{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":66,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7621488","_score":20.284882,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. \n\nMy account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX  ( 12 U.S.C. 5481 ). \n\nHaving thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. \n\nPayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. \n\nI beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. \n\nI stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-10-02T20:03:32.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"7621488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-10-02T19:44:42.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite my <em>compliance</em>, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the <em>Electronic</em> Fund <em>Transfer</em> Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing <em>electronic</em> fund <em>transfers</em>. \n\nPayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user <em>funds</em>, arguably violating the <em>Truth</em> in Savings Act ( 12 U.S.C. 4301 )."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["Trouble accessing <em>funds</em> in your mobile or digital wallet"]},"sort":[20.284882,"7621488"]},{"_index":"complaint-public-v1","_id":"9728042","_score":19.530388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Billing error 15 USC 1666b XXXX car XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. \nXXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. \nTimely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. \nCertificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.","date_sent_to_company":"2024-08-13T17:29:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9728042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-06T15:37:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Timely Payment and ETF Act <em>Compliance</em> : <em>Under</em> the <em>Electronic</em> <em>Funds</em> <em>Transfer</em> ( ETF ) Act and the <em>Truth</em> in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required <em>under</em> an open-end credit customer credit plan."]},"sort":[19.530388,"9728042"]},{"_index":"complaint-public-v1","_id":"9988495","_score":19.527374,"_source":{"product":"Credit card","complaint_what_happened":"Billing error 15 USC 1666b 16 XXXX  XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : XXXX XXXX public law 73-10 Full faith and credit I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that BOA has not credited my account with dividends derived from treasury coupons via the ETF Act . These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.","date_sent_to_company":"2024-09-03T02:41:17.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9988495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-03T02:32:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["Timely Payment and ETF Act <em>Compliance</em> : <em>Under</em> the <em>Electronic</em> <em>Funds</em> <em>Transfer</em> ( ETF ) Act and the <em>Truth</em> in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required <em>under</em> an open-end credit customer credit plan."]},"sort":[19.527374,"9988495"]},{"_index":"complaint-public-v1","_id":"9988342","_score":19.527374,"_source":{"product":"Checking or savings account","complaint_what_happened":"Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Capital One Bank, account number Finance Charges and Credit Indebtedness : It has come to my attention that Capital One Bank has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. XXXX Forms : Additionally, Bank XXXX XXXX has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.","date_sent_to_company":"2024-09-03T02:54:33.000Z","issue":"Closing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9988342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-09-03T02:45:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Timely Payment and ETF Act <em>Compliance</em> : <em>Under</em> the <em>Electronic</em> <em>Funds</em> <em>Transfer</em> ( ETF ) Act and the <em>Truth</em> in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required <em>under</em> an open-end credit customer credit plan."]},"sort":[19.527374,"9988342"]},{"_index":"complaint-public-v1","_id":"9728040","_score":19.525639,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the XXXX Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. \nXXXX Forms : Additionally, Bank of America has failed to provide me with all copies of Form XXXX for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. \nTimely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. \nCertificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.","date_sent_to_company":"2024-08-14T14:21:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9728040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-06T15:37:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Timely Payment and ETF Act <em>Compliance</em> : <em>Under</em> the <em>Electronic</em> <em>Funds</em> <em>Transfer</em> ( ETF ) Act and the <em>Truth</em> in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required <em>under</em> an open-end credit customer credit plan."]},"sort":[19.525639,"9728040"]},{"_index":"complaint-public-v1","_id":"9722221","_score":19.525639,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. \n1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. \nTimely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. \nCertificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.","date_sent_to_company":"2024-08-06T15:37:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"9722221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-06T15:14:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Timely Payment and ETF Act <em>Compliance</em> : <em>Under</em> the <em>Electronic</em> <em>Funds</em> <em>Transfer</em> ( ETF ) Act and the <em>Truth</em> in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required <em>under</em> an open-end credit customer credit plan."]},"sort":[19.525639,"9722221"]},{"_index":"complaint-public-v1","_id":"8629332","_score":19.248472,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The Electronic Funds Transfer Act ( EFTA ) and my consumer rights. Under EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized transfer event, which does not involve the loss or theft of an access device.\n\nDespite my repeated verbal notices to the financial institution regarding this unauthorized transfer, Chase has failed to acknowledge or address my concerns, thereby violating my rights as a consumer. According to Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by providing pertinent information to the financial institution, regardless of whether a specific employee receives the information or not.\n\nFurthermore, it is evident that this unauthorized electronic transfer qualifies as an \" error '' under Regulation E 's liability and error resolution provisions, as stipulated in Section 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es error resolution procedures must be followed by the financial institution in response to any oral or written notice of error from the consumer, as outlined in Section 205.11.\n\nDespite these legal obligations, JP Morgan Chase Bank has failed to comply with the necessary error resolution procedures and has neglected to address my concerns regarding the unauthorized transfer.\n\nI am requesting immediate action to rectify this matter, including but not limited to : 1. A thorough investigation into the unauthorized transfer.\n\n2. Reversal of the unauthorized transaction and restoration of my account.\n\n3. Confirmation of compliance with Regulation E 's error resolution procedures.\n\n4. Assurance of measures to prevent such incidents in the future.\n\nFailure to address this matter promptly will compel me to seek further action through regulatory authorities and legal channels. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that JP Morgan Chase Bank fulfills its obligations under the law and upholds consumer rights.\n\nThank you for your attention to this matter.","date_sent_to_company":"2024-03-26T22:37:45.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"8629332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-26T22:21:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The <em>Electronic</em> <em>Funds</em> <em>Transfer</em> Act ( EFTA ) and my consumer rights. <em>Under</em> EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized <em>transfer</em> event, which does not involve the loss or theft of an access device."],"issue":["Problem caused by your <em>funds</em> being low"]},"sort":[19.248472,"8629332"]},{"_index":"complaint-public-v1","_id":"10207397","_score":19.131601,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX Account XXXX Dear Navy Federal, I am writing to formally request the immediate removal of the restrictions placed on my account ( Account Number : XXXX ) and ( Account XXXX ). After careful review, I believe that these restrictions are in violation of several key consumer protection laws and regulations, including the XXXX XXXX XXXX XXXX and Consumer Protection Act, the Uniform Commercial Code ( UCC ), the Fair Credit Reporting Act ( FCRA ), and other applicable consumer protection statutes. \n\nUnder FCRA XXXX XXXX. XXXX ( b ), furnishers are required to provide accurate information and correct any inaccuracies in a timely manner. Navy Federal Credit Union has failed to verify the accuracy of the information related to my account. Additionally, the restrictions imposed on my account, including denial of access to a debit card and other basic banking functions, violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, XXXX XXXX. XXXX prohibits false or misleading representations, and XXXX XXXX. XXXX prohibits unfair practices, such as restricting account access without clear justification or notice 1. XXXX XXXX XXXX XXXX and Consumer Protection Act Violation : Under the Dodd-Frank Act, consumers are protected against unfair, deceptive, and abusive practices by financial institutions. The restrictions placed on my account without reasonable justification violate these protections. Specifically, the Consumer Financial Protection Bureau ( CFPB ), empowered by XXXX XXXX XXXX that financial institutions deal fairly and transparently with account holders. I request a thorough review of this violation and immediate action to lift the restrictions on my account. \n\n2. Uniform Commercial Code ( UCC ) Violations : The XXXX governs transactions between financial institutions and account holders, ensuring that funds are managed and disbursed appropriately. The following XXXX sections may have been violated in this situation : XXXX XXXX : Banks are required to honor customer transactions unless there is a specific legal reason not to. The restriction of my account without proper justification violates this code. \nXXXX XXXX : Protects account holders from unauthorized or wrongful transactions. Blocking access to my account without notice constitutes an unjust action that goes against these provisions. \n\nI demand a review of the compliance with the XXXX, specifically regarding these articles, and request immediate access to my account. \n\n3. Fair Credit Reporting Act ( FCRA ) Violations : If any information related to this restriction has been reported to credit agencies, it may constitute a violation of the Fair Credit Reporting Act, which ensures accuracy and fairness in the reporting of consumer information. FCRA mandates that credit reports be free from inaccurate, misleading, or unverified information. I request a full investigation into whether Navy Federal Credit Union has engaged in any adverse credit reporting related to this matter, and if so, I demand immediate rectification.\n\n4. Truth in Lending Act ( TILA ) Violations : The Truth in Lending Act ensures transparency regarding the terms and conditions of consumer accounts, including any changes that may impact account holders. If the restriction on my account was related to any undisclosed or unclear terms, this could be a violation of TILA, which guarantees consumers receive proper disclosures. I request that you review this matter to ensure compliance with all TILA provisions.\n\n5. Electronic Fund Transfer Act ( EFTA ) Violations : If any unauthorized electronic restrictions or limitations have been placed on my account, they may be in violation of the Electronic Fund Transfer Act ( EFTA ). The EFTA protects consumers in cases of errors or unauthorized limitations on their ability to access their funds. I request immediate confirmation that this restriction complies with EFTA regulations. \n\n6. Gramm-Leach-Bliley Act ( GLBA ) Compliance : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to ensure the protection and privacy of consumer financial data. If this account restriction has resulted from a failure to adequately protect or manage my account, this could be a violation of the GLBA. I ask for a review of this issue to ensure that my personal financial information remains protected in compliance with the law. \n\nRequest for Immediate Action : In light of these potential violations of consumer protection laws, I respectfully request that you : Immediately lift the restrictions on my account.\n\nProvide a detailed explanation of why these restrictions were placed.\n\nEnsure that no adverse reporting has been made to credit agencies under the Fair Credit Reporting Act.\n\nReview the handling of my account for compliance with all relevant laws and regulations, including the Dodd-Frank Act, UCC, FCRA, TILA, EFTA, and GLBA.\n\nTruth in Lending Act ( TILA ) : Requires transparency in lending practices and disclosure of terms.\n\nElectronic Fund Transfer Act ( EFTA ) : Protects consumers against unauthorized transactions and electronic fund transfer issues.\n\nGramm-Leach-Bliley Act ( GLBA ) : Governs the privacy and security of personal financial information held by financial institutions.\n\nIf this issue is not resolved promptly, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other appropriate regulatory authorities.\n\nPlease confirm receipt of this letter and provide a written response outlining the steps Navy Federal will take to address this matter. I appreciate your prompt attention to this serious issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-22T15:39:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"10207397","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-09-22T15:34:15.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Ensure that no adverse reporting has been made to credit agencies <em>under</em> the Fair Credit Reporting Act.\n\nReview the handling of my account for <em>compliance</em> with all relevant laws and regulations, including the Dodd-Frank Act, UCC, FCRA, TILA, EFTA, and GLBA.\n\n<em>Truth</em> in Lending Act ( TILA ) : Requires transparency in lending practices and disclosure of terms.\n\n<em>Electronic</em> Fund <em>Transfer</em> Act ( EFTA ) : Protects consumers against unauthorized transactions and <em>electronic</em> fund <em>transfer</em> issues."]},"sort":[19.131601,"10207397"]},{"_index":"complaint-public-v1","_id":"11286086","_score":18.9842,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Formal Complaint Against Square XXXX  , Inc. for Fraudulent Misrepresentation, Deceptive Practices, Illegal Fund Holds, and Violation of Federal and North Carolina Laws I am filing this complaint against Square XXXX  , Inc., citing egregious violations of federal and state consumer protection laws, electronic funds transfer regulations, and truth in advertising statutes. Square Payments misrepresented their services multiple times, deceptively manipulated me into signing up, and illegally withheld my funds. These actions have caused devastating harm to my business, my livelihood, and my familys well-being. \n________________________________________ Summary of Facts XXXX. XX/XX/XXXX Pre-Signup Assurances ( Two Separate Calls ) : On XX/XX/XXXX, before signing up for a Square XXXX  account, I contacted Square support via phone. I explicitly asked whether, if I signed up that day, I would be able to send invoices, have them paid, and instantly transfer funds to my bank account the same day. I also inquired whether there would be any holds or further reviews. The support agent explicitly assured me there would be no holds or reviews, and I could instant transfer funds on the same day of signup, provided I paid the 1.75 % instant transfer fee. \n\nLater that same day, I contacted Square support again with additional questions before signing up. During this second pre-signup call, I once again asked whether I could instant transfer funds on the same day if I signed up. The second agent repeated the same assurance : I would face no holds or reviews, and instant transfer would be available the same day if I paid the instant transfer fee. \n\n2. XX/XX/XXXX Sign-Up, Invoice, and Fund Hold : Based on these two separate assurances, I signed up for a Square Payments  account on XX/XX/XXXX. I created and sent an invoice that was promptly paid the same day. However, when I attempted to perform an instant transfer of the funds to my bank account, Square refused, citing account holds. This directly contradicted the explicit assurances given by both pre-sales support agents. \n\nSquare refused to acknowledge their misrepresentations, take responsibility for the lies, or rectify the situation. \n\n3. XX/XX/XXXX Third Assurance and Failure : On XX/XX/XXXX, I contacted Square via chat support to inquire about the account holds. I was informed that the holds had been lifted and that I could now send another invoice and perform an instant transfer without any issues. \n\nBased on this third assurance, I sent another invoice on XX/XX/XXXX, which was promptly paid. However, Square again refused to allow me to access my funds via instant transfer, contradicting their explicit assurances for the third time. \n\n4. Devastating Impact : Squares lies and repeated manipulation have caused irreparable harm to my business. I now lack the working capital needed to sustain operations, pay business expenses, or support myself and my family. We are facing financial devastation, with no access to food or basic necessities. \n\nSquare continues to illegally withhold my funds, refuses to take responsibility for their fraudulent misrepresentations, and refuses to provide transcripts of the voice support calls or chat conversations, further obstructing accountability. \n\nLaws and Statutes Violated Federal Laws : 1. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\n1693c : Square failed to clearly disclose the true terms and conditions for electronic fund transfers, specifically regarding holds and instant transfers.\n\n1693e : Square failed to process authorized instant transfers in a timely manner, violating the consumer 's right to control electronic fund transfers.\n\n1693f : Square failed to provide a written explanation for the holds and refused to resolve the dispute promptly. \n\n2. Federal Trade Commission Act ( FTC Act ) 15 U.S.C. 45 Square engaged in Unfair and Deceptive Acts and Practices ( UDAP ) by : Misrepresenting their services and policies regarding instant transfers. \n\nIllegally holding funds and profiting from interest on withheld funds without disclosing this practice. \n\n3. Truth in Advertising 15 U.S.C. 52 Squares pre-sales assurances constitute false advertising, as they failed to deliver on the promised instant transfer services.\n\nNorth Carolina State Laws : 1. North Carolina Unfair and Deceptive Trade Practices Act ( UDTPA ) N.C. Gen. Stat. 75-1.1 Squares repeated misrepresentations and fund holds are unfair and deceptive practices under 75-1.1. \n\n2. North Carolina Identity Theft Protection Act N.C. Gen. Stat. 75-60 et seq.\n\nBy retaining control of my funds without authorization, Square increases the risk of unauthorized access, violating my right to financial privacy under 75-63. \n________________________________________ Relevant Case Law Federal Cases : XXXX. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX ( XXXX ) : XXXX was fined {$25.00} XXXX for failing to provide adequate disclosures and engaging in deceptive practices related to fund holds. This precedent underscores Squares similar violations of the EFTA and FTC Act. \n\nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : XXXX was found liable for arbitrarily holding funds and failing to resolve disputes, violating consumer rights under the EFTA. \nNorth Carolina Cases : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Established that deceptive practices causing financial harm violate the UDTPA. \nXXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) : Affirmed that financial institutions owe a fiduciary duty to act in good faith. \n\nRelief Requested 1. Immediate Release of Funds : Require Square to release all withheld funds without further delay. \n\n2. Investigation : Launch a formal investigation into Squares deceptive practices and violations of federal and state laws. \n3. Compensation for Damages : 1. Seek financial compensation for : Lost business revenue. \nEmotional distress and hardship. \nPunitive damages for deceptive practices. \n2. Regulatory Oversight : Enforce stricter oversight of Squares practices to prevent future violations. \n\nSquare Payments actions constitute clear violations of federal and state laws, including the : EFTA, FTC Act, and UDTPA. \nTheir repeated misrepresentations and illegal withholding of funds have caused significant harm to my business and personal life. I request immediate action to hold Square accountable and ensure compliance with applicable laws.","date_sent_to_company":"2024-12-27T04:24:43.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"27834","tags":null,"has_narrative":true,"complaint_id":"11286086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-12-27T04:17:48.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Formal Complaint Against Square XXXX  , Inc. for Fraudulent Misrepresentation, Deceptive Practices, Illegal Fund Holds, and Violation of Federal and North Carolina Laws I am filing this complaint against Square XXXX  , Inc., citing egregious violations of federal and state consumer protection laws, <em>electronic</em> <em>funds</em> <em>transfer</em> regulations, and <em>truth</em> in advertising statutes."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"issue":["Trouble accessing <em>funds</em> in your mobile or digital wallet"]},"sort":[18.9842,"11286086"]},{"_index":"complaint-public-v1","_id":"8659574","_score":17.752695,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against Navy Federal Credit Union for its blatant disregard of its commitment to its members and the mishandling of a situation involving unauthorized transactions on my account. Despite claiming to be dedicated to its members, Navy Federal Credit Union has failed to uphold its obligations under The Electronic Funds Transfer Act ( EFTA ) and has violated my consumer rights. My private information was compromised, leading to unauthorized transactions of my funds. As a responsible member, I promptly alerted Navy Federal Credit Union to seek assistance in rectifying this error. However, instead of providing the necessary support and assistance, Navy Federal Credit Union made matters worse by closing my accounts and forcing indebtedness upon me.This is not the treatment I expect or deserve as a member since XXXX. Navy Federal Credit Union 's actions are not only unjust but also in clear violation of the EFTA and my consumer rights.Under EFTA Regulation E ( 12 CFR 205.6 ), I fulfilled my obligation by notifying Navy Federal Credit Union within the mandated 60 calendar days following the unauthorized transfer event, as stated in the periodic statement. Despite making multiple verbal notices and personally visiting the bank to provide relevant information and request new account details, Navy Federal Credit Union chose to disregard my concerns and take drastic actions against me.As per Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by taking reasonable steps to provide pertinent information to the financial institution, regardless of whether a specific employee receives the information. Navy Federal Credit Union 's failure to acknowledge this provision is deeply concerning and highlights its lack of commitment to its members ' well-being.Furthermore, as per the Truth In Lending Act, Section 205.12 ( a ) ( 1 ) ( iii ) specifies that Regulation Es liability and error resolution provisions apply to situations where the consumers account is overdrawn or when maintaining a specified minimum balance. The unauthorized Electronic Funds Transfer in my case clearly qualifies as an \" error '' that Navy Federal Credit Union is obligated to address and resolve promptly.I am not liable for any unauthorized transactions, and Navy Federal Credit Union 's actions have caused significant distress and inconvenience. Therefore, I am seeking the following actions to rectify this matter : Immediate reversal of any unauthorized transactions and restoration of funds to my account.Reinstatement of my accounts or provision of suitable alternatives.Confirmation of compliance with Regulation E 's error resolution procedures.Implementation of measures to prevent similar incidents in the future.I expect a prompt and satisfactory resolution to this matter. Failure to address these concerns will compel me to escalate this issue further, including seeking assistance from regulatory authorities and pursuing legal action against Navy Federal Credit Union.I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and ensure that Navy Federal Credit Union fulfills its obligations under the law and upholds its commitment to its members.Thank you for your attention to this urgent matter. I look forward to your prompt response.","date_sent_to_company":"2024-03-30T12:45:41.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33064","tags":"Servicemember","has_narrative":true,"complaint_id":"8659574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-30T12:34:57.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite claiming to be dedicated to its members, Navy Federal Credit Union has failed to uphold its obligations <em>under</em> The <em>Electronic</em> <em>Funds</em> <em>Transfer</em> Act ( EFTA ) and has violated my consumer rights. My private information was compromised, leading to unauthorized transactions of my <em>funds</em>. As a responsible member, I promptly alerted Navy Federal Credit Union to seek assistance in rectifying this error."]},"sort":[17.752695,"8659574"]},{"_index":"complaint-public-v1","_id":"19337640","_score":17.081379,"_source":{"product":"Checking or savings account","complaint_what_happened":"BMO Bank N.A . \nExecutive Customer Relations / Fraud Investigations / Legal Compliance Re : Identity Theft Losses, Wrongful Reversal of Provisional Credits, and Formal Demand for Full Reimbursement Customer : XXXX XXXX This letter serves as a formal legal demand for immediate reimbursement of all funds lost as a result of confirmed identity theft and BMOs improper reversal of provisional fraud credits.\n\nBMO has already acknowledged in writing that my identity theft claim is valid and that my account activity was fraudulent and compromised. Despite this admission, my statements show numerous Reverse Provisional Credit entries where BMO initially credited unauthorized transactions and later removed those credits, re-debiting my account and forcing me to absorb substantial losses.\n\nUnder the Electronic Fund Transfer Act ( Regulation E ), the Truth in Lending Act, and applicable federal and California consumer protection laws, BMO is legally required to : conduct a reasonable and documented investigation provide written findings prove authorization before re-debiting funds permanently reimburse all unauthorized transfers, fees, and losses Reversing provisional credits without proof of authorization is non-compliant with federal banking regulations and exposes BMO to liability for actual damages, statutory damages, and attorneys fees. \n\nFor reference, the following claims have been opened and documented : Primary BMO Claim XXXX XXXX  BMO 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 XXXX XXXX XXXX Additionally, BMO recently issued a cashiers check in the amount of {$15.00}. This payment is wholly insufficient and does not represent reimbursement of the documented fraud losses, which exceed {$70000.00}. \n\nThis check has not been cashed and will not be negotiated. It is expressly rejected and does not constitute settlement, accord and satisfaction, or waiver of any claims. \n\nA nominal payment does not satisfy BMOs statutory obligations to fully reimburse unauthorized transactions.","date_sent_to_company":"2026-02-08T07:35:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90301","tags":null,"has_narrative":true,"complaint_id":"19337640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-02-08T07:17:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Under</em> the <em>Electronic</em> Fund <em>Transfer</em> Act ( Regulation E ), the <em>Truth</em> in Lending Act, and applicable federal and California consumer protection laws, BMO is legally required to : conduct a reasonable and documented investigation provide written findings prove authorization before re-debiting <em>funds</em> permanently reimburse all unauthorized <em>transfers</em>, fees, and losses Reversing provisional credits without proof of authorization is non-compliant with federal banking regulations and exposes BMO to liability"],"sub_issue":["<em>Funds</em> not handled or disbursed as instructed"]},"sort":[17.081379,"19337640"]},{"_index":"complaint-public-v1","_id":"12223981","_score":16.940485,"_source":{"product":"Debt collection","complaint_what_happened":"I demand the immediate removal of this account from my credit report if XXXX XXXX is unable to show proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by XXXX XXXX under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below. In addition to disputing the validity of this alleged debt, I am demanding an immediate return of funds that were withdrawn from my account after the debt was officially charged off. \n\nXXXX XXXX has violated consumer financial protection laws by processing payments on an account that, according to their own reporting, was charged off and written down by {$930.00}. This action constitutes unauthorized debiting, improper collections, and financial misrepresentation. \n\nXXXX. Immediate Demand for Full Refund of Improperly Withdrawn Funds Under the Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. XXXX et seq., XXXX XXXX had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. \n\nPursuant to XXXX, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off. \nA detailed accounting of how and why XXXX XXXX initiated this unauthorized withdrawal after writing off the debt. \nProof that this withdrawal was lawfully authorized and did not constitute an unlawful attempt to collect on a debt XXXX XXXX had already written down for tax purposes. \nFailure to provide a full refund constitutes a violation of consumer protection laws and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and banking regulators. \n\nXXXX. Demand for Full Validation, Not Mere Verification ( XXXX & XXXX Compliance ) Under XXXX XXXX, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments. \nProof that XXXX XXXX suffered an actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. \nUnder XXXX XXXX, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. \n\nXXXX. Proof of Actual Loaned Funds ( XXXX  & XXXX XXXX ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. XXXX et seq., I demand : Proof that XXXX XXXX loaned me actual funds from their own capital, not simply credit created through bookkeeping entries. \nBanking records proving XXXX Inc.financial risk in the transaction, including wire transfer or funding records. \nAdditionally, per XXXX XXXX, I demand proof of holder in due course status, establishing XXXX XXXX legal right to collect any funds. \nIf XXXX XXXX sold, transferred, or securitized the debt, I demand proof of assignment and ownership under XXXX Article XXXX, XXXX. \n\nXXXX. IRS XXXX and XXXX Request ( IRS CXXXXe XXXX & XXXX U.S.C. XXXXXXXX ) Since XXXX XXXX reported {$930.00} as written off, I demand : A copy of IRS Form XXXX ( Cancellation of Debt ), as required under IRS CXXXXe Section XXXXP. \nA copy of IRS Form XXXX ( Acquisition or Abandonment of Secured Property ) if XXXX XXXX claimed a loss for tax purposes. \nClarification on how XXXX XXXX reported this charge-off to the IRS and whether they claimed a tax deduction for the loss. \nIf XXXX XXXX failed to issue these IRS forms, they are in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation. \n\nXXXX. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I demand : Proof that XXXX XXXX or any third-party collector has the legal right to collect this debt. \nIf the debt was sold or reassigned, I request documented proof of the new creditors legal standing. \nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if XXXX XXXX fails to provide legally required documentation proving their claim. \n\nXXXX. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since XXXX XXXX failed to provide consideration of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report. \nA written confirmation that XXXX XXXX has ceased all collection efforts. \nFailure to Respond Within XXXX Days Will Result in : If XXXX XXXX fails to respond within XXXX  days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices. \nA formal complaint with the IRS regarding failure to issue proper tax reporting forms ( XXXX ). \nA Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation. \nSupporting Federal Laws & Regulations : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. XXXX et seq. Protects against unauthorized withdrawals. \nUniform Commercial Code ( UCC ) : XXXX Demand for presentment of the original wet-ink signed promissory note. \nXXXX Holder in due course status and proof of assignment. \nXXXX Full accounting request. \nXXXX Proof of ownership and assignment of secured debt. \nTruth in Lending Act ( TILA ), 15 U.S.C. XXXX et seq. Requires proof of actual loaned funds and lawful contract consideration. \nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg Requires debt validation and prohibits improper collections. \nFair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Ensures accurate and lawful reporting of debt. \nIRS XXXX XXXX ( XXXX XXXX. XXXX ) Requires creditors to issue XXXX if a debt is written off.","date_sent_to_company":"2025-02-26T22:40:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"12223981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-26T22:11:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Immediate Demand for Full Refund of Improperly Withdrawn <em>Funds</em> <em>Under</em> the <em>Electronic</em> Fund <em>Transfer</em> Act ( XXXX ), 15 U.S.C. XXXX et seq., XXXX XXXX had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. \n\nPursuant to XXXX, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off."]},"sort":[16.940485,"12223981"]},{"_index":"complaint-public-v1","_id":"19914110","_score":16.705868,"_source":{"product":"Checking or savings account","complaint_what_happened":"I submit this complaint regarding unauthorized debits, misrepresentation of account status, and potential violations of federal consumer protection statutes by Truist Bank. \n\nI. FACTUAL BACKGROUND On XX/XX/year>, I deposited two checks into my personal checking account in the amounts of {$950.00} and {$8900.00}.\n\nPrior to completing the transaction, I specifically inquired at the above-referenced branch whether any hold would be placed on the checks. I was expressly assured by a bank representative that no hold would be placed and that the checks would clear the following day. \n\nOn XX/XX/year>, both checks reflected as cleared and deposited in my account. \n\nHowever, on that same date, Truist debited {$2100.00} from my account without prior notice, written explanation, authorization, or disclosure.\n\nWhen I returned to the branch, I was told this was a back-end office technology issue and directed to contact the fraud department. Upon doing so, I was informed that the debit represented a hold.\n\nThis explanation is inconsistent with banking practice and account presentation. A traditional hold restricts availability of funds ; it does not remove previously posted funds through a separate debit transaction while allowing the deposited checks to continue reflecting as cleared. The transaction history shows an actual debit, not a standard Regulation CC hold. \n\nOn XX/XX/year>, the original {$2100.00} debit disappeared from my account. However, it was replaced by a new debit in the amount of {$8900.00} the full amount of one of the deposited checks.\n\nI spoke with a supervisor in the fraud department who identified herself as XXXX. During that recorded call : She stated that the {$8900.00} debit was also a hold.\n\nShe agreed verbally that the transaction appears as a debit rather than a traditional hold.\n\nShe stated that the hold was scheduled to fall off on XX/XX/year>, but that it had not yet done so.\n\nThe matter was not resolved during the call. I informed the supervisor that I would be filing a complaint with the Consumer Financial Protection Bureau.\n\nAt no time have I received : Written notice of an extended hold as required under federal law ; Written notice of suspected fraud ; Written notice of adverse action ; Any documentation authorizing removal of funds ; A consistent explanation from the bank regarding the nature of these transactions.\n\nII. LEGAL CONCERNS AND POTENTIAL STATUTORY VIOLATIONS Based on the above conduct, Truist Banks actions may constitute violations of the following federal laws : 1. Expedited Funds Availability Act ( EFAA ) & Regulation CC ( 12 C.F.R. Part 229 ) If these transactions are being characterized as holds, Regulation CC requires : Proper written notice, Specific reason for the hold, Duration of the hold, and Disclosure of when funds will be available.\n\nInstead, Truist posted the checks as cleared and then removed funds through debit entries. No written hold notice was provided. The manner in which these funds were restricted appears inconsistent with Regulation CC requirements.\n\n2. Electronic Fund Transfer Act ( EFTA ) & Regulation E ( 12 C.F.R. Part 1005 ) If these debits constitute electronic fund transfers initiated by the bank without my authorization, they may qualify as unauthorized electronic fund transfers. Regulation E requires strict procedural safeguards and investigation requirements before debiting consumer funds under suspicion of fraud.\n\n3. Truth in Savings Act ( TISA ) If Truists deposit agreement does not clearly disclose the authority to reverse cleared funds in this manner, such conduct may violate disclosure requirements governing consumer deposit accounts.\n\n4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 The following conduct may constitute unfair or deceptive practices : Assuring a consumer that no hold would be placed ; Posting funds as cleared ; Removing funds via debit transactions while calling them holds; Providing conflicting explanations between branch personnel and fraud department ; Failing to provide legally required written disclosures.\n\nThe representation that these are holds while they function as debits may be materially misleading to a reasonable consumer.\n\nIII. SERIOUS CONCERNS The sequence of : Initial debit of {$2100.00} Removal of that debit Replacement with a debit of {$8900.00} Verbal admission that the transaction appears to be a debit rather than a traditional hold raises serious concerns regarding internal controls, transparency, and compliance with federal banking law.\n\nConsumers are entitled to clarity, accurate representations, and lawful procedures when access to deposited funds is restricted.\n\nIV. REQUEST FOR RELIEF I respectfully request that the CFPB require Truist Bank to : Immediately restore all improperly debited funds.\n\nProvide a written explanation of the legal authority relied upon to debit these funds.\n\nProvide copies of all internal records related to these transactions, including fraud flags, adjustment codes, and hold documentation.\n\nConfirm whether this action was taken pursuant to Regulation CC, Regulation E, or another statutory authority.\n\nConfirm whether this practice affects other consumers.\n\nI further request formal investigation into whether Truist is systematically recharacterizing debits as holds in a manner inconsistent with federal consumer protection laws.\n\nThis complaint is submitted under penalty of perjury that the foregoing is true and correct to the best of my knowledge.\n\nRespectfully submitted,","date_sent_to_company":"2026-03-03T01:04:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"37217","tags":null,"has_narrative":true,"complaint_id":"19914110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-03-03T00:13:10.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The manner in which these <em>funds</em> were restricted appears inconsistent with Regulation CC requirements.\n\n2. <em>Electronic</em> Fund <em>Transfer</em> Act ( EFTA ) & Regulation E ( 12 C.F.R. Part 1005 ) If these debits constitute <em>electronic</em> fund <em>transfers</em> initiated by the bank without my authorization, they may qualify as unauthorized <em>electronic</em> fund <em>transfers</em>. Regulation E requires strict procedural safeguards and investigation requirements before debiting consumer <em>funds</em> <em>under</em> suspicion of fraud.\n\n3."]},"sort":[16.705868,"19914110"]},{"_index":"complaint-public-v1","_id":"12204219","_score":16.63576,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint Against Citizens Bank Unexplained Account Hold & Verification Issues To Whom It May Concern, I am filing this complaint against Citizens Bank due to their failure to provide a valid reason for placing an unauthorized hold on my account, repeated refusal to verify my identity despite my compliance, and their lack of transparency in handling my funds.\n\nBackground of the Issue : 1. On [ date ], I contacted Citizens Bank to address an issue with my account. I fully verified my identity and provided all requested information.\n\n2. The representative placed me on hold for approximately five minutes and then transferred me to another department without informing me.\n\n3. Shortly after this transfer, an authorization hold was placed on my account without notification or explanation.\n\n4. When I called back to inquire, a fraud supervisor refused to provide a reason, stating that there could be multiple reasons and that Citizens Bank does not have to disclose this information.\n\n5. Despite repeated attempts to verify my account, customer service continues to claim that I can not be verified, even though I have provided all necessary information multiple times.\n\n6. Citizens Bank is denying me access to my own funds without any justification, which has caused significant stress and financial disruption.\n\nViolations & Consumer Protection Concerns : Lack of Disclosure : Under the Truth in Savings Act ( TISA ) and Electronic Funds Transfer Act ( EFTA ), banks are required to inform customers of account holds and provide a reason.\n\nFailure to Verify Me Properly : Despite verifying my identity multiple times, I am being told that I can not be verified, which raises concerns of negligence or discriminatory practices.\n\nFinancial Harm : This hold has prevented me from accessing my own money, potentially leading to missed payments, late fees, or other financial consequences.\n\nUnfair or Deceptive Banking Practices : Citizens Bank is refusing to explain why my funds are being withheld and is failing to provide adequate customer service to resolve the matter.\n\nRequested Resolution : I demand that : 1. Citizens Bank provide a written explanation for the authorization hold placed on my account.\n\n2. Immediate removal of any unjustified holds that are restricting my access to my funds.\n\n3. An investigation into the misconduct of the representatives and supervisors who refused to provide information despite my full verification.\n\n4. Compensation for any financial damages incurred due to this unnecessary account restriction.\n\nIf this matter is not resolved immediately, I will escalate it further by seeking legal action and publicly reporting Citizens Banks misconduct to federal regulators.\n\nI expect a written response within 10 business days addressing my concerns. If Citizens Bank fails to comply, I will pursue all legal and regulatory avenues necessary to protect my financial rights.","date_sent_to_company":"2025-02-26T00:44:53.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"02136","tags":null,"has_narrative":true,"complaint_id":"12204219","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2025-02-26T00:35:00.000Z","state":"MA","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Citizens Bank is denying me access to my own <em>funds</em> without any justification, which has caused significant stress and financial disruption.\n\nViolations & Consumer Protection Concerns : Lack of Disclosure : <em>Under</em> the <em>Truth</em> in Savings Act ( TISA ) and <em>Electronic</em> <em>Funds</em> <em>Transfer</em> Act ( EFTA ), banks are required to inform customers of account holds and provide a reason."]},"sort":[16.63576,"12204219"]},{"_index":"complaint-public-v1","_id":"12223667","_score":16.212318,"_source":{"product":"Debt collection","complaint_what_happened":"I demand the immediate removal of this account from my credit report if MoneyLion Inc. is unable to show proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by MoneyLion Inc. under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below. In addition to disputing the validity of this alleged debt, I am demanding an immediate return of funds that were withdrawn from my account after the debt was officially charged off. \n\nMoneyLion Inc. has violated consumer financial protection laws by processing payments on an account that, according to their own reporting, was charged off and written down by {$930.00}. This action constitutes unauthorized debiting, improper collections, and financial misrepresentation. \n\nXXXX. Immediate Demand for Full Refund of Improperly Withdrawn Funds Under the Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. 1693 et seq., MoneyLion Inc. had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. \n\nPursuant to TILA, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off. \nA detailed accounting of how and why MoneyLion Inc. initiated this unauthorized withdrawal after writing off the debt. \nProof that this withdrawal was lawfully authorized and did not constitute an unlawful attempt to collect on a debt MoneyLion Inc. had already written down for tax purposes. \nFailure to provide a full refund constitutes a violation of consumer protection laws and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and banking regulators. \n\nXXXX. Demand for Full Validation, Not Mere Verification ( XXXX  & XXXX  Compliance ) Under XXXX XXXX, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments. \nProof that MoneyLion Inc. suffered an actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. \nUnder XXXX XXXX, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. \n\nXXXX. Proof of Actual Loaned Funds ( TILA & XXXX XXXX ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : Proof that MoneyLion Inc. loaned me actual funds from their own capital, not simply credit created through bookkeeping entries. \nBanking records proving MoneyLion Inc.financial risk in the transaction, including wire transfer or funding records. \nAdditionally, per XXXX XXXX, I demand proof of holder in due course status, establishing MoneyLion Inc. legal right to collect any funds. \nIf MoneyLion Inc. sold, transferred, or securitized the debt, I demand proof of assignment and ownership under XXXX Article XXXX, XXXX. \n\nXXXX. IRS XXXX and XXXX Request ( IRS XXXX XXXX & XXXX U.S.C. XXXX ) Since MoneyLion Inc. reported {$930.00} as written off, I demand : A copy of IRS Form XXXX ( Cancellation of Debt ), as required under IRS XXXX XXXX XXXX. \nA copy of IRS Form XXXX ( Acquisition or Abandonment of Secured Property ) if MoneyLion Inc. claimed a loss for tax purposes.\n\nClarification on how MoneyLion Inc. reported this charge-off to the IRS and whether they claimed a tax deduction for the loss. \nIf MoneyLion Inc. failed to issue these IRS forms, they are in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation. \n\nXXXX. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand : Proof that MoneyLion Inc. or any third-party collector has the legal right to collect this debt. \nIf the debt was sold or reassigned, I request documented proof of the new creditors legal standing. \nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if MoneyLion Inc. fails to provide legally required documentation proving their claim. \n\nXXXX. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since MoneyLion Inc. failed to provide consideration of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report.\n\nA written confirmation that MoneyLion Inc. has ceased all collection efforts.\n\nFailure to Respond Within XXXX  Days Will Result in : If MoneyLion Inc. fails to respond within XXXX  days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices. \nA formal complaint with the IRS regarding failure to issue proper tax reporting forms ( XXXX ). \nA Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation. \nSupporting Federal Laws & Regulations : Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. 1693 et seq. Protects against unauthorized withdrawals. \nUniform Commercial Code ( UCC ) : XXXX Demand for presentment of the original wet-ink signed promissory note. \nXXXX Holder in due course status and proof of assignment. \nXXXX Full accounting request. \nXXXX Proof of ownership and assignment of secured debt. \nTruth in Lending Act ( XXXX ), 15 U.S.C. 1601 et seq. Requires proof of actual loaned funds and lawful contract consideration. \nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requires debt validation and prohibits improper collections. \nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Ensures accurate and lawful reporting of debt. \nIRS XXXX XXXX ( XXXX XXXX. XXXX ) Requires creditors to issue XXXX if a debt is written off.","date_sent_to_company":"2025-02-26T22:40:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"12223667","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-02-26T22:40:19.000Z","state":"FL","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Immediate Demand for Full Refund of Improperly Withdrawn <em>Funds</em> <em>Under</em> the <em>Electronic</em> Fund <em>Transfer</em> Act ( XXXX ), 15 U.S.C. 1693 et seq., MoneyLion Inc. had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. \n\nPursuant to TILA, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off."]},"sort":[16.212318,"12223667"]},{"_index":"complaint-public-v1","_id":"12346369","_score":16.211407,"_source":{"product":"Debt collection","complaint_what_happened":"I demand the immediate removal of this account from my credit report if Experian/XXXX XXXXXXXX is unable to XXXX proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by XXXX Progress/TSYS/VT under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below. \n\nXXXX. Demand for Full Validation, Not Mere Verification ( UCC & GAAP Compliance ) Under UCC 9-210, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments. \nProof that XXXX XXXX suffered XXXX actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. \nUnder UCC 3-501, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. \nXXXX. Proof of Actual Loaned Funds ( TILA & UCC 3-302 ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : XXXX XXXX XXXX loaned XXXX actual funds from their own capital, not simply credit created through bookkeeping entries. \nBanking records proving XXXX XXXX XXXX XXXX in the transaction, including wire transfer or funding records. \nAdditionally, per XXXX XXXX, I demand proof of holder in due course status, establishing XXXX XXXX legal right to XXXX any funds. \nIf XXXXXXXX XXXX  sold XXXX transferred, or securitized the debt, I demand proof of assignment and ownership under UCC Article 9, 9-203.\n\n4. IRS 1099-C and 1099-A Request ( IRS Code 6050P & 26 U.S.C. 6050P ) Since XXXX XXXX reported {$11.00} as written off, I demand : A copy of IRS Form 1099-C ( Cancellation of Debt ), as required under IRS Code Section 6050P.\n\nA copy of IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) if XXXXXXXX XXXX claimed a loss for tax purposes. \nClarification on how XXXXXXXX XXXX reported this charge-off to the IRS and whether they claimed a XXXX deduction for the loss. \nIf XXXX XXXX failed XXXX issue these IRS forms, they XXXX in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation. \nXXXX. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand : Proof that XXXX XXXX or XXXX third-party collector has the legal right to collect this debt. \nIf the debt was sold or reassigned, I request documented proof of the new creditors legal standing. \nUnder the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if XXXX XXXX fails to provide XXXX required documentation proving their claim. \n\nXXXX. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since XXXX XXXX  failed to provide XXXX of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report. \nA written confirmation that Experian/XXXX XXXXXXXX has ceased all XXXX and reporting efforts. \nFailure to Respond Within 30 Days Will Result in : If Experian/XXXX XXXX  fails to respond XXXX 30 days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices. \nA formal complaint with the IRS regarding failure to issue proper tax reporting forms ( 1099-C/1099-A ). \nA Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation.\n\nSupporting Federal Laws & Regulations : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. Protects against unauthorized withdrawals.\n\nUniform Commercial Code ( UCC ) : 3-501 Demand for presentment of the original wet-ink signed promissory note.\n\n3-302 Holder in due course status and proof of assignment.\n\n9-210 Full accounting request.\n\n9-203 Proof of ownership and assignment of secured debt.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Requires proof of actual loaned funds and lawful contract consideration.\n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requires debt validation and prohibits improper collections.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Ensures accurate and lawful reporting of debt.\n\nIRS Code 6050P ( 26 U.S.C. 6050P ) Requires creditors to issue 1099-C if a debt is written off.","date_sent_to_company":"2025-03-07T00:16:37.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"12346369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T23:40:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Under</em> UCC 3-501, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. \nXXXX. Proof of Actual Loaned <em>Funds</em> ( TILA & UCC 3-302 ) <em>Under</em> the <em>Truth</em> in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : XXXX XXXX XXXX loaned XXXX actual <em>funds</em> from their own capital, not simply credit created through bookkeeping entries."]},"sort":[16.211407,"12346369"]},{"_index":"complaint-public-v1","_id":"12369850","_score":16.202028,"_source":{"product":"Debt collection","complaint_what_happened":"I demand the immediate removal of this account from my credit report if Wells Fargo is unable to show proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by Wells Fargo under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below.\n\n1. Demand for Full Validation, Not Mere Verification ( UCC & GAAP Compliance ) Under UCC 9-210, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments.\n\nProof that Wells Fargo suffered an actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. \nUnder UCC 3-501, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted.\n\n3. Proof of Actual Loaned Funds ( TILA & UCC 3-302 ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : Proof Wells Fargo loaned me actual funds from their own capital, not simply credit created through bookkeeping entries.\n\nBanking records proving Wells Fargo financial risk in the transaction, including wire transfer or funding records. \nAdditionally, per UCC 3-302, I demand proof of holder in due course status, establishing Wells Fargo legal right to collect any funds.\n\nIf Wells Fargo sold, transferred, or securitized the debt, I demand proof of assignment and ownership under UCC Article 9, 9-203.\n\n4. IRS 1099-C and 1099-A Request ( IRS Code 6050P & 26 U.S.C. 6050P ) Since Wells Fargo reported {$46.00} as written off, I demand : A copy of IRS Form 1099-C ( Cancellation of Debt ), as required under IRS Code Section 6050P.\n\nA copy of IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) if Wells Fargo claimed a loss for tax purposes.\n\nClarification on how Wells Fargo reported this charge-off to the IRS and whether they claimed a tax deduction for the loss.\n\nIf Wells Fargo failed to issue these IRS forms, they are in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation.\n\n5. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand : Proof that Wells Fargo or any third-party collector has the legal right to collect this debt.\n\nIf the debt was sold or reassigned, I request documented proof of the new creditors legal standing.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if Wells Fargo fails to provide legally required documentation proving their claim.\n\n6. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since Wells Fargo failed to provide consideration of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report.\n\nA written confirmation that Wells Fargo has ceased all collections and reporting efforts.\n\nFailure to Respond Within 30 Days Will Result in : If Wells Fargo fails to respond within 30 days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices.\n\nA formal complaint with the IRS regarding failure to issue proper tax reporting forms ( 1099-C/1099-A ).\n\nA Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation.\n\nSupporting Federal Laws & Regulations : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. Protects against unauthorized withdrawals.\n\nUniform Commercial Code ( UCC ) : 3-501 Demand for presentment of the original wet-ink signed promissory note.\n\n3-302 Holder in due course status and proof of assignment.\n\n9-210 Full accounting request.\n\n9-203 Proof of ownership and assignment of secured debt.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Requires proof of actual loaned funds and lawful contract consideration.\n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requires debt validation and prohibits improper collections.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Ensures accurate and lawful reporting of debt.\n\nIRS Code 6050P ( 26 U.S.C. 6050P ) Requires creditors to issue 1099-C if a debt is written off.","date_sent_to_company":"2025-03-07T18:11:44.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"12369850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-07T17:48:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Under</em> UCC 3-501, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted.\n\n3. Proof of Actual Loaned <em>Funds</em> ( TILA & UCC 3-302 ) <em>Under</em> the <em>Truth</em> in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I demand : Proof Wells Fargo loaned me actual <em>funds</em> from their own capital, not simply credit created through bookkeeping entries."]},"sort":[16.202028,"12369850"]},{"_index":"complaint-public-v1","_id":"13099181","_score":15.860687,"_source":{"product":"Checking or savings account","complaint_what_happened":"UNDER THE COLOR OF LAW : FORMAL COMPLAINT & NOTICE OF CLAIM Against : JPMorgan Chase Bank , N.A . \nBy : [ XXXX XXXX XXXX ] To : Office of the Comptroller of the Currency ( OCC ) | Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | XXXX Department of Justice ( DOJ ) | Chase Bank Legal & Compliance Divisions Date : [ Insert Date ] Subject : Complaint for Willful Noncompliance, Consumer Fraud, Breach of Contract, and Civil Violations Under the Color of Law I. Preamble This complaint is filed under the protection and enforcement of the Constitution of the United States, the Federal Trade Commission Act, the Electronic Fund Transfer Act, the Truth in Lending Act, the Federal Arbitration Act, and other codified federal laws which together constitute the color of law governing lawful conduct in commerce and consumer rights.\n\nThis document formally asserts that JPMorgan Chase Bank, N.A., herein Chase, has acted in willful noncompliance with federal law, has engaged in a systemic pattern of consumer deception and financial exploitation, and has caused direct, demonstrable harm to me, the undersigned claimant, by operating in breach of contract, breach of fiduciary duty, and in violation of my federally protected rights.\n\nII. Statement of Facts 1. I am a customer of Chase Bank with both personal and business deposit accounts.\n\n2. I utilized Chases card lock feature to prevent any electronic access or withdrawal of funds for security purposes.\n\n3. Despite this protection, Chase knowingly and repeatedly allowed unauthorized electronic fund transfers ( EFTs ) to occur, debiting both my personal and business accounts in direct violation of : Regulation E ( 12 CFR 1005.6 & 1005.11 ) 15 U.S.C. 1693 et seq. ( EFTA ) 4. When I notified Chase of these unauthorized transactions, including ongoing charges by XXXX, XXXX, and another disputed business vendor, Chase advised me that I must wait until the transaction settled to file a dispute.\n\n5. This delay serves only to benefit the bank and the debiting parties, while stripping me of access to my lawfully earned funds and extending my financial harm.\n\n6. In at least one instance, a disputed charge of {$36.00} was redrafted by the same vendor during an active investigation, and Chase permitted the transactionwhile my card remained lockedallowing it to overdraft my account.\n\n7. While I did opt into overdraft services, I have never been able to access that service for my benefit. Not once have I been permitted to overdraft to buy groceries, take care of my children, secure transportation to work, or stabilize my household. However, Chase has repeatedly applied the overdraft feature only to cover its own interestpermitting charges from unauthorized companies while denying me the same courtesy or protection as its paying customer.\n\n8. This exploitation has had life-altering consequences. While I was on short-term XXXX leave from work, Chases actions directly contributed to my facing an unjust eviction, putting me and my family at risk of homelessness during a medically vulnerable period.\n\n9. Additionally, my verified business, which is in good legal standing and fully vetted by Chase, lost a federal service contract with the United States Postal Service due to an illegal and baseless hold placed on customer funds that were paid through Chases payment system. This breach of financial stewardship not only caused reputational damage but permanently harmed my businesss standing with a XXXX government entity.\n\n10. Chase has ignored multiple formal arbitration requests, despite the presence of a binding arbitration clause in its own deposit agreementa direct violation of the Federal Arbitration Act ( 9 U.S.C. 116 ).\n\nIII. Legal Violations Under Federal and Contractual Law 1. Electronic Fund Transfer Act & Regulation E ( 12 CFR 1005 ) Chase failed to prevent or remediate unauthorized transactions, failed to issue prompt provisional credit, and processed debits against a locked card, in violation of 12 CFR 1005.6, 1005.11, and 1005.17.\n\n2. Truth in Lending Act & Regulation Z ( 12 CFR 1026 ) Chase failed to clearly disclose overdraft permissions and applied illegal billing procedures.\n\n3. Federal Arbitration Act ( 9 U.S.C. 4 ) Chase refused or failed to initiate arbitration after multiple proper demands, breaching federal dispute resolution law and its own consumer agreement.\n\n4. Federal Trade Commission Act ( 15 U.S.C. 45 ) Chase has engaged in unfair and deceptive practices in the administration of financial services.\n\n5. Fraud under 18 U.S.C. 1343 ( Wire Fraud ) Chase allowed electronic funds to be fraudulently transferred from a secured account, and profited by way of overdraft penalties and fees.\n\n6. Civil Injury under 42 U.S.C. 1983 and 1981 As a private citizen and member of a protected class, I have been denied equal access to fair financial services under color of commercial authority, with XXXX and economic implications stemming from selective policy enforcement and automated denials. \n\n\n\nIV. Remedy and Demand for Action Pursuant to my rights under the above laws and protections, I hereby formally demand : 1. Immediate return of all funds withdrawn while my account was secured by the card lock feature, including redrafted disputed charges.\n\n2. Immediate reversal of all fees, overdraft charges, and penalties imposed as a result of unauthorized or improperly processed transactions.\n\n3. Compensatory relief in the amount of {$75000.00}, supported by statutory entitlements, missed wages, reputational injury, lost business revenue, financial hardship, and emotional distress.\n\n4. Initiation of arbitration proceedings, as mandated under Chases account agreement and 9 U.S.C. 4.\n\n5. Regulatory investigation by the CFPB, OCC, and FTC into Chases systemic misconduct and failure to uphold its consumer security protocols.\n\nV. Notice of Legal Escalation If this matter is not resolved in full within ten ( 10 ) business days, I will proceed to : File a petition to compel arbitration and seek injunctive relief in federal court ; Refer this complaint to the Department of Justice for civil fraud and wire fraud investigation ; Submit a detailed grievance to the U.S. Senate Committee on Banking , Housing, and Urban Affairs ; Initiate class action proceedings through legal counsel representing other similarly situated consumers ; Disclose this matter publicly and through national media outlets to raise awareness of Chases egregious and repeated violations under color of corporate authority.\n\nThis notice is served with full reservation of all legal rights, claims, and causes of action, both known and unknown. I demand immediate acknowledgment, action, and settlement of the issues herein. \n\nSincerely and Without Prejudice, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2025-04-21T23:58:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"13099181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-21T23:43:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Preamble This complaint is filed <em>under</em> the protection and enforcement of the Constitution of the United States, the Federal Trade Commission Act, the <em>Electronic</em> Fund <em>Transfer</em> Act, the <em>Truth</em> in Lending Act, the Federal Arbitration Act, and other codified federal laws which together constitute the color of law governing lawful conduct in commerce and consumer rights."]},"sort":[15.860687,"13099181"]},{"_index":"complaint-public-v1","_id":"12317639","_score":15.310394,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Navy Federal Credit Union for Violating Account Access Rights To Whom It May Concern : I am submitting this formal complaint against Navy Federal Credit Union ( NFCU ) for violations of federal banking laws and their own membership agreement. NFCU has unlawfully refused to grant me access to my account despite my full compliance with all required identification and security procedures. \n\nBackground of the Complaint I have been a member of Navy Federal Credit Union ( NFCU ), and my Access Number is [ Your Access Number ]. On [ Date of Incident ], I attempted to access my account through [ online banking/ATM/branch/phone banking ] but was denied access without any valid reason or explanation. After multiple attempts to resolve this issue with NFCU, including contacting customer service and visiting a branch, my access remained restricted. \n\nNFCUs refusal to allow me access to my own funds constitutes a breach of their agreement and violates multiple federal banking regulations. \n\nLaws and Regulations Violated 1. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\nUnder 15 U.S.C. 1693b ( d ) ( 2 ), financial institutions must provide consumers access to their accounts and can not restrict electronic fund transfers without proper cause.\n\nNFCU has failed to provide adequate notice or justification for restricting my access, thereby violating EFTA.\n\n2. Truth in Savings Act ( TISA ) 12 U.S.C. 4301 et seq.\n\nTISA requires clear disclosure of account terms and conditions, including the right to access deposited funds.\n\nBy refusing to grant me access without a valid reason, NFCU has effectively altered the terms of my account without disclosure, violating TISA.\n\n3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. \nIf NFCU has reported any restrictions or closures to XXXX or other consumer reporting agencies without just cause, it may constitute a violation of FCRA.\n\n4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Under 12 U.S.C. 5531, financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).\n\nNFCUs actionsdenying me rightful access to my own account without justificationare unfair and deceptive, violating this statute.\n\n5. Breach of Contract & Membership Agreement Violations According to XXXX own Membership and Account Agreement, members have the right to access and manage their accounts as long as they comply with security requirements. \nNFCUs refusal to honor this agreement constitutes a breach of contract. \n\nRequested Resolution I demand that NFCU : 1. Immediately restore full access to my account.\n\n2. Provide a written explanation for the denial of access.\n\n3. Compensate me for any financial damages caused by their unlawful actions, including fees, lost wages, and other economic harm.\n\n4. Conduct an internal investigation and ensure compliance with federal banking laws.\n\nFailure to resolve this matter within 15 days will result in me escalating my complaint to the Office of the Comptroller of the Currency ( OCC ), the Consumer Financial Protection Bureau ( CFPB ), and, if necessary, pursuing legal action. \n\nI expect an immediate response. Please address all correspondence to me at the contact information listed above. \n\nSincerely, : XXXX XXXX XXXX :","date_sent_to_company":"2025-03-04T17:13:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"48205","tags":null,"has_narrative":true,"complaint_id":"12317639","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-03-04T16:37:20.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["NFCUs refusal to allow me access to my own <em>funds</em> constitutes a breach of their agreement and violates multiple federal banking regulations. \n\nLaws and Regulations Violated 1. <em>Electronic</em> Fund <em>Transfer</em> Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\n<em>Under</em> 15 U.S.C. 1693b ( d ) ( 2 ), financial institutions must provide consumers access to their accounts and can not restrict <em>electronic</em> fund <em>transfers</em> without proper cause."]},"sort":[15.310394,"12317639"]},{"_index":"complaint-public-v1","_id":"7947534","_score":14.726456,"_source":{"product":"Checking or savings account","complaint_what_happened":"My company XXXX signed an agreement with XXXX, an agent of First Data to be our payment processor. We were told that our non PCI compliance fees would be {$99.00} annually but have seen over a XXXX increase in these charges with no notification or agreement to pay these exorbant fees. \n\n\nThe only way I was informed of the PCI compliance fees was through statements on the XXXX portal. XXXX is a subsidiary of First data. The XXXX XXXX 's default settings are set to not send paper or email notifications about fees We had a 3 year period of inactivity on the portal and additionally, the few emails I did receive regarding PCI compliance went directly to our spam and never mentioned anything about fees. \n\nAs a result of First Data 's failure to provide proper notification, I was unaware of the increased PCI compliance fees until our accountant brought up an increase in costs regarding our payment processing systems. By then, I had already been charged over {$15000.00} in fees and the agent accumulated more than {$9300.00} in commission on those fees. \n\nMoreover, I recently discovered that an agent of First Data, XXXX, made over {$9000.00} in commission on these improperly charged fees. This raises serious concerns about the ethical conduct of both First Data and XXXX. \n\nIn light of these circumstances, I believe that First Data and XXXX have engaged in the following illegal and unfair practices, which violate several civil and consumer protection acts, violations of civil and consumer protection acts include but are not limited to : Electronic Funds Transfer Act ( EFTA ) : EFTA prohibits businesses from charging unauthorized fees to consumers ' electronic fund transfer ( EFT ) accounts. First Data charged PCI compliance fees without providing proper notification to consumers, which is a violation of EFTA.\n\nTruth in Lending Act ( TILA ) : TILA requires businesses to disclose all fees and charges to consumers in a clear and conspicuous manner. First Data failed to disclose the PCI compliance fees in a clear, understandable, and easily noticeable manner, and they did not provide advance notice of the fees or any increases in the fee amount.\n\nFair Credit Billing Act ( FCBA ) : FCBA gives consumers the right to dispute errors on their credit card statements. First Data 's failure to provide proper notification of the PCI compliance fees makes it difficult for consumers to dispute these charges. \nConsumer Financial Protection Act ( CFPA ) : CFPA prohibits businesses from engaging in unfair or deceptive practices. First Data 's failure to provide proper notification of PCI compliance fees, its business practices that allow agents to profit from improperly charged fees, and its failure to seek the consumer 's consent before charging the fees are all considered unfair and deceptive practices.\n\nUniform Commercial Code ( UCC ) : The UCC governs commercial tr\nansactions in the United States, including contracts for payment processing services. First Data 's failure to honor its contractual agreement to charge only {$99.00} annually for PCI compliance fees violates the UCC.\n\nFederal Trade Commission Act ( FTC Act ) : The FTC Act prohibits businesses from engaging in unfair or deceptive acts or practices in or affecting commerce. First Data 's failure to provide proper notification of PCI compliance fees, its business practices that allow agents to profit from improperly charged fees, and its failure to seek the consumer 's consent before charging the fees are all considered unfair or deceptive acts or practices under the FTC Act.\n\nWith specific violations in terms of proper disclosure practices : Clarity and Conspicuousness : First Data failed to disclose the PCI compliance fees in a clear, understandable, and easily noticeable manner. The fees were hidden in the XXXX portal statements, making them difficult to find and understand. \nTiming : First Data did not provide advance notice of the PCI compliance fees or any increases in the fee amount. Instead, the fees were charged without any prior notification, giving me no time to understand or react to these changes.\n\nCompleteness : First Data did not disclose all relevant information about the PCI compliance fees. The disclosures did not explain how the fees were calculated, when they were charged, or under what circumstances.\n\nAccessibility : First Data made the disclosures available only through the XXXX XXXX, which is not readily accessible to all consumers. The disclosures should have been made available in multiple formats, including email and paper statements, to ensure that all consumers could access them. \nConsent : First Data did not seek my consent before charging the PCI compliance fees. This is a violation of proper disclosure practices, as consumers should be given the opportunity to agree to new fees or changes in existing fees before they are implemented.\n\nRegular Updates : First Data did not communicate any changes to the PCI compliance fees or the terms and conditions of the payment processing services. Consumers should be informed of any changes promptly and in a clear and conspicuous manner. \nLanguage and Presentation : The disclosures were not presented in a language and format that could be easily understood by the average consumer. The language was complex and technical, and the disclosures were not organized in a way that made them easy to follow.","date_sent_to_company":"2023-12-04T07:45:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7947534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2023-12-04T07:25:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["In light of these circumstances, I believe that First Data and XXXX have engaged in the following illegal and unfair practices, which violate several civil and consumer protection acts, violations of civil and consumer protection acts include but are not limited to : <em>Electronic</em> <em>Funds</em> <em>Transfer</em> Act ( EFTA ) : EFTA prohibits businesses from charging unauthorized fees to consumers ' <em>electronic</em> fund <em>transfer</em> ( EFT ) accounts."]},"sort":[14.726456,"7947534"]},{"_index":"complaint-public-v1","_id":"13181657","_score":14.605026,"_source":{"product":"Checking or savings account","complaint_what_happened":"I'm experiencing ongoing severe harm due to Ally Bank 's false claim of account restoration while maintaining account restrictions and a damaging \" indemnification internal bank notice '' in violation of multiple federal banking regulations. \nDetailed timeline showing false restoration and failed resolution attempts : XX/XX/year> : Ally restricted account # XXXX due to a temporary negative balance. \nXXXX XXXX XXXX : Made multiple calls to customer service and deposited over {$15000.00} to resolve the negative balance. \nXXXX XXXX XXXX XXXX : Called Ally 's customer service department , fraud team, and investigations team repeatedly requesting account restoration. \nXX/XX/year> : Ally sent written confirmation stating : \" XXXX, we removed the restriction on your Spending Account because you resolved your negative balance. '' XXXX XXXX XXXX : Despite this written confirmation, I remain UNABLE to : Access my Ally account online Make any transactions Access my funds Receive a valid reason for continued restrictions Obtain any timeline for resolution When I call Ally 's customer service, representatives directly contradict the XX/XX/XXXX email, confirming my account remains \" under review '' with no valid reason provided and no timeline for resolution. This constitutes a clear violation of 12 CFR 1026.24 regarding false or misleading statements to consumers. \nMeanwhile, Ally has maintained a false \" indemnification internal bank notice '' in banking communications networks that has caused : XXXXXXXX XXXX  to permanently close ALL my consumer banking accounts XXXXXXXX XXXX to withhold {$15000.00}, formally stating this is due to an \" internal bank notice from Ally Bank '' This situation violates multiple federal regulations : Expedited Funds Availability Act ( 12 CFR 229 ) : Denial of access to deposited funds beyond regulatory timeframes without proper exception notices Electronic Fund Transfer Act ( 12 CFR 1005.11 ) : Failure to resolve error claims within 10 business days Truth in Savings Act ( 12 CFR 1030 ) : Misrepresentation of account status and restrictions Unfair, Deceptive, or Abusive Acts and Practices ( 12 USC 5531 ) : Telling me restrictions were removed while maintaining them Despite dozens of calls to various departments at Ally Bank, they continue to : Misrepresent the status of my account Maintain false adverse information in banking systems Deny access to my funds without valid justification Provide no timeline for resolution Offer no explanation for the contradiction between their XX/XX/XXXX email and actual account status This represents a systemic failure of Ally 's customer service, compliance, and fraud investigation processes that has caused extensive financial harm and banking relationship damage.","date_sent_to_company":"2025-04-25T23:23:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94085","tags":null,"has_narrative":true,"complaint_id":"13181657","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-04-25T22:57:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["exception notices <em>Electronic</em> Fund <em>Transfer</em> Act ( 12 CFR 1005.11 ) : Failure to resolve error claims within 10 business days <em>Truth</em> in Savings Act ( 12 CFR 1030 ) : Misrepresentation of account status and restrictions Unfair, Deceptive, or Abusive Acts and Practices ( 12 USC 5531 ) : Telling me restrictions were removed while maintaining them Despite dozens of calls to various departments at Ally Bank, they continue to : Misrepresent the status of my account Maintain false adverse information in banking"],"sub_issue":["<em>Funds</em> not handled or disbursed as instructed"]},"sort":[14.605026,"13181657"]},{"_index":"complaint-public-v1","_id":"14624665","_score":14.5537,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, managed by Mercury Card, regarding fraudulent charges, unauthorized account access, and violations of the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable Texas state laws. \n\nThe CFPB has clear jurisdiction over this matter under 12 U.S.C. 5517 ( a ), which grants the CFPB authority to enforce federal consumer financial laws, including the MLA ( 10 U.S.C. 987 ), EFTA ( 15 U.S.C. 1693 et seq. ), FCRA ( 15 U.S.C. 1681 et seq. ), TILA ( 15 U.S.C. 1601 et seq. ), and FDCPA ( 15 U.S.C. 1692 et seq. ). Additionally, the CFPB has supervisory and enforcement authority over financial institutions like XXXXXXXX XXXX XXXX XXXXXXXX and service providers like Mercury Card. \n\nBackground On XX/XX/2022, I opened a {$1500.00} credit card account with XXXXXXXX XXXX XXXX XXXX managed by Mercury Card. I made all scheduled payments on time. However, Mercury Card began adding fraudulent charges to my account. As an XXXX XXXX XXXX member and a covered borrower under the Military Lending Act ( 10 U.S.C. 987 ), I notified Mercury Card of my status and requested compliance with the MLAs protections, including the 36 % Military Annual Percentage Rate ( MAPR ) cap, prohibitions against fraudulent practices, unauthorized charges, and the use of a covered borrowers bank account as a security interest.\n\nViolations of the Military Lending Act ( MLA ) The Military Lending Act ( 10 U.S.C. 987 ( e ) ( 3 ) ) explicitly states : A creditor may not use a check, access to a financial account, or other security interest to secure the credit or advance. \n\nMercury Cards unauthorized access to my bank account and repeated attempts to extract funds illegally violate this provision of the MLA. Additionally, the MLA prohibits creditors from engaging in fraudulent practices or imposing unauthorized charges on covered borrowers.\n\nThe Military Lending Act ( 10 U.S.C. 987 ( e ) ( 5 ) ) further mandates : Any violation of the MLA voids the promissory note in its inception, and the creditor must make restitution for all payments made under the voided account.\n\nAs Mercury Card violated the MLA, the promissory note underlying the credit card agreement is void, and XXXXXXXX XXXX XXXX XXXXXXXX must make restitution for all payments made under the voided account. \n\nViolation of the 36 % MAPR Cap Mercury Card is reporting a charge-off amount of {$2200.00} on the {$1500.00} credit limit account. This amount is {$700.00} over the credit limit, clearly demonstrating that the Military Annual Percentage Rate ( MAPR ) cap of 36 % has been violated. The MAPR includes a combination of interest, fees, and charges imposed by the creditor. This over-limit amount constitutes a clear violation of the MLAs 36 % MAPR cap. \n\nMercury Cards fraudulent charges far exceed the 36 % MAPR cap, constituting a clear violation of this statute. Despite my repeated attempts to resolve the issue, Mercury Card failed to adhere to the MLA. As a result, I filed an FTC fraud report due to the fraudulent charges. Despite this, Mercury Card continued adding fraudulent charges and subsequently gained unauthorized access to my bank account, conducting multiple transactions to extract funds illegally.\n\nViolations of Federal Laws Electronic Fund Transfer Act ( EFTA ) ViolationsThe EFTA ( 15 U.S.C. 1693 et seq. ) states : A consumer may not be held liable for unauthorized electronic fund transfers if the financial institution is notified within 60 days of the transaction appearing on the statement.Mercury Cards repeated unauthorized withdrawals constitute multiple violations of the EFTA.\n\nFair Credit Reporting Act ( FCRA ) ViolationsThe FCRA ( 15 U.S.C. 1681 et seq. ) requires : Consumer reporting agencies and furnishers to adopt reasonable procedures to ensure the maximum possible accuracy of consumer credit information.Reporting fraudulent charges as a charge-off is both inaccurate and damaging to my credit profile, further violating the FCRA.\n\nTruth in Lending Act ( TILA ) ViolationsThe TILA ( 15 U.S.C. 1601 et seq. ) mandates : Creditors must clearly and accurately disclose terms and costs of credit to consumers, including billing error resolution procedures.Mercury Card failed to comply with TILAs disclosure and billing error resolution requirements, further compounding their violations. \n\n\n\nFair Debt Collection Practices Act ( FDCPA ) ViolationsThe FDCPA ( 15 U.S.C. 1692 et seq. ) prohibits : The use of unfair or unconscionable means to collect or attempt to collect any debt.Mercury Cards repeated attempts to extract funds through fraudulent and unauthorized means constitute clear violations of the FDCPA.\n\nViolations Under Texas State Law In addition to federal violations, Mercury Cards actions violate Texas Finance Code 392.301 et seq., which prohibits deceptive trade practices and unfair billing practices. Specifically : Texas Finance Code 392.304 ( a ) ( 8 ) prohibits creditors from engaging in false, misleading, or deceptive acts in connection with consumer credit transactions.\n\nTexas Finance Code 392.304 ( a ) ( 12 ) prohibits the use of unfair billing practices that result in unauthorized charges.\n\nFurthermore, Texas Business and Commerce Code 17.46 ( b ) under the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ) provides remedies for consumers subjected to fraudulent, deceptive, or unconscionable actions by creditors. Mercury Cards fraudulent charges and unauthorized account access clearly fall under these prohibited practices.","date_sent_to_company":"2025-07-14T03:02:40.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"77389","tags":"Servicemember","has_narrative":true,"complaint_id":"14624665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercury Financial Intermediate LLC","date_received":"2025-07-14T02:42:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, managed by Mercury Card, regarding fraudulent charges, unauthorized account access, and violations of the Military Lending Act ( MLA ), <em>Electronic</em> Fund <em>Transfer</em> Act ( EFTA ), Fair Credit Reporting Act ( FCRA ), <em>Truth</em> in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable Texas state laws."]},"sort":[14.5537,"14624665"]},{"_index":"complaint-public-v1","_id":"9515687","_score":14.464402,"_source":{"product":"Debt collection","complaint_what_happened":"From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX To : Halsted Financial Services  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Re : Debt Validation Request Debt Collector : Halsted Financial Services Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX Halsted Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Halsted Financial, XX/XX/XXXX I am writing in response to your unsolicited text message dated XX/XX/XXXX and XX/XX/XXXX at XXXX regarding the collection of a debt allegedly associated with an account which you claim to be collecting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has been known to by debt. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ). \n\nPlease note that I have previously disputed this debt with XXXX XXXX XXXX XXXX. and have not received sufficient validation. Please be informed of the certified letters I have previously mailed regarding this debt which is now the XXXX time. \n\nXX/XX/XXXX : Sent to XXXX XXXX XXXX XXXX. requesting debt validation under the FDCPA. \nXX/XX/XXXX : No response follow-up letter to XXXXXXXX XXXX XXXXXXXX XXXX XXXX \nXX/XX/XXXX : Follow-up letter to XXXXXXXX XXXX XXXXXXXX XXXX XXXX reiterating the need for proper validation and documentation. \nXX/XX/XXXX : Further request for validation from XXXX XXXX XXXX XXXX. including detailed requirements under the XXXX XXXX and other legal frameworks. \n\nOn XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX XXXX. with XXXX XXXX. XXXX. Consumer Financial Protection Bureau and soon after begin to receive harassing text messages from your organization which stated on XX/XX/XXXX. \n\nFollowing this complaint, the case was sent back and now reassigned to Halsted Financial Services Account. \n\nI had notified the prior debt collector and it was recorded to not call or text and all communication must come via mail. The receipt of XXXX text messages from your organization during my work hours constitutes a violation of the Federal Communications Commission ( FCC ) regulations and is considered harassment. Consequently, I have filed a complaint against your organization on XX/XX/XXXX. The complaint has been assigned XXXX XXXX. XXXX and have forwarded this communication to my attorney. \n\n\nFINAL WARNING - CEASE AND DESIST Failure to provide all the requested information and documentation within 30 days will result in a demand for you to cease and desist all collection activities related to this debt. Continued attempts to collect this debt without proper validation will be considered a violation of my rights under the FDCPA and FCC regulations, and I will not hesitate to take further legal action. \n\nThis is not a refusal to pay, but a request for validation. Until you provide the requested validation, I ask that you cease all collection activities and stop reporting this debt to any credit bureaus. \n\nIf you do not provide validation of all requested items below within 30 days, I will consider this matter closed and will expect you to remove all references to this debt and removal if any from my credit report. \n\nTherefore, I am requesting that you provide me with the following specific information and documentation to validate this debt : Additionally I am writing to formally address my concerns regarding the handling of my alleged debt, which you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt within the required XXXX period from receiving your initial notice. SInce XX/XX/XXXX To date, I have not received ALL the requested validation. \nAccording to the FDCPA, once a debtor disputes the debt or requests validation, the debt collector must cease collection activities until the required validation is provided. Despite my request, collection efforts have persisted without the necessary validation. \nFurthermore, I understand that there are no specific limits in the FDCPA on the number of times a debt can be transferred to different agencies. However, each new collection agency must honor the validation request before resuming collection activities. It has come to my attention that transferring the debt repeatedly without providing proper validation can be perceived as harassment and an unfair collection practice, both of which are violations of the FDCPA. \nI am documenting this communication and any previous correspondence regarding my request for validation. Should the debt continue to be transferred without the proper validation, I will have grounds to believe that my rights under the FDCPA are being violated. In such a case, I may be compelled to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel to address these practices. \nI kindly request that you provide the validation of the debt as required by law or cease all collection activities immediately. Continuous transfers without proper validation will not be tolerated, and I will pursue all available legal avenues to ensure that my rights are protected. \n\n\nXXXX. XXXX XXXX : - The name and address of the original creditor. \n- The account number used by the original creditor. \n- The amount owed to the original creditor at the time the debt was transferred. \n\nXXXX. **Current Creditor Information** : - The name and address of the current creditor ( XXXX XXXX XXXX ). \n- The account number used by the current creditor. \n- The amount currently owed, including a detailed breakdown of any interest, fees, or charges added since the debt was acquired. \n\nXXXX. **Debt Details** : - A copy of the original signed agreement that created the debt. \n- If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. \n- Proof that you have the legal right to collect this debt. \n\nXXXX. **E-Signature Validation** : - Proof of compliance with the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ) for any agreements or documents related to this debt that have been executed electronically. This should include : - Digital certificates validating the identity of the parties involved in the electronic transaction. \n- XXXX about the XXXXXXXX XXXX XXXX ( XXXX ) employed to secure and manage electronic signatures. \n- Evidence of timestamps on all electronic documents and signatures verifying the exact date and time of the electronic execution. \n- A description of the authentication methods used to verify the identity of the signatories in the electronic transaction. \n- Complete audit trails for all electronic documents showing the sequence of actions related to the creation, modification, and signing of the documents. \n- A detailed explanation of how the electronic signing process adheres to the legal framework established by the E-SIGN Act and any other relevant laws. \n- Evidence of explicit consent by all parties involved in the electronic transaction to conduct business electronically. \n- Information on any third-party verification services used to ensure the integrity and security of the electronic signatures and documents. \n\nXXXX. **Promissory Note Authenticity** : - The Promissory Note associated with this account must be duly authorized through a signature by a designated officer from XXXXXXXX XXXX XXXX XXXX Please provide all original XXXX XXXX along with any amended versions, each bearing the requisite signature of a XXXX XXXX Bank officer ( s ). \n\nXXXX. **Bill of Sale Authentication** : - The bills of sale dated XX/XX/XXXX and XX/XX/XXXX must include witness and notarization signatures, and signatures and dates from all parties involved, including XXXX XXXX XXXX XXXX Evidence confirming the inclusion of this specific debt in the XXXX loans transferred is required. \n\nXXXX. **Licensing Information** : - Your firm 's authority to collect this debt, including necessary licensing information from my state or your operating state. \n\nXXXX. XXXX XXXX XXXX : - Explicit proof that I am the individual responsible for the debt. \n\nXXXX. **Interest and Fees Breakdown** : - A detailed breakdown of all interest and fees added to the original debt amount. \n\nXXXX. XXXX XXXX : - Documentation proving your legal standing to collect the debt, including a XXXX of XXXX. \n\nXXXX. XXXX XXXX : - A record of all previous communications regarding this debt. \n\nXXXX. XXXX XXXX XXXX : - Information about your process for handling disputes or inaccuracies in credit reporting related to this debt. \n\nXXXX. XXXX Rights XXXX : - Information about my rights under the FDCPA, including how to dispute the debt or seek advice from a consumer attorney. \n\nXXXX. XXXX XXXX XXXX : - A copy of your policy regarding debt collection practices. \n\nXXXX. XXXX in XXXX XXXX ( XXXX ) XXXX : - Address the discrepancy identified in the Monthly Statements and the Truth in Lending disclosure. The account statements reflect payments of {$470.00} per month for 60 months totaling {$28000.00}, while the XXXX in XXXX disclosure shows XXXX payment of {$400.00} and fifty-nine payments of {$470.00} totaling {$28000.00}. This discrepancy is a violation of XXXX, and as the debt collector, you are now responsible for any violations of XXXX. \n\nXXXX. XXXX XXXX XXXX - Registration of Promissory Note** : - Confirmation of whether the Promissory Note associated with Account No. Ending in XXXX has been registered under XXXX Article XXXX. \n- If registered, details of such registration, including the date and jurisdiction of the registration. \n- Documentation or evidence supporting this registration, if applicable. \n\nXXXX. **Lawful Consideration of Bank Funds in XXXX XXXX : -Provide an exhaustive and precise clarification on the exact nature of the consideration for the debt, specifying whether it was a monetary loan, a line of credit, or another financial product. This must include a full disclosure of all terms, conditions, criteria, and underwriting processes under which the consideration was provided, along with any internal policies governing such transactions. \n-Supply comprehensive and verifiable documentation and records demonstrating the initial transaction, including : Detailed transaction records showing the origin and destination of funds, including all intermediary steps. \nComplete bank statements for all relevant accounts reflecting the disbursal and receipt of funds, covering the period from XXXX months before the disbursal to XXXX months after. \nInternal bank communications, memos, emails, and meeting minutes that pertain to the disbursal and creation of the debt, including any discussions of risk assessment, approvals, and authorizations. \nCopies of all relevant contracts, agreements, and promissory notes between the original creditor, current creditor, and any intermediaries involved, including any amendments or addenda. \nDocumentation of the decision-making process, including internal and external reviews, risk assessments, and approvals from relevant committees or boards. \n-Provide a meticulous explanation of the legal framework under which the bank provided the consideration, ensuring it aligns with all pertinent banking regulations and laws. This should include : Explicit references to the specific banking regulations, statutes, and legal requirements governing the provision of such consideration. \nInternal compliance documentation, audit reports, and legal opinions or analyses prepared by the banks legal team or external legal counsel regarding the legality and regulatory compliance of the consideration. \nCopies of any regulatory filings, reports, or correspondence with banking regulators or oversight bodies related to the creation and handling of this debt. \n-Furnish all records or documentation that illustrate the bank 's commitment and due diligence in the transaction, including but not limited to : Detailed transaction records and complete ledger entries for all financial activities related to this debt, including timestamps and authorization details for each entry. \nComplete audit trails and logs showing all steps and approvals in the creation, modification, and finalization of the debt, including details of any system or software used to manage these records. \nEvidence of the banks due diligence processes, including risk assessments, credit analyses, XXXX XXXX XXXX XXXX XXXX XXXX compliance, and any third-party evaluations performed prior to providing the consideration. Include reports, checklists, and sign-offs by relevant officers. \nDocumentation of any third-party verification or validation processes used to ensure the legitimacy and compliance of the debt, including certifications, detailed reports, and all correspondence with third-party auditors or verifiers. \nRecords of all interactions and communications with regulatory bodies regarding this debt, including all filings, reports, and correspondence, along with any responses received. \nDetailed logs and records of any system or software used to manage, track, and record the transaction, including metadata, version histories of electronic documents, and access logs showing who accessed or modified any records. \nComprehensive documentation or records of any dispute resolution processes related to this debt, including internal and external communications, legal filings, and settlement agreements. \nAny additional documentation or records that provide a comprehensive and transparent view of the banks role and activities in the creation, handling, and ongoing management of this debt, including internal audit reports and reviews of compliance with the FDCPA, FCC regulations, and other relevant laws. \nFailure to provide all the requested information and documentation within 30 days will result in a demand for you to cease and desist all collection activities related to this debt. Continued attempts to collect this debt without proper validation will be considered a violation of my rights under the FDCPA and FCC regulations, and I will not hesitate to take further legal action. \n\n\nYour response requires authentication. \n\nThank you for your cooperation. \n\nLitigiously, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-07-15T19:34:46.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"46038","tags":null,"has_narrative":true,"complaint_id":"9515687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2024-07-15T19:30:38.000Z","state":"IN","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["**E-Signature Validation** : - Proof of <em>compliance</em> with the <em>Electronic</em> Signatures in Global and National Commerce Act ( E-SIGN Act ) for any agreements or documents related to this debt that have been executed <em>electronically</em>. This should include : - Digital certificates validating the identity of the parties involved in the <em>electronic</em> transaction. \n- XXXX about the XXXXXXXX XXXX XXXX ( XXXX ) employed to secure and manage <em>electronic</em> signatures."]},"sort":[14.464402,"9515687"]},{"_index":"complaint-public-v1","_id":"8489995","_score":14.157864,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I, XXXX XXXX, applied for a new CHASE SAPPHIRE RESERVE account that, instead of receiving notice of a conversion date, I was denied access. So, I referred to J. P. MORGAN CHASE PROSPECTUS, and other filings, to locate important information. Contrary to the findings below, as an investor I was denied access to the account when I applied for CHASE SAPPHIRE RESERVE account. Yet, my chattel paper instrument/AB Note is a CHAIT Permitted Investment. Also, the indenture allows for an amendment to the Regulation AB Item XXXX servicing criteria identified as applicable in the annual assessment of compliance by the indenture trustee without the consent of any noteholders or written confirmation from each Note Rating Agency that has rated any outstanding series, class or tranche of notes that the proposed amendment will not result in the withdrawal or downgrade of its then-current ratings on any outstanding series, class or tranche of notes. These findings give me a valid reason to suspect Securities Fraud, especially when one of the diagrams shows how my chattel paper was transferred and deposit as debt security to J. P. Morgan Chase as the transfer agency. Im requesting to have my chattel paper application manually re-evaluated for reconsideration before I am forced to take further actions within in the jurisdiction of Delaware using statements from the current J.P. Morgan Chase Prospectus, Indenture Agreement, XXXX, and XXXX filings as my defense because it is unfair to me, the consumer, to be denied when Chase has the ability to trade my security on the secondary market. \n\n\n\nThe relationship of the cardholder and credit card issuer is extensively regulated by federal and state consumer protection laws. With respect to credit cards issued by JPMorgan Chase Bank, the most significant laws include the federal Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collections Practices Act, Electronic Funds Transfer Act, the Consumer Financial Protection Act prohibition against unfair, deceptive, and abusive acts and practices, the Federal Trade Commission Act prohibition against unfair and deceptive acts and practices, and similar state laws including each states statutes governing unfair and deceptive trade practices. These statutes impose disclosure requirements when a credit card account is advertised, when it is opened, at the end of monthly billing cycles, and at year end. In addition, these statutes limit customer liability for unauthorized use, prohibit discriminatory practices in connection with the extension and servicing of credit, and impose certain limitations on the type of credit card account-related charges that may be assessed. Cardholders are entitled under these laws to have payments and credits applied to the credit card accounts promptly, to receive prescribed notices and to require billing errors to be resolved promptly. Failure to comply with the laws or regulations described herein could lead to private causes of action, such as class action lawsuits, and lawsuits and other enforcement actions brought by state attorneys general or federal regulatory enforcement actions, including those brought by the CFPB. \n( Paragraph 4 of page 134 of Prospectus ) The issuing entity may be liable for certain violations of consumer protection laws that apply to the related credit card receivables. A cardholder may be entitled to assert those violations by way of set-off against his or her obligation to pay the amount of credit card receivables owing. JPMorgan Chase Bank represents and warrants in the transfer and servicing agreement that all of the credit card receivables have been and will be created in compliance with the requirements of those laws. The servicer also agrees in the transfer and servicing agreement to indemnify the issuing entity, among other things, for any liability arising from those violations caused by the servicer. For a discussion of the issuing entitys rights arising from the breach of these warranties, see Sources of Funds to Pay the NotesJPMorgan Chase Bank and Transferor Representations and Warranties. \n\n( Paragraph 5 of page 134 of Prospectus ) Failure to comply with the laws or regulations described above could lead to private causes of action, such as class action lawsuits, and lawsuits and other enforcement actions brought by state or federal agencies. \n\n( Paragraph 6 of page 138 of Prospectus ) The issuing entity and each holder, by acquiring notes, agree to treat the notes as debt for all U.S. federal, state, and local income and franchise tax purposes. Accordingly, the issuing entity will not attempt to satisfy the tax reporting requirements that would apply under alternative characterizations of the notes unless required by applicable law. Certain investors, such as Non-U.S. Holders and qualified plans, should consult their tax advisors in determining the U.S. federal, state, local, and other tax consequences to them of an investment in the notes. The following discussion assumes that the notes will be treated as debt for U.S. federal income tax purposes.","date_sent_to_company":"2024-03-06T23:57:10.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"70805","tags":null,"has_narrative":true,"complaint_id":"8489995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-06T23:45:49.000Z","state":"LA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["With respect to credit cards issued by JPMorgan Chase Bank, the most significant laws include the federal <em>Truth</em> in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collections Practices Act, <em>Electronic</em> <em>Funds</em> <em>Transfer</em> Act, the Consumer Financial Protection Act prohibition against unfair, deceptive, and abusive acts and practices, the Federal Trade Commission Act prohibition against unfair and deceptive acts and practices, and similar state laws including each states"]},"sort":[14.157864,"8489995"]},{"_index":"complaint-public-v1","_id":"16456514","_score":14.154727,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. \nCurrent Owner : LVNV Funding LLC Affidavit of Truth, Demand for Accounting, and Demand for Restitution ( Demand for Immediate Return of Funds/ Notice of Unjust Enrichment / Constructive Trust ) AFFIDAVIT OF TRUTH, DEMAND FOR ACCOUNTING, AND DEMAND FOR RESTITUTION I, XXXX XXXX XXXX living man, born XX/XX/XXXX, of c/o XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX declare under penalty of perjury and under the common law of the land the following as true and correct : I am a natural person and the sole owner and lawful creditor of my name, identity, credit, and estate. I have not knowingly, willingly, or lawfully entered into any valid contract with respect to the account identified as Account # XXXX that would authorize any party to create, assign, or collect a debt in my name except by my wet-ink signature and explicit, informed consent. \n\nI received correspondence dated XX/XX/XXXX, from Resurgent Capital Services referencing an alleged balance said to originate from XXXX XXXX XXXX, charged off and sold to LVNV Funding LLC. I do not recognize nor admit liability for this alleged account. \n\nI hereby assert that any purported profits, credits, deposits, or advantages derived by any party from the use, sale, assignment, or collection of any alleged account connected to my name or identity were obtained without my consent and constitute unjust enrichment and conversion of my rights and assets. \n\nI demand, under common law remedies of accounting, restitution, and constructive trust, that the following be immediately produced and/or performed : a. A certified, notarized copy of the original contract bearing my wet-ink signature that allegedly created the account ; b. A complete itemized ledger showing every charge, payment, adjustment, and fee from the inception of the alleged account to present, certified and signed under oath by a person with direct knowledge ; c. The full chain of assignment ( bill of sale or assignment agreements ) showing the legal transfer of ownership from Capital One to any subsequent owner, including LVNV Funding LLC and any assignees, with dates and signatories ; d. A sworn statement under penalty of perjury by a human agent with personal knowledge attesting to the legitimacy and origin of every item on the ledger ; and e. Immediate calculation of all profits, payments, or other financial benefit received by your company ( and any assignees ) resulting from activity related to this alleged account, with a demand for return of such funds. \n\nDEMAND FOR RESTITUTION : I demand immediate restitution and accounting for any and all funds, credits, or monetary advantages you or your agents have obtained from any activity, sale, assignment, collection, or reporting associated with the alleged account in my name. I demand the return of those funds to me forthwith, together with lawful interest at the legal rate, and notification that all third-party reports ( credit reporting agencies, data furnishers ) have been retracted and deleted. \n\nCONSTRUCTIVE TRUST : I hereby declare that any funds or assets in your control that are traceable to the use, sale, or collection of the alleged account are impressed with a constructive trust in favor of me, the true creditor and owner of the rights of my name and identity. You hold those funds in trust for my immediate benefit and must account for them. \n\nNOTICE OF CLAIM / TIMEFRAME : You have ten ( 3 ) calendar days from receipt of this Affidavit to provide the documentation and full accounting demanded above, and to tender restitution. Failure to comply will be treated as a refusal to provide proof and as willful continuation of unjust enrichment and conversion. If compliance is not completed within ten ( 3 ) days I will take all lawful action available to me, including but not limited to : a. Filing civil actions for conversion, unjust enrichment, breach of fiduciary duty, declaratory relief, and injunctive relief in a court of competent jurisdiction ; b. Recording this matter with the Consumer Financial Protection Bureau, the Federal Trade Commission, my state Attorney General, and the appropriate law enforcement agencies ; c. Seeking imposition of a constructive trust, actual damages, statutory damages, costs, and attorneys fees ; and d. Taking any additional remedial measures available under common law and equity. \n\nCREDIT REPORTING : You are hereby notified to immediately cease and desist any and all reporting of this alleged debt to any credit reporting agency until the validation and accounting demanded above is provided and verified. Any continued reporting after failing to provide proof will be a willful violation of my rights and may subject you to claims under FCRA and applicable state consumer-protection statutes. \n\nPRESERVATION OF EVIDENCE : Preserve all records, communications, electronic data, and documents relating to the alleged account, the sale/assignment of the account, and any funds or credits derived from it. Failure to preserve evidence will be considered spoliation and may be used against you. \n\nNO WAIVER : Nothing in this Affidavit shall be construed as an admission of liability or waiver of any of my rights. I expressly reserve all rights, remedies, and causes of action under common law and statutory law. \n\nExecuted this XXXX day of XXXX, XXXX. \n\nWithout Prejudice, All Rights Reserved. \nXXXX XXXX XXXX","date_sent_to_company":"2025-10-08T10:30:38.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"236XX","tags":null,"has_narrative":true,"complaint_id":"16456514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-08T10:00:55.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company forcing arbitration"},"highlight":{"complaint_what_happened":["Current Owner : LVNV Funding LLC Affidavit of <em>Truth</em>, Demand for Accounting, and Demand for Restitution ( Demand for Immediate Return of <em>Funds</em>/ Notice of Unjust Enrichment / Constructive Trust ) AFFIDAVIT OF <em>TRUTH</em>, DEMAND FOR ACCOUNTING, AND DEMAND FOR RESTITUTION I, XXXX XXXX XXXX living man, born XX/XX/XXXX, of c/o XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX declare <em>under</em> penalty of perjury and <em>under</em> the common law of the land the following as true and correct : I am a natural person and the sole"]},"sort":[14.154727,"16456514"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":66,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":66}]}},"product":{"doc_count":66,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":27}]}},{"key":"Checking or savings account","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking 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