal law regarding the accurate reporting of information. I requested validation of the account and its removal, but neither Experian nor TransUnion has complied. The account in question, \" XXXX XXXX XXXX, '' continues to be inaccurately reported by both agencies.\n\nThe credit reporting agencies are required by federal law to respond within 30 days, yet they have failed to do so. Failure to comply with these federal regulations is subject to investigation by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-compliance continue. \n\nAs established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-compliance.\n\nI am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to enforce compliance with federal regulations. I seek a prompt resolution to this matter, including the removal of the inaccurate information from my credit report. Please provide a response outlining the steps being taken to address this issue.","date_sent_to_company":"2025-02-01T20:35:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29303","tags":null,"has_narrative":true,"complaint_id":"11886973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T19:12:08.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to comply with these <em>federal</em> regulations is subject to investigation by the <em>Federal</em> Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of all communications regarding this matter for the purpose of filing a formal complaint with the FTC should non-<em>compliance</em> continue. \n\nAs established in XXXXXXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies may be held liable for willful non-<em>compliance</em>."]},"sort":[7.8841243,"11886973"]},{"_index":"complaint-public-v1","_id":"8285892","_score":7.857098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with XXXX, Equifax, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.\n\nUnder 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. \n\nThis statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. \n\nIt is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. \n\nI expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.","date_sent_to_company":"2024-02-05T21:15:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60612","tags":null,"has_narrative":true,"complaint_id":"8285892","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-05T21:15:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of <em>compliance</em> with the specified <em>federal</em> statute."]},"sort":[7.857098,"8285892"]},{"_index":"complaint-public-v1","_id":"18075500","_score":7.857007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts are inaccurate and should be removed within 15 days in compliance with federal law.","date_sent_to_company":"2025-12-16T15:57:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77066","tags":null,"has_narrative":true,"complaint_id":"18075500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T15:49:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These accounts are inaccurate and should be removed within 15 days in <em>compliance</em> with <em>federal</em> law."]},"sort":[7.857007,"18075500"]},{"_index":"complaint-public-v1","_id":"8285893","_score":7.856358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX  XXXX XXXX from my credit reports with XXXX, XXXX, and TransUnion. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.\n\nUnder 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. \n\nThis statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. \n\nIt is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. \n\nI expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.","date_sent_to_company":"2024-02-05T21:15:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60612","tags":null,"has_narrative":true,"complaint_id":"8285893","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-05T21:15:07.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of <em>compliance</em> with the specified <em>federal</em> statute."]},"sort":[7.856358,"8285893"]},{"_index":"complaint-public-v1","_id":"16134596","_score":7.8439193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In line with federal compliance standards, delete the disputed accounts within XXXX  days.","date_sent_to_company":"2025-09-23T14:34:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77469","tags":null,"has_narrative":true,"complaint_id":"16134596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-23T14:30:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In line with <em>federal</em> <em>compliance</em> standards, delete the disputed accounts within XXXX  days."]},"sort":[7.8439193,"16134596"]},{"_index":"complaint-public-v1","_id":"2758005","_score":7.83816,"_source":{"product":"Mortgage","complaint_what_happened":"Tried to Modify with XXXX XXXX XXXX representing me in Federal Court and was put into the courts masters program. Then my case was withdrawn from the federal court and was supposed to be put into state court, XXXX committed XXXX. Have been working with a local company after FHA loan was sold from XXXX to XXXX and became a non FHA and then sold to Shell Point Mortgage servicing and was denied numerous times in 2 years. There was no mediation, ShellPoint was and still is conducting UNLICENSED business in my state, and RI Housing issued a Certificate of compliance to forclose when the company is not licensed which is a severe compliance issue.","date_sent_to_company":"2017-12-18T16:53:29.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"02919","tags":null,"has_narrative":true,"complaint_id":"2758005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2017-12-18T16:32:38.000Z","state":"RI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["There was no mediation, ShellPoint was and still is conducting UNLICENSED business in my state, and RI Housing issued a Certificate of <em>compliance</em> to forclose when the company is not licensed which is a severe <em>compliance</em> issue."]},"sort":[7.83816,"2758005"]},{"_index":"complaint-public-v1","_id":"8285394","_score":7.8330674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with Experian, XXXX, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent. \n\nUnder 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. \n\nThis statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. \n\nIt is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. \n\nI expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.","date_sent_to_company":"2024-02-05T21:15:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60612","tags":null,"has_narrative":true,"complaint_id":"8285394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-05T21:06:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of <em>compliance</em> with the specified <em>federal</em> statute."]},"sort":[7.8330674,"8285394"]},{"_index":"complaint-public-v1","_id":"10939251","_score":7.823227,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Against Bank of America for Denial of Bill of Exchange Complaint Summary : Bank of America ( BOA ) has denied acceptance of a Bill of Exchange ( Sight Draft ) presented by PRINCIPAL ; XXXX XXXX XXXX XXXX, citing the requirement of having a business account for over three years, an excellent credit score, and a minimum balance. This decision violates federal and state laws governing negotiable instruments, deprives the principal of rightful financial benefits, and demonstrates potential unjust enrichment through unauthorized use of the principals information.\n\nViolations Cited : Uniform Commercial Code ( UCC ) Compliance UCC 3-104 : A Bill of Exchange meets the definition of a negotiable instrument. It must be honored if validly presented.\n\nUCC 3-501 & 4-301 : BOA has a duty to process and handle presentment of negotiable instruments appropriately and promptly.\n\n31 CFR 328.5 ( b ) : BOA must process financial instruments intended for book-entry securities conversion when presented according to the regulation.\n\nConsumer Financial Protection Act ( 12 U.S.C. 5531 & 5536 ) : BOA 's restrictive policies may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ), preventing legitimate financial transactions.\n\nUnjust Enrichment Allegation : BOA benefits from the principals information ( e.g., account details, transactional data ) without compensating for its financial use or reporting such benefits to regulatory agencies like the SEC, Federal Reserve, or IRS.\n\nFiat Currency Context and Federal Law Compliance : All U.S. currency is fiat-based, and BOAs restrictive policies on processing negotiable instruments contradict the fundamental nature of modern banking under U.S. monetary law.\n\nRequested Actions : Immediate Acceptance of the Bill of Exchange ( Sight Draft ) : Process the draft for {$150000.00} USD, ensuring compliance with federal laws, UCC provisions, and BOAs fiduciary responsibilities.\n\nRegistration with Federal Reserve : Register the principals active Revocable Trust account with the Federal Reserve for online banking, Fedwire processing, and discount window participation.\n\nForensic Audit of BOA Practices : Conduct an independent forensic audit to identify instances of unjust enrichment or unauthorized benefits derived from the principals information.\n\nSecurities Handling and SEC Reporting : If BOA converts the Bill of Exchange into book-entry securities, ensure compliance with the Securities Act of 1933 and 1934, including registration and disclosure requirements.\n\nRelevant Benefits to BOA for Accepting the Bill of Exchange : Securitization and Liquidity Creation : BOA can securitize the Bill of Exchange, converting it into tradable financial assets.\n\nSecuritization benefits BOA by creating liquidity and opening opportunities for investment and revenue generation.\n\nStrengthened Capital Position : The Bill of Exchange enhances BOA 's financial portfolio and strengthens its capital reserves.\n\nCompliance and Customer Trust : Accepting valid negotiable instruments bolsters customer trust and aligns with regulatory compliance.\n\nResolution Sought : The Consumer Financial Protection Bureau is requested to investigate BOA for these practices, ensure corrective actions are taken, and mandate BOAs adherence to relevant laws, including : UCC Articles 3 and 4, 31 CFR 328.5 ( b ), Federal Reserve and SEC regulations, and Federal protections under 12 U.S.C. 5531 and 5536.\n\nBy addressing this complaint, BOA will ensure compliance with financial laws, enhance operational benefits, and restore fair treatment for its customers.","date_sent_to_company":"2024-11-26T14:45:06.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10939251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-26T14:19:36.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Requested Actions : Immediate Acceptance of the Bill of Exchange ( Sight Draft ) : Process the draft for {$150000.00} USD, ensuring <em>compliance</em> with <em>federal</em> laws, UCC provisions, and BOAs fiduciary responsibilities.\n\nRegistration with <em>Federal</em> Reserve : Register the principals active Revocable Trust account with the <em>Federal</em> Reserve for online banking, Fedwire processing, and discount window participation."]},"sort":[7.823227,"10939251"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":93999,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":93999}]}},"product":{"doc_count":93999,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":71927,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":71651},{"key":"Other personal consumer report","doc_count":276}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":10147,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10061},{"key":"Other personal consumer report","doc_count":45},{"key":"Credit repair services","doc_count":41}]}},{"key":"Debt 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