{"took":182,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2707794","_score":24.195953,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. \nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.","date_sent_to_company":"2017-10-20T16:11:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95122","tags":null,"has_narrative":true,"complaint_id":"2707794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-20T15:55:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies."],"issue":["Incorrect information on your report"]},"sort":[24.195953,"2707794"]},{"_index":"complaint-public-v1","_id":"2575434","_score":18.658203,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, my personal information was use to acquired XXXX XXXX XXXX credit cards without my consent. The credit report that i obtained from Innovis credit bureau shows my personal information was incorrect as it shown in the attachment. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.","date_sent_to_company":"2017-07-15T12:48:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2575434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Innovis","date_received":"2017-07-15T12:27:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor."],"issue":["Incorrect information on your report"]},"sort":[18.658203,"2575434"]},{"_index":"complaint-public-v1","_id":"3599837","_score":16.385513,"_source":{"product":"Debt collection","complaint_what_happened":"As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. \nI have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. \nI hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. \nAgreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. \nSincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as \" RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. \nAgreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2020-04-09T18:39:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"94596","tags":null,"has_narrative":true,"complaint_id":"3599837","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"R.M. Galicia, Inc.","date_received":"2020-04-09T18:18:53.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. \nAgreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate."]},"sort":[16.385513,"3599837"]},{"_index":"complaint-public-v1","_id":"2589213","_score":14.08608,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, my information was use to obtain XXXX XXXX XXXX credit cards Account Number : XXXX without my consent. This letter is to inform that I would like a verification of the fraudulent account. Under the FCRA, I have the rights to request a validation of this fraud account with proof of my authentic hand signature.\nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this fraud account, you can not continue to report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish.\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.\n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.\nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to XXXX or XXXX of these XXXX agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-07-30T06:31:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95116","tags":null,"has_narrative":true,"complaint_id":"2589213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-30T01:49:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish."],"issue":["Incorrect information on your report"]},"sort":[14.08608,"2589213"]},{"_index":"complaint-public-v1","_id":"2681313","_score":14.058252,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, my information was use to obtain XXXX XXXX XXXX XXXX XXXX credit cards with balance of XXXX without my consent. This letter is to inform that I would like a verification of the fraudulent account. Under the FCRA, I have the rights to request a validation of this fraud account with proof of my authentic hand signature. \nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this fraud account, you can not continue to report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish.\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.\n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.\nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-09-22T04:04:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95127","tags":null,"has_narrative":true,"complaint_id":"2681313","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-22T00:04:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish."],"issue":["Incorrect information on your report"]},"sort":[14.058252,"2681313"]},{"_index":"complaint-public-v1","_id":"2589215","_score":14.0479145,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, my information was use to obtain XXXX XXXX XXXX credit cards Account Number : XXXX without my consent. This letter is to inform that I would like a verification of the fraudulent account. Under the FCRA, I have the rights to request a validation of this fraud account with proof of my authentic hand signature.\nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this fraud account, you can not continue to report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish.\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.\n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.\nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-07-30T06:31:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95116","tags":null,"has_narrative":true,"complaint_id":"2589215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Innovis","date_received":"2017-07-30T02:31:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish."],"issue":["Incorrect information on your report"]},"sort":[14.0479145,"2589215"]},{"_index":"complaint-public-v1","_id":"2681314","_score":14.042578,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft, my information was use to obtain XXXX XXXX XXXX XXXX XXXX credit cards with balance of XXXX without my consent. This letter is to inform that I would like a verification of the fraudulent account. Under the FCRA, I have the rights to request a validation of this fraud account with proof of my authentic hand signature. \nTherefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this fraud account, you can not continue to report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish. \nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. \n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. \n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits. \n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. \n\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. \n\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed. \nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-09-22T00:04:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95127","tags":null,"has_narrative":true,"complaint_id":"2681314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-21T23:54:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents : 1. Agreement with your client that authorizes of the account.\n2. Agreement that bears signature from whom the account was establish."],"issue":["Incorrect information on your report"]},"sort":[14.042578,"2681314"]},{"_index":"complaint-public-v1","_id":"1471181","_score":13.9456005,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital SystemsTo Register a Complaint : Mailing address : XXXX XXXX XXXX, XXXX. XXXX , XXXX MN XXXXPhone Number : XXXX ( toll free ) Email : XXXXXXXXXXXX XXXX, 2015Re : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. XXXX Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. \n\nSince you now have acquired this inaccurate disputed account. I have never been notified by Jefferson Capital System of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. \n\nI hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents:1. Please provide payment history. \n2. Copies of Disputed Inaccurate Billing Statements - XXXX XXXX. Agreement with your client that authorizes you to collect on this alleged debt. \n4. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. \n5. Complete payment history on this account, to prove that the amount you wish to collect is accurate. \nBe advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The Fair Credit Reporting Act ( FCRA ) is a federal law that details how consumer credit information can be collected, given out, and used. Under the FCRA, consumers have a right to view information in their credit file and dispute inaccurate information. TheFederal Trade Commission, FTC, publishes the full text of the FCRA. \nThis is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay JEFFERSON CAPITAL SYSTEMS.","date_sent_to_company":"2015-07-16T02:28:26.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1471181","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2015-07-16T02:28:25.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents:1. Please provide payment history. \n2. Copies of Disputed Inaccurate Billing Statements - XXXX XXXX. Agreement with your client that authorizes you to collect on this alleged debt. \n4. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. \n5."]},"sort":[13.9456005,"1471181"]},{"_index":"complaint-public-v1","_id":"1604081","_score":13.79256,"_source":{"product":"Credit reporting","complaint_what_happened":"As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. \n\nXXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\nRe : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.","date_sent_to_company":"2015-10-13T17:24:10.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1604081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-10-13T17:24:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[13.79256,"1604081"]},{"_index":"complaint-public-v1","_id":"2563860","_score":13.376522,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam, Re : Ending Account Number : XXXX This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from your agency on my credit report. The name appears on the fraud account is not my correct name. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\n

\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nAll violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed. Should an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-07-01T05:25:47.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2563860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-01T05:25:45.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor."]},"sort":[13.376522,"2563860"]},{"_index":"complaint-public-v1","_id":"2563855","_score":13.335497,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam, Re : Ending Account Number : XXXX This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from your agency on my credit report. The name appears on the fraud account is not my correct name. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.\n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nXXXX\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nAll violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.\nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-07-01T05:25:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2563855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-01T05:06:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor."]},"sort":[13.335497,"2563855"]},{"_index":"complaint-public-v1","_id":"1604084","_score":13.114698,"_source":{"product":"Debt collection","complaint_what_happened":"As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. \n\nThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. \n\nThe XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\nRe : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.","date_sent_to_company":"2015-10-13T18:27:17.000Z","issue":"Disclosure verification of debt","sub_product":"Non-federal student loan","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1604084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Financial Business and Consumer Solutions.","date_received":"2015-10-13T18:27:16.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[13.114698,"1604084"]},{"_index":"complaint-public-v1","_id":"1604083","_score":13.0895195,"_source":{"product":"Credit reporting","complaint_what_happened":"As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. \n\nThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. \n\nXXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\nRe : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.","date_sent_to_company":"2015-10-13T18:09:52.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1604083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-10-13T18:09:51.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[13.0895195,"1604083"]},{"_index":"complaint-public-v1","_id":"2481970","_score":13.00215,"_source":{"product":"Debt collection","complaint_what_happened":"This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from your agency on my credit report Bank of America, Account Number: XXXX . I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following document s : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3. Complete payment history on this account, to prove that the amount you wish to collect is accurate.\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may n ot reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clau se ( ii ), a consumer reporting agency shall provide to a consumer in writing no later tha n 5 bu siness days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nIf an Item Re appears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed. Should an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commissi on ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to XXXX or both o f these XXXX ag encies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court. As it stated in the Verification Letter from XXXX on XXXX XXXX 2017 \" If an i te m says, '' Deleted '' we have REMOVED it from your credit report and TAKEN STEPS so it does NOT REAPPEAR ''. These statement can be found as proof in the letter as provide in Attach Docu ments.","date_sent_to_company":"2017-05-23T16:04:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2481970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-11T14:05:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following document s : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3."]},"sort":[13.00215,"2481970"]},{"_index":"complaint-public-v1","_id":"2481969","_score":12.86025,"_source":{"product":"Debt collection","complaint_what_happened":"This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from your agency on my credit report Bank of America, Account Number: XXXX . I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. I hope you are aware that reporting any invalidated information to major credit bureaus may co nstitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land y our company in serious legal trouble with the Federal Trade Commissi on ( FTC ) and other state/federal agencies. Please attach copies of the following document s : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3. Complete payment history on this account, t o prove that the amount you wish to collect is accurate. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagrap h ( A ), the information may not r einserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date . In responsibilities Credit Bureau is liable if fail to observe the time limits. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you suc cessfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed. Should an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commissio n ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matte r. Make sure the offender is aware you are reporting them to XXXX or both of these XXXX agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court. As it stated in the Verification Letter from XXXX on XXXX XXXX , 2017 \" If an item says, '' Deleted '' we have REMOVED it from your credit report and TAKEN STEPS so it does NOT REAPPEAR ''. These statement can be found as proof in the letter as provide i n Attach Documents.","date_sent_to_company":"2017-05-12T22:02:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2481969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-11T14:33:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land y our company in serious legal trouble with the Federal Trade Commissi on ( FTC ) and other state/federal agencies. Please attach copies of the following document s : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3."]},"sort":[12.86025,"2481969"]},{"_index":"complaint-public-v1","_id":"1554703","_score":12.393555,"_source":{"product":"Credit reporting","complaint_what_happened":"ATTN : XXXX XXXX XXXX XXXXThank you for your follow-up message. The XXXX has reviewed this complaint and responded directly to the complainant via USPS mail. HOWEVER, I XXXX XXXX XXXX am in dispute of the Investigation Results. Due to privacy laws the XXXX can not release the results of their findings or communications REGARDING the complainant for ( XXXX XXXX ) without the required written authorization. \nThis e-mail is regarding the above referenced complaint, which I XXXX XXXX XXXX submitted to your agency filed against XXXX on XXXX/XXXX/2015. I will be mailing you the required form to complete your investigation. Nevertheless, as advised, in order for XXXX to further pursue this complaint, I XXXX XXXX also faxed the required form needed. I completed the attached XXXX form and return it back to your office within TEN ( 10 ) business days. I placed \" Attn. XXXX XXXX at XXXXXXXXXXXX '' under the area titled \" E-mail communication ''. \n\n\nAs per the correspondence, I received from : The XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The XXXX on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that The XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX , Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. \n\nThe XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, XXXX must also be aware that until XXXX validate this debt, XXXX can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \n\nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\n\nPlease Note : Re : False Certification of Student Eligibility or Unauthorized Payment Discharge is unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my XXXX or XXXX loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.","date_sent_to_company":"2015-09-09T13:19:54.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1554703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-09-08T16:14:14.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \n\nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[12.393555,"1554703"]},{"_index":"complaint-public-v1","_id":"1554702","_score":11.908714,"_source":{"product":"Credit reporting","complaint_what_happened":"ATTN : XXXX XXXX XXXX XXXXThank you for your follow-up message. The XXXX has reviewed this complaint and responded directly to the complainant via USPS mail. HOWEVER, I XXXX XXXX XXXX am in dispute of the Investigation Results. Due to privacy laws the XXXX can not release the results of their findings or communications REGARDING the complainant for ( XXXX XXXX ) without the required written authorization. \nThis e-mail is regarding the above referenced complaint, which XXXX XXXX XXXX XXXX submitted to your agency filed against XXXX on XXXX/XXXX/2015. I will be mailing you the required form to complete your investigation. Nevertheless, as advised, in order for XXXX to further pursue this complaint, I XXXX XXXX also faxed the required form needed. I completed the attached XXXX form and return it back to your office within TEN ( 10 ) business days. I placed \" Attn. XXXX XXXX at XXXXXXXXXXXX '' under the area titled \" E-mail communication ''. \n\n\nAs per the correspondence, I received from : The XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The XXXX on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that The XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX , Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. \n\nThe XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, XXXX must also be aware that until XXXX validate this debt, XXXX can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \n\nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\n\nPlease Note : Re : False Certification of Student Eligibility or Unauthorized Payment Discharge is unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or FFEL Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.","date_sent_to_company":"2015-09-09T13:19:32.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1554702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-09-08T16:06:07.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \n\nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[11.908714,"1554702"]},{"_index":"complaint-public-v1","_id":"2549316","_score":11.632811,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, Re : Accoun t Number : XXXX This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request t hat you prove that I am indeed the party who is contractually obligated to pay off this debt.\nI hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3. Complete payment history on this account, to prove that the amount you wish to collect is accurate.\nSincerely, A Fraud item result in identity theft Bank of America ( a ccounts # XXXX ) successfully disputed as Verification shown on my credit report file sent on XXXX XXXX XXXX in writi ng form. The credit report of ( X/XX/2017 ) and the report file number XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

The last credit update on XXXX XXXX XXXX which is 14 days passed from XXXX Verification Letter on XXXX XXXX XXXX was received, I discovered the item Bank Of America # XXXX had been REAPPEARING into my credit file when i check my credit report online. By LAW you are required to notify me with in Five ( 5 ) days limits of Re-inserting a previously Deleted item under ( FCRA ) Fair Credit Reporting Act in Written Form. I did Not receive any such notification. You have VIOLATED the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Clause ( ii ), ( Considered 9 days late from the time expired without a written form ).\n

\nIn accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.\n*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.\n*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.\n( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\n

\nI received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.\n

\nIf an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.\nShould an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to one or both of these two agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.","date_sent_to_company":"2017-06-17T13:57:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95112","tags":null,"has_narrative":true,"complaint_id":"2549316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-06-17T13:57:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.\nPlease attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.\n2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.\n3. Complete payment history on this account, to prove that the amount you wish to collect is accurate."],"issue":["Incorrect information on your report"]},"sort":[11.632811,"2549316"]},{"_index":"complaint-public-v1","_id":"1604085","_score":11.338303,"_source":{"product":"Credit reporting","complaint_what_happened":"As per the correspondence, I received from : The University XXXX - Dated : XX/XX/2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. \n\nThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The University XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that The University XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my University XXXX , Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. \n\nThe University XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\nRe : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or FFEL Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by MS XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX University XXXX XXXX XXXX XXXX Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. \nUnpaid Refund DischargeSubsequently ; Please advice, since this unauthorized discharge occurred, am I XXXX XXXX XXXX, eligible for a discharge of my Direct Loan or XXXX Program loan since, I XXXX XXXX as stated in her correspondence, withdrew from XXXX, but the school did n't pay a refund that it owed to the U.S. Department of Education or to the lender, as appropriate. Check with the school to see how refund policies apply to federal aid at the school. - As per Letter received by XXXX XXXX, explained money was returned : Therefore, this would have made a change in Promissory Note for XXXX XXXX XXXX, Please investigate this issue/ UNFAIR BILLING PRACTICE AND DECEPTIVE ACT.","date_sent_to_company":"2015-10-13T19:06:31.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1604085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-10-13T19:06:30.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[11.338303,"1604085"]},{"_index":"complaint-public-v1","_id":"1466775","_score":11.307292,"_source":{"product":"Credit reporting","complaint_what_happened":"As per the correspondence, I received from : The University XXXX XXXX - Dated : XXXX XXXX, 2015 : Executive Relations Department - XXXX XXXX - Campus Complaint OfficerThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The University XXXX XXXX on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that The University of XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my University XXXX XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. \n\nThe University XXXX XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX period, the collector has the legal right to assume that you agree the debt is valid. \n\nPlease Note : Re : False Certification of Student Eligibility or Unauthorized Payment Discharge is unacceptable. \nPlease be advised, I XXXX may be eligible for a discharge of my Direct Loan or FFEL Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by MS XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My University XXXX XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. \nUnpaid Refund DischargeSubsequently, Please advise me, since this unauthorized discharge occurred, am I XXXX XXXX XXXX am eligible for a discharge of my Direct Loan or FFEL Program loan since, I XXXX XXXX as stated in her correspondence, withdrew from XXXX, but the school did n't pay a refund that it owed to the U.S. Department of Education or to the lender, as appropriate. Check with the school to see how refund policies apply to federal aid at the school. - As per Letter received by XXXX XXXX, explained money was returned : Therefore, this would have made a change in Promissory Note for XXXX XXXX XXXX, Please investigate this issue.","date_sent_to_company":"2015-08-14T18:32:20.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1466775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-07-14T18:11:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nUnder the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter."]},"sort":[11.307292,"1466775"]},{"_index":"complaint-public-v1","_id":"3097490","_score":11.140003,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This letter is being written and sent via email and/or land mail to the following folks/offices at the end of this letter. I have tried for 4 weeks working with the Bank of America local division and customer support no progress what so ever. \nTo make a long story short, myself and my fianc hired two lawyers to help my fianc and myself sell land that we inherited. On XX/XX/XXXX, I went into the XXXX Bank of America to transfer funding from BOA account, to my lawyers BOA account. \n\nAs you will read below, I am have corporate 110 % and volunteered information without BOA asking it. I have called customer service 11 times and had meeting with the BOA XXXX branch Manager XXXX XXXX. \n\nPer the BOA team fraud investigation team, talking with two lawyers, consulting with other lawyers and experts on the process of selling land in another country that is yours and then transferring the funds to BOA.we have done no wrong. \n\nAs you will read the only fraud issue I was told about is one of my lawyers partners has had issues in the past. I have been told, since then he has been fired. But the investigation team at BOA as I was truthfully promised is only investigation the XXXX Lawyer for PAST issues/events. Myself, my funding, my fianc, my current lawyer, and our current objectives are not being investigated and are within all existing laws for both countries and the United States. \n\nPer Bank of America rule and regulations and state/federal laws attached to this documentI have requested numerous times my funding that is being held by BOA be returned to me. Since then, BOA which use to call me daily, as ceased all communications with me and this event, yet I call the fraud department at BOA and no objectives have changed. \n\nI am 100 % XXXX, combat veteran that served this country through our military and XXXX..and this is the way BOA treats its XXXX combat vets. One day I was TOLD to go see our local branch manager.easier said than done with my XXXX. \n\nSo in summary, my funds to my legitimate lawyers, for legitimate selling of our heritance land.my funding was given to are BOS suspicious person flagged as a level XXXX and the remaining on my found will not be returned per attached BOA-state-federal laws/policy. I and my fianc have done nothing wrong, I even told the local branch manager that I understand it might take a couple of weeks to sort things out.but now I am being treated as the criminala person who fought, was wounded, a POW, for this country and am telling the truth 110 %. That is why I on my own free will supplied all information I have. I am told that this individual from XXXX is only the person being investigatedyet part of my funds were released to him, even per XXXX and local branch manager XXXXthey could not explain/understand and Per XXXX and XXXX, they knew he was on their list. Also my remaining money after 31 days is still being held. My mom just passed away and I had to borrow money from a friend to address that event. Like my dad said, If it was not for veteranswe would all be speaking XXXX XXXX. On own free will, two packages of emails, evidence, information ( 63 pages ) that pertains to the transferring of my own money to my lawyer to help my fianc sell her inheritance land from her late father. \n2. Was told by three BOA managers and investigating team that the investigation was only on my lawyers partner who went to another BOA account in XXXX for the funding. I, my funding, my current lawyer, and my fiancs activity was no way involved, and all legal per Attorney. Quote 100 % by XXXX and XXXX XXXX. \n3. When the suspected individual went to the XXXX BOA, he was flagged at the highest level, per BOA.yet the teller- why who the XXXX knows.still allowed him to walk away with my {$10000.00} and hold {$20000.00}. None should have been released, since I was told he was flagged at the highest level immediately. \n4. The same day I notified BOA that the {$20000.00} remaining should/will be put back into my account no matter what the outcome was on the investigation, Per BOA 18 day policy. \n5. I am a 100 % XXXX combat veteran and have never been treated like this and I feel the public needs to be made aware that an innocent 100 % combat XXXX veteran on limited income, his money is being held even though he was told the investigation was ONL : Y against the XXXX XXXX who attempted to collect the money. I have already contacted the VA and included that in my FBI and civil law suit. \n6. I have filed a local police report-Ocala- # XXXX, per BOA, in which a copy was given to BOA. \n7. I have filed a FBI XXXX report, per BOA, in which BOA was given a copy. \n8. BOA east coast manager XXXX and local XXXX branch manager, XXXX XXXX, were in constant contact with me.then it stopped! In 5 days, not one message returned which forced me to go into the branch, even with my XXXX of driving, XXXX. \n9. I showed proof the money was from my back pay for XXXX even though I was not asked. \n10. I showed and supplied proof that my XXXX land acquition inherited from Fathers death. Was legal and our attorney was certified yet the only issue per BOA was his partner in XXXX. He has been notified of that and I think he was fired him. \n11. I have asked in writing and verbal 13 times since XX/XX/XXXX, to please return the {$20000.00} to my account which is permitted per attached BOA policy. \n12. I am a retired XXXX XXXX, XXXX years in war, 2 months POW, and XXXX XXXX XXXX, and in my whole life the treatment and lack of caring from BOA is astonishing. \n13. My step mom passed away and I tried to get assistance from BOA to helpNothing. \n14. I am an honest and nice guy but with my credentials.I will make it my goal to see my funding is returned and BOA is held liable in some sort of public fashionas to not let this happen to other people and to show how there are still companies over here that treat combat veterans like nothing. \n15.. I request that the {$20000.00} by XX/XX/XXXX or it is my duty and right to proceed with litigation. \n16. I and my Fianc have done NOTHING wrongeven confirmed by your BOA investigation team to me and three managers.yet the XXXX partner was given {$10000.00} even when the highest flagged was raised per XXXX, and after talking with XXXX and the local branch manager of XXXX in XXXXthey dont care. I had a one hour meeting scheduled last week with the local XXXX branch BOA manager and in the first XXXX mins, he left the office 7 times to attend other matters.. So maybe BOA does not take this serious.but I sure will my friends. \n17. As you can tell from my credentials I am an educated man and also selling my land in XXXX, inherited from death of my Aunt, for a good amount of money, in which XXXX XXXX of BOA in XXXX aided me but I would be stupid or something magical happen to make me stay here ( the only thing I can think of is to have BOA, besides given me back my {$20000.00}, also reimburse me for the {$10000.00} that they were negligent in given to a person who was flagged at such a high level by BOA, per 3 managers and the investigation team, in which I have notes and told folks all conversations were being recorded ) General = Bank of America policy/rules/regs/regs Except for Remittance Transfers, if you direct us to begin processing a transfer immediately or a transfer 's status is In Process or Processed, you no longer have the right to cancel it. However, the Bank at its option, may attempt to cancel the transaction, subject to the limitations in Section 8.G below.\n\nAlternative Method : The easiest and most convenient way to cancel a transfer is through the method described above. However, you also may request to cancel a 1-time future-dated or recurring domestic transfer by calling us at XXXX. From outside of the continental XXXX, call us collect at : XXXX. \nIf you call, we may also require you to put your request in writing and get it to us within 14 days after you call. You may not call and cancel a transfer whose status is In Process or Processed. \nIf you attempt to cancel a payment or transfer in accordance with the above instructions and we do not do so, we will be liable for your losses or damages, subject to the limitations in Section 8.G below. \n\nSection 8-G Bank of America may at its option accept your cancellations or amendments to a transfer. You acknowledge that if Bank of America attempts to cancel or amend a transfer, then the reversal request or amendment must be agreed to by each financial institution which has accepted a payment order related to the transfer at issue before it will be acted upon and you further agree that Bank of America shall have no liability if a cancellation or amendment is not completed. You agree that you shall indemnify and hold Bank of America and officers, directors, employees, and representatives harmless from and against any and all claims, demands, losses, liabilities, and expenses, including attorney 's fees and costs, resulting directly or indirectly from compliance with your cancellation or amendment request. \n\n726.107When transfer made or obligation incurred.For the purposes of ss. 726.101-726.112 : ( 1 ) A transfer is made : ( a ) With respect to an asset that is real property other than a fixture, but including the interest of a seller or purchaser under a contract for the sale of the asset, when the transfer is so far perfected that a good faith purchaser of the asset from the debtor against whom applicable law permits the transfer to be perfected can not acquire an interest in the asset that is superior to the interest of the transferee.\n\n( b ) With respect to an asset that is not real property or that is a fixture, when the transfer is so far perfected that a creditor on a simple contract can not acquire a judicial lien otherwise than under ss. 726.101-726.112 that is superior to the interest of the transferee.\n\n( 2 ) If applicable law permits the transfer to be perfected as provided in subsection ( 1 ) and the transfer is not so perfected before the commencement of an action for relief under ss. 726.101-726.112, the transfer is deemed made immediately before the commencement of the action.\n\n( 3 ) If applicable law does not permit the transfer to be perfected as provided in subsection ( 1 ), the transfer is made when it becomes effective between the debtor and the transferee.\n\n( 4 ) A transfer is not made until the debtor has acquired rights in the asset transferred.\n\n( 5 ) An obligation is incurred : ( a ) If oral, when it becomes effective between the parties ; or ( b ) If evidenced by a writing, when the writing executed by the obligor is delivered to or for the benefit of the obligee.\n\n726.109Defenses, liability, and protection of transferee.\n\n( 1 ) A transfer or obligation is not voidable under s. 726.105 ( 1 ) ( a ) against a person who took in good faith and for a reasonably equivalent value or against any subsequent transferee or obligee. \n\n\nPeople who have been tricked into transferring money to a fraudster could find it easier to get their money back under plans set out by a regulator.\n\nThe Payment Systems Regulator ( PSR ) has been looking into such scams following a super-complaint by consumer group Which? over concerns that, unlike many other payment methods, victims conned into transferring money by bank transfer to a fraudster have no legal right to get their money back from their bank. \nPlans outlined by the PSR, following work with the payments industry, aim to make it harder for fraudsters to commit such crimes, ensure banks follow best practice and help them to recover money. \n\nXXXX experts are warning parents about a new text scam targeting pare Whether or not the fraud victim gets their money back would depend on whether banks and payment organizations had met required standards, including measures and processes that help prevent and respond to scams as well as whether or not the victim has taken an appropriate level of care in protecting themselves. \nThe PSR said the compensation model aims to help reinforce compliance with new best practice standards that banks will follow when a victim reports one of these scams.\n\nThe PSR said new protections to help prevent scams happening and help banks recover money faster will include : Confirmation of payee starting in XX/XX/XXXX, allowing customers to verify that they are paying the person they intend. \nTransaction data analytics, starting in XX/XX/XXXX, helping banks to shut down mule accounts taken over by criminals for fraudulent activity and spot potential fraudulent payments. \nKnow your customer data sharing for banks due in XX/XX/XXXX to help stop fraudsters opening accounts they use for scams. \nImproved data sharing providing a better understanding to help banks work together to respond to scams faster. \nThe Financial Conduct Authority said it had previously found that, generally, procedures for handling cases of push payment scams are often unclear and inconsistently applied. It said it will be actively monitoring the adoption, implementation and impact of the standards.","date_sent_to_company":"2018-12-11T20:57:54.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34476","tags":"Servicemember","has_narrative":true,"complaint_id":"3097490","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-12-11T20:38:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["So maybe BOA does not take this serious.but I sure will my friends. \n17."]},"sort":[11.140003,"3097490"]},{"_index":"complaint-public-v1","_id":"10855226","_score":10.497177,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX the Law Offices of Hayt, Hayt & Landau P.L. Represented by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TO : Complaint - Court false documents. \n\n\n\nSubject : Complaint Against Hayt, Hayt & Landau P.L., Represented by Attorney XXXX XXXX I am filing this formal complaint against the Law Offices of Hayt, Hayt & Landau P.L., represented by Attorney XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, for unethical practices, including filing false documents in court and violating privacy protection laws. \n\nSummary of Complaint : 1. Filing False Affidavits : In a sworn affidavit submitted to the court, Hayt, Hayt & Landau claimed I was served court case documents at a location that i had intended to built a home but never built or lived on. The address cited in the affidavit is vacant land with no structure and has never been inhabited. I do not reside there nor have I ever received any service at that location. \n\nThe affidavit also alleges that a neighbora \" white male between XXXX, '' unknown to meconfirmed my identity. This raises serious concerns regarding the falsification of information, as I have no association with any neighbor at the described location, and it appears my private details were improperly disclosed. \n\nXXXX. Violation of Privacy Protection Laws : The affidavit indicates that my personal information was discussed with a purported \" neighbor '' without my consent. This constitutes a violation of federal and state privacy laws, such as the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the disclosure of personal information to third parties. \n\n3. Misrepresentation and Lack of Transparency : At the time of this complaint, I have not been provided any direct information about the case despite multiple inquiries. I only became aware of this matter through calls from attorneys marketing their services and details obtained from the court clerk. \n\nXXXX. Evidence of Absence : In XX/XX/year>, I left out of the country for a family emergency and traveled via XXXX XXXX. This can be easily verified and serves as proof that I was not in the location they claim to have served me. \n\n\nApplicable Laws Violated : 1. Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.\n\nSection 805 ( b ) : Prohibits the communication of personal information to third parties without consent.\n\n2. Federal Rules of Civil Procedure ( Rule 4 ) : Requires service of process to be completed at the correct address and prohibits the submission of false affidavits of service. \n\n\nXXXX. State Laws on False Affidavits and Privacy Violations : Georgia law ( O.C.G.A. XXXX ) : Criminalizes filing false statements or documents in court. \n\n\nImpact : Filing false documents and violating privacy laws denies me the rights to a fair trial, undermine the sanctity of the court and consumer protection rights. Attorneys and law firms must be held to the highest standards of legal ethics, ensuring accuracy and compliance with applicable laws. \n\nRelief Sought : 1. Immediate investigation into the practices of Hayt, Hayt & Landau P.L. and Attorney XXXX XXXX. \n\n\nXXXX. Sanctions against the firm and attorney for filing false affidavits. \n\n\nXXXX. Compensation for damages caused by privacy violations and the distress caused by their unethical practices. \n\n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-21T01:59:20.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30101","tags":null,"has_narrative":true,"complaint_id":"10855226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2024-11-21T01:51:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["Attorneys and law firms must be held to the highest standards of legal ethics, ensuring accuracy and compliance with applicable laws. \n\nRelief Sought : 1. Immediate investigation into the practices of Hayt, Hayt & Landau P.L. and Attorney XXXX XXXX. \n\n\nXXXX. Sanctions against the firm and attorney for filing false affidavits. \n\n\nXXXX. Compensation for damages caused by privacy violations and the distress caused by their unethical practices. \n\n\nThank you for your attention to this matter."]},"sort":[10.497177,"10855226"]},{"_index":"complaint-public-v1","_id":"9709179","_score":5.7251835,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I requested disclosure of XXXX specific items and the accuracy of debt from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK N.A. \n\nI was certain that a company as big as CITIBANK N.A. and its upper management would have no problem following consumer protection laws and privacy rights while honoring my lawful request for disclosure and accuracy of debt. \n\nIt was also requested that all correspondences from XXXX XXXX, XXXX XXXX ( XXXX XXXX at Citi ), and XXXX XXXX ( XXXX ) of CITIBANK XXXX. arrive notarized under the penalty of perjury to ensure all information provided would be accurate and lawful. My lawful command was ignored. \n\nWhile XXXX XXXX ( XXXX ) of CITIBANK N.A. failed to respond, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) exclaimed verbatim, in a one-page letter, \" We found our actions on your account to be compliant with all applicable laws. '' How could XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. express that their actions were lawful while operating in default for failing a lawful request of XXXX items for disclosure and accuracy of debt? All the while CITIBANK N.A. continued to send baseless statements printouts and a redacted form as disclosure which is unlawful under the law. \n\nMore than half a year has passed without XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. fulfilling my lawful request for disclosure. This goes beyond the referenced \" reasonable timeframe '' under federal and state law, for companies to respond to such lawful requests. \n\nCompounding these violations, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. CITIBANK N.A. expected payment while in default, adversely impacting my credit score. It is illegal to expect payment without proving debt accuracy and fulfilling a disclosure request. \n\nIf XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. complied with federal and state consumer protection laws and privacy rights, they would have avoided reporting inaccurate information to my credit profile and unlawfully charging off the account during a pending request for debt verification and disclosure. \n\nThe closing of my charge account without warning and the subsequent charge-off of an unverified debt constitutes an adverse action, particularly given the account 's use for essential expenses. \n\nXXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. further violated federal and state consumer protection laws and privacy rights by not providing a 1099-C IRS document following the unlawful charge-off of the account referenced. This failure necessitates an audit by the IRS under Forms XXXX and XXXX, exploring the questionable practices of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A . \n\nAdditionally, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. improperly shared my sensitive personal information with XXXX third-party debt XXXX, specifically XXXX XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX XXXX of XXXX XXXX XXXX P.A XXXX \n\nXXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX unlawfully contacted me on XX/XX/XXXX. I noticed an immediate red flag upon opening the correspondence of XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX \n\nThe first page of XXXX XXXX XXXX XXXX Collections Supervisor ) of XXXX XXXX XXXX XXXX was a remittance coupon that could be fully indorsed and sold as a security or a negotiable instrument. The rest of the documents were the same baseless printouts with another redacted form which is unlawful for a disclosure. \n\nWhy was XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX attempting to collect a charged-off debt twice? XXXX times if you consider XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully charging off the account. \n\nIn response, I sent notarized affidavits of truth under the penalty of perjury, citing relevant state and federal laws, codes, and statutes, to XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX enforcing my protected consumer rights and privacy laws. \n\nIn addition, I continued to make a lawful request for disclosure of the thirteen ( XXXX ) items requested and the accuracy of the debt. XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. is grossly operating in default and has breached federal and state consumer protection laws and privacy rights. \n\nOn XX/XX/XXXX I received a notice from XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX expressing the \" account has been closed with ARS and returned to our client. If you wish to discuss this information, please contact CITIBANK N.A. '' XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX had no choice but to follow consumer protection laws and privacy right. My enforcement affidavits were key to shutting down XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX 's unlawful practices that seem commonplace within the XXXX umbrella and its leadership. \n\nAgain, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX. sending a remittance coupon for an unlawfully charged-off account, suggest an intent to endorse, trade, or sell the coupon as a security or negotiable instrument. This is highly unethical and raises serious legal concerns. \n\nEven with XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX finally realizing her unlawful practices and closing the unlawfully charged off account by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at Citi ) of CITIBANK N.A. , there still has to be accountability for all the unlawful violations conducted by XXXX XXXX XXXX \n\nXXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX actions constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. XXXX XXXX will also be named for all future state and federal adjudication as a defendant under the penalty of perjury for participating in XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A . unlawful actions that go against consumer protection laws and privacy rights. \n\nDespite these efforts, XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX has failed to provide the requested XXXX items for disclosure or evidence of the debt 's accuracy and is still operating in default unlawfully. Regardless of the account being closed with XXXX XXXX XXXX XXXX and returned to XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. \n\nNow we will address the second instance of XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. unlawfully forwarding my personal information to another third-party debt collector without proving the debt and providing me with my lawful request for disclosure. \n\nOn XX/XX/XXXX, I unlawfully received unauthorized correspondence from Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX He claimed he was not a third party and had all of the authority to contact me to collect this unproven debt. Yet when I requested Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. to provide evidence of his authority he grossly failed and continues to do so. \n\nAttorney XXXX XXXX XXXX of XXXX XXXX XXXX 's actions fall under deceptive practices and a gross breach of consumer protection laws and privacy rights. It also goes against Attorney XXXX XXXX XXXX 's code of conduct set by the Florida Bar. \n\nFurthermore, Attorney XXXX XXXX XXXX of XXXX XXXX XXXX. included a remittance coupon among his baseless printouts in hopes I had no idea how remittance coupons worked once indorsed. This action alone constitutes an audit by the Internal Revenue Service under forms XXXX and XXXX. It also warrants a formal complaint with the Florida XXXX. Why is Attorney XXXX XXXX XXXX attempting to collect a charged-off debt twice while failing to prove the accuracy? \n\nAttorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX has shown bad faith and a total disregard for consumer protection laws and privacy rights. He will be held accountable in federal and state court under the penalty of perjury where he and his colleague, XXXX XXXX XXXX, will be named defendants. \n\nAttorney XXXX XXXX XXXX of XXXX XXXX XXXX 's disregard for these laws was further evidenced by his continued contact after grossly failing the same disclosure demanded from XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A. and XXXX XXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX \n\nI had to remind Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that he is simply a third-party debt collector with absolutely no authority to contact me let alone unlawfully collect a charged-off debt twice. \n\nMy following action was to enforce the imposed cease and desist and insist Attorney XXXX XXXX XXXX of XXXX XXXXXXXX XXXX no longer contact me without providing a notarized disclosure along with the evidence that proves the accuracy of the debt. \n\nIs sending a remittance coupon a common practice for unlawful debt collectors? \n\nAs of today, XX/XX/XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK N.A., XXXX XXXX XXXX Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have knowingly broken consumer protection laws and privacy rights while continuing to operate in default. \n\nAll parties refuse to follow consumer protection laws and privacy rights and unlawfully will not disclose the items requested and evidence of the accuracy of debt notarized under the penalty of perjury. \n\nAll parties have imposed fines of {$200000.00} for their initial and continued violations while being fined daily for {$20000.00}, in perpetuity, until my lawful demand for disclosure is met and evidence of the accuracy of the debt is provided. All evidence must arrive notarized under the penalty of perjury via the United States Postal Service which is the only lawful way to contact me. \n\nI am fully prepared and intend to hold XXXX XXXX and XXXX XXXX ( XXXX XXXX at Citi ) of CITIBANK N.A., CITIBANK XXXX, XXXX XXXXXXXX ( Senior Collections Supervisor ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accountable in federal, and state court. In addition to filing formal public complaints with all federal and state regulatory agencies. \n\nI've attempted to settle this matter amicably for over half a year. \n\nI have provided an affidavit of truth, that was notarized under the penalty of perjury, to Attorney XXXX XXXX XXXX of XXXX XXXX XXXX, including all relevant enforcement laws. \n\nAttorney XXXX XXXX XXXX Attorney XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. \nXXXX, FL # Re : Default Notice for Failing Debt Validation and Demanded Full Disclosure, Enforcement of E-SIGN Act Rights, Legal Violations, Cease and Desist Command, and Increased Imposed Fines in Perpetuity Attorney XXXX XXXX XXXX, Once again, I am writing to formally request validation of the debt you claim I owe to CITIBANK, N.A., as required under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g. Specifically, I am demanding the following information notarized under the penalty of perjury : The original application ( both sides ) with wet signature, while not being redeemed with any bank.\n\nThe complete agreement and terms, including all amendments and modifications. \nEvidence of the monetary amount, including a detailed breakdown of the principal, interest, fees, and other charges. \nFull payment history. \nDocumentation showing the chain of ownership and assignment of the debt. \nEvidence that the original applicationwas n't soldas a security to any entity, including theSEC. \nThe name and address of the actual original creditor and not the entity pretending to be. \nEvidence that the statute of limitations on the debt in question has not expired. \nThe daily transaction report log for the application on the day of signing. \nA wet contract showcasing a binding legal agreement between ( my name ), Attorney XXXX XXXX XXXX, or CITIBANKN.A. \nA copy of any judgment, if applicable. \nProvide evidence that AttorneyXXXX XXXX XXXX is authorized to collect this debt, as well asall relevant documentation. \nCITIBANK N.A. 's public and private ledgers for the account.\n\nUnder 15U.S.C. 1692g ( b ), you must cease collection efforts until this debt is validated.\n\nAdditionally, you have failed to demonstrate that you have the authority to contact me or collect this charged-off debt. As such, I demand that you provide sufficient evidence of your authority to collect this debt on behalf of CITIBANK , N.A . Without such proof, your communications and collection efforts violate the FDCPA.Attorney XXXX XXXX XXXX, you aresimplya third party withabsolutelyno authority to contact me.You should actas such. \nFailure to Provide Full Disclosure and Debt Accuracy I must also address your continued failure to provide full disclosure and accuracy of the debt. The FDCPA, 15U.S.C. 1692e, prohibits using any false, deceptive, or misleading representations or means in connection with collecting any debt.\n\nFurthermore, the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq., mandates that all information reported to credit reporting agencies must be accurate and complete. Attorney XXXX XXXX XXXX and XXXXITIBANKN.A.have consistently failed to providecompleteand accurate disclosure of this debt, thereby violating boththe FDCPA and the FCRA. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A.have failed to ensure that all communications with me arrived notarized under the penalty of perjury, per my explicit instructions.This failureis in direct violation ofmy legal rights and the established protocols for debt collection communications.\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692e, it is prohibited to use any false, deceptive, or misleading representationin connection with the collection ofany debt.Furthermore, the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, prohibits debt collectors from engaging in abusive or deceptive practices.\n\nThe requirement for notarization under penalty of perjury ensures the authenticity and accuracy of the information provided, aligning with the Truth in Lending Act ( TILA ), 15U.S.C. 1601 et seq., which mandates clear and accurate disclosure of terms. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A. 'sdisregard for these instructions and legal requirements constitutes a serious breach of professional and ethical standards.\n\nUnlawful Obtaining of Personal Information I am also deeply concerned that youhaveunlawfully obtained my personal information without myexpressedpermission.Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. Attorney XXXX XXXX XXXX 's unauthorized acquisition of my personal information from CITIBANK N.A.is aseriousviolation ofmy privacy rights. Again, AttorneyXXXX XXXX XXXXXXXX and XXXXXXXX XXXX are third parties. \n\nAttorney XXXX XXXX XXXX, you have failed toprovide a comprehensive explanation ofhowyouunlawfully obtained mypersonal informationand what measures you have in place to ensure compliance with the GLBA and other relevant privacy laws.I did not authorize you to contact me. In addition, youwere not approvedto obtain my personal information. Your disregard for privacy laws is concerning.\n\nRequest for Electronic Records Under the E-SIGN Act Under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15U.S.C. 7001 et seq., I'm entitled to access electronic records associated with this account. The E-SIGN Act requires that consumersbe informedof their right to receive electronic records and their right to withdraw consent to receive electronic communications at any time ( 15U.S.C. 7001 ( c ) ( 1 ) ( B ) ) .Accordingly, I request access toallelectronic records and documentsrelated to this account, as itwas establishedelectronically.As a reminder, it must arrive notarized under the penalty of perjury.\n\nAdditional Legal Grounds Additionally, the following laws and regulations support my request for full disclosure and validation of the debt : Truth in Lending Act ( TILA ) : Under 15U.S.C. 1601 et seq., and Regulation Z, 12C.F.R. 1026, creditors are required to provide clear and accurate information about the terms and conditions of credit accounts, including the amount financed and the finance charges.\n\nUniform Commercial Code ( UCC ) : UnderUCC 3-501, a debtor has the right to demand presentation of the original instrument ( such as a promissory note ) to verify its authenticity and terms.\n\nCode of Federal Regulations ( CFR ) : Under 12C.F.R. 226.17, creditors must make disclosures clearly and conspicuously in writing, ensuring that consumers understand the terms of the debt. \n\nAttorney XXXX XXXX XXXX and CITIBANKN.A.are in clear violation ofthese consumer protection laws, codes, and statutes. It's becoming apparentthe disclosure I'm requesting might expose unlawful practices conducted by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, and CITIBANK N.A. \nFormal Complaint to the Florida Bar I am also notifying XXXX XXXX XXXX of XXXX XXXXXXXX XXXX. that I intend to file a formal public complaint with the Florida Bar regarding the unlawful conduct imposed on me. Attorney XXXX XXXX XXXX and CITIBANK N.A. 's failure to provide full disclosure, validate the debt, and furnish necessary documentation notarized raises concerns under the Florida Bar Rules of Professional Conduct, including but not limited to : Rule 1.1 - Competence : Failing to provide full disclosure and accurate information demonstrates a lack of competence.\n\nRule 1.3 - Diligence : The failure to respond within the granted time frame indicates a lack of diligence.\n\nRule 3.2 - Expediting Litigation : Your non-compliance hinders the expeditious resolution of this matter.\n\nRule 8.4 - Misconduct : Engaging in conduct that is prejudicial to the administration of justice, including failure to adhere to legal obligations and provide truthful, complete information. \n\nAttorney XXXX XXXX XXXX 's actions and omissions in handling this debt collection matter violate these rules. I expect AttorneyXXXX XXXX XXXX will take immediate action to rectify this situation and comply with all applicable laws and ethical standards. \nWaste of Resources on Irrelevant Printouts Attorney XXXX XXXX XXXX has also wasted an entireream ofprint paper on outdated and irrelevant printouts that fail to provide any substantive proof or validation of the debt in question.This actionnot onlydemonstrates a lack of respect for my request for full disclosure and accurate documentationbut alsoindicates a disregard for efficient and effective communication.Such behavior is unprofessional and does not align with the requirements set forth by the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692g, which mandates the provision of clear and accurate information regarding the debt.\n\nMoreover, the unnecessary use of resources reflects poorly on the ethical standards expected from legal practitioners and violates the principles of responsible and transparent debt collection practices. \nImposition of Fines andCease and Desist Due to your continued failure to follow my direct instructions and provide the required full disclosure, I am imposing a fine of {$200000.00} for failing to comply with my requests.All correspondence from Attorney XXXX XXXX XXXX was requestedto arrive notarized under the penalty of perjury. His failure to do so and his ongoing disregard for the law and my directives have left me no choice but to enforce these penalties. \n\nEffective immediately, I am issuing a cease and desist order.Youare expectedto halt all communicationsunless you furnish the full disclosure I am demanding notarized under the penalty of perjury.Any further correspondence with me that does not meet these conditions will be considered another gross violation of my consumer-protected rights and will incur an additional fine of {$200000.00}. \n\nAdditionally, please be aware that Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX XXXX. are accruing fines of {$10000.00} per dayuntil my demanded disclosureis metin full. Given Attorney XXXX XXXX XXXX and CITIBANKN.A. 'songoing disregard for the law and my direct instructions, these daily finesincreasedto {$20000.00} per day.\n\nPrivacy Act Compliance Under the Privacy Act of 1974, I demand that AttorneyXXXX XXXX XXXX comply with all regulations regardingthehandlingofmy personal information.This federal law governsthecollection, maintenance, use, and dissemination of personal informationby federal agenciesand establishes important privacy principles that must be adhered to. \n\nFlorida Consumer Collection Practices Act ( FCCPA ) Under the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, AttorneyXXXX XXXX XXXX is prohibited from engaging in abusive and deceptive practices. Please ensure that your collection practices fully comply with this statute. Failure to do so will result in additional legal action against AttorneyXXXX XXXX XXXX and XXXX XXXX XXXX \nFormal Complaint to the Florida Attorney General In addition to my complaint with the Florida Bar, I intend to file a formal complaint with the Florida Attorney General under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes Chapter 501, Part II. Attorney XXXX XXXX XXXX 's actions constitute unfair and deceptive practices, and I seek an investigation into Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 's unlawfulconduct. \nPublic Records Request Under Florida Statutes Chapter 119, I request access to any public records related to this debt collection matter.Thisincludes any documents, communications, or records held by public agencies that pertain to the account and Attorney XXXX XXXX XXXX 's unlawful collection efforts. \nConsumer Financial Protection Act ( CFPA ) Under the Consumer Financial Protection Act ( CFPA ), part of the XXXX XXXX XXXX Reform and Consumer Protection Act, I am entitled to protection from unfair, deceptive, or abusive acts or practices ( UDAAP ). \n\nGramm-Leach-Bliley Act ( GLBA ) Compliance Finally, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must explain their information-sharing practices and safeguard sensitive data. I expect AttorneyXXXX XXXX XXXX and CITIBANK N.A. to comply with all GLBA requirements for handling my personal information. Again, AttorneyXXXX XXXX XXXXwas never authorized to obtain my personal information without my expressed permission. CITIBANK N.A. is in clear violation of forwarding my sensitiveinformation to a third party.\n\nOpportunity to Settle Out of Court Despite the numerous violations and issues raised, I am willing to offer one opportunity to settle this matter out of court.I am open to discussing aresolution that is fair and just, provided that it includes full disclosure of the debt and compensation for the damages incurred due to Attorney XXXX XXXX XXXX, CITIBANKN.A., and XXXX XXXX. 'sunlawful actions and practices. \n\nShould you choose not to engage in a settlement discussion, be aware that this matter will escalate to federal and state court, where Attorney XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX P.A.ca n't evade being under the penalty of perjury. \n\nIf you choose tohave a discussion to settlethis matter out ofcourtsend me an affidavit of truth notarized under the penalty of perjury requesting to meet with me.Anything outsideofthat will be deemed another gross violation of my consumer rights and additional fines imposed. \n\nI do not expect to hear from Attorney XXXX XXXX XXXX again unless proceeding into federal and state adjudication. Attorney XXXX XXXX XXXX, CITIBANK N.A., and XXXX XXXX, XXXX. are currently operating in default, with fines increasingly imposed at {$200000.00} and daily penalties of {$20000.00} continuing indefinitely until they meet my lawful demands. \n\nAdjudication is inevitable, Attorney XXXX XXXX XXXX, unless you and CITIBANKN.A.settle this matter out of court.If we land in court, Attorney XXXX XXXX XXXX and XXXX XXXX XXXX willbe namedasDefendants, and both parties will have to answer questions under the penalty of perjury in state and federal court.\n\nYou can still expect that public complaints will be filed with, but not limited to, the following agencies : The Internal Revenue Service The Federal Trade Commission The Consumer Financial Protection Bureau The Florida Attorney General The Florida Bar If you fail to comply with the demands outlined herein, I reserve the right to pursue all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, attorney 's fees, and any other relief deemed appropriate by the court. This letter does not waive any rights or remedies I may have under federal or state law. \n\nYour office will receive this notarized affidavit under the penalty of perjury shortly.","date_sent_to_company":"2024-08-06T01:17:24.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32907","tags":null,"has_narrative":true,"complaint_id":"9709179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-05T23:48:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This is highly unethical and raises serious legal concerns."]},"sort":[5.7251835,"9709179"]},{"_index":"complaint-public-v1","_id":"2864512","_score":3.9655118,"_source":{"product":"Mortgage","complaint_what_happened":"ATTACHMENT 1 to Administrative Complaint Written Explanation of Facts With References to Attached Documentary Proof A. OVERVIEW 1. I, XXXX XXXX, and my family have lived in our home, located at XXXX XXXX XXXX, XXXX, CA, XXXX for more than 20 years. \n\n2. Back in XX/XX/XXXX, I was ensnared in a sub-prime, negative amortization refinance loan by XXXX, even though my credit score was over 820 at the time. \n\n[ ATTACHMENT 2, Certified Forensic Loan Audit ] 3. Then XXXX XXXX XXXX, ( XXXX ), claimed it took over my loan from XXXX, and XXXX gave me a sub-prime, negative amortization refinance loan, even though my credit score was about 820 at the time.\n\n[ ATTACHMENT 2, Certified Forensic Loan Audit ] 4. I faithfully paid my mortgage month after month and year after year, including up until the time that Fay Servicing , LLC, ( \" Fay '' ), began to service the loan in XX/XX/XXXX. However, the transfer in servicing from XXXX to Fay in XX/XX/XXXX is where the serious trouble began. \n\n[ ATTACHMENTS 3, 4 and 5, XXXX notice of Transfer from XXXX to Fay ; Fay notice of Transfer from XXXX to Fay ; Fay Debt Validation Notice ] 5. During Fay 's servicing tenure ( which continues ), I was subjected to, among other things, dual tracking, the mishandling of my account and modification applications, breaches of agreements, and debt collection violations. For example, between XX/XX/XXXX and XX/XX/XXXX, Fay prepared and sent ( or recorded ) numerous documents purporting to state the amount owed by me ( the loan status ), but these documents contained widely varying, inconsistent and truly inexplicable amounts : a. XX/XX/XXXX, Fay said the current amount owed was {$770000.00}, with {$5300.00} in monthly mortgage payments, ( Att. 2 ) ; b. XX/XX/XXXX, Fay said the past-due amount owed was now {$16000.00}, ( Att. 6 ) ; c. XX/XX/XXXX, Fay said the past-due amount owed was now {$21000.00}, ( Att. 7 ) ; d. XX/XX/XXXX, Fay said the past-due amount owed was {$21000.00}, ( Att. 8 ) ; e. XX/XX/XXXX, Fay said the past-due amount owed was now {$55000.00}, ( Att. 9 ) ; f. XX/XX/XXXX, Fay said the past-due amount owed was now {$65000.00}, ( Att. 10 ) ; g. XX/XX/XXXX, Fay said the past-due amount owed was now {$60000.00}, ( Att. 11 ) ; h. XX/XX/XXXX, Fay said the past-due amount owed was now {$71000.00}, ( Att. 12 ) ; i. XX/XX/XXXX, Fay said the past-due amount owed was now {$55000.00}, ( Att. 13 ) ; ( the same sum Fay claimed was owed on XX/XX/XXXX ( two months prior ). \nj. XX/XX/XXXX, Fay said the past-due amount owed was now {$77000.00}, ( Att. 14 ) ; k. XX/XX/XXXX, Fay said the past-due amount owed was now {$74000.00}, ( Att. 15 ) ; l. XX/XX/XXXX, Fay said the past-due amount owed was now {$87000.00}, ( Att. 16 ) ; m. XX/XX/XXXX, Fay said the past-due amount owed was now {$85000.00}, ( Att. 17 ) [ ATTACHMENTS 2-17 ] 6. Neither Fay nor any other entity has competent and reliable evidence to substantiate their claim that I defaulted on the loan or that they have the right to foreclose.\n\n7. Fay refused to accept payments from me not once but on two separate occasions, and Fay did this before the debt had been accelerated.\n\n[ ATTACHMENTS 18 & 19 ] 8. Fay offered me a foreclosure prevention alternative in writing in mid-XX/XX/XXXX, and gave me until XX/XX/XXXX to accept and move towards a permanent loan modification. \n\n[ ATTACHMENTS 20 & 21 ] 9. Rather than honor their promise, Fay instead caused a notice of default and election to sell to be signed and recorded with the County Recorder 's Office on XX/XX/XXXX, nearly a month before the XX/XX/XXXX, deadline to accept the foreclosure prevention alternative. \n\n[ ATTACHMENT 9 ] 10. So Fay misidentified the facts of my loan, the \they claim I owe, ( repeatedly ), wrongfully twisted me into what they claimed was a default on my loan, then, Fay offered me a modification that INCREASED my interest rate from about 4.00 % to over 6.78 %, that INCREASED my monthly payments from {$5300.00} to about {$6500.00}, ( an {$1100.00} increase ), and Fay recorded a Notice of Default almost a month before the time I had to accept this modification offer even expired.\n\n11. The fact that Fay servicing later rescinded the Notice of Default did not remedy the issue caused namely, the issue of making it impossible to accept the modification offer by recording a notice of default prior to the time I had to make a payment expired, thus bringing into play Fays own policies that PROHIBIT Fay from accepting anything but payment of all claimed arrears in full, ( meaning not just a monthly payment ), after they have recorded a Notice of Default.\n\n12. This all violates the express provisions of the Deed of Trust ( specifically paragraph 22 ) which states that the debt may not be accelerated until notice of intent to do so is given and the date specified in the notice has passed. This violates California law, Federal law and this violates the consent orders against Fay. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- B. FACTS AND DOCUMENTARY PROOF 13. The original issue was the illegal, sub-prime, negative amortization loan XXXX ensnared me in, despite my XXXX credit score. XXXX took over from there, and even with XXXX supervising the refinance, XXXX had me in a 5 year interest only loan, which again was a sub-prime, negative amortization loan, despite my XXXX credit score.\n\n[ ATTACHMENT 2 ] 14. I made every one of my monthly payments, and then XXXX issued me a letter dated XX/XX/XXXX, stating that the servicing rights had been sold to Fay Servicing , LLC. \n\n[ ATTACHMENT 3 ] 15. However, before I received the XX/XX/XXXX letter, I attempted to make the monthly payment to XXXX as I had every month for several years while XXXX serviced the loan, but XXXX refused to accept it, claiming it no longer serviced my loan. \n\n16. I was told by the XXXX representative that Fay was the new servicer of the loan, and provided me with a phone number to call. I called and the Fay representative told me they had no record of my loan and nothing that matched my account number.\n\n17. As of the point in time when XXXX wrongfully refused to accept my payment, my loan was current and not in default. \n\n18. Fay then sent me a debt validation notice dated XX/XX/XXXX, and a letter dated XX/XX/XXXX ( which I did not receive until almost a week later, and after XXXX had refused to accept my XX/XX/XXXX payment ), incorrectly identifying the date and loan number of my loan, stating my loan had been sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, as Legal Title Trustee ( XXXX ). \n\n[ ATTACHMENTS 4 and 5 ] 19. Fay 's statement was at odds with the information contained in the public property records, as no assignment from XXXX to XXXX existed. There was an assignment of the interests in the Deed of Trust alone, ( meaning, without any interests in the Promissory Note which the deed of trust purportedly secured ), from XXXX XXXX XXXX XXXX XXXX XXXX, as Nominee for XXXX XXXX XXXX XXXX XXXX, XXXX, its successors and assigns, which was recorded back in XXXX. \n\n[ ATTACHMENT 20, Assignment # 1 of only the Deed of Trust-XXXX to XXXX ] 20. Six months later than as represented by Fay Months later, on XX/XX/XXXX, an Assignment was finally executed, but the Assignment stated XXXX assigned the Deed of Trust alone and not any interests in the Promissory Note to the XXXX securitized trust. Worse, this Assignment was not recorded in the public property records of the XXXX XXXX County Recorders Office until XX/XX/XXXX. \n\n[ ATTACHMENT 21, Assignment # 2 of only the Deed of Trust, XXXX to XXXX ] 21. In a XX/XX/XXXX, dated letter to me with the title, Fair Debt Collection Practices Act ( FDCPA ) Validation Notice, Fay made the following statements : a. The letter reflected the \" amount of your debt as of XX/XX/XXXX '' ; b. It was \" collecting the debt on behalf of : XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, as Legal Title Trustee '' ; c. '' Current Monthly Payment Amount : {$5300.00} '' ; d. '' Escrow Balance : {$1400.00} '' ; e. '' Current Unpaid Accrued Interest : {$0.00} '' ; and f. '' Late Charges : {$0.00}. '' [ ATTACHMENT 5 ] 22. Notwithstanding the confusion, I arranged for, and Fay agreed to accept my monthly payments in the amount of {$5300.00} beginning on XX/XX/XXXX. I made these payments each month, working on a loan modification application with Fay.\n\n23. On XX/XX/XXXX, Fay wrote to me about my request for a loan modification stating that it had received the documentation I submitted that was associated with [ my ] Borrower Assistance Package, '' and went on to state that no other documents were needed at that time.\n\n[ ATTACHMENT 22 ] 24. Directly conflicting with Fay 's XX/XX/XXXX, letter just three weeks earlier, advising me that my modification application package was complete, on XX/XX/XXXX Fay wrote to me and informed me that after researching my account Fay determined that I \" did not qualify for a modification through the Making Home Affordable ( \" MHA '' ) modification program '' because of my \" failure to submit a completed initial package in the time-frame requested. '' [ ATTACHMENT 23 ] 25. Even worse, that very same day, ( XX/XX/XXXX ), Fay sent me another letter acknowledging its receipt of my prior submission of a Borrower Assistance Package and further acknowledging that Fay had told me previously that it had received all the necessary documentation to consider my modification request. Fay then directly contradicted this statement, and claimed that additional documents were actually required, and the documentation must be received by XX/XX/XXXX. \n\n[ ATTACHMENT 24 ] 26. On XX/XX/XXXX, Fay sent another letter to me, this one entitled \" NOTICE OF DEFAULT AND INTENT TO ACCELERATE ''. This letter stated that me was in default under my loan and that, as of that date, the total amount required to cure the default is {$21000.00} '' and that amount needed to be paid by XX/XX/XXXX. \n\n[ ATTACHMENT 8 ] 27. Characteristically there was no explanation as to how they planned to reconcile telling me categorically that I did not qualify for a modification because I had failed to timely submit the necessary documents, yet I previously had submitted all required documents and was simply waiting on an official determination of my eligibility from Fay, and further, that I was in default now, by over {$20000.00}, and must pay immediately.\n\n28. On XX/XX/XXXX Fay sent me another letter, this one notifying me that it would not accept payments on my account because my account was \" in an active pre foreclosure or foreclosure status. '' Along with this letter, Fay returned to me the cashier 's check for {$5300.00} I had sent in XX/XX/XXXX. \n\n[ ATTACHMENT 18 ] 29. On XX/XX/XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX, its Attorney In Fact, executed a Corporate Assignment of Deed of Trust ( \" ADOT2 '' ). By way of this document, XXXX purported to assign the Deed of Trust, but not the Promissory Note to XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX as Legal Title Trustee. The ADOT2 was not recorded with the XXXX XXXX County Recorder 's Office until XX/XX/XXXX. \n\n[ ATTACHMENT 21 ] 30. On XX/XX/XXXX Fay sent me another letter, this one acknowledging receipt of my loan modification documentation and stating affirmatively yet again that it had \" determined that [ my ] Loss Mitigation Application is complete .... Fay further stated it would evaluate my application and notify me of its determination within thirty days of its receipt of the application.\n\n[ ATTACHMENT 25 ] 31. On XX/XX/XXXX, Fay sent a letter to me acknowledging I had written and expressed concern about an error in the servicing of my account, and that Fay would respond within 30 days with its resolution. \n\n[ ATTACHMENT 26 ] 32. On XX/XX/XXXX, Fay sent me another letter which purported to recap a series of communications with me regarding my loan modification request. This letter acknowledged receipt my loss mitigation package on XX/XX/XXXX, stated that Fay had sent an incomplete package notice on XX/XX/XXXX, and that Fay had received the documents from me and thereafter acknowledged this in a \" Complete Package Notice '' dated XX/XX/XXXX. However, Fay then contradicted this stating in the same XX/XX/XXXX, letter that Fay actually did not have a complete package and that it had sent notice of such on XX/XX/XXXX, but that Fay then did receive the requested documents from me on XX/XX/XXXX. Finally, this letter said I should allow thirty days for the evaluation to be completed and an \" Evaluation Letter '' sent.\n\n[ ATTACHMENT 27 ] 33. On XX/XX/XXXX, I Fay sent me two separate letters. In the first, Fay thanked me for contacting it about my mortgage, stated that I was \" eligible for a Fay Servicing Short Sale, '' and further stated that the offer must be accepted by XX/XX/XXXX. \n\n34. This letter and its claims of a short sale were materially false. The value of my property exceeded the amount owed, and this fact alone makes a short sale impossible. However, this letter demonstrates Fay 's consistent and characteristically slip-shod and indifferent manner in which Fay serviced my loan.\n\n[ ATTACHMENT 28 ] 35. In the second, Fay falsely alleged difficulties in communicating with me. Fay said that it had \" attempted to contact [ me ] by first class mail and on at least three occasions by phone to discuss and assess your financial situation and to explore options that may be available to you to avoid foreclosure. Despite these attempts, [ Fay ] have been unable to contact [ me ] as of this date. '' This was patently untrue as I had been in repeated contact with Fay about my loan, with Fay literally acknowledging an active communication stream of written documents from and to me.\n\n[ ATTACHMENT 29 ] 36. These letters are clear proof of Fay unnecessarily and baselessly pushing and pulling me in multiple and contradictory directions, causing confusion, ambiguity and uncertainty for me and my family and we desperately have been working to RESOLVE our home loan issues. \n\n37. On XX/XX/XXXX, XXXX authored a letter to me. The letter stated that XXXX had been \" authorized by the Servicer/Creditor to initiate foreclosure of a Deed of Trust associated with a real property loan and stated that the current creditor to whom the Debt was owed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX, AS LEGAL TITLE TRUSTEE. Further, that the loan is being serviced by FAY SERVICING LLC. '' ( Emphasis is original ). The letter went on to state that \" [ w ] e have been advised by our client that the amount of the debt as of the date of this Notice according to the records of our client is {$790000.00}. '' Further, that as of the date of the letter, the purported owner of my loan was the XXXX securitized trust, not the USROF securitized trust which Fay previously stated and which was on the officially recorded Assignments of Deed of Trust in the County Recorders office.\n\n[ ATTACHMENT 30 ] 38. On XX/XX/XXXX, Fay sent me another entitled \" Notice of Sale of Ownership of Mortgage Loan, '' stating that my loan had been sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\n[ ATTACHMENT 31 ] 39. Again this information is contrary to the public records indicating that as of this date the purported legal owner of my loan was the XXXX XXXX securitized trust, not the USROF securitized trust. \n\n40. On XX/XX/XXXX, in response its XX/XX/XXXX letter and within the time for doing so as stated therein, my attorney wrote to XXXX disputing the nature, extent and validity of the alleged debt. \n\n[ ATTACHMENT 32 ] 41. Attempting to fix the record title, a third Assignment was executed on XX/XX/XXXX, purporting to assign the Deed of Trust, ( but not the Promissory Note ), from XXXX XXXX to XXXX XXXX XXXX XXXX, ( hereinafter, XXXX XXXX ), with this third Assignment recorded in the public land records of the XXXX XXXX County Recorders Office on XX/XX/XXXX. \n\n[ ATTACHMENT 33, Assignment # 3 of only the Deed of Trust, XXXX to XXXX XXXX ] 42. Fay then sent me a letter dated XX/XX/XXXX. This letter \" congratulated '' me on being \" approved to enter into a trial period plan under the XXXX XXXX. '' Fay had finally approved a loan modification and foreclosure prevention alternative for me, presumably with the approval of whomever was the legal owner of the loan at that time. According to Fay 's letter, in order to accept the offer, me had to make a payment of {$5600.00} by XX/XX/XXXX, and then had to make two more payments of the same amount on XX/XX/XXXX and XX/XX/XXXX, at which point I would \" qualify for a permanent modification .... '' ( emphasis in original ). \n\n[ ATTACHMENT 34 ] 43. But Fay contradicted itself once again for in another part of the same letter, Fay said ACT NOW TO AVOID FORECLOSURE! MAKE YOUR TRIAL PERIOD PAYMENT NO LATER THAN : XX/XX/XXXX! ( emphasis in original ). The letter continued, cautioning me that If each trial period payment is not received by Fay Servicing , LLC in the month in which it is due, your loan will not be modified under the terms described in this offer. '' ( italics added ). Thus, according to the plain and express written terms of the Fay offer, I had until XX/XX/XXXX, to make the first trial period payment. \n\n[ ATTACHMENT 34 ] 44. Notwithstanding Fay 's XX/XX/XXXX letter offering me a foreclosure prevention alternative ( a trial period plan ), and before the XX/XX/XXXX deadline for the first payment, on XX/XX/XXXX, XXXX executed a Notice of Default and Election to Sell Under Deed of Trust ( NOD1 ).\n\n[ ATTACHMENT 9 ] 45. XXXX executed the NODl despite having been put on notice months earlier that I disputed the nature, extent and validity of the alleged debt and that there were questions about the documentation and information regarding the transfers, sales and assignments of both the note and deed of trust for my loan. \n\n[ ATTACHMENTS 2-17 and 32 ] 46. The NOD1 was recorded on XX/XX/XXXX at XXXX XXXX, stated I owed the sum of {$55000.00} as of XX/XX/XXXX, and was accompanied by a Declaration of Compliance under Civil Code 2923.55 ( c ) executed by Fay on XX/XX/XXXX, which falsely certified that Fay had contacted the me to assess my financial situation and to explore options for avoiding foreclosure and that at least thirty days had passed since the initial contact was made.\n\n[ ATTACHMENT 9 ] 47. XX/XX/XXXX, Fay sent me another letter contradicting their trial plan offer. This letter stated that my loss mitigation package was incomplete, and that I had until XX/XX/XXXX, to provide the requested documents. \n[ ATTACHMENT 35 ] 48. Fay then sent me a mortgage statement dated XX/XX/XXXX which stated the total amount due was {$65000.00}. \n\n[ ATTACHMENT 10 ] 49. On XX/XX/XXXX, Fay sent another letter to me. Fay now stated that its records showed my loan was past due and that I needed to pay {$60000.00}.\n\n[ ATTACHMENT 11 ] 50. Fay sent me a mortgage statement dated XX/XX/XXXX and therein stated the total amount due was {$71000.00}. \n\n[ ATTACHMENT 12 ] 51. On XX/XX/XXXX, XXXX XXXX, on behalf of XXXX, signed another Notice of Default and Election to Sell Under Deed of Trust, which was recorded with the XXXX XXXX County Recorder 's Office on XX/XX/XXXX ( the \" NOD2 '' ). NOD2 was accompanied by the very same Declaration of Compliance which had accompanied NOD1.\n\n[ ATTACHMENT 13 ] 52. Although impossible, NOD2 said that as of XX/XX/XXXX ( nearly two months after the date in NODI ), me owed the sum of $ XXXX-the exact same figure alleged to have been owed two months earlier, and an amount less than those stated in Fay 's XX/XX/XXXX letter and Fay 's XX/XX/XXXX mortgage statement. \n\n[ ATTACHMENT 13 ] 53. In an undated letter ( the envelope for which was postmarked XX/XX/XXXX ), Fay informed me that my mortgage had been referred to foreclosure proceedings and the letter was being sent \" to comply with the requirements of California Civil Code 2924.9. '' [ ATTACHMENT 36 ] 54. On XX/XX/XXXX, XXXX XXXX, on behalf of XXXX, signed a Notice of Rescission of Notice of Default ( \" NORI '' ) which was recorded with the XXXX XXXX County Recorder 's Office on XX/XX/XXXX, and pursuant to which NODI was rescinded. No one provided me with a copy of NORI, nor did they otherwise advise me that NOD1 had been rescinded.\n\n[ ATTACHMENT 37 ] 55. That same day, ( XX/XX/XXXX ), XXXX XXXX, on behalf of XXXX, signed a Notice of Rescission of Notice of Default ( \" NOR2 '' ) which was recorded with the XXXX XXXX County Recorder 's Office on XX/XX/XXXX and pursuant to which NOD2 was rescinded. No one provided me with a copy of NOR2, nor did they otherwise advise me that NOD2 had been rescinded.\n\n[ ATTACHMENT 38 ] 56. Fay then sent me a mortgage statement dated XX/XX/XXXX which said the total amount due was $ XXXX-an increase of more than {$20000.00} since NOD2 was issued just eighteen ( 18 ) days earlier.\n\n[ ATTACHMENT 14 ] 57. On XX/XX/XXXX, XXXX XXXX, on behalf of XXXX, authored a letter to me. The letter stated that XXXX had been \" authorized by the Servicer/Creditor to initiate foreclosure of a Deed of Trust associated with a real property loan '' and stated that the \" current creditor to whom the Debt was owed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX, AS LEGAL TITLE TRUSTEE. The loan is being serviced by FAY SERVICING LLC. '' ( Emphasis is original ). The letter went on to state that \" We have been advised by our client that the amount of the debt as of the date of this Notice according to the records of our client is {$810000.00}. '' [ ATTACHMENT 39 ] 58. The next day, XX/XX/XXXX, Fay sent me a letter entitled \" NOTICE OF DEFAULT AND INTENT TO ACCELERATE ''. This letter stated that I was in default under my loan and that, as of that date, the total amount required to cure the default is {$74000.00} '' and that amount needed to be paid by XX/XX/XXXX. ( Id. ) [ ATTACHMENT 15 ] 59. Previously Fay had stated in its XX/XX/XXXX mortgage statement that the amount due was {$77000.00}. \n\n[ ATTACHMENT 14 ] 60. This discrepancy in correspondence separated by thirteen ( 13 ) days was, as was Fay 's normal business practices, ( at least regarding me and my loan ), and like the other serious issues in their recitation of the facts, this grievous error was also left unexplained.\n\n61. On XX/XX/XXXX, Fay sent me another letter, this one notifying me that it would not accept payments on my account because my account was \" in an active pre foreclosure or foreclosure status. '' Along with this letter, Fay returned to me the check for {$5300.00} I had sent to Fay in XX/XX/XXXX. \n\n[ ATTACHMENT 19 ] 62. On XX/XX/XXXX, XXXX XXXX, on behalf of XXXX, signed another Notice of Default and Election to Sell Under Deed of Trust, which was recorded with the XXXX XXXX County Recorder 's Office on XX/XX/XXXX ( the \" NOD3 '' ). \n\n[ ATTACHMENT 17 ] 63. NOD3 was accompanied a Declaration of Compliance under Civil Code 2923.55 ( c ) executed by Fay on XX/XX/XXXX and certifying that Fay had contacted the me to assess my financial situation and to explore options for avoiding foreclosure and that at least thirty days had passed since the initial contact was made. NOD3 stated that the amount due as of XX/XX/XXXX was {$85000.00}. Id. \n\n64. This contradicted the Statement from Fay dated the same day, ( XX/XX/XXXX ), which claimed the past-due amount was {$87000.00} [ ATTACHMENT 16 ] 65. On XX/XX/XXXX, a Consent Order was entered against Fay as part of a proceeding before the United States Consumer Finance Protection Bureau ( the \" Consent Order '' ).\n\n[ ATTACHMENT 40 ] 66. The Consent Order grew out of the Consumer Finance Protection Bureau 's ( \" CFPB '' ) review of Fay 's mortgage serving practices, more specifically Fay 's handling of loan modification applications and its compliance with various laws enacted to protect borrowers. The results of the CFPB 's investigation revealed numerous violations of law and either an absence of or inadequate guidance given to Fay 's personnel with regard to how to handle loss mitigation applications such as those for a loan modification. ( Id. ) 67. Among other violations, the CFPB found that Fay routinely failed to send or to timely send borrowers acknowledgment notices in response to loan modification applications, failed to send or to timely send borrower 's evaluation notices within thirty days of its receipt of a loan modification package and failing to provide borrowers with the information necessary to provide any allegedly missing or additional documents or information the borrower needed to submit to complete the modification application. Id.\n\n68. Fay is currently attempting to sell my home, with a pending Trustees Sale.\n\n[ ATTACHMENT 41 ] 69. I have filed suit in Court, I obtained a Temporary Restraining Order to stop the sale, but the trial court denied issuing a Preliminary Injunction. My attorney has filed an interlocutory appeal, but a writ of supersedes, to stay the sale, was recently denied by the Court of Appeal.\n\n70. Fay successfully argued that it corrected and remedied the California Homeowners Bill of Rights Act violation by rescinding the Notice of Default. \n\n71. Thought it may have corrected the issue, it did not, and could not remedy the issue.\n\n72. Fay prevented me from even attempting to accept their, ( what is actually unconscionable ) modification offer. Their servicing practices, as evidenced by the facts, violate both State and Federal law, and require intervention on an Administrative level.\n\n73. To underscore the problem, in response to my attorneys dispute of the debt alleged, two separate versions of my Promissory Note were produced. \n\n74. The first shows the Promissory Note with an Endorsement signed on behalf of XXXX XXXX XXXX, but the endorsement is in blank. \n\n[ ATTACHMENT 42 ] 75. The second shows the Promissory Note with the XXXX XXXX XXXX, marked, VOID, and a Assistant Secretary Certificate is attached, proclaiming that : a. XXXX XXXX was a name used by XXXX XXXX XXXX. ; b. XX/XX/XXXX, XXXX XXXX, XXXX, changed its name to XXXX XXXX, XXXX. ; c. Effective XX/XX/XXXX, XXXX XXXX, XXXX, converted to XXXX XXXX, XXXX ; d. Effective XX/XX/XXXX, XXXX XXXX, XXXX, converted to XXXX XXXX, XXXX, then immediately thereafter, merged with and into XXXX XXXX XXXX, XXXX. \n\n[ ATTACHMENT 43 ] 76. This Certified representation affixed to the Promissory Note is false, fraudulent, and potentially criminal.\n\n77. XXXX XXXX XXXX, XXXX, created a subsidiary, the XXXX XXXX XXXX XXXX, and through the Securities and Exchange Commission public filings, caused XXXX XXXX XXXX to merge with XXXX XXXX XXXX XXXX. As stated in the filings : AGREEMENT AND PLAN OF MERGER, dated as of XX/XX/XXXX ( this Agreement ), among XXXX XXXX XXXX, a Delaware corporation ( Company ), XXXX XXXX XXXX XXXX, a Delaware XXXX ( Parent ), and XXXX XXXX XXXX XXXX, a Delaware XXXX and wholly-owned subsidiary of Parent ( Merger Sub ). \n\n1.1 The Merger. ( a ) Subject to the terms and conditions of this Agreement, in accordance with the Delaware XXXX XXXX XXXX ( the DGCL ) and the Delaware Limited Liability Company Act ( the DLLCA ), at the Effective Time, Company shall merge with and into Merger Sub. Merger Sub shall be the Surviving Company in the Merger and shall continue its existence as a limited liability company under the laws of the State of Delaware. As of the Effective Time, the separate corporate existence of Company shall cease.\n\n1.6 Certificate of Formation and Limited Liability Company Agreement of the Surviving Company. At the Effective Time, the certificate of formation of Merger Sub shall, by virtue of the Merger, be amended and restated in its entirety to read as the certificate of formation of Merger Sub in effect immediately prior to the Effective Time, except that Item 1 thereof shall read as follows : The name of the limited liability company is XXXX XXXX XXXX, and as so amended, shall be the certificate of formation of the Surviving Company until thereafter amended in accordance with applicable law. The limited liability company agreement of Merger Sub, as in effect immediately prior to the Effective Time, shall be the limited liability company agreement of the Surviving Company until thereafter amended in accordance with applicable law and the terms of such limited liability company agreement.\n\n[ ATTACHMENTS 44 & 45 ] This is all stated simply as follows : XXXX XXXX XXXX shall merge with and into XXXX XXXX XXXX XXXX. \n\nXXXX XXXX XXXX XXXX shall be the Surviving Company, however, XXXX XXXX XXXX XXXX shall change its name, effective upon the merger, to XXXX XXXX, XXXX. \n\n78. The SEC Records themselves even show XXXX XXXX, XXXX, to be a simple subsidiary of XXXX XXXX XXXX, XXXX. \n\n[ ATTACHMENT 46 ] 79. Please help me and my family save our home of over 20 years from this blatantly wrongful, unlawful, and potentially criminal activity of Fay Servicing , LLC.","date_sent_to_company":"2018-04-04T16:15:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"91356","tags":null,"has_narrative":true,"complaint_id":"2864512","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2018-04-04T15:18:57.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The letter reflected the \" amount of your debt as of XX/XX/XXXX '' ; b. It was \" collecting the debt on behalf of : XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX, as Legal Title Trustee '' ; c. '' Current Monthly Payment Amount : {$5300.00} '' ; d. '' Escrow Balance : {$1400.00} '' ; e. '' Current Unpaid Accrued Interest : {$0.00} '' ; and f. '' Late Charges : {$0.00}. 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