{"took":318,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":83,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4761489","_score":17.61487,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following XXXX  compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. XXXXPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the XXXX  regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs XXXX-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers. \nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-3669 Account XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\nXXXX. The Bank stated that there are no funds available in the XXXX CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T21:30:50.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T21:25:44.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following XXXX  <em>compliance</em> <em>program</em> requirements and <em>knowing</em> their <em>customer</em> 's financial affairs."]},"sort":[17.61487,"4761489"]},{"_index":"complaint-public-v1","_id":"4761328","_score":17.611145,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"JPMORGAN CHASE BANK did not return all of the recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfbp complaint # XXXX. JPMORGAN CHASE BANK stated that there are no more funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. JPMORGAN CHASE BANK showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs system of internal controls did not effectively identify or address the KYC related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. JPMORGAN CHASE BANKs management was ineffective in overseeing JPMORGAN CHASE BANKs day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. JPMORGAN CHASE BANKs KYC-related deficiencies demonstrate that JPMORGAN CHASE BANKs compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. JPMORGAN CHASE BANK did not detect or investigate suspicious activities to determine whether XXXX filings were appropriate. JPMORGAN CHASE BANK failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, JPMORGAN CHASE BANK failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. JPMORGAN CHASE BANK failed to know their customer 's financial affairs in terms of source of income. JPMORGAN CHASE BANK failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. JPMORGAN CHASE BANK did not collect or maintain sufficient information about its banking customers.\n\nIn conclusion, JPMORGAN CHASE BANK engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nThe Bank 's failure to comply with these regulations caused substantial distress for the unaware customers falling into the investment scam operated by the Banks customers. \n\nJPM Chase Bank responded to XXXX handling the recall of my funds wired out from my XXXX account into two JPM Chase Banks customer fraudulent accounts returning only {$100000.00} out of {$230000.00} as follows : 1. The Bank recognized the problem returning partially {$100000.00} out of {$200000.00} wire transferred to JPMORGAN CHASE BANK, NA-XXXX  Account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX stating that the rest of the funds are gone. \n\n2. The Bank stated that there are no funds available in the JPMORGAN CHASE BANK, NA account XXXX for XXXX XXXX at XXXX XXXX, FL XXXX where I wire transferred {$39000.00} ; therefore, the Bank refused to return lost funds.","date_sent_to_company":"2021-09-28T20:04:18.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-09-28T19:52:43.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["JPMORGAN CHASE BANK showed deficiency in following KYC <em>compliance</em> <em>program</em> requirements and <em>knowing</em> their <em>customer</em> 's financial affairs."]},"sort":[17.611145,"4761328"]},{"_index":"complaint-public-v1","_id":"4761427","_score":17.274996,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PNC BANK , NATIONAL ASSOCIATION - XXXX did not return recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfpb complaint # XXXX. PNC BANK , NATIONAL ASSOCIATION - XXXX stated that there are no funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX system of internal controls did not effectively identify or address the XXXX  related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. PNC BANK , NATIONAL ASSOCIATION - XXXX management was ineffective in overseeing PNC BANK , NATIONAL ASSOCIATION - XXXX day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX XXXX-related deficiencies demonstrate that PNC BANK , NATIONAL ASSOCIATION XXXX XXXX compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. PNC BANK , NATIONAL ASSOCIATION - XXXX did not detect or investigate suspicious activities to determine whether SAR filings were appropriate. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, PNC BANK , NATIONAL ASSOCIATION - XXXX failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to know their customer 's financial affairs in terms of source of income. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. PNC BANK , NATIONAL ASSOCIATION - XXXX did not collect or maintain sufficient information about its banking customers. \nIn conclusion, PNC BANK , NATIONAL ASSOCIATION - XXXX engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. \n\nPNC BANK , NATIONAL ASSOCIATION - XXXX responded to XXXX handling the recall of my funds that there are no funds available in the account from {$60000.00} wired out of my XXXX account into PNC BANK , NATIONAL ASSOCIATION - XXXX, account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX.","date_sent_to_company":"2021-09-28T21:56:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"4761427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-09-28T21:51:32.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC <em>compliance</em> <em>program</em> requirements and <em>knowing</em> their <em>customer</em> 's financial affairs."]},"sort":[17.274996,"4761427"]},{"_index":"complaint-public-v1","_id":"16318270","_score":15.475952,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year> I proactively informed XXXX XXXX that I had lost my job of 8 years and requested hardship assistance. Instead, I was told by XXXX XXXX ( Customer Service Manager ) that \" the system does not allow '' them to stop charging late fees, and that no hardship options exist and she made it a point to tell me that no exceptions to my account will occur That is not an acceptable resolution. Other lenders offer temporary programs, yet XXXX  refuses and continues to pile on fees while stonewalling me. As a manager, she should be consulting with the higher ups, but of course she refuses and gives canned responses.\n\nI have now filed multiple complaints with CFPB, XXXX, and other authorities, yet XXXX  response remains dismissive and repetitive. They even had the audacity to ask me to mark a XXXX complaint as \" resolved, '' despite offering no real help. This shows clear bad faith. \n\nXXXX is doing a good job of stalling and pushing me into delinquency on purpose, ignoring my rights for written communication only, and failing to escalate to compliance/legal despite knowing I have filed with regulators. This is unethical and unacceptable. I am documenting each email and filing to show their pattern of behavior.","date_sent_to_company":"2025-10-02T20:49:26.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16318270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prog Holdings, Inc.","date_received":"2025-10-02T20:43:45.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX is doing a good job of stalling and pushing me into delinquency on purpose, ignoring my rights for written communication only, and failing to escalate to <em>compliance</em>/legal despite <em>knowing</em> I have filed with regulators. This is unethical and unacceptable. I am documenting each email and filing to show their pattern of behavior."]},"sort":[15.475952,"16318270"]},{"_index":"complaint-public-v1","_id":"1941862","_score":13.277976,"_source":{"product":"Bank account or service","complaint_what_happened":"I opened a XXXX Checking account with special offer code XXXX ... for which the offer was that after specific transactions were completed I receive XXXX mile credited to XXXX XXXX Advantage Account. \nI called in to open the account and specifically requested this special offer to the Customer Service Rep who opened the account with NO issues and NO disclosure that this offer was \" targeted ''. The welcome book sent for new account opening even has the disclosure for the special offer program with the terms and conditions provided. \nOnce I completed the necessary transactions I requested the Citibank validate the completion and provide an indication on the timeframe of the credit going into my XXXX Advantage account. I received an email back from Citibank indicating I was n't eligible for this promotional offer as it \" targeted '' and they would NOT award me the points. At NO time during the opening of the account did the Customer Service Representative indicate this was a targeted offer and that I was not eligible to open account. The account is a high monthly fee service charge of $ XXXX/mo. \nI opened an investigation into the issue, knowing that this is n't \" fair '' and certainly appears to be a \" bait and switch '' marketing tactic. \nCitibank responded to the investigation requesting I provide the source of the special offer, which I believe was on the XXXX XXXX website in XXXX 2015. I was searching the internet to see if I could locate where I may have run across this offer, when I saw numerous reports and complaints filed with the CFPB over the same special offer that Citibank was refusing to deliver on the special offer of XXXX miles for XXXX XXXX. \nThis is very concerning that such a large institution as Citibank is not standing behind their marketing campaign 's, allowing consumers to open checking accounts under false pretenses/expectations. \nTo make matters even more frustrating a family member of mine that that lives at the same address opened the same account with the same promotional offer and has received his miles credited to his XXXX XXXX account. At no point did he receive any push back Citibank indicating he was n't eligible since the offer was targeted. \nThis feels like discrimination and that Citibank does n't have compliance controls in place to regulate these accounts to insure fair treatment of all customers.","date_sent_to_company":"2016-05-25T15:09:17.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"816XX","tags":null,"has_narrative":true,"complaint_id":"1941862","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-05-25T15:09:17.000Z","state":"CO","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":["This feels like discrimination and that Citibank does n't have <em>compliance</em> controls in place to regulate these accounts to insure fair treatment of all <em>customers</em>."]},"sort":[13.277976,"1941862"]},{"_index":"complaint-public-v1","_id":"9334750","_score":12.302858,"_source":{"product":"Mortgage","complaint_what_happened":"I have a mortgage that originated with XXXX XXXX XXXX. It was sold to Chase Bank. I received letters in the mail that Chase had acquired my mortgage. Then I got a letter in the mail that XXXX XXXX XXXX XXXX XXXX purchased my mortgage. Then I received another letter that Chase is just the \" servicer '' of the loan. \n\nI have reduced pay for a few months and am struggling to make my bills. So I called Chase to discuss forbearance or deferment for my existing mortgage for XXXX and XXXX to help me get through this difficult financial period as a woman who just bought a home at XXXX last year with a XXXX. \n\nThe woman, named \" XXXX '' on the line straight out lied to me on the phone and said \" We do not have these options at Chase ''. This upset me as all mortgage companies have relief programs to help struggling homeowners. So I asked to speak to a supervisor. She also told me the same false information. They also are illegally asking me to use PDF XXXX which is no longer free software to use and a third party to fill out a from asking for relief. I asked for the regular online form without this software and they said we don't have it. I do not bank with Chase and do not want to. I do not physically go into banks. I do not own a home phone or fax machine. They are using antiquated technology such as fax from XXXX when literally everything can be electronically signed with XXXX and other electronic signatures knowing this will create a hardship for customers to physically have to locate a fax machine or find a Chase branch with hours available for public, which are rare. \n\nSo I demanded to know who my actual mortgage owner was, and they gave me a hard time and took forever. I looked up on XXXX XXXX website and it stated they do not own my mortgage. So I asked Chase who did and they said XXXX XXXX. I got off the phone with them and called XXXX XXXX I spoke to a XXXX. She stated that XXXX XXXX does have forbearance and deferment programs which I saw online too. Chase flat out lied and never told me these programs exist. \n\nI was told that I qualify for forbearance for XXXX months and that Chase will process it. Today, a XXXX from XXXX XXXX called me and said they do have the program and Chase needed a real good reason to deny me which again is different than what the other woman said from XXXX XXXX yesterday. \n\nSo I am formally requesting that Chase be reported to the federal government for lying to a customer which is fraud. I am requesting that Chase is no longer my servicer through whatever process necessary for committing fraud and lying about products that could help me stay in my home and not lose it. \n\nI am also requesting that the CFPB discuss with Chase the laws about not lying to customers and working with them to help them qualify for programs meant and intended for people like me. I am also wanting all government agencies who read this for data purposes to know how Chase behaved in an era where so many people are struggling financially with soaring inflation. I am also wanting to have Chase reported to all existing state and federal agencies that oversee mortgages to make sure they are in compliance with how they are treating a woman with a XXXX over the age of XXXX in XXXX protected classes. \n\nI am in danger of losing my home I just bought 1 year ago because Chase is making it difficult on me. This is illegal, unethical and morally reprehensible for a company to treat me this way. Here is a link to prove that XXXX XXXX has a forbearance plan. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAccording to the plan it states : \" Forbearance A plan that allows for reduced or suspended mortgage payments for a designated period of time. '' \" Length Up to six months with the initial offer. Extension ( s ) may be granted thereafter. Shorter terms with extensions of the forbearance may be beneficial to the homeowner. '' So Chase lied about this program to me as well as a supervisor after. \n\nI am requesting that every single government agency that oversees mortgages process my case so Chase is held accountable. I just got off the phone with XXXX XXXX and they said their next move is to speak to Chase to process this. Or have a good reason why they will not help me struggling as a woman with a XXXX over XXXX. I am also reporting them to the government for lying to me. \n\nAction requested : Put me in a forbearance for XXXX and XXXX of XXXX and work with me after to either put the payments in deferment on the back of the loan or make a payment plan where I pay extra each month starting in XXXX to pay back the two months in forbearance. This is a normal and reasonable request that Chase should have no problem fulfilling for a woman with a XXXX over XXXX. Please send this case information on to the federal government for oversight on mortgages.","date_sent_to_company":"2024-06-25T17:36:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"9334750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-06-25T17:09:27.000Z","state":"MI","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["They are using antiquated technology such as fax from XXXX when literally everything can be electronically signed with XXXX and other electronic signatures <em>knowing</em> this will create a hardship for <em>customers</em> to physically have to locate a fax machine or find a Chase branch with hours available for public, which are rare. \n\nSo I demanded to know who my actual mortgage owner was, and they gave me a hard time and took forever."]},"sort":[12.302858,"9334750"]},{"_index":"complaint-public-v1","_id":"12758619","_score":9.492158,"_source":{"product":"Debt collection","complaint_what_happened":"The draft note tendered by Plaintiff pursuant to UCC 3-311 was deposited and processed by Bank of America , acting as the depository and collateral agent under contract with the New York State Office of the State Comptroller ( NYS OSC ), Contract No. XXXX. This note was accompanied by a letter of Accord & Satisfaction explicitly referencing the disputed account and was clearly marked as a settlement instrument.\n\nXXXX  accepted the instrument, and Bank of America processed the deposit on behalf of the state-managed accountAccount No. XXXX, linked to File XXXX. XXXX, a dedicated remittance account governed by the referenced contract. \n\nBusiness records from XXXX, as well as account transaction logs from both XXXX and Bank of America, confirm that the draft note and letter were received and processed without rebuttal. This included the internal acknowledgment of the letters contents and metadata logs recording the deposit process, establishing acceptance by conduct under UCC 3-311.\n\nUnder 31 U.S.C. 5318, Bank Secrecy Act regulations, and XXXX rules, banks are legally obligated to review, verify, and report suspicious or irregular transactions, including those purporting to settle debts on behalf of state entities. \n\nBank of America processed the instrument without exercising its due diligence responsibilities under KYC ( Know Your Customer ) and AML ( Anti-Money Laundering ) statutes. The absence of a fraud flag or SAR ( Suspicious Activity Report ) filing reflects a failure to vet commercial instruments used in quasi-enforcement mechanisms, especially involving state debt collection partners. \n\nThe banks actions facilitated an enforcement system outside judicial channels by accepting contested funds into a government-labeled account absent evidence of legal debt, assignment, or adjudication. In doing so, Bank of America acted as a private clearing agent in a process lacking regulatory transparency and legal authorization. \n\nThese operations constitute knowing participation in a structure that denies due process rights and facilitates improper deprivation of property under XXXX of law. Plaintiff reserves the right to file complaints with XXXX, CFPB, and the XXXX Treasury Department concerning these transactions and systemic violations. \n\nThe draft note tendered by Plaintiff pursuant to UCC 3-311 was deposited and processed by Bank of America , acting as the depository and collateral agent under contract with the New York State Office of the State Comptroller ( NYS OSC ), Contract No. XXXX. \n\nBank of America is contractually linked to File No. XXXX and Account No. XXXX, designated to support the XXXX XXXX XXXX XXXX and Disbursement Unit. The bank processed a draft explicitly labeled as settlement under UCC 3-311 without conducting Know Your Customer ( KYC ) review or reporting under Anti-Money Laundering ( AML ) protocols.\n\nUnder 31 U.S.C. 5318, Bank Secrecy Act regulations, and XXXX rules, banks have an affirmative duty to verify the origin, nature, and terms of all instruments depositedespecially where they purport to settle a government-related debt. \n\nBy failing to inquire into the legitimacy or challenge the terms of the deposit, Bank of America became a material actor in a commercial enforcement structure that lacks judicial authorization, chain of title, or accounting transparency, in violation of : Federal KYC/AML statutes , 12 C.F.R. 208.62 ( Suspicious Activity Reports ), Treasury Department guidance for compliance programs.\n\nThe banks facilitation of ACH remittances from unverified debt collection entities ( including XXXX ) into state-labeled accounts amounts to a private commercial clearing system masquerading as judicial enforcement. The lack of Federal oversight and the absence of assignment documentation show the banks participation in a system that materially aids due process deprivations. \n\nPlaintiff reserves all rights to file a separate complaint under the Bank Secrecy Act and file a formal regulatory complaint with XXXX and the XXXX Treasury Department regarding these activities.","date_sent_to_company":"2025-04-01T18:33:53.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"144XX","tags":null,"has_narrative":true,"complaint_id":"12758619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-01T18:11:41.000Z","state":"NY","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":["By failing to inquire into the legitimacy or challenge the terms of the deposit, Bank of America became a material actor in a commercial enforcement structure that lacks judicial authorization, chain of title, or accounting transparency, in violation of : Federal KYC/AML statutes , 12 C.F.R. 208.62 ( Suspicious Activity Reports ), Treasury Department guidance for <em>compliance</em> <em>programs</em>."]},"sort":[9.492158,"12758619"]},{"_index":"complaint-public-v1","_id":"8485080","_score":8.697956,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX. This letter outlines a series of events that demonstrate the servicers failure to adhere to guidelines set forth in the CARES Act and changes to FHA policies, guidelines, and requirements. These failures have resulted in significant financial distress for me and put my property at imminent risk of foreclosure. I am seeking a thorough investigation into these matters and an appropriate resolution to prevent further harm and ensure compliance with federal regulations designed to protect consumers XX/XX/XXXX : Following a Presidentially Declared Major Disaster, a3-month forbearance period was announced for affected homeowners. Despite this announcement XXXX XXXX XXXX XXXX did not inform me about the available forbearance relief, contrary to CARES Act requirements for lenders to provide relief options to borrowers during disaster declarations. \nXX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX to notify them that I was in imminent default and to inquire about further forbearance or loss mitigation options, referencing HUD 's updated FHA guidelines. XXXX XXXX XXXX XXXX denied access to disaster-related forbearance due to alleged non-notification by FHA and unawareness of the Mortgagee Letters updates, resulting in the failure to inform me of the new guidelines which could have offered necessary relief, demonstrating a lack of compliance with federal directives to keep servicing staff informed and trained on current loss mitigation options. This action directly contradicts HUD 's guidelines which mandate mortgages to review all borrowers in default or facing imminent default for COVID-19 Recovery Options. Despite the broadened eligibility criteria for COVID-19 forbearance outlined in HUD 's updated guidelines, the lender denied forbearance based on an assertion that we had exhausted our forbearance options in XXXX. This directly contradicts the updated provisions designed to provide relief to borrowers affected by the COVID-19 pandemic XXXX XXXX XXXX XXXX XX/XX/XXXX : Despite the Presidentially Declared Major Disaster XXXX XXXX XXXX XXXX denied knowledge of the disaster-related forbearance due to alleged non-notification by FHA and disregarded directive for lenders to review and provide COVID-19 recovery options to all eligible borrowers, irrespective of previous forbearance history, indicating a systemic failure to adhere to mandated relief programs. Despite my proactive communication with XXXX XXXX XXXX XXXX about being in imminent default and seeking forbearance relief based on HUD 's updated guidelines, the bank proceeded to modify my mortgage to a XXXX term contrary to my stated financial situation. This action disregarded my rights and failed to comply with HUD guidelines that require clear communication and consent for loan modifications. The guidelines require that any loan modification, especially those extending the loan term and altering monthly payments, should be conducted with the borrower 's knowledge and consent, ensuring that relief options are tailored to genuinely assist the borrower 's financial recovery. This situation not only demonstrates a failure to comply with federal guidelines but also a disregard for our financial wellbeing and autonomy in decision-making regarding our mortgage. The unauthorized modification of my loan by XXXX XXXX XXXX XXXX, despite my explicit communication regarding my financial distress and without my consent, exemplifies a significant failure to adhere to the federally mandated guidelines designed to provide relief to homeowners affected by the COVID-19 pandemic. XXXX XXXX XXXX XXXX XXXX actions highlight a systemic issue of non-compliance particularly concerning the review and application of COVID-19 Recovery Options for borrowers in imminent default which lead to an increase in our payment without proper notification or consent, exacerbating our financial distress. \nXX/XX/XXXX : XX/XX/XXXX, I received loan modification documents to sign and return by XX/XX/XXXX, which formalized the modification despite not being 90 Days delinquent on my mortgage payment ( a usual prerequisite for loan modification ) and requesting that the loan not be modified at this time. The lender 's request for the loan modification documents to be signed and notarized within 10 business days does not align with the guidelines, which afford borrowers 30 days to review such documents and an additional 30 days to start payments on the new modification. The lenders reference to foreclosure upon not receiving the signed documents within their stipulated timeframe disregards the mandated review and creates a high-pressure situation that encourages quick decisions without giving us time to fully understand the implications of what we are signing or knowing all available options to us XX/XX/XXXX : I was sent a letter notifying me that the modification had been removed due to failing to return the required documents and funds. I also received notification that a default had occurred under the terms of the note and if funds were not paid to cure the default that my account would be \" accelerated '' XXXX XXXX XXXX XXXX XXXX XXXX placed me in an unemployment forbearance program in three-month increments, sidestepping the protections intended by FHA Mortgagee Letter 2023-03 . This guideline clearly states that lenders must review all borrowers in default or facing imminent default for the COVID-19 Recovery Options through XX/XX/XXXX, without disqualifying them based on the duration of their delinquency or their past participation in COVID-19 related forbearance. Contrary to these directives, the lender 's approach to forbearance not only disregarded the updated guideline 's stipulation that forbearance should not be denied based on being more than 12 months behind at the time of approval but also utilized a loophole to manipulate forbearance in strategic increments that were more favorable to XXXX XXXX XXXX XXXX denying the long-term assistance by exploiting procedural nuances at our expense during this unprecedented time. XXXX XXXX XXXX XXXX actions are particularly concerning given that, despite being in imminent default over several months, the guidelines affirm that borrowers like myself should still be considered for comprehensive relief measures. Specifically, FHA Letter 2023-03 mandates that borrowers 90 or more days delinquent at the time the permanent loss mitigation documents are executed, or those meeting the criteria for imminent default, must be evaluated for COVID-19 Recovery Options. This includes borrowers who have previously utilized HAF funds for mortgage reinstatement but attest to their inability to resume monthly payments. XXXX XXXX XXXX XXXX XXXX practices not only undermine the FHA 's intentions to provide necessary relief to borrowers impacted by National Disasters but also compromise the financial security of everyone who is facing challenging circumstances. \nXX/XX/XXXX : Following the termination of my forbearance period, XXXX XXXX XXXX XXXX requested updated financial information from my spouse, citing a lack of updates since XXXX. The services failed to engage in proactive and ongoing communication with us to reassess our eligibility for loss mitigation options that are required under the CARES Act. This request underscores a critical oversight in the bank 's approach to borrower engagement and loss mitigation efforts. The CARES Act does not stipulate the requirement for borrowers to re-qualify for assistance or to provide updated financial documentation to be considered for loss mitigation options. The Act 's provisions are designed to ensure that borrowers impacted by COVID-19 and or PDMDA have access to relief measures without the precondition of submitting new financial information. XXXX XXXX XXXX XXXX XXXX request not only deviates from this principle but also indicates a broader issue of compliance with the act 's intent to facilitate accessible and efficient relief for borrowers during unprecedented times. This is a significant gap in the bank 's procedures for communicating with borrowers and reassessing their needs for support in alignment with federal regulations designed to protect homeowners during the pandemic and PDMDA 's. \nXX/XX/XXXX : I was informed by a representative from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX team that foreclosure actions were being initiated on my property, despite my active forbearance period. I notified the representative of the proactive steps that I had applied for the Homeowner 's Assistance Fund ( HAF ) to assist me in meeting my past due mortgage obligation, but the representative stated that the bank plans to proceed with foreclosure regardless of my application to the assistance fund. In search of clarification and a resolution, I asked to speak with a supervisor. Unfortunately, the account information provided by the supervisor was inaccurate, stating my account was delinquent with the last payment recorded in XX/XX/XXXX, including two split payments. When I attempted to correct this with the accurate payment dates, it was clear the bank lacked an efficient system for promptly verifying such details. I corrected her, stating my last payment was in XX/XX/XXXX, not XXXX. The supervisor directed me to the customer service department, rather than addressing the inaccurate account information used to justify the foreclosure. To address these discrepancies and avoid further miscommunication, I directly contacted my designated XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. However, instead of receiving a response from XXXX XXXX, I was contacted two weeks later by XXXX XXXX, who introduced herself as XXXX XXXXXXXX XXXX assistant. Despite my continuous attempts to engage with XXXX XXXX XXXX XXXX XXXX representatives and seek a resolution through appropriate channels, the bank chose an unconventional approach and sent a representative to our home who approached my son outside our residence, instructing him to relay a message for us to contact the bank. Sending a representative in such an invasive manner, especially after our multiple attempts to resolve the issue, represents not only an invasion of privacy but also amplifies the stress and anxiety linked to the looming threat of foreclosure by XXXX XXXX XXXX XXXX \n\nWe have made proactive attempts to engage with XXXX XXXX XXXX XXXX to resolve inaccuracies in our account and have clearly communicated our intention and efforts to comply with our mortgage obligations. Despite these efforts, XXXX XXXX XXXX XXXX has proceeded with refering our accout to an attorney for foreclosure, showing apparent indifference to the challenges we have faced and the proactive steps we have taken to maintain the home during a Presidentially Declared Major Disaster showing a complete disregard for the federal guidelines and assistance programs that are designed to offer additional protections and support to homeowners facing financial hardships to ensure housing stability XXXX XXXX XXXX XXXX continued to mismanagement of the mortgage assistance programs that are intended to aid financially distressed homeowners has compromised our ability to recover from financial setbacks and maintain housing stability by obstructing the recovery process for individuals in dire need by undermining the purpose of these assistance programs to ensure homeowners can retain their properties during a time of crises. \n\nThese measures are meant to offer a safety net for a broad spectrum of borrowers that are recovering from the impact of the pandemic and other economic challenges. The ineffective implementation of these measures by XXXX XXXX XXXX XXXX  and the barriers that they have created for us when we sought assistance have directly undermines the purpose of HUD 's programs and has herded us like cattle into an outcomes that will ultimately favor Lakeview Loan Services and the servicer of our loan XXXX XXXX XXXX XXXX I request that the CFPB thoroughly investigate these violations by Lakeview Loan Services and XXXX XXXX XXXX XXXX. I believe that our experiences highlights systemic issues within XXXX XXXX XXXX XXXX XXXX management of mortgage assistance programs during an unprecedented global pandemic and national disasters, necessitating immediate and decisive action to protect not only my rights but those of other affected borrowers","date_sent_to_company":"2024-03-06T19:14:31.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"91915","tags":null,"has_narrative":true,"complaint_id":"8485080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2024-03-06T18:44:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["XXXX XXXX continued to mismanagement of the mortgage assistance <em>programs</em> that are intended to aid financially distressed homeowners has compromised our ability to recover from financial setbacks and maintain housing stability by obstructing the recovery process for individuals in dire need by undermining the purpose of these assistance <em>programs</em> to ensure homeowners can retain their properties during a time of crises."]},"sort":[8.697956,"8485080"]},{"_index":"complaint-public-v1","_id":"2907705","_score":8.649872,"_source":{"product":"Mortgage","complaint_what_happened":"What I am requesting : 1 ) I want Wells Fargo Home Mortgage to set up an appointment to personally meet with one of their supervisors or attorney at the Customer Care and Recovery Group to go over my loan modification, robo signers from notaries, employess of trustee, attorneys, trustees, affidavits ( missing or defective ), false declarations, false recorded documents, wrongful foreclosure, inaccurate accounting history and over charges of my account. I can help them see how they violated the law. If any citizen of this country did what WELLS FARGO BANK, NA and their vendors have done, we would be spending years in prison. \n\n2 ) I want a payoff statement breakdown. I have requested for months a detail breakdown of who got paid and how much? what is the interest rate paid, late fees, BPOs, mortgage insurance, property taxes, and attorney fees and if there are other fees to specify the exact fee and what was paid. I really want to know how much it was paid to THE SERVICER, TRUSTEE, THE INVESTOR. \n\n3 ) My house was wrongfully foreclosed and I was wrongfully denied a loan modification and I want my house back. I am only using what WELLS FARGO BANK HOME MORTGAGE AND THEIR TRUSTEES HAVE SENT ME and what the law says The financial crisis and 10 years laters ... there is still no stop to fraud! \n\nIn XX/XX/XXXX, I became late on my payments. In XX/XX/XXXX Wells Fargo Home Mortgage recorded a notice of Default approximately 25,000 dollars. I offered the servicer XXXX dollars to prevent further default and requested to have the rest of the money to be added to the principal or create a re-payment plan. The servicer customer representative told me not to pay the money that help was coming for homeowners like myself who had the pick a payment from XXXX XXXX and XXXX that there was some special arrangement for those type of loans. \n\nLittle did I now that I was being pushed to further default and eventually to foreclosure. From XXXX, it was the non ending loan modification loan process. The application expired, the servicer did not receive a document, my copies were not clear ect. On XXXX XXXX, XXXX, XXXX, Trustee recorded a notice of rescission of notice of default, which cancelled the XXXX notice of default. On XXXX, a new foreclosure process started again with robo signers, no interview from the servicer, but yet they recorded a declaration of compliance on XX/XX/XXXX and it was signed on XX/XX/XXXX. The thirty 30 had not passed as it was now required by the new laws and California homeowner bill of rights. \n\nThe XXXX pick a payment and the Assurance Agreement for the pick a payment were settled and a new Hamp Tier 1 an Tier 2 program was now introduced, but I was now denied for a loan modification based on NPV, a complex formula designed by the government and based on this formula I was denied for a loan modification. On paper they never said, you have equity on your property this is the reason we will never will give you a loan modification or any type of work out option. What I was told was sell your home you have equity in your house. There is not only document that has been recorded that does not show consistent fraud to the court, the documents pretend to be in compliance when they are not in compliance with the law or deed of trust. \n\nThe over charges on fees and the lack of accuracy in the accounting is amazing hidden fees in the lump sum of interest rates and mortgage statements. The mortgage statements never show the principal loan balance. There is no way to calculate a monthly mortgage payment without knowing what loan balance the servicer is using. Over charges in escrow fees still, mortgage insurance, home inspections, late fees, BPOs as high as XXXX dollars, miscellaneous fees and others. The undisclosed fees that you do not know what is paying, but you must pay because they are charging it to you. \n\nMy house was wrongfully foreclosed on XX/XX/XXXX. The substitution of trustee was recorded on XX/XX/XXXX and 6 days later the Notice of trustee sale was recorded XX/XX/XXXX The sale date was schedule for XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and I was in the hospital for over 2 weeks. The foreclosure law, deed of trust and my legal due process were ignored by Wells FARGO HOME MORTGAGE. \n\nThe trustee substituted itself as attorney in fact and recorded false documents as accurate documents. There is no recorded notice of default, they did not cause a notice of default and both the trustee and Wells Fargo Home Mortgage Executive office were made aware that there was no recorded notice of default. The wrongful foreclosure continue until the house was sold. The Trustee Deed Upon Sale recitals are not in compliance with the non-judicial laws and deed of trust. this document fraud. The foreclosure was irregular and the tile was not perfected. There was not reason for me to have been in default for these long when I was able to afford my payment and I was willing to offer them partial payments to accept the balance to be added to the loan amount or have a balloon payment at the end of the term of the original loan. \n\nNo matter how much I tried to work with WELLS FARGO HOME MORTGAGE EXECUTIVE OFFICE, I found nobody who had integrity and were able to see the dishonesty, deceptive and fraud that was going on with my loan only because I had equity on my property. I lost my house due to my equity, WELLS FARGO target home owners who had equity and kept them in default until they were able to take their homes. XXXX XXXX target minorities who had equity in their homes and put them in the highest negative amortization principal cap rate of 125 % while most other banks use the max 110 % principal cap rate.\n\nMy loan file has been reviewed so many times and the interesting thing is that the executive office of WELLS FARGO HOME MORTGAGE the highest level of customer complaints has never found any wrongdoing and has not corrected any of their wrongdoing. I lost my only asset I had, my family purchase this home in the XXXX 's with many sacrifices working 6 days per week and I lost my house to a bank that is lawless all because I had equity. I lost my health, my low property taxes and we lost safe place to live. This is a home that just it was passed to me, I wanted one of my children to have it. \n\nThe bank continues claiming no wrongdoing and as long as they are claiming no wrongdoing ; their documents correspondence points to illegal violations, I will continue fighting for my house. I have sent them several documents showing what the law says regarding the laws they have violated. I also sent them a request of items that I would like to have since now I am a defendant to the surplus funds of the wrongful foreclosure of my house. The trustee wants to be released of any liability by the defendants. The trustee did not provide notification of the foreclosure to the defendants and foreclosed illegally and wants to be released from any liability??? There seems not be any justice. \n\nI am enclosing the documents that wells Fargo claims there is no wrongdoing and there is no violations found by the executive office. I have written on the recorded documents, which are public information for your review of the violations found that can not be denied by WELLS FARGO. As long as WELLS FARGO BANK, NA EXECUTIVES ARE NOT MADE accountable for the many crimes against their customers the millions and billions in fines is just like a license to continue growing their fraudulent enterprise.","date_sent_to_company":"2018-05-16T05:36:52.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"93436","tags":null,"has_narrative":true,"complaint_id":"2907705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-05-16T00:13:04.000Z","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":["There is not only document that has been recorded that does not show consistent fraud to the court, the documents pretend to be in <em>compliance</em> when they are not in <em>compliance</em> with the law or deed of trust. \n\nThe over charges on fees and the lack of accuracy in the accounting is amazing hidden fees in the lump sum of interest rates and mortgage statements. The mortgage statements never show the principal loan balance."]},"sort":[8.649872,"2907705"]},{"_index":"complaint-public-v1","_id":"4046028","_score":8.572156,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I get these random emails not knowing who and why are initialing services. It's becoming a real problem. See below. \n\n\nDate : XX/XX/XXXX, XXXX XXXX Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX Dear Applicant : Thank you for your recent application. We regret that we are unable to approve your request for consumer credit. \n\nYour application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. \n\nThe information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were XXXX Risk View Score XXXX XXXX XXXX XXXX Auto Origination Score In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agencies. It can be obtained by contacting : XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX You also have a right to a free copy of your report from the reporting agencies, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. \n\nWe also obtained your credit score from XXXX XXXX XXXX XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. \n\nYour credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : No evidence of phone service at address Number of inquiries in the last 12 months If you have any questions regarding your credit score, you should contact XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. \n\nThe federal agency that administers compliance with this law concerning this creditor is Federal Trade Commission, Equal Credit Opportunity, XXXX XXXX XXXX.","date_sent_to_company":"2021-01-04T17:54:20.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"92410","tags":null,"has_narrative":true,"complaint_id":"4046028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2021-01-04T17:48:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The federal agency that administers <em>compliance</em> with this law concerning this creditor is Federal Trade Commission, Equal Credit Opportunity, XXXX XXXX XXXX."]},"sort":[8.572156,"4046028"]},{"_index":"complaint-public-v1","_id":"2842956","_score":8.551453,"_source":{"product":"Mortgage","complaint_what_happened":"I contacted Wells Fargo Home Mortgage ( WFHM ) XX/XX/XXXX for payoff information. I advised them I had funds in hand waiting to wire. At first, the representative said no problem, then can e-mail the payoff statement same day. Then, he claimed that for a Nevada mortgage only ( no where else in the USA ), they require \" manual '' preparation of the payoff statement taking up to 8 business days. Note - The CFPB regulatory limit is 7 business days.\n\nAfter considerable misinformation about the alleged cause of this situation by multiple representatives, my situation was escalated to WFHM \" executive offices ''. That representative admitted the previous misinformation about causes for payoff statement delay and stated that there were statutory requirements for payoff statements in Nevada which WFHM had not programmed their automated payoff statement system ( XXXX ) to provide. She stated that the manual preparation unit would provide the payoff statement ASAP. \n\nWhen I called t check for the payoff statement XX/XX/XXXX, I was told it was snail mailed XX/XX/XXXX. They refused to e-mail it even though they e-mail payoff statements they prepare in their automated system which doesn't work for Nevada mortgages. They finally FAXed to a local Wells Fargo Bank office, I had to drive several miles to pick it up. \n\nI paid off the loan by wire transfer XX/XX/XXXX. The payoff statement provided a payoff good though XX/XX/XXXX and a subsequent per diem rate for after that. Contrary to specific requirements found in Nevada Revised Statutes 107.210, the payoff statement did NOT provide a payoff as of the request date and subsequent per diem. I therefore overpaid WFHM 13 ( thirteen ) days additional interest. \n\nI have communicated multiple times with WFHM by letter ( see attached ) and telephone regarding the overpayment and requested the refund. I also requested they reimburse me for the six wasted days between the payoff statement request XX/XX/XXXX and XX/XX/XXXX. WFHM has refunded the escrow impound account and, as a \" courtesy '', the 6 days interest loss caused by the payoff statement delay. They have NOT refunded the 13 days interest overpayment for XX/XX/XXXX through 0XX/XX/XXXX. I have not cashed the check for the 6 days interest loss and won't cash it until the overpayment issue is resolved. \n\nLastly, I note that WFHM communications are not mailed until at least 2 to 4 days after the letter date. WFHM will claim compliance based on their letter date knowing that their mail process takes at least 2 to 4 days longer. As an further outlier, one letter dated XX/XX/XXXX wasn't mailed until XX/XX/XXXX. \n\nWFHM has systemic issues with providing payoff statements. They state a time frame for doing so that is outside the regulatory time frame required by CFPB. Their representatives make excuses and provide misinformation about the reasons for delay and require additional information and training. The payoff statements do not comply with Nevada statutes or common sense in providing a payoff figure as of the request date, not a future projected date. Note - I did NOT request a payoff for a future date, I requested an immediate payoff amount. WFHM provided the payoff to a future date on it's own initiative for no explicable reason. WFHM has collected an interest overpayment and apparently has no provision to refund those funds. Even if the funds are refunded, this \" system '' provides WFHM with \" float '' using their customer 's money at no cost until they refund. WFHM communications take at least 2 to 4 days after their date to be franked in an envelope and mailed.","date_sent_to_company":"2018-03-14T17:23:30.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"890XX","tags":"Older American","has_narrative":true,"complaint_id":"2842956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-14T16:08:37.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["WFHM will claim <em>compliance</em> based on their letter date <em>knowing</em> that their mail process takes at least 2 to 4 days longer. As an further outlier, one letter dated XX/XX/XXXX wasn't mailed until XX/XX/XXXX. \n\nWFHM has systemic issues with providing payoff statements. They state a time frame for doing so that is outside the regulatory time frame required by CFPB."]},"sort":[8.551453,"2842956"]},{"_index":"complaint-public-v1","_id":"13528898","_score":7.9716682,"_source":{"product":"Student loan","complaint_what_happened":"This happen that has happened to others fraud here is a my research on this company I want this removed immediately under the XXXX fair resolution for identity theft would involve ensuring that all fraudulent activity is fully removed from your accounts and credit reports, and that any harm caused by the theft is rectified. Key components 1. Removal of Fraudulent Charges and Accounts Immediate removal of unauthorized charges from your accounts. Closure of fraudulent accounts or loans opened in your name. Full reversal of any financial damage caused by the theft. 2. Correction of Your Credit Report Elimination of all inaccuracies or fraudulent information from your credit report. Free credit monitoring services provided by creditors or reporting agencies to prevent further damage. 3. Restoration of Funds Refund of any money lost due to fraudulent transactions. Waiver of fees or penalties incurred because of identity theft ( e.g., late fees, overdraft fees ). 4. Prevention and Support Issuance of a new Social Security number ( if necessary and applicable ). Access to resources to prevent future identity theft ( e.g., fraud alerts, credit freezes, identity theft protection services ). 5. Peace of Mind Written confirmation from creditors and credit bureaus that all disputes have been resolved. Assurance that your credit standing has been fully restored to its correct score this is a list of people they have scammed and should be shutdown this is ridiculous how they keep misleading and scamming people and putting things on their credit that is theft and fraudulent I did not sign anything and do not owe them anything Date : XX/XX/XXXX Type : Product Issues Status : AnsweredMore info I was recruited by XXXX XXXX XXXX  to obtain my XXXX through their program. Money was deducted from my account for this program however when I attempted to enroll the college I was referred to had no money from * * * XXXX and I was not able to enroll. Now Several years later XXXX still dealing with a Student Loan I Never Received and this is affecting my Credit. Im So Tired Of Trying To Get this Issue Resolved. This program is a Fraud and I want my money back that was taken from me. \nBusiness Response Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did research your enrollment and what you report does not match our records. We show that you actually paid less than {$600.00} on your account and then defaulted. Your account was then placed with collections. In checking with the program administrator, we also found that you did not complete any of the 11 courses that you purchased. This might have been the reason you were denied access to the college. There are other reasons college admissions could be denied including but not limited to, low XXXX on other college transcripts, if XXXX was your goal, a background check might have been an issue, or for financial reasons. We have no way of knowing what transpired between you and the college, but we are willing to work with you to resolve your account and typically the program XXXX will also help reinstate you as a student even though your enrollment has expired since your enrollment date of XX/XX/XXXX. Please feel free to contact us with any further questions or concerns. \nInitial Complaint Date : XX/XX/XXXX Type : Service or Repair Issues Status : AnsweredMore info I applied for Distant Learning System .But decided not attend and never paid admission enrollment. Yet XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I owe them money for what. Never was enrolled. Classes are blocked. Who got the money I never received any money. \nBusiness Response Date : XX/XX/XXXX Thank you for contacting us with your question. In researching your account, we found the following. You enrolled in your program consisting of XXXX classes and XXXX labs on XX/XX/XXXX. When you enrolled, you completed a full enrollment package including the enrollment form itself with a promise to pay which included a full financing package wherein you requested that the cost of your program be financed. The company you enrolled with honored your enrollment including your financing agreement and made classes available. You are correct ; you have made no payments on the financial commitment you made and after nearly a year of attempting to service your debt your account was sent to collections. We are sorry you have not utilized the program you purchased. Had you done so, it is reasonable to believe that you would have graduated or been near graduation at this point. If you do not have original copies of your financing and enrollment agreements, we would be happy to help you acquire those. It is our understanding that if you resolve your account, the company you enrolled with would be happy to have you back as a student. Thank you again for contacting us and we hope to be able to serve you in the future. \nInitial Complaint Date : XX/XX/XXXX Type : Product Issues Status : AnsweredMore info I enrolled with a school that turned out to be fraudulent. I have called XXXX XXXX XXXX XXXX XXXX and repeatedly told them not to take anything of my account until next month. They don't listen and still took out of my bank account and leaving us in the negative. I don't appreciate anything that they do and therefore I would like to get a refund back. \nBusiness Response Date : XX/XX/XXXX We are sorry for any confusion. We can only process payments that the customer has agreed to in writing. We are puzzled as to why your comment referred to as fraudulent. We are a licensed company serving thousands of customers operating lawfully, in full compliance with all government regulations and operating within the bounds of the contract. If there is anything we can help with we would love to hear from you. \nInitial Complaint Date : XX/XX/XXXX Type : Order Issues Status : AnsweredMore info I thought I was signing up for school with XXXX XXXX for my XXXX no one told me they was taking a loan out in my name they stated I had to pay the enrollment fee and {$60.00} to get the online materials then they started taking money from my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was never mentioned nor did I authorize it this school and the company is a fraud theyre tryn to charge me XXXX and some change and they is messing my credit up no on is honest nor truthful when signing you up this company and school is very deceitful I asked them to drop me from the school and classes and no one replied but instead they reported this on my credit and its crazy you guys got multiple complaints about the same XXXX company and yet nothing is been done all you guys do is send the same response to every complaint Business Response Date : XX/XX/XXXX Thank you for taking the time to contact us. You XXXX also use our toll-free number to speak to a representative. When you completed your enrollment paperwork you also included a credit application for the loan you referred to in your complaint. We provided financing based on the request and the application you submitted. We know that the company you enrolled with works with a number of American colleges and universities and that the courses your purchased will transfer into your program. If you have any questions regarding your enrollment, we would ask that you contact the provider. If you have any additional questions regarding your financing, please feel free to contact us. We are here to help. \nInitial Complaint Date : XX/XX/XXXX Type : Service or Repair Issues Status : AnsweredMore info Hello. I received a phone call last year from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me I could take classes through them, and once I finished I would be able to apply for The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The recruiter said I needed like XXXX classes before I could switch to the school. Once I got off the phone, I did research and decided it was not for me. I did not pay the down payment they required for me to enroll because I informed the school I did not need to go through them because Western Governors told me I could take those same classes at their College. A few months later, I started receiving invoices from Ben Franklin finance XXXX stating I owe them like XXXX XXXX XXXX XXXX XXXX. I informed them that I have never done business with them and that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never mentioned them when they was going over the classes and procedures. They told me, I would pay the school directly. Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had reported that I owe them to the credit reporting Agencies. This has impacted my credit report and credit score. Last week they sent me an invoice stating they would XXXX XXXX XXXX  me. This company basically is fraud, and they have partner with Distant learning center to scam innocent people that just want to go to school while they continue to work a full-time job. They will not provide the original supposedly contract that they say I signed. XXXX XXXX not put you in a payment contract if you have never attended and do not want to attend this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read over XXXX complaints about this company and yall are allowing the company to harass people on this reporting website as well. Please investigate this company, XXXX both are fraudulent companies. I never paid any money to this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I do not even know who they are. I never paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because I did not want to waste my time attending this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only wanted to go to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why would I just give my money to them for free.","date_sent_to_company":"2025-05-15T19:16:51.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"13528898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ben Franklin Finance LLC","date_received":"2025-05-15T18:42:32.000Z","state":"TX","company_public_response":null,"sub_issue":"High pressure sales tactics or recruiting"},"highlight":{"complaint_what_happened":["We can only process payments that the <em>customer</em> has agreed to in writing. We are puzzled as to why your comment referred to as fraudulent. We are a licensed company serving thousands of <em>customers</em> operating lawfully, in full <em>compliance</em> with all government regulations and operating within the bounds of the contract. If there is anything we can help with we would love to hear from you."]},"sort":[7.9716682,"13528898"]},{"_index":"complaint-public-v1","_id":"7845075","_score":7.7686863,"_source":{"product":"Debt collection","complaint_what_happened":"I Did not contract to be liable for any payments with the following alleged account. I am not liable for this collection and ask for immediate removal from reoported credit report. Please remove. \" I didnt not give permission for collection to post my personal information or discuss the matter with any parties without my permission. \n\nDate Reported : XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$590.00} Amount {$590.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX ( 1 ) In general. ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. \n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information- ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with- ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumer 's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institution 's records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institution 's compliance with industry standards, and the institution 's attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection 1 a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \n\n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. )","date_sent_to_company":"2023-11-13T20:07:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"30157","tags":"Servicemember","has_narrative":true,"complaint_id":"7845075","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"COLLECTION SERVICES OF ATHENS, INC.","date_received":"2023-11-13T19:53:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["# # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX ( 1 ) In general. ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the <em>knowing</em>"]},"sort":[7.7686863,"7845075"]},{"_index":"complaint-public-v1","_id":"4326364","_score":7.664761,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a customer of Capitol One Master Card for 25 years. Heretofore the below described problem, I had never before had an issue with them, or they me, never missed payments or anything else. \nThe problem : The company is in violation of both the FCBA of 1975, as well as the US Department of Treasury 's Mandate for Financial institutions, public and private, to comply with Address Confidentiality Program for victim of crime, which I am a member of through my Minnesota Secretary if State 's Safe at Home program. I describe how this is so in detail in this complaint. \nI tried to make a purchase with my Capitol One MasterCard, at two different vendors, back on the week of XX/XX/XXXX. I was denied. I subsequently called Capitol Ones customer support, and was eventually transferred with account manager XXXX ( XXXX ). She informed me that my card and account had been closed out in the previous month, XXXX, due to non payment of late fees, for a charge I supposedly made of {$4.00} to XXXX on XX/XX/XXXX. She told me that I never paid that charge, and than 5 months of late fees accrued, culminating with my account being closed out by the company, for this reason. \nI then informed her that I had never gotten any billing statements or any notification of any kind from Capitol, notifying me of this alleged charge, nor any statements thereafter concerning late fees. ( I don't even recall making any such XXXX charge, so I am not even sure that was a valid charge to begin with. ) After looking into this, she said that my billing statements were generated but never sent out, as the company had a policy of not using XXXX XXXX XXXX '. Well, I told her that I apprised them of this new legal mailing address on XX/XX/XXXX, a full XXXX days before the charge of {$4.00} had occurred. At that time, their rep had accepted my new address and input it into their system, with no notification that this was not acceptable. \nThis new XXXX XXXX XXXX is my legal mailing address, which is even on my license. It is distributed by the Minnesota XXXX of XXXX 's Safe at Home Physical Address Confidentiality system for Crime victims. It has been legally mandated that all financial institutions accept and use this, since XXXX, in compliance with the XXXX Department of Treasury. Minnesota also has a statute concerning this law. The program also has separate physical address provisions to comply with the Patriot act. I informed XXXX of all this and she told me she would then send me my 6 months of past statements, for my records. \nShe said XXXX department of their company had generated my statements, but someone there decided not to send them out. She then told me she would send those 6 months of past statements to me now, for my records. And she also gave me the address for their disputes department to write to to explain and document the issue. I expected that the problem, which was clearly the company 's, would be fixed, an apology sent to me forthwith, and all 3 credit card bureaus, which were negatively effected, to be contacted by Capitol One, corrected, along with my account being reopened immediately. None of this was done. \nIt is notable that I was not only never contacted by mail, but also not by email or phone, all of which the company had of mine. As for the 6 months of past statements, XXXX assured me she would now send out, she never did. \n\n\nI subsequently sent out my dispute letter on XX/XX/XXXX, with attached documentation making my case, and with the above expectations. It seemed like this was a simple matter to resole On the XXXX of XXXX I received a letter from their Dispute Department, that simply restated that my account had been closed for lack of payment of late fees, and would remain so. None of the points in my dispute letter were addressed. Apparently my letter had not been read, at least not carefully. Also, the response letter gave no specific person in that department, so that I could then followup with them to contest this response. It was just signed : Customer Care Team. '' Then, adding insult to injury, the next day, I received a letter on XX/XX/XXXX, telling me that my credit bureaus did not report any late payments for the periods of XX/XX/XXXX to XXXX. Aside from the nonsensical, inverted datewhich itself demonstrate the shoddy, inattention to detail which this company takes disputes -- the reply made no sense : The credit bureaus which I took the time to photocopy and send them clearly showing all three bureaus indicating late fees accruing for the time period in question. I had even taken the trouble to highlight and circle such notations on my photocopied bureaus, to make it very obvious and simple to see this. \nObviously this company severely lacks training and has people working in its dispute department who don't even know how to read credit bureau. My point about my legal mailing address and my statements being sent out was not addressed : Despite this being the central problem. I clearly stated, in my dispute letter, that their response needed to be sent to my current legal mailing address : my Safe at Home address. I even cited in that letter the legal statutes governing the use of this PO Box address as my legal address ( It is even on my license. ) Despite this, their two response letters to me were, again sent to my old, no longer valid, physical address.\n\nIt is notable that I have 3 other credit cards, and two separate institution 's banking accounts, and none of these institutions have had any problem accepting and utilizing my new legal PO Box mailing address, sending me my financial statements, and and other notifications there. Even my checks have my PO Box address on them. All all 3 credit bureaus correctly have my PO Box as my current address listed at the top. \n\nThus, this past week, on XX/XX/XXXX, I again called Capitol one at the number that was supposedly the account manager number. I stated my calls at XXXX PM. In order, I spoke to : XXXX in Account disputes. She did not know about my dispute letter. \nSo she then transferred me to account specialists, XXXX. After having to explain my problem all over againapparently no one had read my dispute letter -- she then transferred me to XXXX, ( ID # XXXX ). She told me she did not know anything about the situation. \nXXXX then transferred me to to Supervisor and Senior Account Manager, XXXX, XXXX ID # XXXX. ) After I had to explain my problem all over again, he told me your letter went to the front office, we don't have anything to do with them. ( Then why wasn't I connected to the people in the front office who had send me the response letter? Made no sense. But spoke volumes for this one department of this company not knowing what another is doing. ) XXXX then said he did not know why my account had not been reopened, but after finding my letter in their system, and reading it, he said, based on my documentation, my dispute clearly met the criteria for another look. \nXXXX then transferred me to XXXX, XXXX # XXXX, ) who then put me on hold to confer about my letter and the situation. \nAfter another long hold, XXXX then transferred me to Senior Account XXXX, XXXX, XXXX ID : XXXX ). \nSince at this point I had been on phone for more than XXXX XXXX hours, I XXXX XXXX immediately to give me his number, or call me back if we are disconnected, because I did not want to have to go over all this again starting from scratch. Despite this fact, XXXX hung up on me at at XXXX XXXX, when I was still talking. I had by then been on the phone, continually transferred, for 1 hour and 45 minutes, only to be hung up on and never called back. \nBefore hanging up on me, unbelievably, XXXX had the gall to tell me that the situation was my fault, as he now claimed the account was closed due to inactivity. ( I had made two charges in the past 6 months, hows that inactivity? ) This was a totally different reason all their previous reps had given me verbally, and different than the reason stated in their response letter to my dispute. ( I said if you are going to claim that, now, you needed to send me a letter with your name on it, on company letterhead, explained this was not the reason you were claiming my account was closed. He did not respond. ) I tried to explain again my dispute pointsas clearly XXXX had never read my letter XXXX I don't understand why everyone I was connected to have not read my letter. Why wasn't I connected to the people in the dispute department that supposedly read my letter? ) He told me it was my fault, as, in the last 6 months, since that, supposed, {$4.00} XXXX charge, I did not try to charge something elseeven a XXXX dollar pack of gum because, if I had, in his twisted pretzel, non-logic, my charge would have been denied, and I would have called sooner and been told by a rep that I had a problem. \nIt was and is not my problem that the company did not comply with the law and send me out my statements, which, as I stated in the beginning of this letter, their representative XXXX told me were generated but not mailed out. Also, if their company had a problem sending my statements to my legal address, and that they had just piled up, unsent, they obviously internally saw there was an issue, but chose not to address it. XXXX also had the gall to tell me their company did me a favor by closing out my account. My credit has been cut off, and my credit bureaus negatively effected, that is no favor to me. My responsibility was to kept their company updated with my current contact information : which I did. It was their company 's responsibility to utilize such. \nThe onus, obviously, was not on me to stumble upon their company XXXX up, and lack of compliance with the law. ( Indeed my attempting a purchase last XXXX is the reason I found out there was a problem. ), But this was clearly not the issue, as, again, even when I apprised this company in writing that their response letter must be sent to my current, legal mailing address, they still sent it to my old, invalid, physical address. Talk about making a bad situation worse, and adding insult to injury. XXXX would not address any of my dispute points, just insulting me and giving me a totally nonsensical reason to deflect from the company 's culpability in this problem. Indeed, his saying my account was close for lack of activity, and not non payment, but then tells me in same sentence that if I had attempt a new charge sooner, it would have been denied for late of payment, he contradicts himself. \nXXXX would not address why my billing statements were not sent to methe central reason for the problem. I pointed out his company was not in compliance with the Department of Treasury 's mandates for financial institutions concerning with Address Confidentiality programs, nor the FCBA. By FCBA mandate, companies must send bills to your current address. And that a creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. A creditor cant deny you credit just because you've disputed a bill. And a creditor must provide a statement for each billing period in which you owe or they owe you more than XXXX dollar or on which you have been charged a finance charge. \n\nThey did not do any of this. I kept kept trying to make XXXX understand the issues but XXXX then simply hung up on me. He made no attempt to call me back, so clearly this was not a mistake. I took the liberty of recording this call with XXXX. \n\n\nTheir company violated the FBCA, and Treasury Department Law. and instead of fixing an obvious problem in their billing and contact practices, their personnel have doubled down and said, in effect : Oh, I don't understand this, just give him an irrational response and be done with it, hang up on him. Ignore it and it will go away. \nI can truly say this situation was the worst customer service experience of my life : And on a problem that was easily addressed, and that they need to do so to comply with the law. To treat a good customer of 25 years this way is outrageous. \n\nIn resolution : I want my account reopened, the company should apologize to me for putting me thru this needless hassle. And they need to contact all three credit bureaus and tell them the account closure, and late fees indicated, were incorrect : it was the company 's error, and to make sure all 3 credit s bureaus are thusly corrected. \n\nI thank you for taking the time to read this extensive complaint, and hope you can help me get this a proper resolution.","date_sent_to_company":"2021-04-29T14:20:18.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"55117","tags":"Older American","has_narrative":true,"complaint_id":"4326364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-04-25T23:53:39.000Z","state":"MN","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["It has been legally mandated that all financial institutions accept and use this, since XXXX, in <em>compliance</em> with the XXXX Department of Treasury. Minnesota also has a statute concerning this law. The <em>program</em> also has separate physical address provisions to comply with the Patriot act. I informed XXXX of all this and she told me she would then send me my 6 months of past statements, for my records."]},"sort":[7.664761,"4326364"]},{"_index":"complaint-public-v1","_id":"15733582","_score":6.89044,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Boeing Employees Credit Union ( BECU ) regarding approximately {$30000.00} in unaccounted funds spanning at le\n\nast ten years, compounded by BECUs persistent failure to investigate, reconcile, or provide lawful written explanations under federal consumer protection laws. This is not a matter of perception or optional third-party tools. These discrepan\ncies arise directly from BECUs own systems and official reports ( downloaded statements, desktop records, and in-app histories ). Each of these records was generated by BECUs systems, not third-party applications, yet they fail to reconcile with one another or with my actual balances. \n\nDespite numerous in-person visits, phone calls, emails, and even a prior CFPB complaint ( ID : XXXX ), BECU continues to deflect accountability onto its XXXX XXXX tool, a budgeting feature that they openly acknowledge is inaccurate. By knowingly using this flawed tool as a blanket scapegoat, while simultaneously ignoring direct discrepancies found in official BECU reports, BECU is engaging in willful blindness to material account irregularities. \n\n\n\nKey Facts and Timeline XXXX/ XXXX : After purchasing a laptop, I lost my BECU credit card. I believed it had already been reported lost or stolen. I did not actively use that card between XXXX and XXXX. \nIn XXXX I found the card in my former room, in a home where a tenant ( XXXX XXXX, XXXX name XXXXXXXX XXXX  XXXX had lived since I moved away. \nXXXX has posted on XXXX claiming employment at XXXX XXXX, alongside images of mail lockers. This coincides with multiple incidents of missing mail, including replacement cards I ordered from BECU that never arrived ( records will show I had to order three before receiving one ). \nXX/XX/XXXX : I was designated to receive a death benefit lump sum of {$32000.00} from XXXX XXXX XXXX XXXX ( now XXXX ). \nI never received confirmation of a direct deposit into my BECU account, nor did I receive a physical check. \nMy brother, who sporadically sent documents over email, failed to provide consistent updates or ensure proper beneficiary documentation was submitted. \nThis negligence, combined with XXXX likely access to my financial mail and BECUs refusal to resolve discrepancies, leaves open the possibility of misappropriation during this critical time. \nXXXX : Multiple in-person meetings with BECU staff produced contradictory statements about record retention. Branch staff insist records are capped at XXXX years. Yet in XX/XX/XXXX, a Fraud Department representative provided me data from XX/XX/XXXX, proving extended access exists. \nXXXX XXXX XXXX  staff admitted surprise that members can view 10 years of history in the BECU app, demonstrating staff are either uninformed or intentionally misrepresenting system capabilities. \nI consistently raised unresolved allocation discrepancies based on BECUs official reports, but no investigation was conducted. \nXXXX : Because my physical statements were likely stolen and my online access was limited ( credit card statements unavailable after reissuance ), I relied on XXXX XXXX and BECUs online portal, both of which proved inaccurate. \nOver the years, I submitted complaints through emails, calls, CFPB filings, and in-person visits, none of which resulted in a written, Reg E- or Reg Z-compliant resolution.\n\nViolations of Federal Law 1. Electronic Fund Transfer Act / Regulation E ( 15 U.S.C. 1693 ; 12 C.F.R. Part 1005 ) : Requires investigation and written findings within 1045 days of an error notice. \nBECU has repeatedly failed to investigate or provide written explanations of the {$30000.00} discrepancy. \n2. Truth in Lending Act/ Regulation Z ( 15 U.S.C. 1666 ; 12 C.F.R. Part 1026 ) : Requires proper handling of credit card billing error disputes. \nBECUs system removes prior statements after reissuance, preventing me from accessing historical credit card records, effectively denying my right to dispute. \n3. GrammLeachBliley Act ( 15 U.S.C. 6801 ) : Requires safeguarding of customer information. \nMissing mail, likely interception of replacement cards, and the mishandling of sensitive reports demonstrate failures of security protocols. \n4. NCUA Regulations 12 C.F.R. Part 748 : Requires federally insured credit unions to maintain security programs to detect and respond to unauthorized access or fraud. \nBECUs persistent dismissal of my reports and reliance on a flawed tool in place of meaningful investigation violates this standard. \nXXXX. Willful Blindness / Conscious Disregard : By continuing to cite Money Manager as the sole explanation, despite knowing it is inaccurate, BECU is engaging in willful blindness to systemic discrepancies in member accounts. \n\n\n\nPattern of Non-Compliance BECUs repeated canned responses both to me directly and through the CFPB complaint process fail to address substantive issues or comply with their legal obligations under Reg E and Reg Z. This demonstrates a pattern of systemic neglect and possible unsafe or unsound practices, which falls within both CFPB and NCUA oversight.","date_sent_to_company":"2025-09-05T04:45:57.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"98108","tags":null,"has_narrative":true,"complaint_id":"15733582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BOEING EMPLOYEES' CREDIT UNION","date_received":"2025-09-05T04:36:14.000Z","state":"WA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["GrammLeachBliley Act ( 15 U.S.C. 6801 ) : Requires safeguarding of <em>customer</em> information. \nMissing mail, likely interception of replacement cards, and the mishandling of sensitive reports demonstrate failures of security protocols. \n4. NCUA Regulations 12 C.F.R. Part 748 : Requires federally insured credit unions to maintain security <em>programs</em> to detect and respond to unauthorized access or fraud."]},"sort":[6.89044,"15733582"]},{"_index":"complaint-public-v1","_id":"16845093","_score":6.479241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute and Demand for Immediate Deletion of Inaccurate Information Reported by XXXX XXXX XXXX XXXX XXXX XXXX Under Investigation for Fraud, Misconduct, and Failure to Implement Department of Education-Ordered Loan Discharges.\n\nTo Whom It May Concern : I am writing to formally dispute inaccurate, fraudulent, and legally non-compliant information appearing on my consumer credit report ( s ) as furnished by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( XXXX ). This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and permanent deletion of all disputed items reported by XXXX, a loan servicer currently under investigation by multiple state attorneys general, the Consumer Financial Protection Bureau ( CFPB ), and facing multiple federal lawsuits for systematic fraud, misconduct, and failure to implement U.S. Department of Education-ordered loan discharges. \n\nCRITICAL NOTICE : XXXX FRAUD AND DEPARTMENT OF EDUCATION DISCHARGE ORDERS As a borrower directly harmed by XXXX 's documented fraud and systematic misconduct, and pursuant to XXXX Department of Education discharge determinations, I am entitled to be relieved of any further obligation to repay these student loans. XXXX has systematically failed to implement loan discharges ordered by the Department of Education, continued to demand payment on discharged loans, and continued reporting these discharged debts to credit reporting agencies as current obligations. This constitutes fraud, willful FCRA violations, and actionable misconduct causing severe financial harm to millions of student loan borrowers, including myself. \nXXXX XXXX 's Documented Fraud, Systematic Misconduct, and Ongoing Federal Investigations XXXX is currently under investigation by multiple federal and state authorities for widespread fraud and misconduct that has financially harmed millions of student loan borrowers. The following documented evidence establishes XXXX 's pattern of fraudulent and deceptive practices : A. Active Federal Lawsuits and Legal Actions : XXXX. XXXX XXXX XXXX XXXX v. XXXX ( XX/XX/XXXX ) : Filed by the AFT, represented by the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, this groundbreaking federal lawsuit alleges that XXXX illegally overcharged borrowers on monthly bills, failed to timely process critical paperwork, actively misled borrowers about repayment options and loan forgiveness programs, and implemented a systematic 'call deflection scheme ' that made it impossible for XXXX XXXX borrowers to obtain assistance. The lawsuit exposes XXXX to billions of dollars in potential liability. \nXXXX. XXXX v. XXXX ( XX/XX/XXXX ) : California student borrowers filed federal lawsuit alleging XXXX failed to implement Department of Education-ordered student loan discharges, continued demanding payment on discharged loans, and continued reporting discharged debts to credit agencies as current obligations. The XXXX XXXX XXXX for the XXXX XXXX XXXX California denied XXXX 's attempts to dismiss the case twice ( XX/XX/XXXX and XX/XX/XXXX ), with the court stating that XXXX would be an affront to the dignity of California if an entity like XXXX were permitted to avoid suit in California based on alleged commercial misconduct towards California residents. ' This case directly parallels my situation as an affected borrower whose loans should have been discharged.\n\nB. Multi-State Attorney General Investigations and Federal Enforcement : Multiple State Investigations ( XXXX ) : Multiple state attorneys general initiated confidential investigations into XXXX beginning XXXX late XXXX, focusing on XXXX 's XXXX in calculating monthly payments, billing customers incorrectly, failing to process paperwork, and other systematic misconduct that turned costly for borrowers. \nCongressional Investigations : XXXX. Senators XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have led multiple XXXX investigations and hearings exposing XXXX 's systematic failures. In XX/XX/XXXX, XXXX investigators revealed that XXXX 's failure to provide advance notice of loan transfers contributed to nearly XXXX XXXX credit reporting errors. In XX/XX/XXXX, XXXX XXXX led a hearing specifically on XXXX 's failures during return to repayment and mismanagement of the XXXX XXXX XXXX XXXX program. \nDepartment of Education XXXX Actions : In XX/XX/XXXX, the Department of Education withheld {$7.00} XXXX in payment to XXXX as punishment for failing to send bills to XXXX XXXX borrowers, causing XXXX borrowers to miss payments. In XX/XX/XXXX, the Department stopped awarding XXXX new accounts and threatened contract termination due to XXXX 's failures to inform the agency about massive backlogs of applications for income-driven repayment plans and continued poor performance. \nCFPB and XXXX XXXX XXXX : In XX/XX/XXXX, the XXXX XXXX XXXX XXXX and AFT sent formal complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX ( FDIC ), and Office of the Comptroller of the Currency ( XXXX ), warning federal financial regulators about XXXX 's potentially unlawful practices, including forcing borrowers to waive their legal rights. \nXXXX Specific Documented Misconduct Allegations- Quantified Data : XXXX XXXX borrowers did not receive monthly bills, resulting in XXXX borrowers missing payments through no fault of their own ; XXXX borrowers were illegally overcharged for loan payments because XXXX used incorrect calculation guidelines ; XXXX XXXX total borrowers affected by XXXX 's systematic failures, with documented evidence showing XXXX in XXXX XXXX customers experienced servicing failures ; Nearly XXXX XXXX credit reporting errors caused by XXXX 's failure to provide advance notice of loan transfers to credit reporting agencies ; Systematic 'call deflection scheme ' : XXXX XXXX directed millions of borrowers away from staffed call centers toward websites and 'self-help ' options that were often inoperative or unable to resolve critical issues, despite receiving over {$1.00} XXXX from the Department of Education since XXXX specifically to staff call centers and provide borrower assistance ; Illegal deduction of payments from borrowers ' bank accounts without consent ; Misinforming borrowers about paperwork deadlines for affordable repayment plans and loan forgiveness programs ; Failure to process Department of Education-ordered loan discharges XXXX XXXX failed to implement loan discharges for students who attended XXXX predatory for-profit institutions ( XXXX XXXX of XXXX, Corinthian Colleges, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX demand payment and report these XXXX debts to credit bureaus ; Worst performance scores : XXXX currently holds the worst customer satisfaction and performance scores among all federal student loan servicers. \nXXXX. Department of Education Loan Discharge Determination and Relief from Repayment Obligation As an affected borrower harmed by XXXX 's documented fraud and systematic misconduct, I am entitled to relief from any further obligation to repay these student loans pursuant to Department of Education discharge determinations and federal consumer protection law. The Department of Education has issued group discharge orders for borrowers who attended predatory for-profit institutions that engaged in widespread fraud and misconduct. However, XXXX has systematically failed to implement these discharges, as evidenced by the ongoing federal litigation in XXXX v. XXXX. \nBetween XX/XX/XXXX and XX/XX/XXXX, the Department of Education announced group discharges for former students from six predatory for-profit institutions after finding these schools engaged in rampant misconduct, including 'financial exploitation of students ' and 'widespread misrepresentations. ' The Department explicitly notified affected borrowers that they had been 'released from any further obligation to repay ' their loans. Despite these clear discharge orders, XXXX has : Failed to process the Department XXXX XXXX discharges ; Failed to issue authorized refunds to discharged borrowers ; Continued reporting discharged debts to credit reporting agencies as current obligations ; Continued illegally demanding payments from borrowers whose loans have been discharged by federal authority . \nThis conduct constitutes willful fraud and knowing violations of the Fair Credit Reporting Act. Any continued reporting of these discharged debts is per se inaccurate and must be immediately and permanently deleted from my credit file. \nXXXX. Inaccurate Account Information and Personal Data Reported by XXXX The information reported by XXXX contains multiple material inaccuracies that have caused substantial and undue hardship, severe financial harm, and damage to my creditworthiness. Given XXXX 's documented pattern of systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be presumed unreliable and inaccurate. Specifically : Account Balance and Payment History Inaccuracies : The account balances, payment histories, and status information reported by XXXX are demonstrably incorrect. XXXX has admitted to systematically overcharging XXXX borrowers and sending inaccurate bills. Given XXXX 's documented pattern of calculation errors and fraudulent billing practices, all balance information furnished by XXXX is inherently unreliable and must be deleted. \nPersonal Information Errors : XXXX has furnished incorrect personal identifying information, including errors in names, addresses, Social Security numbers, dates of birth, and employment information. The XXXX investigation revealed nearly XXXX XXXX credit reporting errors caused by XXXX 's failures. Such widespread inaccuracies demonstrate XXXX 's complete disregard for data accuracy requirements under FCRA XXXX ( b ). \nCredit Reporting During Discharge Period : XXXX 's continued reporting of loan obligations during periods when the Department of Education had ordered discharges constitutes willful and knowing false reporting under the FCRA. This fraudulent reporting has caused severe harm to my credit profile and ability to access credit, employment, and housing. \nIV. Undue Hardship, Severe Financial Harm, and Quantified Damages XXXX 's fraudulent and inaccurate reporting has caused me severe and quantifiable undue hardship, including but not limited to : Catastrophic reduction in my credit score due to fraudulent reporting of discharged or inaccurate debt obligations ; Denial of credit applications, or approval only at usurious interest rates, resulting in thousands of dollars in additional costs ; Inability to obtain housing due to fraudulent negative information on credit reports relied upon by landlords ; Adverse employment decisions, as employers increasingly review credit reports during hiring processes ; Increased insurance premiums and denial of favorable insurance rates ; Severe emotional distress, anxiety, XXXX, and mental anguish resulting from XXXX 's fraudulent debt collection attempts on discharged loans ; Hundreds of hours spent attempting to contact XXXX through their deliberately obstructive 'call deflection ' system ; Loss of financial opportunities and economic advancement due to artificially depressed creditworthiness ; Reputational damage and harm to personal and professional relationships resulting from fraudulent portrayal of my financial status. \nV. Violations of Seven-Year Reporting Rule and Unauthorized Data Sales Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged off that antedate the report by more than seven years. XXXX and the credit reporting agencies have violated this statutory mandate by reporting obsolete information beyond the permissible reporting period. \nAdditionally, XXXX and the credit bureaus have been selling my inaccurate personal information to third parties, including marketing companies, insurance providers, employment screening services, and other financial institutions, without legitimate permissible purposes as required by FCRA 1681b. This unauthorized sale of inaccurate information for commercial benefit constitutes willful FCRA violations and creates additional liability for all parties involved.\n\nVI. Applicable Legal Standards and FCRA Requirements The Fair Credit Reporting Act imposes strict obligations on both furnishers of information and consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( a ), XXXX is required to provide accurate information and conduct reasonable investigations when notified of disputes. Under 15 U.S.C. 1681i, you are required to conduct reasonable reinvestigation within thirty ( 30 ) days. \nGiven XXXX 's documented pattern of fraud and systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be treated as presumptively unreliable and inaccurate. The ongoing federal lawsuits, multi-state investigations, Department of Education enforcement actions, and CFPB oversight demonstrate that XXXX can not be relied upon to provide accurate information. Recent CFPB guidance ( XXXX XXXX ) requires that investigations can not be superficial or automated and must include independent verification beyond mere confirmation with the furnisher. \nXXXX. IMMEDIATE DEMANDS FOR DELETION AND REMEDIAL ACTION In light of XXXX 's documented fraud, systematic misconduct, failure to implement Department of Education-ordered loan discharges, and ongoing federal investigations, I demand that you immediately : XXXX. PERMANENTLY DELETE all information reported by XXXX from my credit file. Given XXXX 's documented pattern of fraud affecting XXXX XXXX borrowers and ongoing federal litigation, no information from XXXX can be considered reliable or accurate ; 2. CEASE AND DESIST all reporting of any MOHELA-furnished information to third parties immediately. Continued reporting of information from a servicer under federal investigation for fraud constitutes willful noncompliance under FCRA 1681n ; 3. CEASE AND DESIST from selling, transferring, or providing my personal information to any third parties, including marketing companies, data brokers, insurance companies, employers, or financial institutions ; 4. ACKNOWLEDGE that as a borrower affected by Department of Education-ordered loan discharges, any continued reporting of discharged loan obligations constitutes fraud and per se FCRA violations ; 5. CONDUCT a thorough investigation recognizing that XXXX is an unreliable furnisher currently under multi-state investigation and federal litigation for systematic fraud ; 6. PROVIDE written confirmation of all deletions within the statutory thirty ( 30 ) day period ; 7. FURNISH me with an updated credit report reflecting all deletions, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; 8. SEND updated reports to all parties who received reports in the past 6 months ( employment ) or 2 years ( credit ) ; 9. NOTIFY all previous data purchasers of the deletion of all MOHELA-reported information ; 10. CONFIRM in writing that you will no longer accept or report any information furnished by XXXX given its documented unreliability and ongoing fraud investigations. \nXXXX. Statutory Compliance Timeline Day XXXX : Date you receive this letter Day 5 : Must forward dispute to XXXX ( FCRA XXXX ( a ) ( 2 ) ) Day 30 : Investigation must be completed and all XXXX information deleted Day 35 : Written results and updated credit reports must be provided IX. Legal Consequences of Non-Compliance and Preservation of Rights I am preserving all legal rights and remedies available under federal and state law, including but not limited to : FCRA Statutory Damages : XXXX provides actual damages plus punitive damages of $ XXXX {$1000.00} per violation for willful noncompliance. Continued reporting of information from a servicer under investigation for fraud constitutes willful violations ; Attorney Fees and Costs : 1681o provides for recovery of attorney fees and costs ; Regulatory Complaints : Filing complaints with CFPB, FTC, Department of Education, and state attorneys general already investigating XXXX ; Class Action Participation : Joining existing federal class actions against XXXX or initiating new actions for systematic FCRA violations ; State Consumer Protection Claims : Violations under state consumer protection acts, privacy laws, and unfair/deceptive practices statutes ; Federal Fraud Claims : Claims related to fraudulent reporting of discharged debts and knowing misrepresentations.\n\nBe advised that federal courts have already ruled twice against XXXX 's attempts to dismiss borrower lawsuits, and multiple state attorneys general are actively investigating XXXX 's misconduct. Your failure to immediately delete all MOHELA-furnished information will be deemed willful noncompliance and will be pursued through all available legal channels. \nX. Supporting Evidence and Documentation of XXXX Fraud This dispute is supported by extensive documented evidence of XXXX 's fraud and misconduct, including : Federal court records from AFT v. XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ) ; Federal court records from XXXX XXXX XXXX ( XXXX California, XX/XX/XXXX ), including XXXX court orders denying XXXX 's dismissal attempts ; XXXX XXXX Papers ' investigation by AFT and Student XXXX XXXX XXXX XXXX XX/XX/XXXX ) ; XXXX XXXX reports by Senators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) ; Department of Education XXXX XXXX and XXXX withholdings ( XX/XX/XXXX, XX/XX/XXXX ) ; CFPB, FDIC, and XXXX regulatory complaints filed by XXXX and AFT XXXX XX/XX/XXXX ) ; Documentation of multi-state attorney general investigations ( XXXX ). \nThis letter constitutes my formal written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Given XXXX 's documented pattern of fraud affecting millions of borrowers, failure to implement Department of Education-ordered discharges, and ongoing federal investigations and litigation, I expect immediate deletion of all MOHELA-furnished information. This dispute is made in good faith based on extensive documented evidence of XXXX 's systematic misconduct. \nI expect your full cooperation and compliance with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2025-10-27T18:21:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"759XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16845093","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-27T18:20:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I expect your full cooperation and <em>compliance</em> with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX"]},"sort":[6.479241,"16845093"]},{"_index":"complaint-public-v1","_id":"16845101","_score":6.466726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Dispute and Demand for Immediate Deletion of Inaccurate Information Reported by XXXX XXXX Federal Student Loan Servicer Under Investigation for Fraud, Misconduct, and Failure to Implement Department of Education-Ordered Loan Discharges.\n\nTo Whom It May Concern : I am writing to formally dispute inaccurate, fraudulent, and legally non-compliant information appearing on my consumer credit report ( s ) as furnished by the Higher Education Loan Authority of the State of XXXX ( XXXX ). This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and permanent deletion of all disputed items reported by XXXX, a loan servicer currently under investigation by multiple state attorneys general, the Consumer Financial Protection Bureau ( CFPB ), and facing multiple federal lawsuits for systematic fraud, misconduct, and failure to implement U.S. Department of Education-ordered loan discharges. \n\nCRITICAL NOTICE : XXXX FRAUD AND DEPARTMENT OF EDUCATION DISCHARGE ORDERS As a borrower directly harmed by XXXX 's documented fraud and systematic misconduct, and pursuant to U.S. Department of Education discharge determinations, I am entitled to be relieved of any further obligation to repay these student loans. XXXX has systematically failed to implement loan discharges ordered by the Department of Education, continued to demand payment on discharged loans, and continued reporting these discharged debts to credit reporting agencies as current obligations. This constitutes fraud, willful FCRA violations, and actionable misconduct causing severe financial harm to millions of student loan borrowers, including myself. \nXXXX XXXX 's Documented Fraud, Systematic Misconduct, and Ongoing Federal Investigations XXXX is currently under investigation by multiple federal and state authorities for widespread fraud and misconduct that has financially harmed millions of student loan borrowers. The following documented evidence establishes XXXX 's pattern of fraudulent and deceptive practices : A. Active Federal Lawsuits and Legal Actions : XXXX. XXXX XXXX XXXX XXXX v. XXXX ( XX/XX/XXXX ) : Filed by the AFT, represented by the Student Borrower Protection Center, National Consumer Law Center, and XXXX XXXX XXXX, this groundbreaking federal lawsuit alleges that XXXX illegally overcharged borrowers on monthly bills, failed to timely process critical paperwork, actively misled borrowers about repayment options and loan forgiveness programs, and implemented a systematic 'call deflection scheme ' that made it impossible for XXXX XXXX borrowers to obtain assistance. The lawsuit exposes XXXX to billions of dollars in potential liability. \nXXXX. XXXX v. XXXX ( XX/XX/XXXX ) : XXXX  student borrowers filed federal lawsuit alleging XXXX failed to implement Department of Education-ordered student loan discharges, continued demanding payment on discharged loans, and continued reporting discharged debts to credit agencies as current obligations. The U.S. District Court for the Northern District of XXXX  denied XXXX 's attempts to dismiss the case twice ( XX/XX/XXXX and XX/XX/XXXX ), with the court stating that 'it would be an affront to the dignity of XXXX  if an entity like XXXX were permitted to avoid suit in XXXX  based on alleged commercial misconduct towards XXXX residents. ' This case directly parallels my situation as an affected borrower whose loans should have been discharged. \nXXXX Multi-State Attorney General Investigations and Federal Enforcement : Multiple State Investigations ( XXXX ) : Multiple state attorneys general initiated confidential investigations into XXXX beginning in late XXXX, focusing on XXXX 's errors in calculating monthly payments, billing customers incorrectly, failing to process paperwork, and other systematic misconduct that turned costly for borrowers. \nCongressional Investigations : U.S. Senators XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have led multiple Senate investigations and hearings exposing XXXX 's systematic failures. In XX/XX/XXXX, Senate investigators revealed that XXXX 's failure to provide advance notice of loan transfers contributed to nearly XXXX million credit reporting errors. In XX/XX/XXXX, Senator XXXX led a hearing specifically on XXXX 's failures during return to repayment and mismanagement of the Public Service Loan Forgiveness program. \nDepartment of Education Enforcement Actions : In XX/XX/XXXX, the Department of Education withheld {$7.00} million in payment to XXXX as punishment for failing to send bills to XXXX XXXX borrowers, causing XXXX borrowers to miss payments. In XX/XX/XXXX, the Department stopped awarding XXXX new accounts and threatened contract termination due to XXXX 's failures to inform the agency about massive backlogs of applications for income-driven repayment plans and continued poor performance. \nCFPB and Federal Regulatory Oversight : In XX/XX/XXXX, the Student Borrower Protection Center and AFT sent formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Deposit Insurance Corporation ( FDIC ), and Office of the Comptroller of the Currency ( OCC ), warning federal financial regulators about XXXX 's potentially unlawful practices, including forcing borrowers to waive their legal rights. \nXXXX Specific Documented Misconduct Allegations- Quantified Data : XXXX million borrowers did not receive monthly bills, resulting in XXXX borrowers missing payments through no fault of their own ; XXXX borrowers were illegally overcharged for loan payments because XXXX used incorrect calculation guidelines ; XXXX million total borrowers affected by XXXX 's systematic failures, with documented evidence showing XXXX in XXXX XXXX customers experienced servicing failures ; Nearly XXXX million credit reporting errors caused by XXXX 's failure to provide advance notice of loan transfers to credit reporting agencies ; Systematic 'call deflection scheme ' : XXXX deliberately directed millions of borrowers away from staffed call centers toward websites and 'self-help ' options that were often inoperative or unable to resolve critical issues, despite receiving over {$1.00} billion from the Department of Education since XXXX specifically to staff call centers and provide borrower assistance ; Illegal deduction of payments from borrowers ' bank accounts without consent ; Misinforming borrowers about paperwork deadlines for affordable repayment plans and loan forgiveness programs ; Failure to process Department of Education-ordered loan discharges : XXXX failed to implement loan discharges for students who attended XXXX predatory for-profit institutions ( XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, continuing to demand payment and report these discharged debts to credit bureaus ; Worst performance scores : XXXX currently holds the worst customer satisfaction and performance scores among all federal student loan servicers. \nXXXX. Department of Education Loan Discharge Determination and Relief from Repayment Obligation As an affected borrower harmed by XXXX 's documented fraud and systematic misconduct, I am entitled to relief from any further obligation to repay these student loans pursuant to Department of Education discharge determinations and federal consumer protection law. The Department of Education has issued group discharge orders for borrowers who attended predatory for-profit institutions that engaged in widespread fraud and misconduct. However, XXXX has systematically failed to implement these discharges, as evidenced by the ongoing federal litigation in XXXX v. XXXX. \nBetween XX/XX/XXXX and XX/XX/XXXX, the Department of Education announced group discharges for former students from XXXX predatory for-profit institutions after finding these schools engaged in rampant misconduct, including 'financial exploitation of students ' and 'widespread misrepresentations. ' The Department explicitly notified affected borrowers that they had been 'released from any further obligation to repay ' their loans. Despite these clear discharge orders, XXXX has : Failed to process the Department of Education-ordered discharges ; Failed to issue authorized refunds to discharged borrowers ; Continued reporting discharged debts to credit reporting agencies as current obligations ; Continued illegally demanding payments from borrowers whose loans have been discharged by federal authority . \nThis conduct constitutes willful fraud and knowing violations of the Fair Credit Reporting Act. Any continued reporting of these discharged debts is per se inaccurate and must be immediately and permanently deleted from my credit file. \nXXXX. Inaccurate Account Information and Personal Data Reported by XXXX The information reported by XXXX contains multiple material inaccuracies that have caused substantial and undue hardship, severe financial harm, and damage to my creditworthiness. Given XXXX 's documented pattern of systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be presumed unreliable and inaccurate. Specifically : Account Balance and Payment History Inaccuracies : The account balances, payment histories, and status information reported by XXXX are demonstrably incorrect. XXXX has admitted to systematically overcharging XXXX borrowers and sending inaccurate bills. Given XXXX 's documented pattern of calculation errors and fraudulent billing practices, all balance information furnished by XXXX is inherently unreliable and must be deleted. \nPersonal Information Errors : XXXX has furnished incorrect personal identifying information, including errors in names, addresses, Social Security numbers, dates of birth, and employment information. The Senate investigation revealed nearly XXXX million credit reporting errors caused by XXXX 's failures. Such widespread inaccuracies demonstrate XXXX 's complete disregard for data accuracy requirements under FCRA 1681e ( b ). \nCredit Reporting During Discharge Period : XXXX 's continued reporting of loan obligations during periods when the Department of Education had ordered discharges constitutes willful and knowing false reporting under the FCRA. This fraudulent reporting has caused severe harm to my credit profile and ability to access credit, employment, and housing. \nIV. Undue Hardship, Severe Financial Harm, and Quantified Damages XXXX 's fraudulent and inaccurate reporting has caused me severe and quantifiable undue hardship, including but not limited to : Catastrophic reduction in my credit score due to fraudulent reporting of discharged or inaccurate debt obligations ; Denial of credit applications, or approval only at usurious interest rates, resulting in thousands of dollars in additional costs ; Inability to obtain housing due to fraudulent negative information on credit reports relied upon by landlords ; Adverse employment decisions, as employers increasingly review credit reports during hiring processes ; Increased insurance premiums and denial of favorable insurance rates ; Severe emotional distress, XXXX, XXXX, and mental anguish resulting from XXXX 's fraudulent debt collection attempts on discharged loans ; Hundreds of hours spent attempting to contact XXXX through their deliberately obstructive 'call deflection ' system ; Loss of financial opportunities and economic advancement due to artificially depressed creditworthiness ; Reputational damage and harm to personal and professional relationships resulting from fraudulent portrayal of my financial status. \nV. Violations of Seven-Year Reporting Rule and Unauthorized Data Sales Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged off that antedate the report by more than XXXX years. XXXX and the credit reporting agencies have violated this statutory mandate by reporting obsolete information beyond the permissible reporting period. \nAdditionally, XXXX and the credit bureaus have been selling my inaccurate personal information to third parties, including marketing companies, insurance providers, employment screening services, and other financial institutions, without legitimate permissible purposes as required by FCRA 1681b. This unauthorized sale of inaccurate information for commercial benefit constitutes willful FCRA violations and creates additional liability for all parties involved. \nVI. Applicable Legal Standards and FCRA Requirements The Fair Credit Reporting Act imposes strict obligations on both furnishers of information and consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( a ), MOHELA is required to provide accurate information and conduct reasonable investigations when notified of disputes. Under 15 U.S.C. 1681i, you are required to conduct reasonable reinvestigation within XXXX ( XXXX ) days. \nGiven XXXX 's documented pattern of fraud and systematic misconduct affecting millions of borrowers, any information furnished by XXXX must be treated as presumptively unreliable and inaccurate. The ongoing federal lawsuits, multi-state investigations, Department of Education enforcement actions, and CFPB oversight demonstrate that XXXX can not be relied upon to provide accurate information. Recent CFPB guidance ( Bulletin XXXX ) requires that investigations can not be superficial or automated and must include independent verification beyond mere confirmation with the furnisher. \nXXXX. IMMEDIATE DEMANDS FOR DELETION AND REMEDIAL ACTION In light of XXXX 's documented fraud, systematic misconduct, failure to implement Department of Education-ordered loan discharges, and ongoing federal investigations, I demand that you immediately : XXXX. PERMANENTLY DELETE all information reported by XXXX from my credit file. Given XXXX 's documented pattern of fraud affecting XXXX million borrowers and ongoing federal litigation, no information from XXXX can be considered reliable or accurate ; XXXX. CEASE AND DESIST all reporting of any MOHELA-furnished information to third parties immediately. Continued reporting of information from a servicer under federal investigation for fraud constitutes willful noncompliance under FCRA 1681n ; XXXX. CEASE AND DESIST from selling, transferring, or providing my personal information to any third parties, including marketing companies, data brokers, insurance companies, employers, or financial institutions ; XXXX. ACKNOWLEDGE that as a borrower affected by Department of Education-ordered loan discharges, any continued reporting of discharged loan obligations constitutes fraud and per se FCRA violations ; XXXX. CONDUCT a thorough investigation recognizing that XXXX is an unreliable furnisher currently under multi-state investigation and federal litigation for systematic fraud ; XXXX. PROVIDE written confirmation of all deletions within the statutory thirty ( XXXX ) day period ; XXXX. FURNISH me with an updated credit report reflecting all deletions, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ) ; XXXX. XXXX updated reports to all parties who received reports in the past 6 months ( employment ) or 2 years ( credit ) ; XXXX. NOTIFY all previous data purchasers of the deletion of all MOHELA-reported information ; XXXX. CONFIRM in writing that you will no longer accept or report any information furnished by XXXX given its documented unreliability and ongoing fraud investigations. \nXXXX. Statutory Compliance Timeline Day XXXX : Date you receive this letter Day XXXX : Must forward dispute to XXXX ( FCRA 1681i ( a ) ( 2 ) ) Day XXXX : Investigation must be completed and all XXXX information deleted Day XXXX : Written results and updated credit reports must be provided XXXX. Legal Consequences of Non-Compliance and Preservation of Rights I am preserving all legal rights and remedies available under federal and state law, including but not limited to : FCRA Statutory Damages : 1681n provides actual damages plus punitive damages of $ XXXX {$1000.00} per violation for willful noncompliance. Continued reporting of information from a servicer under investigation for fraud constitutes willful violations ; Attorney Fees and Costs : 1681o provides for recovery of attorney fees and costs ; Regulatory Complaints : Filing complaints with CFPB, FTC, Department of Education, and state attorneys general already investigating XXXX ; Class Action Participation : Joining existing federal class actions against XXXX or initiating new actions for systematic FCRA violations ; State Consumer Protection Claims : Violations under state consumer protection acts, privacy laws, and unfair/deceptive practices statutes ; Federal Fraud Claims : Claims related to fraudulent reporting of discharged debts and knowing misrepresentations. \nBe advised that federal courts have already ruled twice against XXXX 's attempts to dismiss borrower lawsuits, and multiple state attorneys general are actively investigating XXXX 's misconduct. Your failure to immediately delete all MOHELA-furnished information will be deemed willful noncompliance and will be pursued through all available legal channels. \nX. Supporting Evidence and Documentation of XXXX Fraud This dispute is supported by extensive documented evidence of XXXX 's fraud and misconduct, including : Federal court records from AFT v. XXXX ( XXXX District Court, XX/XX/XXXX ) ; Federal court records from XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ), including XXXX court orders denying XXXX 's dismissal attempts ; XXXX XXXX Papers ' investigation by AFT and Student Borrower Protection Center XXXX XX/XX/XXXX ) ; Senate investigation reports by Senators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) ; Department of Education enforcement actions and payment withholdings ( XX/XX/XXXX, XX/XX/XXXX ) ; CFPB, FDIC, and OCC regulatory complaints filed by SBPC and AFT XXXX XX/XX/XXXX ) ; Documentation of multi-state attorney general investigations ( XXXX ). \nThis letter constitutes my formal written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Given XXXX 's documented pattern of fraud affecting millions of borrowers, failure to implement Department of Education-ordered discharges, and ongoing federal investigations and litigation, I expect immediate deletion of all XXXX-furnished information. This dispute is made in good faith based on extensive documented evidence of XXXX 's systematic misconduct. \nI expect your full cooperation and compliance with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX","date_sent_to_company":"2025-10-27T18:21:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"759XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16845101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-27T18:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I expect your full cooperation and <em>compliance</em> with federal law. Please acknowledge receipt of this dispute and begin your investigation immediately. \n\nRespectfully submitted, XXXX XXXX"]},"sort":[6.466726,"16845101"]},{"_index":"complaint-public-v1","_id":"10291894","_score":6.2018814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this letter due to receiving my Early Warning report from Early Warning Services ( hereinafter EWS ). The companys very existence goes against every Privacy law that is on the books as they are tracking and reporting your daily banking account balance. I have never signed a contract with EWS nor done any direct business with them besides requesting the report. Firstly, Id like to verify their written consent by me the consumer to collect this information, and secondly then provide/sell the information to any affiliates. Thirdly, Id like to evaluate their assumed authority to maintain these types of records. Any and all written, unwritten, verbal and non-verbal consent they have assumed they had has now and will ALWAYS be revoked until time immemorial. \nThe following is directly from EWSs prospectus. GLBA stands for the Gramm Leach Bliley Act.\n\nGLBA. To the extent that any information obtained by the Receiving Party is nonpublic personal information about consumers or customers as such terms are defined in GLBA and in regulations issued thereunder ( collectively, Consumer Data ), then in addition to the obligations of the Receiving Party under this Section 7, the Receiving Party agrees that it will not disclose or use such Consumer Data provided to it by the Disclosing Party under this Agreement other than to carry out the purpose of this Agreement or in any manner prohibited by the GLBA or the regulations issued thereunder. The Receiving Party further covenants and agrees to maintain appropriate measures designed to meet the objectives of the applicable guidelines establishing information security standards as adopted by any federal regulatory agencies having jurisdiction over Receiving Partys affairs. These measures include appropriate disposal of Consumer Data, as required, and taking appropriate actions to address incidents of unauthorized access to sensitive Consumer Data, including notification to the other Party as soon as possible of any such incident. Without limiting the foregoing, each Party represents and warrants that its information security program is designed to : ( i ) ensure the security and confidentiality of Consumer Data ; ( ii ) protect against any anticipated threats or hazards to the security or integrity of such data ; and ( iii ) protect against unauthorized access to or use of such data that could result in substantial harm or inconvenience to any consumer.\n\n7.8 Security Breach. In the event of a breach in security resulting in actual or suspected loss of or unauthorized access to any Customer Data, the breached Party shall : ( a ) immediately notify the other Party of the breach both orally and in writing ; ( b ) promptly conduct a forensics examination to determine to what extent such information was compromised ; ( c ) promptly provide to the other Party, in writing, details concerning the breach, including ( i ) nature and impact of the breach, ( ii ) assessment of immediate risk due to the breach, ( iii ) corrective actions already taken, and ( iv ) corrective actions to be taken ; ( d ) promptly cooperate with the other PartXXXX and any affected consumers, regulators and law enforcement to assist in regaining possession of the information and prevent its further unauthorized use and to notify affected consumers if required by applicable laws ; ( XXXX ) promptly take the corrective actions identified in ( iv ) above ; and ( f ) promptly take measures to restore and enhance its security policies and procedures to avoid further breaches. \nThe problem is that EWS having any banking information is a Breach of not only my own security, but the public in an of itself. \n\n1. Unauthorized Reporting of Nonpublic Personal Information According to 16 CFR 313.3 ( 1 ), nonpublic personal information includes personally identifiable financial information, as well as any consumer information derived from it. XXXX has been specifically asked to remove all loans and financial data from my credit report due to the lack of written consent, yet this information remains on record. This failure to remove the information constitutes knowing and willful misconduct, with the intent to cause continuous harm. Their ongoing actions violate my rights under privacy regulations. \nXXXX. Violation of the Gramm-Leach-Bliley Act ( GLBA ) EWSs actions violate the Gramm-Leach-Bliley Act by disseminating nonpublic personal information ( NPI ) without my explicit consent. Under XXXX USC 6821 ( b ), sharing this type of data without providing the necessary opt-out notices constitutes a violation of privacy regulations. Nonpublic personal information includes : Names Addresses Phone numbers Social Security numbers Income Credit score Account numbers Payment history Loan or deposit balances Credit or debit card purchases I demand the immediate cessation of these unauthorized practices and require the correction of all unauthorized information sharing.\n\nViolation of Consumer Rights : The Credit Bureaus appear to exploit consumer data without proper consent or transparency, which contradicts their legal obligations under 15 USC 1681. Specifically : Consumer Report Accuracy : Under 15 USC 1681 ( d ), a consumer report must accurately reflect a consumer 's creditworthiness, credit standing, and other personal characteristics used to determine eligibility for credit or insurance. However, EWS frequently provides a peak into your bank accounts affecting consumers ' financial lives adversely.\n\nDisclosure and Consent : According to 5 USC 552a ( 8 ) ( a ) ( B ) ( ii ), matching programs must not use data to make decisions about individuals ' rights, benefits, or privileges EWS provides accurate and verified banking information so that their affiliates can make adverse decisions about consumers ' credit which is a direct violation of this regulation. What else would EWS collect and maintain this information for?\n\nPenalties for Non-Compliance : Both 15 USC 1681m ( a ) ( b ) and 5 USC 552a ( i ) ( 1 ) outline penalties for willfully disclosing or maintaining records without proper consent. Given the practices of the Credit Bureaus, including unauthorized data sharing and lack of transparency, they appear to be in violation of these provisions.\n\nConsumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.\n\nI have a question for the CFPB. How do you opt out of a company if you are unaware of its existence?\n\nPer 15 USC 1681 604 ( a ) ( 2 ) : \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates Again, EWSs prospectus states the following : WHEREAS, Early Warning offers a suite of services to help prevent fraud, reduce losses, and protect consumers, including without limitation the Alert Services ( as defined below ) ( EWS Services ) ; WHEREAS, Service Provider provides consumer identity protection and credit monitoring services to help protect consumers ; Nowhere does it state it offers your banking information to their affiliates. Wouldnt that make EWS a consumer reporting agency of maintaining records full of unlawful information for their affiliates? What would constitute the Security Exchange Commission becoming involved in the malicious actions of EWS? The fact that their prospectus exists means they are very much aware of the Privacy Act laws but disregarded them anyway.\n\nNoncompliance with 5 USC 552a ( e ) : According to 5 USC 552a ( e ), agencies maintaining records must : Maintain only relevant and necessary information about individuals.\n\nPublish notices in the Federal Register detailing the system of records, including the categories of records and routine uses.\n\nEnsure records used in decision-making are accurate, timely, and complete.\n\nCan someone please point me to the section where your daily account balance being reported is not an invasion of privacy? Especially if you have never done any business or signed contracts with them?\n\nRequests for Immediate Action : Cease Unauthorized Reporting : EWS must immediately halt the reporting of any nonpublic personal information or personally identifiable financial information without explicit written consent from the affected consumers. I require assurance that my banking information has been deleted from their files. EWS having maintaining the daily account balances of consumers shows they are willfully and knowingly causing harm with the intent to sell/furnish it to their affiliates who also should not have the record. How does a so called credit monitoring company have banking information? This is a huge violation of privacy and they need to be held accountable.\n\nPlease address these issues promptly to ensure compliance with federal privacy regulations and protect consumer rights. Failure to rectify these violations will compel me to explore further legal avenues to ensure my rights and those of other consumers are upheld.","date_sent_to_company":"2024-10-01T00:53:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"10291894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-10-01T00:43:31.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please address these issues promptly to ensure <em>compliance</em> with federal privacy regulations and protect consumer rights. Failure to rectify these violations will compel me to explore further legal avenues to ensure my rights and those of other consumers are upheld."]},"sort":[6.2018814,"10291894"]},{"_index":"complaint-public-v1","_id":"7821184","_score":6.1165543,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax, XXXX, and XXXX continue to report my alleged student loan debt even after notice I have opted out of this information being reported. The reporting agencies assumed a vital role in the reporting of consumer information and they must provide each consumer with a XXXX  day opt out notice to give the consumer the right to opt out of that information being reported. I have not received any notice from the reporting agencies. I as a federal protected consumer I am now opting out of this consumer account listed as DPT EDXXXX being reported. Each reporting agency needs my written consent to report information onto my consumer report. \n\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than XXXX  days after XX/XX/XXXX. \n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T21:53:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7821184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-08T20:47:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."]},"sort":[6.1165543,"7821184"]},{"_index":"complaint-public-v1","_id":"7820254","_score":6.1165543,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX continue to report my alleged student loan debt even after notice I have opted out of this information being reported. The reporting agencies assumed a vital role in the reporting of consumer information and they must provide each consumer with a 30 day opt out notice to give the consumer the right to opt out of that information being reported. I have not received any notice from the reporting agencies. I as a federal protected consumer I am now opting out of this consumer account listed as XXXX XXXX being reported. Each reporting agency needs my written consent to report information onto my consumer report.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.\n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T21:54:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7820254","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-08T21:54:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."]},"sort":[6.1165543,"7820254"]},{"_index":"complaint-public-v1","_id":"7820253","_score":6.1165543,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Transunion continue to report my alleged XXXX  loan debt even after notice I have opted out of this information being reported. The reporting agencies assumed a vital role in the reporting of consumer information and they must provide each consumer with a 30 day opt out notice to give the consumer the right to opt out of that information being reported. I have not received any notice from the reporting agencies. I as a federal protected consumer I am now opting out of this consumer account listed as XXXX XXXX being reported. Each reporting agency needs my written consent to report information onto my consumer report. \n\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.\n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T21:54:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7820253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-08T21:54:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."]},"sort":[6.1165543,"7820253"]},{"_index":"complaint-public-v1","_id":"7821570","_score":6.1109443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax continue to report this account XXXX XXXX account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every 30 days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.\n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T18:54:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7821570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-08T18:54:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[6.1109443,"7821570"]},{"_index":"complaint-public-v1","_id":"7818905","_score":6.1049166,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX continue to report this account XXXX XXXX  account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every XXXX  days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Northern Mariana Islands.\n\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than XXXX  days after XX/XX/XXXX. \n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T18:54:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7818905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-08T18:54:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[6.1049166,"7818905"]},{"_index":"complaint-public-v1","_id":"7818786","_score":6.1049166,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX continue to report this account XXXX XXXX account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every 30 days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between XXXX or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. \n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. \n\n( XXXX ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XXXX XXXX XXXX. \n\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).","date_sent_to_company":"2023-11-08T18:54:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"7818786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-08T18:03:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in <em>compliance</em> with the disclosures required under this section."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[6.1049166,"7818786"]},{"_index":"complaint-public-v1","_id":"22222473","_score":5.705946,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo Home Mortgage Co and XXXX XXXX XXXX XXXX XXXX XXXX. \nList of Reported Errors Consumer / Mortgage Holder Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Loan Number : XXXX Mortgage Origination Date : XX/XX/XXXX Timeline of Wells Fargo Home Mortgage Company and / or XXXX XXXX XXXX XXXX XXXX XXXX errors/ actions/ damages EXECUTIVE SUMMARY OF COMPLAINT * The Core Issue : A \" Manufactured Default '' occurred when the servicer flipped a protected Hurricane XXXX Disaster Relief deferment into a forced foreclosure/modification track. * Forensic Accounting Error : Two prior COVID-19 deferrals were mismanaged, leaving {$21000.00} in the principal balance that should have been removed, resulting in approximately {$8800.00} in \" ghost interest '' charges. * Document Fraud : A loan modification was produced by \" XXXX XXXX XXXX in XX/XX/XXXX that was backdated to XX/XX/XXXX, directly contradicting contemporaneous emails stating paperwork was still forthcoming. * Equity Loss : These errors created a payoff discrepancy of over {$44000.00}, stripping the home equity intended for my retirement.\n\nWells Fargo Home Mortgage Company placed me in a COVID 19 payment suspension program in XXXX of XXXX. I did not request this. * * * See item 1 and 2, attached emails from WF, I did not see or respond to Error # 1 - In XXXX of XXXX Wells Fargo Home Mortgage Company deferred the initial payment suspension for XX/XX/XXXX through XX/XX/XXXX, or 6 months. The amount deferred was {$6900.00}, which was made up of the following amounts : Principal and Interest {$6500.00} Other past due amounts to be deferred {$420.00} TOTAL {$6900.00} * * * See item 3, attached 1st deferral HOWEVER Well Fargo Home Mortgage Company did not reduce my loan balance by the same amount that was deferred as required by XXXX XXXX for deferrals. Wells Fargo Home Mortgage Company only reduced my loan by {$2300.00}, shorting the reduction on my balance by {$4600.00}. * * * See item 4, attached copy of deferral and corresponding ledger of my mortgage loan This error caused an additional {$4600.00} to be left in my principle creating additional interest charges to be incurred to me. This is double capitalization of interest.\n\n* * * See item 4, attached copy of deferral and corresponding ledger of my mortgage loan This error falls under the following violations : 1. ) Elder financial Exploitation ( Fla. Stat s 825.103 ) 2. ) FDUTPA ( Fla Stat. s 501.201 ) 3. ) Breach of Fiduciary Duty Breach of duty of care owed to a senior borrower in the administration of government-mandated COVID-19 assistance programs.\n\n4. ) Negligent Accounting/Servicing 5. ) Intentional Mismanagement of Assets ( Fla. Stat. s825.103 ) 6. ) Bad Faith Servicing & Punitive Damage Standing ( Fla. Stat.s768.72 ) * * * Every subsequent action taken on my mortgage loan from this point forward was built on a foundation of bad data due to this error * * *.\n\nWells Fargo Home Mortgage Co. kept me on payment suspension, and I was making payments, some partial, as I could.\n\nError # 2 : On XXXX XXXX, Wells Fargo Home Mortgage Company deferred an additional full 12 months of payments for XX/XX/XXXX through XX/XX/XXXX. The amount that was deferred was {$21000.00}, which was made up of the following amounts : Principle and Interest {$13000.00} Other past due amounts to be deferred {$8200.00} TOTAL {$21000.00} * * * See item 5 attached HOWEVER, once again, Well Fargo Home Mortgage Company did not reduce my loan balance by the same amount that was deferred as required by XXXX XXXX for deferrals. Wells Fargo Home Mortgage Company only reduced my loan by $ {$4700.00}, shorting the reduction on my balance by {$16000.00}. * * * See item 5, attached This error caused an additional {$16000.00} to be left in my principle creating additional interest charges to be incurred to me. This is double capitalization of interest.\n\n* * * See item 5, attached copy of deferral and corresponding ledger of my mortgage loan showing reduction in loan, deferrals and loan ledger balance showing error.\n\nThis error also falls under the following violations : 1. ) Elder financial Exploitation ( Fla. Stat s 825.103 ) 2. ) FDUTPA ( Fla Stat. s 501.201 ) 3. ) Breach of Fiduciary Duty Breach of duty of care owed to a senior borrower in the administration of government-mandated COVID-19 assistance programs.\n\n4. ) Negligent Accounting/Servicing 5. ) Intentional Mismanagement of Assets ( Fla. Stat. s825.103 ) 6. ) Bad Faith Servicing & Punitive Damage Standing ( Fla. Stat.s768.72 ) At that point, there was now an additional {$21000.00} that had been left in my mortgage loan balance in spite of the 2 deferrals that I was provided for by Wells Fargo Home Mortgage Company , per XXXX XXXX COVID 19 deferral guidelines, that were not handled properly, creating additional interest charges to be incurred to me. This is double dipping of interest.\n\nMy loan balance should have been reduced by the full deferral amount ( s ) of : {$6900.00} Given XX/XX/XXXX {$21000.00} Given XX/XX/XXXX {$28000.00} TOTAL My loan balance was not reduced by the full deferred amounts of {$28000.00}, instead it was reduced by a total of only {$7000.00}, leaving {$21000.00} in my loan balance that was subject to double interest/capitalization, and I had to pay that additional interest for the years until I found out what had happened. ( XX/XX/XXXX ) The additional interest that I paid on that ghost principle was approximately {$8800.00}.\n\nError # 3 : In late XXXX Florida was hit by XXXX XXXX coming in as a CAT 4 hurricane.\n\nWells Fargo Home Mortgage Co. once again reached out to its customers with disaster relief on XX/XX/XXXX, at XXXX EDT, via emails with coded XXXX, ( disaster relief ) to their customers. A 12-month deferral period was extended to Wells Fargo Home Mortgage Co. customers for Hurricane XXXX as part of the Disaster Relief program, as directed by XXXX XXXX . * * * See item 6 attached. Email from XXXX re XXXX XXXX XXXX XXXX XXXX XXXX During that time, I made the multiple payments on my mortgage loan, as I was able to however a few were not paid, and they were to be deferred, as offered to me by Wells Fargo Home Mortgage Co. \nOn XX/XX/XXXX, one month later, I received an email from Wells Fargo Home Mortgage Co. coded XXXX, ________, stating that Disaster assistance will end on XX/XX/XXXX, and thanking me for taking the time to talk to us as you continue to recover. We are sorry that you have been affected by the hurricane. and The disaster relief that we recently discussed is coming to an end on XX/XX/XXXX, please contact us to talk about next steps. You may have options ; we want to help * * See item 7 attached. Email from XXXX XX/XX/XXXX On XX/XX/XXXX, at XXXX EDT, I received an email from Wells Fargo , thanking me for submitting the documents we asked for and We have what we need to begin our review of your home assistance request.\n\nI responded to this the same day, XX/XX/XXXX at XXXX XXXX  EST stating that I had not submitted any documentation for this or anything to them. That I was looking to set up a re-payment plan for the 3 payments I missed, NOW THAT MY HARDSHIP IS OVER. * * * See item 8 attatched. Email from XXXX and response from XXXX I heard nothing further from them until XXXX XXXX at XXXX EDT, in an email, stating You can get help with your payments and You have missed several payments and your loan is now in default. Reaching out is not easy, but we are here to help. We would like to talk with you about your options that could make your situation a little easier and help you avoid foreclosure. this time, it was coded XXXX collection. The payments that I was behind were from XXXX XXXX, in which Wells Fargo Home Mortgage sent out emails on XX/XX/XXXX at XXXX XXXX extending the disaster relief for XXXX XXXX of up to 12 months deferral. That email was coded with XXXX. * * * See item 9 attached .Email from XXXX dated XX/XX/XXXX To my knowledge, there was no disaster relief at that time other than the XXXX XXXX disaster relief, which was up to 12 months,1 year, or XXXX ( maybe XXXX?? ) of XXXX. If there was I was not a participant in them. I only was a participant in the XXXX XXXX disater relief program offered by Wells Fargo Home Mortgage as directed by XXXX XXXX. * * * See item 10 attached.XXXX XXXX statement on XXXX XXXX disaster relief. \nSomehow Wells Fargo Home Mortgage Co. flipped any past due payments from what should have been deferred due to XXXX XXXX directives/guidelines for the XXXX XXXX disaster to full blown collections, and threatening foreclosure in the following months. \nKeep in mind, I am still paying double interest on error 1 and error 2 at this time.\n\nI received another email from Wells Fargo Home Mortgage Co. on XX/XX/XXXX, once again t5hanking me for submitting the documents they requested, and We have what we need to begin your review of your home assistance request. * * * See item 11 attached. Email from XXXX. \n\nOn XX/XX/XXXX, Wells Fargo Home Mortgage Co. sent a hard copy piece of mail to me via USPS. The Subject Line stated Loan Modification trial period plan. The letter further stated Thank you for contacting us about your mortgage. Based on careful review of the information you provided, we are offering you the opportunity to enter into a loan modification. If you satisfy all of the terms of the offer, successfully complete the trial period plan by making the required payments, and return a signed loan modification agreement, we will then sign the loan modification, and your loan will be permanently modified. Immediately below that, in large bold letters it stated- ACT NOW Key steps to modify your mortgage and prevent foreclosure action. Below that it said You must do one of these things by XXXX XXXX- Contact us by phone or in writing to let us know if you intend to accept this offer, OR Send your first trial period payment of {$1600.00} to accept this offer. Directly below the 2 conditions it stated : IF YOU DO NOT CONTACT US OR SEND YOUR FIRST TRIAL PERIOD PLAN PAYMENT BY XX/XX/XXXX, FORECLOSURE PROCEEDINGS MAY BE STARTED OR CONTINUE. Attached to that letter was the proposed modification terms showing current terms with the deferred balance present, and the modification terms showing the deferred balance at {$0.00} * * * See item 12 attached. Hard mail from XXXX. Completely alarmed and not understanding what this was about, because I was still in the XXXX XXXX deferral program, and still making payments, I called the individual who signed the letter, XXXX XXXX, Home Preservationist Specialist. I asked him what this was about and if there was a foreclosure already started. He put me on hold, checked and came back and said it looked like they have started a foreclosure. I asked why, and why was this the first that I was hearing about it, and informed him that all missed payments were covered in the COVID 19 deferrals and the XXXX XXXX deferral that was offered to me. I further went on to state that I was shocked that this was happening and certainly since all missed payments had already been deferred and moved to the back of the loan. I became upset and told him I did not ask for this and did not want it. I did not even understand what it was. XXXX XXXX placed me on hold again, came back on the line and told me that they had made an error, and to please disregard it. I asked him if he was absolutely sure, because I did not want to have another surprise like this in a few months. He very kindly confirmed that he was sure. We hung up and I felt better. I had been making payments on my mortgage loan to catch up the payments I had missed clearly not understanding how the COVID 19 deferrals worked, and thinking that I still needed to pay those payment. Wells Fargo Home Mortgage Co was applying those payments to current arrears, as they should have I believe. I also took comfort in knowing that knew I was on the hurricane XXXX disaster payment deferral program. \nOn XXXX XXXX, I received another email from Wells Fargo Home Mortgage Co. Subject Line : We Need You to Verify Information and the email Stated Review this loan information carefully There was nothing attached to the email to review. * * * See Item 13 attached. Email from XXXX. I picked up the phone again and called the individual who signed the email, XXXX XXXX, Home Preservation Specialist, and asked what this was about. I was told not to worry, they were just wrapping up the disaster relief deferrals. XXXX XXXX did tell me that my payments were going to be a bit higher for the next 3 months, for escrow and misc. items, and asked if I could afford it, to which I said yes, my hardship is over. He also told me to make the three payments as indicated in the hard copy mailed to me via USPS on XX/XX/XXXX, and once that was complete I would not need to make any payments again until the first of the XXXX XXXX. \nOn XX/XX/XXXX at XXXX EST, I received another email from Wells Fargo Applications. Suject line was The Final Loan Agreement is Approved. It further stated Thank you for completing the payments for your home assistance request. We have mailed you 2 final documents : - Original copy to sign ( and notarize if requested ) - Duplicate copy for your records It also said Were also sending out a Preferred Payment Plan Authorization form that we encourage you to complete. and Please contact me with any questions. I picked up the phone again and called the individual who signed the email, XXXX XXXX. I went through the entire story from XXXX XXXX, telling her that I wanted to make sure that this was not a loan modification, but rather the deferment from XXXX XXXX. XXXX XXXX assured me not to worry about anything, but do complete the paperwork so that they can complete my PAYMENT ASSISTANCE. I of course thought this was the deferral for XXXX XXXX, even though it had only been 3 months since the disaster. This made perfect sense to me based on how the COVID 19 disaster Relief was handled in chinks of months. I did not think further about it. * * * See item 14 attached. Email from XXXX On XXXX, XXXX, I received another email from Wells Fargo Consumer Lending, stating Youll receive your PAYMENT ASSISTANCE documents soon. We will need these documents to complete your PAYMENT ASSISTANCE Not Loan Modification PAYMENT ASSISTANCE. The email further went on to say Weve sent you documents to complete for your PAYMENT ASSISTANCE. When you receive them you will need to sign, have notarized ( if required ) and return them by the due date provided in the document package. This communication was coded XXXX ________________________?? * * * See Item 15 attached.Email from Wells Fargo APPLICATIONS. \nThinking that this was the first portion of payment deferrals for the XXXX XXXX, it did not ruffle my feathers. Nothing had been said to me above a modification in months, or how a modification would work, or that they would pull my deferred amounts and add them back into my loan, which was already inflated by the incorrect reductions done by Wells Fargo Home Mortgage Co by not reducing my loan by the full deferral amount as directed by XXXX XXXX during the COVID 19 disaster. \nOn XX/XX/XXXX, I received another email at XXXX EST, from Wells Fargo XXXX (? ) Subject line was : Wells Fargo XXXX XXXX. In this email Wells Fargo Home Mortgage Co stated : We are reaching out to you today regarding the final documents. Congratulations once again on the APPROVAL. It did not state Approval for what ie deferment, modification, forebearance? It further stated We sent the final agreement documents to you on XX/XX/XXXX and have ordered a mobile notary for you, and they will call and schedule an appointment. Please return the signed documents, dated and notarized. Additional instructions may be provided by the notary when they contact you for the signing appointment. We have provided the XXXX tracking numbers for your convenience ( Tracking numbers for what??? ) Please continue making ongoing monthly loan payments. Nowhere did it say anything about a modification, indicate any dollar amounts, nothing about the transaction that I later found out happened to me. ANOTHER INTERESTING POINT On XX/XX/XXXX they sent the email address above, and attached as well, stating that the paperwork was sent out on XX/XX/XXXX. Yet there were at least 2 earlier emails in XX/XX/XXXX, stating that the paperwork would be forthcoming. I had not seen any detailed modification paperwork * * * Seeitem 16 attached. Email from Well Fargo Home Mortgage Co. \nI continued making payments as normal. I do not recall signing a loan modification, or having a mobile notary come to my home. I did not look at my mortgage statement on a regular basis, because they were emailed to me, as encouraged by Wells Fargo Home Mortgage. I just made sure that my payments were made, and that if I had any late payments, that I caught them up. I also never truly looked at my XXXX, instead I just handed them over to the person that did my taxes. \nThis brings us to XXXX of XXXX. I am XXXX, and finally at a place where I can retire, relax, and spend time with my daughters and my XXXX grandchildren. I had worked since I was XXXX XXXX XXXX, and I was so excited to be able to take a break and enjoy life for once. However, my plan hinged on me selling my home/condo, of which I had equity in that would make this possible. \nI listed my home/ condo, and had a cash offer the first week that it was listed. This of course prompts realtors and owners into all kind of actions and activities that need to be completed so the closing can happen on time. \nWell, one of those items was my mortgage payoff amount. Im thinking it is around {$170000.00}, with the additional deferred amount of {$28000.00} Math attached. Imagine my utter shock and surprise when my realtor told me that it was {$230000.00}!! That amount was more than the original mortgage I took out in XXXX which was for {$220000.00}. \n\nI called Wells Fargo, knowing they would re-direct me to XXXX XXXX XXXX XXXX XXXX because also in XX/XX/XXXX I was notified that my mortgage was sold to XXXX XXXX, XXXX XXXX XXXX. I was redirected to XXXX XXXX, XXXX XXXX XXXX. I was told that yes, that is the correct payoff amount, and I tried to explain no, there is no way that can be. XXXX XXXX XXXX XXXX XXXX told me they would send over the information that they were given by Wells Fargo Home Mortgage when they purchased my mortgage from them. \n\nI have attached what I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to me their official Loan History Summary given to them by Wells Fargo Home Mortgage as part of the package that supported my mortgage loan and its value/worth. * * * See item 17and 18 attached. XXXX Loan History Summary.\n\nXXXX XXXXXXXX XXXX XXXX  XXXX has 3 different dates for my loan origination as shown on documents that they have shared with me. They have XXXX, XXXX, and XXXX. Yet on the Welcome letter from them they do acknowledge the XXXX date and amount. \nI sent Notice of error to Wells Fargo Home Mortgage Co and XXXX XXXX XXXX XXXX XXXX on ______________. \n\nAs stated above, XXXX XXXX XXXX XXXX XXXX replied in the attached referenced documents. \n\nWells Fargo replied on XX/XX/XXXX denying any errors and attaching my Customer Account Activity document from inception of the mortgage in XXXX. Also attached was a loan modification that I was seeing for the first time. * * * See item 19 attached. XXXX Response to Notice of Error When taking a closer look at the modification the following items were noted : The date was XX/XX/XXXX. I was receiving communications about some type of payment assistance in XX/XX/XXXX. There is no loan number on the document. Thet is a handwritten number that does not match my loan number. The amount of the modification is listed as {$12000.00}, which is the amount iin arrears during the disater relief period for XXXX XXXX and were to be deferraled for up to 12 months, per Fannie Mae directives for XXXX XXXX starting in XXXX. \nIN ADDITION, looking closely at the Modification document, you will note that Wells Fargo Home Mortgage quietly rolled my deferrals totaling {$28000.00} back into my loan, yet they had not corrected the {$21000.00} had not been properly removed from my loan balance as should have been when the deferral went through. My mortgage now became over stated, and I had been paying interest ( $ XXXX plus ) on the {$21000.00} that should not have been in my balance. That coupled with the {$12000.00} that Wells Fargo Home Mortgage took from being a disaster relief amount to a straight up arrears collection foreclosure amount, erroneously increased my loan balance by the deferred amount of {$28000.00}, the ghost amount never reduced from my loan balance when the deferrals went through of {$21000.00}, the {$12000.00} that was to be deferred under the XXXX XXXX disaster relief program, and the approximately {$8800.00} in additional interest that I paid. \n\nThe Notice of errors was sent out over 7 times. Each notice was acknowledged by Wells Fargo Home Mortgage and XXXX XXXX XXXX XXXX XXXX, but both responded each time that there were no errors. They were looking at the same documents that I was. In fact, they provided me with the documents in an attempt to prove that there were no errors. \nI now am forced to go back into the fulltime workplace due to the shortage of monies that were improperly and illegally withheld from me. \nDISCREPANCIES IN LOAN ORIGINATION DATA ( RE-AGING ) Actual Origination Date : XX/XX/XXXX. \nXXXX  Reported Dates : Documentation provided by XXXX inconsistently lists the loan origination as XXXX, XXXX, and XXXX. \nImpact of Error : These inaccurate dates constitute an unauthorized \" re-aging '' of the loan. This effectively erases a decade of my verified payment history and allows the servicer to hide the accounting errors that occurred between XXXX and XXXX. \nSupporting Evidence : See Items 20 and 21 ( XXXX  Loan History Summary and Welcome Letter ).\n\nIn summation the following is what happened to me, along with violations carried out by Wells Fargo Home Mortgage and XXXX XXXX XXXX XXXX XXXX, legal pursuable counts, and financial damage, both base and potential, to the customer : FINAL SUMMATION OF VIOLATIONS AND DAMAGES Statutory Violations : Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly depriving a senior of home equity through accounting manipulation and the refusal to correct known errors.\n\nFDUTPA ( Fla. Stat. 501.201 ) : Deceptive acts involving the coercion into modification, under the guise of \" foreclosure ''. A COPY of a modification that was backdated to XX/XX/XXXX, but per Wells Fargo own emails, the paperwork was not sent out at the date on the alleged, forced by threat, modification.\n\nRESPA & FCRA : Failure to conduct a reasonable investigation after eight formal notices of error and the unauthorized re-aging of the loan history to XXXX. \nRealized Financial Damages : Principal Discrepancy : {$21000.00} ( The total amount improperly left in the principal balance following the XXXX and XXXX deferral errors ).\n\nUnearned Interest Paid : ~ {$8800.00} ( Estimated additional interest paid on the \" ghost principal '' balance ).\n\nMisapplied XXXX XXXX Arrears : {$12000.00} ( Amount that was to be deferred under disaster relief guidelines but was instead rolled into a modification ).\n\nTotal Equity Discrepancy : {$44000.00} ( The gap between the expected payoff of ~ {$180000.00} and the actual payoff demand of {$230000.00} ).\n\nNon-Economic Damages : o Loss of retirement security, forced re-entry into the full-time workforce at age XXXX, and severe emotional distress caused by the threat of foreclosure and the erasure of 10 years of credit history.\n\nA. List of Reported Violations Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly and through deception depriving a senior citizen of their home equity by failing to properly apply mandated deferrals.\n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 ) : Engaging in unfair methods of competition and unconscionable acts, specifically the issuance of \" backdated '' modification documents to hide servicing errors.\n\nRESPA Regulation X Violations : Failure to maintain accurate servicing records and failure to conduct a \" reasonable investigation '' after eight ( 8 ) formal notices of error.\n\nFair Credit Reporting Act ( FCRA ) Violations : Intentional \" Re-aging '' of the loan origination date to XXXX, effectively erasing years of positive payment history and damaging my creditworthiness.\n\nBreach of Fiduciary Duty : Failure to exercise the required duty of care in the administration of government-mandated COVID-19 and XXXX XXXX assistance programs.\n\nB. Legal Violation Counts 1. Manufactured Default : Intentionally flipping protected \" Disaster Relief '' payments into \" Foreclosure Collections '' to force a modification.\n\n2. Fraudulent Inducement : Coercing a \" Loan Modification '' through the use of threat of foreclosure, when customer was on XXXX XXXX Disaster Relief program, but deceptively dated XX/XX/XXXX. \n3. Double Capitalization/Double Dipping : Intentionally leaving {$21000.00} in the principal balance despite two formal deferral agreements, allowing the servicer to collect \" ghost interest '' on funds that should have been moved to the back of the loan.\n\n4. Agency Guideline Non-Compliance : Direct violation of XXXX XXXX COVID-19 and XXXX XXXX disaster relief mandates regarding the reduction of loan balances.\n\nSUMMARY OF LEGAL AND ACCOUNTING VIOLATIONS ( 14 COUNTS ) 1. Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly depriving a senior of home equity through systematic accounting manipulation.\n\n2. FDUTPA Violation ( Fla. Stat. 501.201 ) : Deceptive trade practices, specifically the use of backdated modification documents.\n\n3. RESPA Regulation X 1024.35 : Failure to conduct a \" reasonable investigation '' after eight formal notices of error.\n\n4. RESPA Regulation X 1024.38 : Failure to maintain accurate records regarding the XXXX XXXX XXXX Disaster Relief deferment. \n5. FCRA Violation ( Fair Credit Reporting Act ) : Unauthorized \" re-aging '' of the loan to XXXX, erasing my actual XXXX origination history. \n6. Breach of Fiduciary Duty : Failure to exercise the required duty of care in administering government-mandated COVID-19 assistance.\n\n7. Negligent Servicing : Systematic failure to apply disaster relief credits as required by XXXX XXXX guidelines. \n8. Fraudulent Inducement : Coercing a modification through a document produced in XX/XX/XXXX but backdated to XX/XX/XXXX. \n9. Manufactured Default : Flipping protected XXXX XXXX relief payments into foreclosure collections ( Email Code XXXX ). \n10. Principal Balance Discrepancy : Failure to account for the {$21000.00} discrepancy left in my balance after two deferrals.\n\n11. Interest Overcharge : Illegal capitalization of approximately {$8800.00} in \" ghost interest '' on funds that should have been deferred.\n\n12. Agency Guideline Violation : Direct breach of XXXX XXXX XXXX XXXX \" Lender Letter '' mandates for servicers. \n13. Internal Coding Error : Misuse of service codes to bypass the \" Deferred '' status promised in communications.\n\n14. Systemic Bad Faith Accounting : Intentional \" book cleaning '' and data re-aging during the transfer to XXXX. \n\nIn closing : I have submitted this same complaint this evening to you all, the CFPB, as well as XXXX XXXX, The Florida Attorney General, and the XXXX XXXX XXXX XXXX XXXX. \n\nIt is my hope that now that I have forensically gone through the data, that this complaint will be taken seriously than it has been taken this past year, by all parties involved. I have been trying to resolve this since XX/XX/XXXX.","date_sent_to_company":"2026-05-14T22:52:40.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"334XX","tags":"Older American","has_narrative":true,"complaint_id":"22222473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-14T22:15:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Wells Fargo Home Mortgage Co. once again reached out to its <em>customers</em> with disaster relief on XX/XX/XXXX, at XXXX EDT, via emails with coded XXXX, ( disaster relief ) to their <em>customers</em>. A 12-month deferral period was extended to Wells Fargo Home Mortgage Co. <em>customers</em> for Hurricane XXXX as part of the Disaster Relief <em>program</em>, as directed by XXXX XXXX . * * * See item 6 attached."]},"sort":[5.705946,"22222473"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":83,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":83}]}},"product":{"doc_count":83,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":48,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":48}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":12},{"key":"Other 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