{"took":261,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":217,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4761489","_score":16.03797,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following XXXX  compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. XXXXPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the XXXX  regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs XXXX-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers. \nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-3669 Account XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\nXXXX. The Bank stated that there are no funds available in the XXXX CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T21:30:50.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T21:25:44.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following XXXX  <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> affairs."]},"sort":[16.03797,"4761489"]},{"_index":"complaint-public-v1","_id":"4761328","_score":16.034376,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the KYC related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. JPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs KYC-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers.\n\nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \n\nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-XXXX  Account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\n2. The Bank stated that there are no funds available in the JPMORGAN CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T20:04:18.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T19:52:43.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following KYC <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> affairs."]},"sort":[16.034376,"4761328"]},{"_index":"complaint-public-v1","_id":"4761427","_score":15.7087965,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PNC BANK , NATIONAL ASSOCIATION - XXXX did not return recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfpb complaint # XXXX. PNC BANK , NATIONAL ASSOCIATION - XXXX stated that there are no funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. PNC BANK , NATIONAL ASSOCIATION - XXXX management was ineffective in overseeing PNC BANK , NATIONAL ASSOCIATION - XXXX day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX XXXX-related deficiencies demonstrate that PNC BANK , NATIONAL ASSOCIATION XXXX XXXX compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. PNC BANK , NATIONAL ASSOCIATION - XXXX did not detect or investigate suspicious activities to determine whether SAR filings were appropriate. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, PNC BANK , NATIONAL ASSOCIATION - XXXX failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to know their customer 's financial affairs in terms of source of income. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. PNC BANK , NATIONAL ASSOCIATION - XXXX did not collect or maintain sufficient information about its banking customers. \nIn conclusion, PNC BANK , NATIONAL ASSOCIATION - XXXX engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nPNC BANK , NATIONAL ASSOCIATION - XXXX responded to XXXX handling the recall of my funds that there are no funds available in the account from {$60000.00} wired out of my XXXX account into PNC BANK , NATIONAL ASSOCIATION - XXXX, account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX.","date_sent_to_company":"2021-09-28T21:56:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-09-28T21:51:32.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC <em>compliance</em> program requirements and <em>knowing</em> their <em>customer</em> 's <em>financial</em> affairs."]},"sort":[15.7087965,"4761427"]},{"_index":"complaint-public-v1","_id":"11615821","_score":14.901127,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Complaint Regarding Coinbases Delay in Processing Fund Transfers Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Coinbase, a U.S.-based cryptocurrency exchange. On XX/XX/year>, at XXXX AM, I attempted to move funds off their platform, but as of XXXX AM on the same day, the funds have yet to arrive in my account. \n\nAfter researching this issue, I discovered reports on the XXXX platform indicating that this has been a persistent problem since XX/XX/year>. Coinbase appears to have done nothing to address these delays. They continue to accept and process orders, despite knowing about the ongoing issues, without providing customers any means to cancel or decline orders that take longer than expected. \n\nThis lack of accountability is deeply concerning. By holding customer funds for extended periods, Coinbase is causing financial harm, as customers, including myself, are unable to access our funds during critical market movements, resulting in significant potential losses. \n\nIt is my belief that this practice should be illegal. XXXX customers should be protected from companies withholding funds without justification, especially when it impacts their ability to trade or secure profits. \n\nI kindly ask the CFPB to investigate XXXX handling of fund transfers and to determine whether they are in compliance with consumer protection laws. Furthermore, I believe stronger regulations should be in place to prevent cryptocurrency exchanges from engaging in practices that harm consumers. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T19:51:30.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"32259","tags":null,"has_narrative":true,"complaint_id":"11615821","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2025-01-20T13:10:02.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They continue to accept and process orders, despite <em>knowing</em> about the ongoing issues, without providing <em>customers</em> any means to cancel or decline orders that take longer than expected. \n\nThis lack of accountability is deeply concerning. By holding <em>customer</em> funds for extended periods, Coinbase is causing <em>financial</em> harm, as <em>customers</em>, including myself, are unable to access our funds during critical market movements, resulting in significant potential losses."]},"sort":[14.901127,"11615821"]},{"_index":"complaint-public-v1","_id":"1961745","_score":13.51834,"_source":{"product":"Mortgage","complaint_what_happened":"Re : BSI Financial Knowing and Intentional Violation of Federal and State Debt Collection Practices BSI Financial : Please be advised that you have knowingly and intentionally violated both state and federal debt collection laws by improperly reporting our account as delinquent to the credit agencies. I had numerous conversations with your account representatives about your failure to properly apply our escrow shortage payment of {$480.00} made in XXXX 2016. Due to your failure to apply this payment to escrow, you then alleged that our XXXX payment was not made, since it did not include the increased monthly escrow amount you claimed was owed, despite having received our escrow shortage payment. In fact, our XXXX payment of {$2800.00} was made on XXXX XXXX, 2016. \nYou failed to acknowledge any receipt of this payment and alleged we failed to make any payment on our mortgage for XXXX 2016. I had repeated conversations with your account representatives and posted a message to your so called customer service department explaining your mistake and put you on notice that any reported delinquency to the credit agencies would be treated as a violation of the law. Your account representatives acknowledged your mistake and acknowledged that you had in fact received the proper payment and escrow shortage payment. Not surprisingly, however, you still proceeded to report to the credit agencies that we had failed to make our mortgage payment. \nTo further compound your knowing and intentional violations and despite repeated requests, you have failed to provide any accounting of our escrow account reflecting application of our escrow shortage payment of {$480.00} and have subsequently raised our mortgage payment almost {$50.00} per month to cover the \" escrow shortage ''. At this point, I can only assume that you have illegally converted our {$480.00} payment, since you have failed to apply it to our account and refuse to provide any accounting of our escrow account. Given your actions with respect to our account, I can only assume you converted this payment to your legal budget to fund your defense costs given your utter lack of compliance with and complete disregard of state and federal laws. \nYour absolute lack of customer service and knowing refusal to follow the law has left us no choice but to pursue our legal remedies. Accordingly, if you do not within 10 days of the date of this letter ( i ) notify the credit agencies of your mistake and remove your negative report, ( ii ) provide us with a true and accurate escrow accounting, including application of our {$480.00} escrow shortage payment, and ( iii ) credit our account {$2500.00} for damages we have suffered to date due to your violations of state and federal law, we will proceed with filing our claims against you in the applicable court of law and seek recovery of our legal fees. Given your actions, I am also guessing BSI Financial is ripe for a class action lawsuit, as I seriously doubt we are the only customers you have treated in such an egregious manner. \nAlthough given your actions to date I seriously doubt you will do so, please respond to me at your earliest convenience so that we may settle this matter. \nRegards,","date_sent_to_company":"2016-06-09T17:53:54.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"80126","tags":null,"has_narrative":true,"complaint_id":"1961745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2016-06-09T17:53:54.000Z","state":"CO","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["Given your actions with respect to our account, I can only assume you converted this payment to your legal budget to fund your defense costs given your utter lack of <em>compliance</em> with and complete disregard of state and federal laws. \nYour absolute lack of <em>customer</em> service and <em>knowing</em> refusal to follow the law has left us no choice but to pursue our legal remedies."]},"sort":[13.51834,"1961745"]},{"_index":"complaint-public-v1","_id":"4233187","_score":12.696584,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concerned : I have been informed that there is a debt collection with balance of {$5900.00} with National Credit System ( NCS ) on both my XXXX and XXXX  credit reports. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any amount of debt. \n\nThis listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), \" the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. \n\nAlso, I mailed a certified Debt Verification letter to NCS on XX/XX/2021 ( USPS tracking number : XXXX ), requesting any contract or agreement that bears my signature to show my consent of payment/debt. After 30-day window, I have not received anything back from NCS that can validate the legitimacy of the above mentioned debt collection. \n\nI have contacted both XXXX  and XXXX  to dispute this false reporint but NCS has \" confirmed '' the information with both of them, knowing that the debt is non-existent ; which blocked my dispute.","date_sent_to_company":"2021-03-21T21:50:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"49022","tags":null,"has_narrative":true,"complaint_id":"4233187","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2021-03-21T21:11:58.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I challenge the accuracy, <em>compliance</em> and reportability of this listing. There has been no validation of any information that I owe any amount of debt. \n\nThis listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), \" the <em>financial</em> institution shall provide a notice of such furnishing of negative information, in writing, to the <em>customer</em> ''."]},"sort":[12.696584,"4233187"]},{"_index":"complaint-public-v1","_id":"8077103","_score":12.04745,"_source":{"product":"Debt collection","complaint_what_happened":"1st progress # XXXX ) 15 usc 6803 Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.15 use 1681 ( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. they 15 usc 1681c- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\nthey has proper documents thats i have been a victim of id theft. they didnt provide proof that it was me they saying information match in sent a bank statement knowing the information not showing proof that it as me i sent police report to the company in they sending statements vaildated the debt","date_sent_to_company":"2024-01-03T21:18:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"8077103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2023-12-29T16:59:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["1st progress # XXXX ) 15 usc 6803 Disclosure required At the time of establishing a <em>customer</em> relationship with a consumer and not less than annually during the continuation of such relationship, a <em>financial</em> institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such <em>financial</em> institutions policies and practices with respect to ( 1 ) disclosing nonpublic"]},"sort":[12.04745,"8077103"]},{"_index":"complaint-public-v1","_id":"4505361","_score":11.733278,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX  report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.","date_sent_to_company":"2021-06-30T21:03:20.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"01906","tags":null,"has_narrative":true,"complaint_id":"4505361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2021-06-30T20:08:04.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They with hold this information for <em>financial</em> gain and that is not right."]},"sort":[11.733278,"4505361"]},{"_index":"complaint-public-v1","_id":"21032799","_score":11.603665,"_source":{"product":"Checking or savings account","complaint_what_happened":"FORMAL NOTICE OF COMPLAINT : DECEPTIVE MARKETING & PROMOTION NON-FULFILLMENT DATE : XX/XX/year> To : JPMorgan Chase Bank , N.A . XXXX XXXX XXXX XXXX of the President Regarding : Account Ending in XXXX, Refrence # XXXX : XXXX Refrence # XXXX : XXXX Failure to Honor {$400.00} New Customer Checking Bonus DESCRIPTION OF ISSUE I am writing to formally dispute the denial of a {$400.00} new account promotion. I opened my account under a specific marketing offer, which stated that a total of {$1000.00} in qualifying direct deposits would trigger a {$400.00} bonus within XXXX business days of completion. In which the email that I received clearly states that a tax refund is an eligible direct deposit requirement, in order for me to receive the new account bonus. I now feel like I have been lied to by JPMorgan Chase, and have fallen for opening an account under this specific promotion, in which the bank has failed to follow through with their own terms and credit me. Now that I have opened this account and have not received the bonus, I feel like I was stuck in a bait and switch tactic to get me to open this said account. \n\nEVIDENCE OF COMPLIANCE I have met the requirements as outlined in the official communication received from XXXX. Specifically : The Offer : The email explicitly defines \" qualifying direct deposits '' to include tax refunds. \n\nI successfully deposited my tax refund into the account, meeting the {$1000.00} threshold. \n\nHowever, on XX/XX/XXXX, more than 15 days after the XX/XX/XXXX direct deposit, I spoke with XXXX supervisors in the Customer Service department who stated that tax refunds do not count toward the promotion, XXXX and XXXX, both from the Chase XXXX XXXX XXXX, This directly contradicts the legal written terms provided to me by Chase Bank, and in term caused me to open a new checking account. \n\nFEDERAL AND INDUSTRY REGULATORY CONCERNS The major discrepancy between Chases marketing materials and the internal enforcement by your customer service team constitutes FALSE AND DECEPTIVE MARKETING PRACTICES. Under the UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards, a financial institution must honor the terms presented in its promotional materials. I was appalled that after XXXX XXXX cases, countless conversations with employees who were incompetent with their own materials. XXXX hung up on by numerous supervisors, both on the customer care side and the XXXX leadership side. Chase Bank, you should be ashamed of your practices as a major financial industry leader ; this puts a bad taste in new consumers ' mouths. Your teams should all be working on communicating with each other and knowing what materials are being put into the hands of consumers before blatantly disregarding customer and consumer concerns. I, as a consumer, should not be forced to hold a major financial institution liable for its own regulatory requirements. Therefore, I decided to forward this complaint to the Consumer Financial Protection Bureau, as these matters need to be investigated, and regulatory punishments and potential fines need to be applied REQUESTED RESOLUTION I request that Chase Bank honor the original legal terms of their agreement and credit the {$400.00} bonus to my account immediately, as I have fulfilled the requirements as documented in your own email communication. I am also requesting the Consumer Financial Protection Bureau to launch an investigation into the deceptive practices of Chase Bank and issue any necessary monetary fines to this major corporation pursuant to any violation of federal regulations.","date_sent_to_company":"2026-04-07T23:40:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"208XX","tags":null,"has_narrative":true,"complaint_id":"21032799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-07T22:51:51.000Z","state":"MD","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XXXX hung up on by numerous supervisors, both on the <em>customer</em> care side and the XXXX leadership side. Chase Bank, you should be ashamed of your practices as a major <em>financial</em> industry leader ; this puts a bad taste in new consumers ' mouths. Your teams should all be working on communicating with each other and <em>knowing</em> what materials are being put into the hands of consumers before blatantly disregarding <em>customer</em> and consumer concerns."]},"sort":[11.603665,"21032799"]},{"_index":"complaint-public-v1","_id":"17752012","_score":11.322563,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Capital One Bank ( USA ), N.A. \nAttn : Customer Relations / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : CEASE AND DESIST Unauthorized Disclosures & Electronic Transfer Activity Account Ending in : XXXX To Whom It May Concern, I am formally notifying Capital One Bank ( USA ), N.A. to cease and desist from any further unauthorized disclosures, electronic fund transfers, or changes to my account terms that violate the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693c, which governs mandatory disclosures of terms, conditions, and electronic transfer authorizations.\n\nUnder 15 U.S.C. 1693c, you are required to clearly disclose all terms, conditions, and liabilities related to electronic fund transfers on my account. I am exercising my rights under this statute and hereby demand : 1. Immediate cessation of any unauthorized or unexplained electronic withdrawals, transfers, or charges on my Capital One account ending in XXXX. \n2. Immediate cessation of any sharing, releasing, or transferring of my personal or financial information to third parties without my express written authorization.\n\n3. Written confirmation of all currently authorized electronic fund transfers connected to this account.\n\n4. Copies of all disclosures required under 15 U.S.C. 1693c, including : Terms and conditions of electronic fund transfers Liability limitations Error-resolution procedures Fees, authorization forms, and any preauthorized transfer agreements Take notice that any continued unauthorized activity, failure to comply with federal disclosure requirements, or refusal to provide the documentation requested above will result in : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with my states Attorney General Potential pursuit of civil remedies available under federal law This letter serves as my formal assertion of rights. Please provide written acknowledgment of receipt and confirmation of compliance within 10 business days of the date of this letter.\n\nFailure to comply may constitute a knowing and willful violation of the Electronic Fund Transfer Act. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX Account Holder Capital One Account Ending in XXXX","date_sent_to_company":"2025-12-04T14:02:47.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"35806","tags":null,"has_narrative":true,"complaint_id":"17752012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-04T13:30:47.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Attn : <em>Customer</em> Relations / <em>Compliance</em> Department XXXX."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[11.322563,"17752012"]},{"_index":"complaint-public-v1","_id":"16140907","_score":11.13735,"_source":{"product":"Checking or savings account","complaint_what_happened":"What Has Happened : Regulatory Actions Against Wells Fargo Wells Fargo has not escaped regulatory sanctions. In fact, it has faced some of the largest penalties in U.S. banking history : XXXX CFPB Enforcement : The Consumer Financial Protection Bureau ( CFPB ) ordered Wells Fargo to pay {$3.00} XXXX {$2.00} XXXX in consumer redress and {$1.00} XXXX in civil penalties. This was for widespread mismanagement of auto loans, mortgages, and deposit accounts affecting over XXXX XXXX consumer accounts. \n\n\nViolations Included : Wrongful foreclosures and repossessions. \nMisapplied loan payments. \nSurprise overdraft fees.\n\nImproper denial of mortgage modifications. \nFreezing of accounts due to faulty fraud detection systems. \n\nPrevious Sanctions : XXXX : {$180.00} XXXX fine for creating fake accounts without customer consent. \nXXXX : {$1.00} XXXX fine for improper auto and mortgage lending practices. \nXXXX : {$3.00} XXXX settlement with federal prosecutors and the SEC. \nOngoing : The Federal Reserve imposed an asset cap on Wells Fargo, limiting its growth until it fixes its compliance issues. \n\nWhy It Still Feels Like Justice Is Missing Despite these penalties, many consumers feel justice has not been fully served. \n\nLack of Individual Accountability : Few executives faced criminal charges. \nScale vs. Impact : Wells Fargo earned {$5.00} XXXX in profits the same year it paid the {$3.00} XXXX fine, raising questions about whether the penalties are truly deterrents. \nLimited Consumer Relief Visibility : Many affected customers report not receiving compensation or not knowing how to claim it. AND THIS IS THE TRUTH FOR ME LOSING MY ENTIRE TRUST FUND. \n\nRepeat Offenses : The CFPB labeled Wells Fargo a corporate recidivist, meaning it repeatedly violates laws despite prior enforcement. ( Which I also saw in XXXX ) What You Can Do If you'd like to submit a formal complaint or letter to the CFPB","date_sent_to_company":"2025-09-25T00:50:24.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"27705","tags":null,"has_narrative":true,"complaint_id":"16140907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-25T00:32:49.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Limited Consumer Relief Visibility : Many affected <em>customers</em> report not receiving compensation or not <em>knowing</em> how to claim it. AND THIS IS THE TRUTH FOR ME LOSING MY ENTIRE TRUST FUND. \n\nRepeat Offenses : The CFPB labeled Wells Fargo a corporate recidivist, meaning it repeatedly violates laws despite prior enforcement. ( Which I also saw in XXXX ) What You Can Do If you'd like to submit a formal complaint or letter to the CFPB"]},"sort":[11.13735,"16140907"]},{"_index":"complaint-public-v1","_id":"15266085","_score":11.13735,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a Wells Fargo customer in XXXX XXXX, Texas. Since opening my account, I have experienced repeated fraudulent activity : Approximately {$100.00} Approximately {$1600.00} Most recently, {$3600.00} on XX/XX/year>. \n\nAfter the {$1600.00} incident, Wells Fargo changed my account number but did not cancel my compromised debit card, despite knowing my account was already targeted for fraud. This failure left my account vulnerable. \n\nOn XX/XX/year>, I reported the {$3600.00} unauthorized transaction to Wells Fargo. On XX/XX/year> only XXXX days later Wells Fargo denied my claim, stating that the card was used. They provided no merchant receipts, signatures, PIN entry logs, or other definitive proof that I authorized this transaction. \n\nWhy I believe Wells Fargo violated the law Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ) : 1. Wells Fargo is required to conduct a reasonable investigation before denying my claim. Denying a claim after only two days without producing evidence is not a reasonable investigation.\n\n2. The fact that the card number or chip was used does not mean I authorized the transaction. I did not give permission, did not provide my card or PIN to anyone, and did not benefit from this transaction.\n\n3. If Wells Fargo could not complete its investigation within 10 business days, it was required to issue a provisional credit for the full disputed amount. This did not occur.\n\nWhat I want Immediate reversal of the denial and reopening of my claim Issuance of provisional credit for {$3600.00} in compliance with Regulation XXXX Full written explanation of their denial, including copies of all evidence they relied on Explanation for why my debit card was not replaced after earlier fraud incidents Supporting details This repeated fraud and failure to secure my account has caused me financial hardship and loss of trust in Wells Fargos ability to protect its customers. I am requesting the CFPBs assistance to ensure Wells Fargo follows federal law and returns my funds.","date_sent_to_company":"2025-08-13T15:01:59.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"15266085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-13T14:51:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["What I want Immediate reversal of the denial and reopening of my claim Issuance of provisional credit for {$3600.00} in <em>compliance</em> with Regulation XXXX Full written explanation of their denial, including copies of all evidence they relied on Explanation for why my debit card was not replaced after earlier fraud incidents Supporting details This repeated fraud and failure to secure my account has caused me <em>financial</em> hardship and loss of trust in Wells Fargos ability to protect its <em>customers</em>."]},"sort":[11.13735,"15266085"]},{"_index":"complaint-public-v1","_id":"7062098","_score":11.009848,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My XXXX XXXX  passed away, under tragic circumstances, in XX/XX/2023 and had an auto loan account with Toyota Motor Credit dba Toyota Financial Services . I called the number listed on one of the billing statements to advise them of his death the first week of XXXX and upon receipt of his official certificate of death, it was emailed to them on XX/XX/2023 and I even advised where the vehicle could be located which the attached email correspondence will support. \nAccording to the credit bureau update that has been included as well, they were fully aware that my XXXX was deceased and yet, another billing statement was issued on XX/XX/XXXX -- - 30 days after they were informed verbally and in writing. I spoke with XXXX in Collections/Customer Service and then XXXX in the Redemption Department on XX/XX/XXXX, the day the letter was received, and formally complained to them both about the egregious mishandling of my XXXX XXXX account. Both employees advised that because I was an unauthorized third party, they couldnt comply with my request to indefinitely suspend billing cease statements, despite knowing my XXXX was deceased. By far, the most ludicrous explanation ever. To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota Financial Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle. \nToyota Financial Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure compliance and adherence to those standards? Toyota is the only creditor who has demonstrated such an abhorrent lack of empathy, unprofessionalism and insensitivity as it relates to this matter. In fact, upon verbal and written notification, all of my sons other creditors immediately ceased ALL written correspondence and provided confirmation that his account would be closed, and their records would be denoted as uncollectible since there's no estate. Why a request to cease and desist, under the circumstances, is being ignored by Toyota Financial Services is incomprehensible and unacceptable. Being compelled to revisit this situation is distressing and has compounded the trauma of losing my son. Be advised, a formal complaint was also filed with the State of TX 's AG Consumer Protection Division as well.","date_sent_to_company":"2023-06-02T23:28:54.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"76244","tags":"Servicemember","has_narrative":true,"complaint_id":"7062098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-06-02T23:17:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota <em>Financial</em> Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle. \nToyota <em>Financial</em> Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure <em>compliance</em> and adherence to those standards?"]},"sort":[11.009848,"7062098"]},{"_index":"complaint-public-v1","_id":"7356190","_score":10.993556,"_source":{"product":"Debt collection","complaint_what_happened":"\" As a creditor, Exeter has an obligation to report its consumers account information in accordance with the guidelines stated in the Fair Credit Reporting Act. The information, including the charge-off, reported to credit reporting agencies ( CRAs ) is accurate, and as such, no adjustments are necessary. '' - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution ( Exeter Finance ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n- ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( XXXX ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. \nExeter Finance has not performed their obligation which is an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nExeter Finance has been providing documents to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation what documents you forged? ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n\n( b ) Opt out ( 1 ) In general A financial institution ( Exeter Finance ) may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option The biggest mistake Exeter Finance is doing right now is You Never got ahold of me ( consumer ) before the time such information is initially disclosed, to direct that such information NOT BE disclosed to such third parties. Exeter Finance Never furnish these Notifications to me I have been at XXXX XXXX XXXX XXXX for some years now and i never got no notification. What Representative ever gave me explanation on how to exercise that nondisclosure option My email : XXXX how come i never received disclosure stating such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party? Because you never furnished my disclosures Exeter Finance stated that in order to be compliance under Fair Credit Reporting Act You are obligated to report what law says you can do without my written instructions. If I Gave Your Company My Written Instructions To Report this alleged account than please provide if you cant this is Identity Theft. Please furnished to me that you gave me all my Disclosures according to 15 USC 94 failing to do so makes this whole Alleged Fraud \" Regarding sharing your personal information with third parties, in Adherence to the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and associated regulations, Exeter provides our customers with a Privacy Notice to inform them of how Exeter shares their non-public personal information ( NPI ) with affiliates or nonaffiliated third parties. The Privacy Notice also includes an Opt-Out Notice which allows customers to prevent Exeter from the sharing of NPI by opting-out. These notices are mailed with the Welcome Packet then mailed annually to the last known address on record or emailed to those customers who have agreed to receive all correspondence electronically. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. '' The OPT-Out Notice has everything to do with consumer reporting Agencies for they are Non affliated Third parties. Pursuant to 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution MAY NOT DIRECTLY or THROUGH ANY AFFLIATE, disclose to a NONAFFLIATED THIRD PARTY any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n\n\" As requested, the account has been placed in a cease-and-desist status to prevent any future collection activity by Exeter. However, the cease-and-desist status is not applicable to the credit reporting of the account as Exeter will continue to report the account to the CRAs. '' Consumer Reporting Agencies is in fact a form of communication which if you continue reporting you are in clear violation pursuant 15 USC! 692C ( c ) FAIR DEBT COLLECTION PRACTICES ACT defines communication like : ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUMS. Your company has honor one part of the FAIR DEBT COLLECTION ACT which is CEASE AND DESIST BUT BY LAW YOU HAVE TO COMPLY WITH Pursuant 15 USC 1692C ( c ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. I have attached to all my letter Invoices for all my actual damages and i have corresponded them via mail and your company havent responded i have all the green return receipts all my letters to prove that your company willingly committed fraud Didn't received my written instruction to report this alleged account making you in Violation of FCRA 15 USC 1681 If you say you provided me my disclosures pursuant to 15 USC 6802 than furnished them to me dates and all corresponded if not you are now in violation of the 15 USC 6801 and 6802 For being deceptive and abusive under Fair Debt Collection Practices Act you are in violation of 15 USC 1692 I Furnished Exeter Finance with an AFFIDAVIT OF TRUTH AND FACT sworn and sign under penalty of perjury and notarized cause in commerce truth is sovereign. Failing to keep ignoring my letters to your company will put you in default. I have invoke my remedies on invoice i have furnished to your Company through my letters since you honored my cease and desist you also have to compensate me for redressing my injuries. Evidences of you sharing my personal information without my consent is provided in the images","date_sent_to_company":"2023-08-05T04:57:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"7356190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-08-05T02:03:50.000Z","state":"AR","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["fraudulent statement or representation to a <em>customer</em> of a <em>financial</em> institution; or ( 3 ) by providing any document to an officer, employee, or agent of a <em>financial</em> institution, <em>knowing</em> that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation."]},"sort":[10.993556,"7356190"]},{"_index":"complaint-public-v1","_id":"10246465","_score":9.718467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a second complaint regarding unauthorized and inaccurate credit reporting by TransUnion. Despite previous requests, the issues I have raised remain unresolved, and TransUnion continues to report financial information without my consent. This failure to act not only violates federal regulations but also causes ongoing harm to my credit reputation and violates my privacy rights.\n\n15 USC 1681 ( a ) 1-4 states : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nTransUnion has been practicing this elaborate scheme for years and continues to show blatant arrogance and disregard while knowingly and willfully continuing to provide adverse & malicious reporting and they are to be held accountable. Where is the accountablilty?\n\n1. Unauthorized Reporting of Nonpublic Personal Information According to 16 CFR 313.3 ( 1 ), nonpublic personal information includes personally identifiable financial information, as well as any consumer information derived from it. TransUnion has been specifically asked to remove all loans and financial data from my credit report due to the lack of written consent, yet this information remains on record. This failure to remove the information constitutes knowing and willful misconduct, with the intent to cause continuous harm. Their ongoing actions violate my rights under privacy regulations.\n\n2. Violation of the Gramm-Leach-Bliley Act ( GLBA ) TransUnions actions violate the Gramm-Leach-Bliley Act by disseminating nonpublic personal information ( NPI ) without my explicit consent. Under 15 USC 6821 ( b ), sharing this type of data without providing the necessary opt-out notices constitutes a violation of privacy regulations. Nonpublic personal information includes : Names Addresses Phone numbers Social Security numbers Income Credit score Account numbers Payment history Loan or deposit balances Credit or debit card purchases I demand the immediate cessation of these unauthorized practices and require the correction of all unauthorized information sharing.\n\n3. Criminal and Civil Liabilities ( 15 USC 6823 ) TransUnion 's ongoing failure to comply with federal privacy laws, despite my repeated requests, may subject them to criminal penalties under 15 USC 6823. This law imposes both criminal and civil liabilities for knowingly violating laws protecting customer information. I request an investigation into these unlawful practices, as they have caused considerable and sustained harm to my credit reputation and privacy.\n\n4. Failure to Provide Consent for Financial Reporting I have never authorized the reporting of my financial information, including account balances, payment history, or loan details, by TransUnion. As required under 5 U.S. Code 552a ( 4 ), any financial information reported must have written consent. To date, TransUnion has failed to provide evidence of my consent. This failure constitutes a violation of my privacy rights, and their reporting continues to damage my reputation and creditworthiness. Let me be clear ; REMOVE cease and desist reporting anything that has to do with money meaning if it requires a money sign ( balance, payment received/payment made, high balance, terms ) STOP your knowing and willful deceptive reporting.\n\nRequest for Immediate Action Given that this is my second complaint, I demand the immediate removal of all inaccurate and unauthorized information from my credit report which are the student loans. I also request an updated credit report showing updated score, a written explanation and action plan detailing how TransUnion will correct these violations and ensure compliance moving forward. A thorough investigation into their reporting practices is necessary to prevent further harm. \nI appreciate your prompt attention to this matter and expect swift action to resolve these ongoing issues.","date_sent_to_company":"2024-09-25T13:59:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"10246465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-25T13:43:33.000Z","state":"TN","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":["This law imposes both criminal and civil liabilities for knowingly violating laws protecting <em>customer</em> information. I request an investigation into these unlawful practices, as they have caused considerable and sustained harm to my credit reputation and privacy.\n\n4. Failure to Provide Consent for <em>Financial</em> Reporting I have never authorized the reporting of my <em>financial</em> information, including account balances, payment history, or loan details, by TransUnion. As required under 5 U.S."]},"sort":[9.718467,"10246465"]},{"_index":"complaint-public-v1","_id":"17914997","_score":9.581474,"_source":{"product":"Credit card","complaint_what_happened":"I. INTRODUCTION & SUMMARY OF VIOLATIONS I am filing this formal complaint because American Express ( AMEX ) has engaged in discriminatory, unlawful, and harmful lending practices, violating multiple federal statutes in their handling of my credit applications, including my application for the American Express XXXX XXXX XXXX, and various business credit products. \n\nAMEX has : Denied me credit products without lawful justification Required excessive and discriminatory documentation Willingly damaged my credit score through hard inquiries while providing no credit approvals Benefited from my fully completed application without honoring it Refused to evaluate my qualifications under legally required uniform criteria Violated Truth in Lending Act requirements Violated Equal Credit Opportunity Act protections Violated federal XXXX banking regulations Created an unfair, discriminatory, and hostile lending environment Their actions were willful, harmful, deceptive, and in direct opposition to federal consumer protection standards. \n\n\n-- - II. AMERICAN EXPRESSS ILLEGAL AND DISCRIMINATORY ACTIONS American Express : XXXX. Denied me for every credit product applied for including the XXXX XXXX without lawful, transparent justification. \n\n\nXXXX. Imposed documentation and requirements not demanded from other applicants, a key element of discrimination under ECOA. \n\n\nXXXX. Used invasive, excessive, and unequal standards to obstruct my approval. \n\n\nXXXX. Pulled hard inquiries knowing they would deny the applications, causing measurable harm to my credit. \n\n\nXXXX. Used the application bond and underwriting process for their benefit while refusing to issue credit. \n\n\nXXXX. Created adverse credit reporting consequences, despite being fully responsible for the denial. \n\n\n\nThis constitutes financial injury, emotional distress, statutory violations, and commercial misconduct. \n\n\nXXXX XXXX XXXX. FEDERAL LAWS VIOLATED BY AMERICAN EXPRESS -- - 1. 12 CFR Part 1026 Regulation Z ( TILA ) 1026.5a Credit/Charge Card Application Disclosures AMEX failed to provide : Clear disclosure of underwriting criteria Transparent cost disclosures Legally required information regarding premium card products 1026.60 Application and Solicitation Disclosure Requirements AMEX failed to : Explain approval criteria Provide honest evaluation standards Disclose relevant credit terms 1026.12 Prohibited Practices AMEX illegally : Increased my liability through hard inquiries Penalized me without providing credit Added obligations to my credit file without lawful cause These violations constitute deceptive, non-transparent, and harmful practices under TILA.\n\n-- - 2. 12 CFR Part 1002 Regulation B ( Equal Credit Opportunity Act ) AMEX is prohibited from : Discriminating in ANY part of a credit transaction Using unequal standards Requesting excessive documentation from specific applicants Concealing reasons for denial Applying subjective, arbitrary criteria AMEX violated ECOA because : They treated me differently than comparable applicants They demanded documentation beyond normal underwriting standards They refused to provide legitimate reasons for denial They demonstrated a pattern of discriminatory denial across multiple products They harmed my credit while withholding equal access This is direct, irrefutable ECOA discrimination. \n\n\n-- - XXXX. 26 CFR 301.6311-2 Federal Credit Payment Compliance AMEX participates in federal payment systems yet : Denied me access to credit mechanisms recognized by federal law Interfered with my ability to use financial instruments permitted by federal statute Withheld participation rights without lawful cause This constitutes unlawful obstruction of federally authorized credit pathways. \n\n\n-- - XXXX. 31 CFR Part 1028 Customer Identification & Fair Compliance Standards AMEX violated : KYC documentation standards Fair and equal compliance behavior Uniform treatment obligations By demanding documentation far beyond what is required and selectively obstructing my application, AMEX engaged in profiling, discrimination, and unfair lending conduct. \n\n\n-- - XXXX. HARM CAUSED BY AMERICAN EXPRESS AMEXs violations resulted in : Direct XXXX XXXX damage from unnecessary hard inquiries Loss of financial opportunities Discriminatory treatment Emotional and reputational harm Withheld access to premium financial products Unfair obstruction of my credit profile Misuse of application data without providing credit This is a severe and ongoing injury.","date_sent_to_company":"2025-12-04T03:16:08.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"14094","tags":"Servicemember","has_narrative":true,"complaint_id":"17914997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-12-04T03:10:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":[". \n\n\n-- - XXXX. 26 CFR 301.6311-2 Federal Credit Payment <em>Compliance</em> AMEX participates in federal payment systems yet : Denied me access to credit mechanisms recognized by federal law Interfered with my ability to use <em>financial</em> instruments permitted by federal statute Withheld participation rights without lawful cause This constitutes unlawful obstruction of federally authorized credit pathways. \n\n\n-- - XXXX. 31 CFR Part 1028 <em>Customer</em> Identification & Fair <em>Compliance</em> Standards AMEX violated : KYC"]},"sort":[9.581474,"17914997"]},{"_index":"complaint-public-v1","_id":"9790743","_score":9.52708,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, GA XXXX XX/XX/XXXX, XXXXXXXX XXXXCitibank Customer Service Department XXXX Citibank Address XXXX XXXX XXXXSubject : Urgent Request for Resolution Regarding Account # XXXX Dear Citibank Customer Service Team , I am writing to express my deep concern and frustration regarding the handling of my account ( # XXXX ) with Citibank. On XX/XX/year>, I encountered a series of distressing events that have left me without access to my funds, despite my compliance and cooperation with your verification processes. This letter serves as a formal dispute and a request for immediate resolution of the issues detailed below. \n\nXXXX XXXX XXXX  Background and Timeline of Events On the XXXX  of XX/XX/year>, I initiated a routine transaction from my Citibank account. At approximately XXXXXXXX XXXX., this transaction was unexpectedly declined. Initially, I assumed it was a minor technical issue and attempted the transaction again. However, by XXXX XXXX., I realized that the situation was far more severe, as Citibank had initiated what appears to be a complete account takeover, restricting my access to all deposited funds. \n\nThis situation is not only inconvenient but has also caused significant stress and anxiety. The funds in question are essential for my day-to-day living expenses, and the sudden inability to access them has put me in a difficult position. \n\nXXXX XXXX XXXX  My Attempts to Resolve the Issue Immediately after discovering the issue, I contacted Citibank 's customer service department to report the problem and seek assistance in regaining access to my account. During these interactions, I provided all requested information to verify my identity, including but not limited to : - My full name and date of birth - Social Security number - Address and contact information - Details of recent transactions and deposits Despite these efforts, I was informed by your representatives that my account could not be unlocked because the phone number I used to open the account, which is also the number associated with me, was allegedly not part of my public records. This reasoning is both confusing and frustrating, as the phone number in question has been consistently linked to my Citibank account since its inception. \n\n# # # Citibanks Unjustified Actions and Their Impact The decision to deny me access to my funds based on such a technicality is not only unwarranted but also goes against the principles of fairness and customer care that Citibank purports to uphold. The impact of this situation on my life has been profound : XXXX. **Financial Hardship : ** The restricted access to my funds has caused immediate financial hardship, preventing me from meeting my basic living expenses, including rent, utilities, and groceries. \n\nXXXX. **Emotional Distress : ** The stress and anxiety caused by this situation have taken a significant toll on my mental health. The uncertainty of not knowing when or if I will regain access to my funds has been overwhelming. \n\nXXXX. **Reputational Damage : ** The unjustified restriction of my account has caused reputational damage, as I have had to explain to various creditors and service providers why payments have not been made on time. \n\nXXXX XXXX XXXX Citibanks Duty to Its Customers As a long-standing customer of Citibank, XXXX have always trusted your institution to manage my financial affairs with the utmost professionalism and integrity. It is deeply disappointing to see this trust compromised by the actions taken against my account. Citibank has a duty to its customers to provide access to their funds and to resolve any issues in a timely and fair manner. \n\nThe actions taken by Citibank in this instance appear to be a gross violation of this duty. By restricting my access to my account without a valid reason and refusing to use verified contact information to resolve the issue, Citibank has failed to uphold the standards of customer service and care that I have come to expect. \n\nXXXX XXXX XXXX Legal and Regulatory Considerations In addition to the above concerns, I would like to highlight the potential legal and regulatory implications of Citibanks actions. As you are aware, financial institutions are subject to strict regulations governing the management of customer accounts and the handling of disputes. These regulations are designed to protect consumers from unfair and deceptive practices and to ensure that their rights are respected.\n\nBy denying me access to my funds without proper justification, Citibank may be in violation of several key regulations, including but not limited to : - **The Electronic Fund Transfer Act ( EFTA ) : ** This act protects consumers who use electronic methods to manage their finances. Restricting my access to electronically deposited funds without providing a valid reason may constitute a violation of the EFTA.\n\n- **The Fair Credit Reporting Act ( FCRA ) : ** If Citibank 's actions have resulted in negative information being reported to credit bureaus, this may constitute a violation of the FCRA .\n\n- **The Consumer Financial Protection Bureau ( CFPB ) Regulations : ** The CFPB oversees the fair treatment of consumers by financial institutions. Citibank 's refusal to use verified contact information and its unjustified restriction of my account may be grounds for a CFPB complaint and investigation. XXXX XXXX XXXX Request for Immediate Action Given the severity of this situation, I request that Citibank take immediate action to resolve this issue and restore my access to my account. Specifically, I am requesting the following : 1. **Immediate Release of Funds : ** The funds in my account must be made available to me without further delay. These funds are essential for my daily living expenses and should not be withheld.\n\n2. **Account Restoration : ** I request that my account be fully restored, including access to all associated services and features. Any restrictions placed on my account should be lifted immediately. \n\nXXXX. **Written Explanation : ** I request a written explanation from Citibank detailing the reasons for the account takeover and the actions that have been taken to resolve the issue. This explanation should include an acknowledgment of any errors or oversights made by Citibank during the handling of this matter. \n\nXXXX. **Compensation for Damages : ** Given the financial hardship and emotional distress caused by this situation, I request that Citibank consider providing compensation for the damages I have suffered as a result of its actions. \n\nXXXX XXXX XXXX Conclusion This situation has caused me significant hardship, and I am seeking a prompt and fair resolution. I trust that Citibank will take the necessary steps to address my concerns and restore my confidence in your institution. I would appreciate a response within the next XXXX business days, outlining the actions that will be taken to resolve","date_sent_to_company":"2024-08-09T13:02:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31907","tags":"Servicemember","has_narrative":true,"complaint_id":"9790743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-09T12:42:00.000Z","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":["**<em>Financial</em> Hardship : ** The restricted access to my funds has caused immediate <em>financial</em> hardship, preventing me from meeting my basic living expenses, including rent, utilities, and groceries. \n\nXXXX. **Emotional Distress : ** The stress and anxiety caused by this situation have taken a significant toll on my mental health. The uncertainty of not <em>knowing</em> when or if I will regain access to my funds has been overwhelming. \n\nXXXX."]},"sort":[9.52708,"9790743"]},{"_index":"complaint-public-v1","_id":"7830501","_score":9.5236,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pulte Mortgage is continuing to share my information with non affiliated third parties even after my notice of me enforcing my rights as a consumer. I have a right to opt out of my nonpublic information being shared with non affiliated third parties. XXXX, XXXX, and XXXX are not in any way affiliated with Pulte Mortgage. These are third party financial institutions DBA the reporting agencies but they are paid to furnish consumer reports by creditors which makes them non affiliated and have no purpose to have my financial history from Pulte Mortgage except for the financial gain. I am requesting the financial records for this account.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/2006. \n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T19:18:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7830501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PulteGroup, Inc.","date_received":"2023-11-08T18:58:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any <em>financial</em> institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."]},"sort":[9.5236,"7830501"]},{"_index":"complaint-public-v1","_id":"4198103","_score":9.476894,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before XX/XX/XXXX My husband called Nicholas Financial to inform them his XX/XX/XXXX payment would be paid on XX/XX/XXXX ( which is still within the grace period of 15 days, leap year. ) We were told by the representative that that was fine because this was within our grace period. This is something we have done once or twoce in the past with no issue. On XX/XX/XXXX as promised, the XX/XX/XXXX payment was paid to Nicholas Financial and they informed us our last payment of approx XXXX was due XX/XX/XXXX. \n\nOn XX/XX/XXXX We received a notification of a significant change on our credit report. Upon looking at this we saw that Nicholas  financial had closed our current and 100 % timely paid account and marked it as a charge-off/loss on XX/XX/XXXX. \n\nWe were never informed the account would be closed or for what reason and our account has never been delinquent for the entirety of our loan. The account still has scheduled payments with zero delinquency as our credit report reflects. \nI also noticed multiple dates were used on the last payment date. One says we last paid on XX/XX/XXXX, the other says XX/XX/XXXX ... One report gives no information about or payment details or total loan balance but the other does. \n\nI contacted the company hoping this was simply a \" mistake '' or \" error '' but they insisted they intentionally wrote the charge off. I asked them to explain why I never received any notice or a reason for the charge off, and they said they did not have to give me a notice. They informed me they charged off the account because of delinquency, to which I responded that I paid the payment within my grace period and the company was given a courtesy call to inform them they would be receiving the XX/XX/XXXXpayment on XX/XX/XXXX and they confirmed this was no issue because it fell within my grace period. \n\nAfter explaining this, the man then informed me that it was an insurance claims loss to which I responded how that was possible? Our car was totaled last year and the remaining balance was to be paid by us by paying our regular monthly payments until the remaining balance was paid in full, which we had been doing since last year. The man went round and round with, coming up with excuse after excuse as to how the charge off ( which is used for severe delinquency with no expectation that the borrower will repay ) was legitimate, to which I knew was not true at all. He even went as far as to say our old contract was null and void, to which I said, if that is the case, then I don't owe you anything, so he changed his mind on pursuing that spin. \n\nI then asked him why he was still accepting regular and scheduled payments with me to which he replied, because we can. \n\nI then asked him why the company was writing charge-off 's on open and current accounts knowing these charge-offs are used for tax deductions at the end of the year. I told him this sounded very much like tax fraud to me ... not to mention they had the audacity to offer us another loan whilst destroying my husbands credit, preventing him from obtaining any loan other than through them, which sounded very illegal to me. He responded very coldly to this and said ... \n\n\" You shouldn't even mention the IRS and federal Reserve unless you know what your talking about Trust me, that's not a road you want to go down '' or something along those lines ...\n\nTo which I replied, \" That is the road I intend to walk and my right. I intend to report you if you admit you are willingly committing fraud. Not only that, you admitted several times this is \" company policy '' and \" standard practice '' which makes me assume you are doing this to all or at least many of your customers on a regular basis. This sounds illegal and you are refusing to correct it. '' he informed me that \" His company doesn't go by Federal Reserve or the credit reporting act, we have our own policy. '' I informed him that his company policy doesn't omit them from the law to which he responded, again, that I didnt know what I was talking about. \n\nAt this point I could sense he was trying to intimidate me and a shouting match pursued. He informed me he would have a compliance officer contact me and hung up the phone ... no one has contacted me. \n\nI have all of my credit report info screenshots, my contract, and my bank statements to prove my compliance with the loan terms. Which I will not provide to the company at this time as I intend to pursue this legally. \n\nI have since reported this company to the IRS and FTC as I suspect there is a massive scheme being created by intentionally destroy customers credit so they have no choice but to accept a new loan through Nicholas Financial Inc ( or another equally shady subprime lender ) once the customer is close to paying off their loan. Not to mention regular and massive tax fraud via false/misleading charge-off profit & loss reporting.","date_sent_to_company":"2021-03-10T09:29:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"453XX","tags":null,"has_narrative":true,"complaint_id":"4198103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nicholas Financial Inc.","date_received":"2021-03-10T03:20:06.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have since reported this company to the IRS and FTC as I suspect there is a massive scheme being created by intentionally destroy <em>customers</em> credit so they have no choice but to accept a new loan through Nicholas <em>Financial</em> Inc ( or another equally shady subprime lender ) once the <em>customer</em> is close to paying off their loan. Not to mention regular and massive tax fraud via false/misleading charge-off profit & loss reporting."],"company":["Nicholas <em>Financial</em> Inc."]},"sort":[9.476894,"4198103"]},{"_index":"complaint-public-v1","_id":"9815910","_score":9.304111,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXXXXXX XXXX : Dear Credit Reporting Agencies : XXXX : XXXX XXXX XXXX XXXX, GA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX or XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Issue : incorrect information ; information reported inaccurately, and given out without written consent, in addition to disclosing my information to a third-party affiliate without my consent violating the terms and conditions of said institutions below. Subject : Fair Credit Reporting Act, 607 15 USC 168le ( b ). Account and information therein on NATIONAL CREDIT SYSTEMS is incorrect, attempting to be misleading. I believe this is the common attempt to bank on the consumer not knowing the rights they are entitled and the procedures at play in the private sector regarding entities like this, who purchased this debt for less to nothing in a attempt to profit off ignorance of rights. With no original contract ever made with whom debt they buy, To process frivolous claims in the court. Charge offs are under the definition of a Certificate of Indebtedness therefore falls under the listing as income thus any income, must be removed immediately as it is most certainly a violation per the Privacy Act of 1973, also I have no records of this creditor, this is inaccurate information, and very deceiving, based on how this was written off on the books, this should be looked into further if this was purchased from the Original Creditor. I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 168le ( b ), Compliance Procedures As per Section 607, Accuracy of Report, As a consumer XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX  XXXX XXXX and XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX ) the financial institution ( XXXX ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies ( XXXX, XXXX XXXX XXXX ) must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nI have also included a copy of my credit report with the inaccurate Information I am requesting to have removed, please update my file promptly. There shall be No other address ( 9 violations listed, 9 Non-mailable addresses ), name ( s ), or unrelated number ( 11 Violations Listed ), the only and correct reporting name, Only mailable address, sole address and only phone number is : Exhibit XXXX  : XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nevada XXXX Code- XXXX, Currently listed phone numbers any other non-mailable ( XXXX Listed Non-Mailable ) addresses, names and ( 11 Listed contact numbers of no relation ) these contact numbers are fraudulent and subject to violations per federal FCRA & The FTC hereunder 5 USC 522 ( a ) including 17 CFR 424, No authorization of any and all promotional inquiries, revokes access to viewing my information without my consent. As it comes to my understanding my information compromised or in other words was given to a third party affiliate Company XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX ) which violates 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information As it shows below are accounts with numerous and various falsely reports of incorrect/unverified information.","date_sent_to_company":"2024-08-15T15:56:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"9815910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-08-15T15:56:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each <em>financial</em> institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the security and confidentiality of those <em>customers</em> nonpublic personal information. '' ( XXXX XXXX XXXX  XXXX XXXX and XXXX ) is a <em>financial</em> institution by definition under that title. 15 USC 1681 section 604 a section 2 states"]},"sort":[9.304111,"9815910"]},{"_index":"complaint-public-v1","_id":"14104702","_score":9.258673,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Discover Card Attn : Compliance and Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL LEGAL DEMAND IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF VIOLATIONS UNDER FCRA 605B & 1681s-2 To Discover Card Compliance Counsel, This letter serves as a final legal demand regarding the fraudulent Discover Card account listed below, which was opened without my knowledge or authorization and is the direct result of identity theft.\n\nI have previously notified you of this identity theft and provided a valid identity theft report pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires you to block and permanently cease furnishing this information to any consumer reporting agency within four ( 4 ) business days of receipt.\n\nDespite your statutory obligations, you have recklessly continued to furnish this account, causing it to appear on my credit reports multiple times, including after prior removal. This conduct constitutes a knowing and willful violation of FCRA 605B and 1681s-2, for which you are civilly liable for actual damages, statutory damages, punitive damages, and attorney fees. \nFraudulent Account Information Creditor : Discover Card Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$140.00} Status : Collection / Charge-Off Remarks : Charged off as bad debt | Dispute resolved; reported by grantor Violations and Liability 1 Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block the reporting of an identity theft account despite proper identity theft documentation.\n\n2 Violation of FCRA 1681s-2 ( a ) Failure to ensure accurate reporting and prevent furnishing false and disputed information.\n\n3 Violation of FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation and failure to promptly notify consumer reporting agencies to delete unverifiable and fraudulent data.\n\n4 Violation of Metro 2 Data Furnishing Guidelines Reporting conflicting status remarks, inaccurate balances, and inconsistent payment histories.\n\nLegal Demand for Immediate Compliance Accordingly, you are hereby given FIFTEEN ( 15 ) CALENDAR DAYS from receipt of this notice to take the following actions : PERMANENTLY DELETE this fraudulent account from all of Discover Cards internal systems and customer records. \nCEASE AND DESIST from furnishing or reinserting any information related to this account to Equifax, Experian, TransUnion, or any other consumer reporting agency, under any circumstance. \nISSUE WRITTEN CONFIRMATION to me, on company letterhead, stating that this account has been fully deleted and will never be reported again. \nINSTRUCT ALL CREDIT REPORTING AGENCIES to immediately remove this tradeline from my credit file and provide confirmation that the removal has been processed. \nNotice of Further Action If you fail to fully comply with this demand within the specified time frame, I will take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, detailing Discover Cards repeated and willful violations of the Fair Credit Reporting Act. \nRetain legal counsel to initiate a civil lawsuit against Discover Financial Services seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages for willful noncompliance, costs, and attorney fees, pursuant to 15 U.S.C. 1681n and 1681o.\n\nSeek court-ordered injunctive relief to prohibit any further illegal reporting and hold Discover Card fully accountable for all related harm to my credit and financial standing.\n\nEnclosures Copy of my government-issued photo ID Proof of my current address Copy of my prior identity theft report/affidavit previously submitted This is a final demand. Failure to comply will confirm your willful disregard for federal law and consumer protections, which I will pursue to the fullest extent allowed by law. \nGOVERN YOURSELVES ACCORDINGLY. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T00:17:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92626","tags":null,"has_narrative":true,"complaint_id":"14104702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-06-17T00:13:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This conduct constitutes a <em>knowing</em> and willful violation of FCRA 605B and 1681s-2, for which you are civilly liable for actual damages, statutory damages, punitive damages, and attorney fees."]},"sort":[9.258673,"14104702"]},{"_index":"complaint-public-v1","_id":"7289876","_score":9.112022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ID FOR COMPLAINT SENT TO TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX ) XXXX XXXX AMENDED Consumer Financial Protection Bureau has XXXX XXXX XX/XX/XXXX ID FOR COMPLAINT SENT TO TRANSUNION CONSUMER SOLUTIONS XXXX Whereas I, XXXX XXXX XXXX, have never received any written consent or properly certified documents and/or notifications sent to me. I Do Not consent or never consented and I have no knowledge of any such consent. \n\nTransUnion, a consumer reporting agency, identifies XXXX XXXX XXXX XXXX as the data furnisher responsible for providing commercial information to my consumer report.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department TransUnion is also claiming that the consumer report is accurate and claims that the data furnisher has previously verified the unknown addresses and employment. I do not have any such knowledge of any third party data furnisher. TransUnion intent is to operate unfairly, deceptive or abusive 12 USC 5531. TransUnion has reported false claims, records on my consumer reports.\n\n15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\n31 USC 3729 : False claims effect on XX/XX/XXXX WHEREAS : TransUnion, knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government.\n\n3729. False claims ( a ) Liability for Certain Acts.- ( 1 ) In general.-Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( E ) is authorized to make or deliver a document certifying receipt of property used, or to be used, by the Government and, intending to defraud the Government, makes or delivers the receipt without completely knowing that the information on the receipt is true ; ( F ) knowingly buys, or receives as a pledge of an obligation or debt, public property from an officer or employee of the Government, or a member of the Armed Forces, who lawfully may not sell or pledge property ; or ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, 12 USC 5531 : Prohibiting unfair , deceptive, or abusive acts or practices Text contains those laws in effect on XX/XX/XXXX TransUnion intent is Unfair, XXXX, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under The XXXX XXXX, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. In addition, CFPB has supervisory authority for detecting and assessing risks to consumers and to markets for consumer financial products and services.\n\n12 U.S.C 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited No financial institution, or officer, employees, or agent of a financial institution, may provide to any Government authority access to or copies of, or the information contained in, the financial records of any customer except in accordance with the provisions of this chapter.\n\n( b ) Release of records upon certification of compliance with chapter A financial institution shall not release the financial records of a customer until the Government authority seeking such records certifies in writing to the financial institution that it has complied with the applicable provisions of this chapter.\n\n( c ) Notification to Government authority of existence of relevant information in records Nothing in this chapter shall preclude any financial institution, or any officer, employee, or agent of a financial institution, from notifying a Government authority that such institution, or officer, employee, or agent has information which may be relevant to a possible violation of any statute or regulation. Such information may include only the name or other identifying information concerning any individual, corporation, or account involved in and the nature of any suspected illegal activity. Such information may be disclosed notwithstanding any constitution, law, or regulation of any State or political subdivision thereof to the contrary. Any financial institution, or officer, employee, or agent thereof, making a disclosure of information pursuant to this subsection, shall not be liable to the customer under any law or regulation of the United States or any constitution, law, or regulation of any State or political subdivision thereof, for such disclosure or for any failure to notify the customer of such disclosure.\n\n( d ) Release of records as incident to perfection of security interest, proving a claim in bankruptcy, collecting a debt, or processing an application with regard to a Government loan, loan guarantee, etc.\n\n( 1 ) Nothing in this chapter shall preclude a financial institution, as an incident to perfecting a security interest, proving a claim in bankruptcy, or otherwise collecting on a debt owing either to the financial institution itself or in its role as a fiduciary, from providing copies of any financial record to any court or Government authority.\n\n( 2 ) Nothing in this chapter shall preclude a financial institution, as an incident to processing an application for assistance to a customer in the form of a Government loan, loan guaranty, or loan insurance agreement, or as an incident to processing a default on, or administering, a Government guaranteed or insured loan, from initiating contact with an appropriate Government authority for the purpose of providing any financial record necessary to permit su\nch authority to carry out its responsibilities under a loan, loan guaranty, or loan insurance agreement.\n\n( Pub. L. 95630, title XI, 1103, Nov. 10, 1978, 92 Stat. 3698 ; Pub. L. 99570, title I, 1353 ( a ), Oct. 27, 1986, 100 Stat. 320721 ; Pub. L. 100690, title VI, 6186 ( a ), Nov. 18, 1988, 102 Stat. 4357. ) 15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department.\n\n( b ) Mailing of copy of certification and notice to customer When financial records subject to this chapter are transferred pursuant to subsection ( a ), the transferring agency or department shall, within fourteen days, send to the customer a copy of the certification made pursuant to subsection ( a ) and the following notice, which shall state the nature of the law enforcement inquiry with reasonable specificity : \" Copies of, or information contained in, your financial records lawfully in possession of have been furnished to pursuant to the Right of Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ] for the following purpose :. If you believe that this transfer has not been made to further a legitimate law enforcement inquiry, you may have legal rights under the Financial Privacy Act of 1978 or the Privacy Act of 1974 [ 5 U.S.C. 552a ]. '' ( c ) Court-ordered delays in mailing Notwithstanding subsection ( b ), notice to the customer may be delayed if the transferring agency or department has obtained a court order delaying notice pursuant to section 3409 ( a ) and ( b ) of this title and that order is still in effect, or if the receiving agency or department obtains a court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title. Upon the expiration of any such period of delay, the transferring agency or department shall serve to the customer the notice specified in subsection ( b ) and the agency or department that obtained the court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title shall serve to the customer the notice specified in section 3409 ( b ) of this title.\n\n( d ) Exchanges of examination reports by supervisory agencies ; transfer of financial records to defend customer action ; withholding of information Nothing in this chapter prohibits any supervisory agency from exchanging examination reports or other information with another supervisory agency. Nothing in this chapter prohibits the transfer of a customer 's financial records needed by counsel for a Government authority to defend an action brought by the customer. Nothing in this chapter shall authorize the withholding of information by any officer or employee of a supervisory agency from a duly authorized committee or subcommittee of the Congress.\n\n( e ) Exchange of records, reports, or other information Notwithstanding section 3401 ( 6 ) 1 of this title or any other provision of law, the exchange of financial records, examination reports or other information with respect to a financial institution, holding company, or any subsidiary of a depository institution or holding company, among and between the five member supervisory agencies of the Federal Financial Institutions Examination Council, the Securities and Exchange Commission, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Bureau of Consumer Financial Protection is permitted.\n\nNOTICE OF WILLFUL NONCOMPLIANCE I am seeking Civil liability for willful noncompliance : TransUnion, 1 violation per month 43 x 7 = 50 X 10 Civil liability for willful noncompliance. {$1000.00} per violation. {$50000.00} X 10 = {$500000.00} Total {$500000.00} Update my consumer report and Civil liability for willful noncompliance {$1000.00} per violation.\n\n15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; False Claims Act penalties for 2023 31 USC 3729 : False claims Text contains those laws in effect on XX/XX/XXXX XXXX. False claims ( a ) Liability for Certain Acts.- ( 1 ) In general.-Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( E ) is authorized to make or deliver a document certifying receipt of property used, or to be used, by the Government and, intending to defraud the Government, makes or delivers the receipt without completely knowing that the information on the receipt is true ; ( F ) knowingly buys, or receives as a pledge of an obligation or debt, public property from an officer or employee of the Government, or a member of the Armed Forces, who lawfully may not sell or pledge property ; or ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, is liable to the United States Government for a civil penalty of not less than {$5000.00} and not more than {$10000.00}, as adjusted by the Federal Civil Penalties Inflation Adjustment Act of 1990 ( 28 U.S.C. 2461 note ; Public Law 104-410 ), plus 3 times the amount of damages which the Government sustains because of the act of that person.\n\n2023 False Claims Act Penalties {$13000.00} to {$27000.00} On XX/XX/XXXX DOJ adjusted False Claims Act penalties for XXXX and beyond. 88 FR 5776.. \n\nAs a result, after XX/XX/XXXX False Claims Act Penalties, for conduct after XX/XX/XXXX, will be from {$13000.00} to {$27000.00}. \n\n= {$500000.00} + False Claims Act Penalties X XXXX = {>= $1,000,000}","date_sent_to_company":"2023-07-23T14:33:27.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"32725","tags":null,"has_narrative":true,"complaint_id":"7289876","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-23T14:20:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( b ) Release of records upon certification of <em>compliance</em> with chapter A <em>financial</em> institution shall not release the <em>financial</em> records of a <em>customer</em> until the Government authority seeking such records certifies in writing to the <em>financial</em> institution that it has complied with the applicable provisions of this chapter."]},"sort":[9.112022,"7289876"]},{"_index":"complaint-public-v1","_id":"6296648","_score":8.791411,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Protection Financial Bureau (CFPB)\n1700 G Street NW Washington, D.C. 20038 United States\nThis is to complain against the Truist Financial Corporation\nURGENCY: HIGH IMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX   I wish to practice my right as a customer of Truist Financial Corporation to use your organisation's service, seeking a formal, impartial investigation to amicably settle my dispute XXXX XXXX XXXX  with Truist Financial Corporation.\nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Truist Financial Corporation respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analysing the relevant facts in an objective and comprehensive fashion.\nIt is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam.\nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Truist Financial Corporation to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money, and are a financial institution that maintains a traditional relationship and way of working with its customers.\nDuring the complaints process with Truist Financial Corporation, I found their communication ineffective, which further hides their conduct from management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.\n\nGeneral Obligation:\nCommencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX XXXX from my Truist Financial account to fraudulent investment firm.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, the following (i) whether Truist Financial Corporation did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety; (ii) whether by virtue of Truist Financial Corporations custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether Truist Financial Corporation promoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question (iv) whether Truist Financial Corporation was in compliance with its own policies and procedures; (v) whether Truist Financial Corporation owed duties to myself, what the scope of those duties was, and whether Truist Financial Corporation did not uphold those duties; (vi) whether Truist Financial Corporations conduct was unfair; and (vii) whether Truist Financial Corporation has within its power the ability to, and should, compensate me for the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Truist Financial Corporation must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Truist Financial Corporation did not foresee the fraud and disregarded even the most obvious dangers in this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past.\n \nTruist Financial Corporations Position:\nOn XXXX XXXX XXXX Truist Financial Corporation wrote in a letter: Based on our investigation, Truist denies your claim for reimbursement because our investigation reveals the activity/transaction(s) was authorized.\nOn XXXX XXXX XXXX, Truist Financial Corporation wrote in a letter: You have advised that you were a victim of fraud... The information was keyed according to the Outgoing Wire Transfer Request Agreement, which you confirmed and signed.\nRefuting Truist Financial Corporations arguments from a purely logical perspective:\nTruist Financial Corporations position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims; they are essentially arguing that common-sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint.\nIn Truist Financial Corporations view, it is implied that we should not home in (and consequently rely on) unwritten laws, practicality, good judgment, reasonableness, sharpness, sensibleness, past outcomes, and insight when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible.\nImagine a view according to which the one and only thing that can make Truist Financial Corporation morally obligated to do something is having it written down somewhere. Pursuant to this view, if Truist Financial Corporation encounters the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as Truist Financial Corporation.\nI have reviewed the material hereto sent by Truist Financial Corporation carefully, and it, unfortunately, provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind.\nIt is perfectly obvious that Truist Financial Corporation, inadvertently, employs a subtle approach in addressing some of the key questions in a manner that neither provides me with adequate support nor protects anything other than its own interests.\nIt is Truist Financial Corporation here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that Truist Financial Corporation adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is Truist Financial Corporation that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable and that my proposed degree of care is not, and has not been, commensurate with Truist Financial Corporations capacity, experience, expertise, or scope of services in any way. To re-emphasize, Truist Financial Corporations indisputable overriding purpose is by no means to purely execute transactions in a blind and blank fashion, but rather to strike a balance between executing those transactions\n  \nand capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity.\nApropos of the fluidity of the concept of reasonableness, all Truist Financial Corporation has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience.\nTruist Financial Corporation is obliged to take some action if it is sufficiently aware of a real possibility that fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n1) Takes a proactive approach to minimizing risks, impact, and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. Regarding the detection of fraud and financial abuse, it says the organization:\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple chequebooks;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation\n  \nto the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organizations should have a process in place to ensure that staff makes contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud, and discuss an appropriate plan of action.\nTruist Financial Corporation is yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified.\nRather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development, and sustainability  Truist Financial Corporation adopts a rather insouciant attitude toward my financial predicament portrayed herein.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Truist Financial Corporation in relation to this matter. I have also thoroughly detailed why they cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavors undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices.\nAstonishingly, I am pondering how it is that, despite being shown that Truist Financial Corporations business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. Truist Financial Corporations non-observance of the fundamental principles of justice  that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable\n \nconsumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself.\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses: a) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b) the fraud in question was not reasonably foreseeable, or c) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Truist Financial Corporation pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary.\nIn summary, I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you.\nXXXX  XXXX  THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\n \nPage 1 of 9\nXXXX XXXX XXXX\nTruist Financial XXXX XXXX XXXX XXXX XXXX, NC\nRe: Demand Letter\nAttn: Claims/Fraud Dept. Dear Sir/Madam,\nFor negotiation purposes only, without effect as to any and all rights\n  The goal of this letter is twofold: first, it aims to establish that a duty of care has been breached, inasmuch as you have failed to perform adequate due diligence and/or have not acted in a reasonable and prudent manner to prevent foreseeable substantial damages that I have suffered as a result of a fraud [1]. Second, it shall serve as a formal written demand for reimbursement based on the aforementioned grounds, among others.\nA comprehensive analysis of fraud prevention suggests that by processing atypical, non-routine transactions, and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, you have engaged in, is a pattern or a practice of wrongful and negligent conduct which has enabled the commission of a fraud that resulted in my financial and psychological damages. The facts and details concerning the actions in question are set forth hereunder.\nOVERVIEW\n Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX  (the Company), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services,\" all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.\n Money was transferred from my account via bank wire, credit card, debit card and through intermediaries named \"XXXX XXXX in the total amount of XXXX XXXX utilizing your services.\n1 FCA: A more effective approach to combatting financial crime (XXXX XXXX XXXX) 1\n    \nPage 2 of XXXX XXXX XXXX XXXX\n Additionally, it is vital that you will immediately take all actions within your power to remedy the situation, whether by raising chargeback and recall in respect of the transactions in question or reimburse me and credit my account, for the full amount of these payments, in the total amount of XXXXusd!\n This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within your organization.\n Had you looked at the wider circumstances surrounding the above-referenced transactions, this illicit transfer of wealth could have been prevented.\n Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety.\n Against this background, and without derogating any of my rights, I hereby hold you liable for financial and emotional harm, and insist that you reimburse my account in full within 14 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and sensitiveness to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as possible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards and rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good industry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either upon knowledge with respect to myself and my own experience, or upon facts obtained through investigations conducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the allegations contained herein are known only to the Company and/or are exclusively within their control.\nThe Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money that they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced and naive, in pursuit of illicit wealth through various fraudulent representations.\nI did not know, and through the exercise of reasonable diligence could not have discovered the fraud that was being perpetrated upon me by the Company. Fraud is commonly conceptualized as\n 2\n\nPage 3 of 9 XXXX XXXX XXXX\nwithholding from the weaker party in a financial transaction (e.g., an investor) information which is necessary to make an informed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A complication here is that the weaker party, amateur/unseasoned investors in particular, might have trouble analyzing the data at hand sufficiently well to identify fraudulent schemes. Unfortunately, because financial products are often abstract and complex, theres no easy solution to this problem. Therefore, full autonomy of investors might not only require access to sufficient information, but also access to relevant technologies, know-how, processing capabilities, and resources to analyze the information. A reasonable solution is that financial institutions would be required to promote transparent communication in which they track the understanding of their customers.\nThe false representations and omissions made by the Company have a tendency or capacity to deceive consumers, such as myself, into unwittingly providing funds that fueled the Companys fraudulent scheme and therefore by their nature are jointly  immoral, unethical, oppressive, unscrupulous, and substantially injurious to consumers.\nAs a result of the Companys deceptive trade practices, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. The false statements of material facts and omissions; and the fraudulent transactions the Company perpetrated were unfair, unconscionable, and deceptive practices perpetrated which would have likely deceived any reasonable person under the circumstances.\nMERCHANTS FRAUD SCHEME  ALLEGATIONS\nThe Company hired, managed and trained personnel, and collaborated with others as accomplices to their crimes to induce fraud that resulted in my financial and psychological damages. These include, but are not limited to, the following allegations, all of which involve criminal, non-regulated, and malicious activities:\n1. The Company directed and instructed others to work from shell companies that were operating from various unassociated locations across the globe.\n2. The Company opened bank accounts and crypto currency wallets in multiple countries and used them through their accomplices from around the world to conceal and disguise the identity of illegally obtained proceeds so that they appear to have originated through\n 3\n\nPage 4 of 9 XXXX XXXX XXXX\nlegitimate sources.\n3. The Company intentionally committed fraudulent misrepresentation, and falsified its agent\nnames, credentials, competencies, qualifications and location. The Companys name is merely a brand name, officially owned by shell corporations located offshore. In reality, the entire operation is being conducted from elsewhere (supposed location is evidently fictitious), and furthermore, the call center, marketing, and decision making, are all being performed by completely anonymous and hidden entities. Concealing true identities and utilizing front companies as a vehicle for a wide spectrum of financial maneuvers, is a notorious practice of criminal organizations.\n4. The Company has blatantly violated international laws, as it has been practicing without a license and funneling enormous sums of money, through countries and jurisdictions that require registration to operate.\n5. The Company provided direct investment advice - not utilizing 3rd party recommendations (e.g., according to XXXX XXXX)\n6. The Company offered investment services/advice not related to real market/exchange data (e.g.: the manufacture of false charts). The trading platform was purposely manipulated, in a way that each client would ineluctably and unknowingly lose money, as the existence of the trades was fabricated. Instead, the Companys staff and its accomplices simply pocketed the money, using it to purchase various luxurious, non- essential items.\n7. The Company prohibited my ability to withdraw my funds.\n8. The Company was guaranteeing unrealistic returns/yields.\n9. The Company furnished me with bonuses - which are not allowed to be given.\n10. The Company was trading on my behalf (use of remote control of my computer).\n11. My money was not held in a segregated account.\n12. The Company did not advertise/disclose/was not transparent regarding the statistical data\nrepresenting the percentage of total client losses at the company.\n13. The Company did not mention the commission and overnight swaps.\n14. The Company did not read me the risk disclosure prior to my deposit(s).\n15. The Company used high pressure tactics and outbursts, which took a severe toll on my\nhealth.\n4\n\nPage 5 of 9 XXXX XXXX XXXX\nArmed with my personal details, the Companys staff seduced me, until I transferred all my savings to them. They utilized their knowledge of my cultural context, which stressed square and honorable business dealings along with honesty, to maliciously take advantage of my trusting nature.\nPlease take notice that my funds were transferred through means of coercion and under false pretenses.\nAttached, please find supportive statements, screenshots and further evidence.\nEXPOSING YOUR ORGANIZATIONS MISCONDUCT\nI hereby allege that your organization has breached the duty of care that is owed by a financial institution to its clients in circumstances where there are reasonable grounds to suspect that the sole purpose of a payment instruction is to defraud the client. Under such circumstances, you are obliged to refrain from executing the payment instruction until you have been able to conclude that there is a legitimate basis for the instruction. Once the duty is engaged, the duty takes priority over the usual obligation of a financial institution to execute customer instructions promptly. The duty in question is often referred to as the XXXX XXXX  well established in the case of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\nThe XXXX XXXX  requires financial institutions to take reasonable care and skill when executing the instructions of a client. It is recognized as authoritative by leading academic texts [2]. The duty arises in cases where it can be argued that an ordinary prudent staff member of a financial institution would have a reasonable basis for suspicion that a particular payment instruction would result in the misappropriation of the funds of the client.\"\nWhen the duty does arise, it can be discharged simply by refraining from executing the instruction unless and until such time as the financial institution is able to establish that the instruction relates to a lawful obligation. The financial institution should seek further information and/or documentation from the client in order to help establish this.\nBased on the above, and after conducting a comprehensive review of our communication/interactions, it has become glaringly obvious to me that at best, no adequate\n2 (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)\n    5\n\nPage 6 of 9 JXXXX XXXX XXXX\ninformation and/or documentation were sought by your organization, and at worst, no appropriate safeguards were implemented.\nIf a financial institution executed a customers order to transfer money knowing it to be dishonestly given, shutting its eyes to the obvious fact of the dishonesty or acting recklessly in failing to make such inquiries as an honest and reasonable individual would make,\" it would be in breach of its duty of care, even if the payment instruction is made in accordance with the terms of the mandate and the bank is liable for negligence resulting in damages.\nCompliance departments should ensure that staff members understand the legal requirements and that where there are suspicions, these suspicions must be communicated to all relevant personnel whilst being investigated.\nFor the avoidance of doubt, reasonable grounds should not necessarily be interpreted as proof. On the basis of various signs, you should have assumed that something suspicious was going on and suspended transactions until reasonable enquiries could be made to verify that the transactions were properly executed. In other words, I am a victim of your negligence for facilitating the misappropriation of funds, and doing little to safeguard public financial interests. Any reasonable banker would have realized that there were many obvious, even glaring, signs that I am a fraud victim. (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [3].\nA financial institution would never be as reckless with its own assets as has been the case with my assets, and if you had treated my assets as though they were your own, this would not have been made possible. The debits made from my account should be reversed as a result of your failure to take proactive measures to protect it, just as you would do if your own assets were in a similar state of peril. It is also libelous/defamatory to make false statements about an individual that adversely affects their credit rating.\nWhen discussing the responsibilities that a bank might incur, it is crucial not to forget the fact that a legitimate complaint by, or cause of action on the part of a client might generate/give rise to further statutory cause of action and/or additional liabilities beholden by a financial institution to the relevant regulatory authority. Obligations/duties beholden by a bank to a regulator are distinct from those beholden to the customer. Moreover, you may be liable to more than one regulatoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  More often than not, such legal duties spring from the very facts that gave rise to the liabilities to your clients in the first place. Similarly, to the foregoing, I may also have a cause of action against you for breach of mandate as you have negligently transferred my funds without proper enquiry.\nInstead, you should have been working hard with Artificial Intelligence [4] / Big data technologies to discover automated and effective ways not only to detect fraud but also to prevent it. Furthermore, the tremendous amount of data you possess is by no means self-evident let alone to be overlooked, hence by not utilizing it systematically and effectively to pinpoint irregular and suspicious activities you are misleading your customers, who have taken the leap of faith and placed trust and confidence in your honesty, authority, and competence. A plausible assumption here would be that the pattern of the above-mentioned transactions was sufficiently suspicious that it should have been flagged and blocked by your staff, even if you have never encountered similar situations.\nPractically speaking, effective steps to prevent bad actors from taking advantage of future victims (or at least to minimize this possibility) are abundant:\n The use of automated and human review of","date_sent_to_company":"2022-12-20T18:39:13.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"29681","tags":null,"has_narrative":true,"complaint_id":"6296648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-12-08T23:55:35.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Truist <em>Financial</em> Corporation to be commensurate with their legal role and responsibility to their <em>customers</em>. They sell a service to look after their <em>customers</em>, protect their money, and are a <em>financial</em> institution that maintains a traditional relationship and way of working with its <em>customers</em>."],"company":["TRUIST <em>FINANCIAL</em> CORPORATION"]},"sort":[8.791411,"6296648"]},{"_index":"complaint-public-v1","_id":"7821570","_score":8.758742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax continue to report this account XXXX XXXX account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every 30 days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.\n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T18:54:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7821570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-08T18:54:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["institution for examination, <em>compliance</em>, or other purposes as authorized by law.\n\n15 U.S."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[8.758742,"7821570"]},{"_index":"complaint-public-v1","_id":"7818905","_score":8.7532215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX continue to report this account XXXX XXXX  account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every XXXX  days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among 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