{"took":253,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8299403","_score":19.285189,"_source":{"product":"Credit card","complaint_what_happened":"Dear Team, I would like to bring to your attention a matter of concern regarding my American Express card. I recently spoke with the American Express Team for Credit Limit, who suggested that pre-paying my card could potentially increase my spending limit. However, it appears there has been an issue. \n\nI pre-paid around {$4600.00} for a larger spending limit on my card ending in XXXX. Despite recently undergoing a Financial Review, which concluded last week, my account was unexpectedly suspended again today. It seems that the suspension occurred when American Express noticed the substantial pre-payment. \n\nThis situation is troubling as it feels like my account is being suspended to utilize the pre-paid funds for American Express 's business expenses. I find this practice unacceptable, especially considering that my account is not suspended when there is no pre-payment. It appears that the suspension occurs only when American Express observes a negative balance, allowing them to make use of customer funds. \n\nI kindly request clarification on this matter and a resolution to ensure fair and transparent practices. \n\nSincerely, XXXX","date_sent_to_company":"2024-02-08T00:45:20.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92126","tags":null,"has_narrative":true,"complaint_id":"8299403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-08T00:31:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Dear Team, I would like to bring to <em>your</em> attention a matter of concern regarding my American Express <em>card</em>. I recently spoke with the American Express Team for <em>Credit</em> Limit, who suggested that pre-paying my <em>card</em> could potentially increase my spending limit. However, it appears there has been an issue. \n\nI <em>pre-paid</em> around {$4600.00} for a larger spending limit on my <em>card</em> ending in XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Trouble</em> using <em>your</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[19.285189,"8299403"]},{"_index":"complaint-public-v1","_id":"2831776","_score":16.914068,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. \n\nThe financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. \n\n2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. \n\n3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. \n\n4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. \n\n5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.","date_sent_to_company":"2018-03-03T10:27:51.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"2831776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-03-03T10:12:03.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I am over my <em>credit</em> limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having <em>trouble</em> doing that. I have not even used that <em>card</em> for many months now, and they still charge me interest and fees. \n\n3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. \n\n4. XXXX <em>PrePaid</em> Debit XXXX."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["You never received <em>your</em> bill or did not know a payment was due"]},"sort":[16.914068,"2831776"]},{"_index":"complaint-public-v1","_id":"6908718","_score":15.984087,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On approximately XX/XX/2023 I purchased a prepaid PayPal debit card at a local XXXX XXXX. At the time I was in transition and struggling with homelessness and most of the hotels in the area only except credit or debit card payments.I had recently lost the primary debit card I received my paychecks on & needed a card to pay for the next few nights of lodging. The packaging said that I could link the debit card to my existing PayPal. The card was priced at about {$2.00}. When I got to the counter I was told that there was a minimum of {$20.00} payment that needed to be uploaded to the card in order for me to purchase it. I puploaded {$300.00} at the time of purchase. When I called the the XXXX number on the debit card in order to activate it I had trouble. I received a message that I no longer was eligible for a prepaid Account & there were supposedly some issues involving my history with Netspend. I did have a Netspend card probably 15 to 20 years ago. it was another prepaid debit card that I had decided to stop using because they charged high fees for swiping your card they charged a monthly maintenance fee and there were just better cards out there at the time so I stopped using Netspend along time ago and I had no idea that my Netspend history would have anything to do with the prepaid PayPal card. at any rate I accepted that I would not be eligible for a PayPal card and ask how I would go about receiving my refund In the amount of {$300.00} that I had just put on the card. I was told that the only option I had for a refund was to have a check sent to me in the mail this cause an inconvenience for me because I did not have a mailing address I was temporarily living from motel to motel I also needed money for somewhere to stay that night. The whole reason I purchased the debit card. I was told that I would have to wait 10 to 15 days to receive a check in the mail. I mentioned to them that I was homeless not having a stable address. several times and there was never any other option for me to receive my refund.\n\nI dont understand why they make it a requirement to buy the card and put money on the card if they have a criteria that may possibly make a person ineligible for an account. \nAs of now it is XXXX XXXX and I still have not received a check to the address that I gave them. I called them yesterday to ask them if the check has been sent and what was going on & I was told that there would be a delay in the processing of my check and I would have to wait another five days. this changes the date of my refund from approximately XX/XX/XXXX to now XX/XX/XXXX. This is close to a month. They instantly accepted the money! But they do not instantly return it. That night I slept outside with my kids at the park. I had put all my cash in the card thinking I could pay for a few nights at a hotel. That was everything I had that day. the customer service agents keep saying that theyre sorry and they apologize but theres no genuine apologetic tone from the customer service agent. They all say the same exact responses like Im talking to a robot. They hear my situation but they offer no other options for people to receive their money except for a check by mail. This has been a huge inconvenience and has created a total hardship for my family. this should not happen to people please help me with this. Thank you.","date_sent_to_company":"2023-04-29T16:36:56.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6908718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-04-29T15:39:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["I did have a Netspend <em>card</em> probably 15 to 20 years ago. it was another <em>prepaid</em> debit <em>card</em> that I had decided to stop using because they charged high fees for swiping <em>your</em> <em>card</em> they charged a monthly maintenance fee and there were just better cards out there at the time so I stopped using Netspend along time ago and I had no idea that my Netspend history would have anything to do with the <em>prepaid</em> PayPal <em>card</em>. at any rate I accepted that I would not be eligible for a PayPal <em>card</em> and ask how I would"],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Trouble</em> getting, activating, or registering a <em>card</em>"]},"sort":[15.984087,"6908718"]},{"_index":"complaint-public-v1","_id":"13051715","_score":15.7849655,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Title : Lack of Transparency Regarding High Interest Rate and Non-Reducing Balance What happened? \nI applied for a CareCredit account online ( issued by Synchrony Bank ) over a year and a half ago to cover the cost of XXXX XXXX XXXX XXXX XXXX. At the time, I was not clearly informed that the interest rate would be 39.99 % APR. If the rate had been clearly disclosed, I would not have accepted those terms especially since I did not have trouble credit at the time. \nDespite making every monthly payment on time, my balance has barely gone down. It seems the majority of my payments are being applied to interest, and the monthly interest charges often exceed my minimum payment, making it feel like I'm falling deeper into debt despite paying consistently. \nThis feels misleading and predatory, particularly considering that this line of credit was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : CareCredit ( Synchrony Bank ) Product : Credit card or prepaid card Healthcare credit card Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on your statement, Confusing or missing disclosures ) Account Number : XXXX","date_sent_to_company":"2025-04-17T16:45:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"13051715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-04-17T16:32:00.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["This feels misleading and predatory, particularly considering that this line of <em>credit</em> was meant to help with essential XXXX XXXX. I believe this violates fair lending and disclosure practices. \n\nCompany Name : Care<em>Credit</em> ( Synchrony Bank ) Product : <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Healthcare <em>credit</em> <em>card</em> Issue : Charged fees or interest I didn't expect ( Also could apply under : Problem with a purchase shown on <em>your</em> statement, Confusing or missing disclosures ) Account Number : XXXX"],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.7849655,"13051715"]},{"_index":"complaint-public-v1","_id":"3584415","_score":15.672689,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I purchased a Netspend PrePaid Debit card with a deposit of XXXX. \nMy intention was for a single use. On XX/XX/XXXX I used the Netspend PrePaid Debit Card to pay XXXX payment to XXXX XXXX XXXX. XXXX XXXX XXXX could not get an authorization for the transaction although indicated to me it had gone through. They returned to card to me. As previously stated, I never had any intention of opening or maintaining any account with Netspend. I  never activated the account cards they sent me, as far as I was concerned my business with them was complete. When my XXXX Social Security Deposit was made to my PayPal Prepaid Mastercard, 1 month and a half later, I am unable to use my funds. It is at this time I find out that A ) Paypal in in cahoots with Netspend and Netspend had come across to all of my paypal accounts including my Paypal Prepaid Mastercard locking them. When I call to find out what was going on I am told I owe XXXX. Impossible, I go on to find out that XXXX XXXX XXXX Force Posted XXXX on to a XXXX prepaid Debit card to which NETSPEND Authorized. Now, a month and a half later, they come knocking on my door, freeze my Prepaid Mastercard which held all of my Social Security Money telling me I was going to pay them that money. That email is attached - I didn't take kindly to them threatening me that they would shut down all my accounts if I didn't pay the {$740.00} The whole point of a PREPAID card to to avoid overdrafts, overdraft fees or charges. Yet Netspend seems to think differently. I don't know of a single bank account or credit card account would allow someone to overdraft a XXXX account by 300 %! Having had another situation with them regarding another prepaid card I purchased at the same time in XXXX, I reached the end of my rope. I submitted the following letter, filed a complaint with the XXXX  demanding they retract the approval for XXXX immediately. I never authorized that, I never approved it, I never even knew about it. I bought a freaking PREPAID DEBIT CARD THAT IS ONLY GOOD FOR THE AMOUNT OF MONEY ON THE CARD! \n\nTwo days ago I received a letter and a bill from XXXX XXXX XXXX   for {$1100.00}, indicating that the bank had rescinded the authorization. The date alarmed me because it was before XX/XX/XXXX and this is the XXXX of XXXX and I have yet to receive the original XXXX deposit I had on the card. I immediately start combing through my emails to find an email sent to me on XX/XX/XXXX with a bunch of gibberish that suggested I may or may not get my original XXXX back. I will file a lawsuit against them if this is now the game they are playing. They take people 's money as if it belongs to them They place irrelevant holds on money putting people through hoop after hoop after hoop. At the end of the day - NETSPEND authorize a 300 % overdraft on a XXXX prepaid card. Not once did they catch it, contact me, stop the transaction, find suspicion because of the ungodly  amount. Not ONCE did they protect me, their supposed \" customer ''. Instead they approve such an egregious transaction and them try to make me pay for it. When I refuse and demand they cancel that approved transaction, they apparently do while continuing to HOLD MY MONEY! Any prepaid debit card company advertises no overdrafts, no fees. The definition of a PrePaid Debit card is the card is good for the amount of money loaded to it. Not according to Netspend. THIS COMPANY NEEDS TO BE SHUT DOWN! \n\nBelow you will read the first letter I sent them when I found out they had my Social Security Deposit., Per their request. I am also attaching the email correspondence from the person who is sitting on my XXXX 3 weeks after they reversed the transaction jabbering some 20 day XXXX for per a customer agreement. I told him I AM NOT HIS CUSTOMER. I never activated the card they sent me to replace the one from the gas station. I want my XXXX NOW! and I want some action taken against these crooks. I am XXXX years old, XXXX on a fixed income and this company is a bottom feeder on people like me and people who don't have bank accounts. Usually it's because they are poor. \n\nI have subsequently closed all PayPal accounts except the last remaining until I verify the transfer of my Social Security Deposit to another institution. Where I never had a problem with paypal and have used them for 7 or 8 years, the meer fact they have brought Netspend into their business cost them their business with me. \n\nI will keep taking what ever action I have to to get my money. Now with the nation in crisis, idiot companies like this see it as an even better opportunity to steal, take, hold, money that does not and never did belong to them. \n\nSincerely, XXXX XXXX XXXX after XXXX XXXX CST attachment groups - My initial response to them when I couldn't access my Social Security in XXXX, and Netspend 's email exchange before and after I find out through XXXX  - NOT NETSPEND that they reversed the charge. \n\nIf you are unable to see the message below, click here to view. \nNetspend Email Security Information : Email : XXXX Update Card Ending : XXXX Dispute Claim Confirmation Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Dear Valued Cardholder, Thank you for reporting this transaction error. We have opened a dispute claim for you. Your claim number is XXXX and should be used for future reference. \n\nWe will begin your investigation promptly. We will attempt to complete the investigation within 10 business days ( or 20 business days if this is a new account ). If we need more time we may take up to 45 calendar days to complete the investigation. For errors involving a new account, a point-of-sale transaction, or a foreign-initiated transaction, we may take up to 90 calendar days to investigate your claim. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. \n\nIf you wish to be eligible for a provisional, or temporary, credit to your account while we complete our investigation, you will need to send us a written notice of your dispute within the next 10 business  days. The written notice should include your name, account number and claim number ; transactions you believe are in error ; and the dates when the errors occurred. If we do not receive your written notice in the next 10 business days, we are not required to provisionally credit your account while we complete our investigation. Please note that for new accounts, we have up to 20 business days to provisionally credit your account. \n\nAdditionally, you may provide other information that you think would be helpful to our investigation - such as a police report, cancelled transaction receipts, or a copy of your agreement with the merchant. The written notice and any additional information should be sent to XXXX or faxed to XXXX. Please include your claim number & account number with all correspondence. \n\nIf we do not receive the written notice or any additional information from you, we will complete our investigation with the information we have available to us. \n\nThe results of the investigation will be sent to you in writing within 3 business days of completing our investigation. \n\nThank you for your patience as we investigate your claim. \n\nIf you have additional questions, please contact the NetSpend Customer Service Department at XXXX during normal business hours. \n\nSincerely, NetSpend Dispute Resolution Department XXXX. XXXX  XXXX XXXX, TX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card Account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. \nNetspend.com | Privacy Policy | Update Email To ensure inbox delivery of Netspend Card emails, add XXXX to your contacts. \n\nThe Netspend Visa Prepaid Card is issued by XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend , a  XXXX XXXX , is a registered agent of XXXX  . Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. \n\n& copy XXXX XXXX XXXX XXXX, XXXX All rights reserved worldwide. XXXX and Netspend are federally registered U.S. service marks of XXXX XXXX XXXX , XXXX All other trademarks and service marks belong to their owners. \n\nNetspend XXXX. XXXX  XXXX, XXXX, TX XXXX The letter I sent when I find out I have no money - It was emailed XX/XX/XXXX to PayPal and to Netspend : Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Inbox x XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to disputedocuments, me Re :  Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX To Whom It May Concern, This letter was just sent to PayPal and will be sent shortly to all the names listed below. \n\nHere is some VERY important information that you should take very seriously - I will be sending this same information to the folks at Netspend as well. Once I do that, I will be taking all the information surrounding the freezing of my PayPal Prepaid Mastercard Account and the other accounts affiliated with the account to : 1. Social Security Administration 2.The Consumer Finance Protection Bureau 3 . National Consumer Law Center, Washington DC 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. State of Wisconsin Office of Attorney General 7. The Department of Financial Institutions - Division of Banking Why? Because the  PayPal Prepaid Mastercard Account olds my Social Security Income and my Social Security Income is EXEMPT ACCORDING TO FEDERAL LAW FROM BEING WITHHELD, GARNISHED, LEVIED under ANY circumstances by ANYONE with the exception of the Federal Government and Child Support. Second to that is Netspend nor PayPal followed ANY of the procedures stated by law necessary before simply locking me out of any source of income whatsoever. Thirdly, Netspend 's reason for doing this is nothing more than a continuation of unethical, unprofessional and unprincipled business practices. By illegally authorizing a rental car company to force post {$1100.00} on to a prepaid debit card containing a {$500.00} balance in XXXX. A transaction I knew NOTHING about until yesterday and a transaction I never approved nor authorized. Netspend, a company becoming fastly known as disreputable, never once notified me of a 300 % overdraft on a {$500.00} prepaid debit card intended for one use. NEVER! Instead they have snuck around the last several weeks slowly cutting access off to all of my PayPal accounts, my XXXX XXXX and as of yesterday, I find my MAIN account, my Paypal Prepaid Mastercard Account LOCKED. This account receives my Social Security Deposit EVERY SINGLE MONTH! As a result of this stunt, I have NO money, my rent check bounced today, I've two bills that have already bounced with a slew more lining up. This will damage my credit. Currently I don't even have a XXXX  to go buy milk, if milk cost a XXXX. I am in need of food for my XXXX animals, medications for myself and the right to continue living like anyone else in this world does. \n\nWhy? Why would ANYONE approve a 300 % overdraft on a prepaid debit card that has been registered less than an hour. WHY? WHY would anyone approve a prepaid overdraft of that magnitude in the first place ANYWAY? WHY, WHY did Netspend not contact me immediately after the transaction occurred? WHY? Why did/does Netspend think I'm the one who is supposed to pony up to someone's authorization of such and egregious amount, not to mention action. WHY, WHY did Netspend not see red flags and fireworks or when they DID see the red flag and fireworks, protect me - ME their customer? WHY, WHY am I being chased for a transaction I did not know about much less authorize? WHY? Does the Prepaid Debit Card not have Visa 's Zero Liability Coverage? If it does, WHY is Netspend trying to get money out of me? WHY didn't Netspend reverse a charge of that magnitude IMMEDIATELY? WHY? More importantly, WHY was it let through to begin with? WHY, WHY didn't PayPal due their DUE diligence by seeing the fact my account was/is exempt from this unprofessional activity by virtue of the fact it contains GOVERNMENT BENEFITS! WHY? Doesn't anybody do their jobs anymore? WHY, WHY did neither company comply with the laws surrounding the freezing of someone's bank accounts? WHY? They had/have a legal obligation AFTER receiving a notice of garnishment ( which never existed ) or notice of Judgement from a court ( which never existed ) to provide me with the results of it's review! The law clearly states that my accounts can not be frozen without a court order. PERIOD. May I remind you here that I DID NOT HAVE A SINGLE CLUE  ANYTHING HAD OCCURRED - NOT A SINGLE CLUE SOME FOOL MANAGED TO OBTAIN {$1100.00} off a {$500.00} Prepaid Debit Card. Moreover, it was also PayPal 's job aside from informing me of some sort of court order, but the date the order was received, a brief explanation of the garnishment, an explanation of PayPal 's responsibility to protect my federal benefit payments that are direct deposited during the look back period and keep them accessible to ME. ( Yes, PAYPAL and NETSPEND need to learn a lot here! ). PayPal and Netspend, particularly PayPal was supposed to protect my account. PayPal DID NOT. I have been locked out of this account along with my PayPal accounts for some time it would appear. As far back as XX/XX/XXXX when I woke up to a strange email message that someone has cancelled their billing agreement with XXXX. It was odd and I had begun having trouble logging in to that account around the same time. Then within the last 10 days I get another strange email telling me my Prepaid MasterCard for THIS account was no good and couldn't be used in XXXX XXXX. NOW I am growing concerned over these odd occurrences. Jump forward to this weekend and everything becomes apparent starting with my intent to list auctions on XXXX - The email address I had formerly used at PayPal to get paid wasn't any good. Then I see a hold on my XXXX XXXX XXXX XXXX  XXXX PayPal account, followed by coming to this ( my PayPal Prepaid Mastercard account ) after 4 attempts to make an online purchase Friday night was declined with a XXXX balance in the account. My anxiety over this series of events started mounting. It wasn't until I spoke with PayPal yesterday, that the entirety of Netspend 's deceptive practices came to fruition. Out of know where I am told I owe Netspend 700+ dollars from another account!! I don't HAVE a Netspend Account. I ask myself how is this possible, I used a XXXX PREPAID card. \n\nAccording to Netspend 's website, and disclosure notice : 1 ) your account is LIMITED to the funds you have loaded on the card. 2 ) You may not exceed the available amount in your Card Account through and individual transaction or a series of transactions - unless WE DECIDE ( meaning you- NETSPEND ) in our sole discretion, to approve such transaction ( s ) and that is only true if you have qualified for \" Purchase Cushion Coverage ''. 3 ) If you do not have enough funds in your account you can instruct a merchant to conduct a split transaction. If you fail to inform the Merchant that you want to do this, your card is likely to be declined. 4 ) In bold letters No OVERDRAFT/Credit Feature. 5 ) If you meet our eligibility requirements, we may authorize negative balances resulting from PIN-based and signature based transaction initiated through our third party bill pay service providers ... .... you may receive only one XXXX negative balance allowance at a time.  Negative balances are approved at our discretion on a per transaction basis. We approve ... .on our authority ... ... ..if we decide, if we authorize ... ... ... That's prevalent throughout your paperwork. No Credit. No Overdrafts, Spend only what's on the card followed by any and everything happens with your approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} PREPAID LESS THAN AN HOUR OLD DEBIT CARD? then did NOTHING to protect much less notify AT ANY POINT along the way, me, your customer. \n\nWhy is a prepaid debit called a PREPAID Debit card if ANY amount can be taken off it while XXXX  the individual who owned it. WHY? What is the point of the XXXX card? I intended for the card to be used ONE time and one time only. The merchant was having trouble getting her computer to accept the forms of payment and finally after much struggling said she got it through but did not get any authorization. She handed me back the card, told me the number of the debit card was on file in the system. She furthered her statement by saying she had XXXX  out the contract so the car could be re-rented however she would get in trouble for doing so but she had to clear the car for rental and things would need to be continued. She KNEW the card had a XXXX maximum limit. Unintending any further usage of the card, I had no reason to check it. I cut it up, disposed of it and did not activate the printed version of the card that came to my home. \n\nWhat concerns me all the more is Netspend blocked another card I purchased within 24 hours of my purchasing it insisting on more intensive proof I was who I said I was. It took me weeks of fighting to get my money back, and not without incurring financial problems, unpaid rent, forced to travel with no money, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again. Netspend, the company who put me through identity XXXX just a mere 6 weeks  ago authorized someone to come in an overdraft another card by 700 + dollars, doing nothing about it, other than 6 weeks later illegally intercepting my Social Security XXXX Income bank account, cut off any and all access I had to get any money by blocking all my paypal accounts followed by now attempting to extort the overdrafted amount THEY caused, out my my own funds. \n\nHow disgraceful is it for a corporation to have XXXX complaints registered with the XXXX XXXX XXXX over the last 3 years. How disgraceful is it for a corporation to be plastered all over the web as the only company to take great steps to fight the placement of the Consumer Financial Protection Bureau 's PrePaid Debit Card Law ( April 2017 ) designed to protect consumers from any hidden terms or overdraft fees on prepaid cards. How disgraceful are you to pay hundreds of thousands of dollars to solicit political favors from the Republican party so in term you could use them as a way of getting rid of it. Some would call that a quid-pro-quo wouldn't they. \n\nBottom line, Netspend NOR PayPal should have EVER Frozen/locked ANY of my accounts. And the process by which they chose to do so clearly violates my rights and the law. \n\nMy Social Security is protected by the Federal Government! therefore, PayPal/Netspend has until XXXX XXXX today, XX/XX/XXXX to restore complete and full access to my accounts - ALL my accounts, including access to my money or all XXXX is going to break loose because I will go to any and every source I can, any source I think may have a hand in restoring access to my GOVERNMENT PROTECTED ACCOUNTS followed by any source that will take action to stop this unprincipled behavior against any other individuals and any source that will advise and assist me in the filing of charges against Netspend and any other parties deemed involved for damages I have sustained from Netspend 's unprofessional, shady and self servicing practices since XXXX of XXXX. You should be advised that this letter will be distributed to all parties listed above, not just PayPal and Netspend and will be done almost immediately after I sign it. \n\nVery truly yours, XXXX XXXX XXXX XXXX After XXXX XXXX \n\n\nThis was also sent to the XXXX  : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Inbox x XXXX XXXX XXXX   <XXXX> Tue, XX/XX/XXXX, XXXX XXXX to me Complaint ID # : XXXX Business Name : PayPal , Inc . \n\nThank you for contacting XXXX. Your complaint was received by XXXX  on XX/XX/XXXX and has been assigned case # XXXX our files. Please make a note of this number for future reference. \n\nYour complaint has been applied to the following business : PayPal , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The case has been reviewed and has now been forwarded to the business for their response. This business has until XX/XX/XXXX to respond to your complaint. You may contact our office after XX/XX/XXXX to check the status of your complaint. \n\nWe encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case please go to the following website address : http : XXXX. \n\nSincerely, XXXX XXXX Complaint Specialist XXXX  Complaint Department This is the first response from Netspend : On XX/XX/XXXX, at XXXX XXXX, Corporate Customer Response Team <XXXX> wrote : >> >> Account Reference Number : XXXX and XXXX >> Dear XXXX, >> Hello my name is XXXX and I am part of the Presidents Corporate Response Team. I will be assisting you any concerns or questions you may have. \n\n\n>> The reason that your account is overdrawn {$730.00} is because XXXX XXXX force posted a transaction on to your account. Since the merchant has obtained your card number, the merchant can sometimes force a transaction to post ( collection ) on your account. In the event this happens, we can open a dispute or you can contact the merchant to resolve the agreed payment. \n\n\nDo keep in mind that the block has been removed from your account ( XXXX ) however, our team can potentially close all your accounts if this balance is not paid. \n\n\n>> If you have additional questions or concerns, please do not hesitate to contact me at the phone number below. \n\n\n>> Thank you, XXXX XXXX Sr. Customer Experience Analyst Netspend, a XXXX XXXX XXXX, TX Office : XXXX Hours : Monday- Tuesday : XXXXXXXX XXXX to XXXX XXXX CST Thursday- Friday : XXXX XXXX to XXXX XXXX. CST Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain  information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\nThis is the last correspondence between myself and Netspend as of today - Important Account Information XXXX  XXXX XXXX Ref. #  XXXX << Reference ID : XXXX >> Inbox x NETSPEND RIP OFF x Corporate Customer Response Team <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  to me, XXXX, XXXX Dear XXXX XXXX Although I have been unable to speak with you, I wanted to follow up on your dispute claims. \n\n1. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that our customers receive when opening an account. We have reviewed your claims and have determine they are being handled correctly. \n\n2. The dispute claim XXXX was opened on XX/XX/XXXX. The claim will be updated on XX/XX/XXXX. The update timeframe for a new account is twenty business days. The letter of dispute must be received in the first ten business days for you to be eligible for provisional credit. \n\n3. The letter of dispute has been received for the claim XXXX. \n\n4. Due to the large negative balance on account XXXX, ( {$730.00} ), our Recoveries Team blocked your other Netspend accounts on XX/XX/XXXX. Those blocks were removed after you opened the dispute claim. \n\n\nIf you have any further questions or concerns, please feel free to contact me at the number below. \n\n\nThank you, XXXX XXXX XXXX Customer Experience Specialist Netspend a Global Payments Company XXXX XXXX Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\n\nXXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate I received a bill from Budget to the tune of {$1100.00} with a letter stating you rescinded approval for the charge they placed on account XXXX. Where is the original {$500.00} I paid for and put on that card on XX/XX/XXXX? Why hasn't it been returned to me? XXXX XXXX letter is dated XX/XX/XXXX which means you reversed the charges prior to XX/XX/XXXX. Today is XX/XX/XXXX. Do I need to file more complaints with the XXXX  and The Consumer Financial Protection Agency, The Wisconsin Department of Agriculture, The Federal Trade Commission and the State of Wisconsin Attorney General 's Office? That money should have been returned to me immediately once you rescinded the force post XXXX did to that account without my authorization, approval or knowledge. You have until Friday to get my money returned to me or I will begin contacting all the agencies listed above. \n\nSincerely, XXXX XXXX XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate One last thing - I do NOT have any accounts with you. I purchased 3 cards for ONE time use. I have not activated any permanent card ( s ) you sent me nor do I intend to. I have never had an account with you - I have only purchased your prepaid gift cards for a single use. Therefore please stop referring to my having an account with you like it's ongoing and we have some sort of relationship - it isn't, it never was. I have subsequently closed all my PayPal accounts except one which will also be closed once my Social Security Deposit hits my new bank accounts. Because of your business practices,  PayPal lost a customer of 8 - 10 years. I will not do business with any company associated with you in any shape or form whatsoever. Stop holding money that isn't yours to hold, at least that's what your email suggests by some claim updates by XX/XX/XXXX ... .and 20 days something or other for account holders. Let me repeat myself - I DO NOT HAVE AN ACCOUNT WITH YOU. If my money hasn't been refunded by XXXX  Thursday night, XX/XX/XXXX, I will proceed with the filing of this entire fiasco to the appropriate state and federal agencies already mentioned in my prior email. \n\nSincerely, XXXX XXXX I want my money NOW - enough of this crooked company! Someone needs to please put them out of business!. \n\nThank you, XXXX XXXX","date_sent_to_company":"2020-03-28T09:42:54.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"53214","tags":null,"has_narrative":true,"complaint_id":"3584415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-03-28T08:20:06.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["That's prevalent throughout <em>your</em> paperwork. No <em>Credit</em>. No Overdrafts, Spend only what's on the <em>card</em> followed by any and everything happens with <em>your</em> approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} <em>PREPAID</em> LESS THAN AN HOUR OLD DEBIT <em>CARD</em>? then did NOTHING to protect much less notify AT ANY POINT along the way, me, <em>your</em> customer."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem getting a <em>card</em> or closing an account"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"],"sub_issue":["<em>Trouble</em> closing <em>card</em>"]},"sort":[15.672689,"3584415"]},{"_index":"complaint-public-v1","_id":"8878002","_score":13.619122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX : XXXX Consumer Financial Protection Bureau1700 G Street NWWashington, D.C. 20552 Subject : Formal Complaint Regarding Ongoing Issues and Inadequate Resolution of Identity Theft Claim Following Equifax Data Breach Dear Sir/Madam, I am writing to file a complaint regarding the mishandling of my identity theft claim associated with the Equifax data breach, under claim number XXXX. Since the breach in 2017, I have not had peace, constantly needing to monitor my credit reports. This ongoing vigilance has caused significant stress, aggravating my XXXX. Despite this, my attempts to claim further damages for the continuous repercussions have been unfairly denied. \n\nBackground : Since the initial data breach, unauthorized activities on my financial accounts have persisted, necessitating ongoing interventions. Although I was recognized as an affected class member and issued a prepaid virtual card by the same office now denying further claims, my extended damages remain unrecognized. \n\nIssues Faced : 1. Continual Stress and Health Impact : The need for constant vigilance over my credit has severely impacted my XXXX health, adding undue XXXX  and exacerbating my XXXX. \n2. Administrative Inconsistencies : The same office that acknowledged and compensated me in one instance has subsequently denied further claims, citing that I am not part of the initial claims, despite having records of my claim and compensation. \n3. Denial Without Just Cause : It is deeply troubling that victims like myself are denied further necessary compensation without clear reasoning, which questions the fairness and integrity of the claims process. I provided the email adress and proof of payment made by same office and they still say they can located me obviously I dont used my same emails as I had to change them XXXX XXXX XXXX Steps Taken : Despite providing substantial evidence of the ongoing impacts and engaging in the appeals process, the responses from the Claims Administrator have been both inadequate and disheartening. The lack of proper resolution has forced me to seek intervention from your bureau. \n\nAction Requested : I respectfully request that the Consumer Financial Protection Bureau : Investigate the handling of my claim and the apparent inconsistencies within the Equifax Data Breach Settlement Claims Administration. \nEnsure that my rights and the rights of other victims are fully upheld, recognizing the long-term impacts of the breach on our personal and financial well-being. \nFacilitate a fair and thorough resolution that addresses the continuous challenges faced by victims of the breach. \n\nI am prepared to provide any additional documentation needed to support my complaint and assist in a thorough review. My hope is for a resolution that finally brings peace to my life and rectifies the ongoing injustices faced by myself and similar victims. \n\nThank you for your attention to this pressing matter. I look forward to your prompt response and am eager for your assistance in achieving justice. \n\nSincerely, XXXX XXXX XXXX Enclosures : Notification of {$5.00} Settlement Prepaid Card Documentation of Entitlement to Identity Restoration Services","date_sent_to_company":"2024-05-01T13:53:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"8878002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T03:56:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> attention to this pressing matter. I look forward to <em>your</em> prompt response and am eager for <em>your</em> assistance in achieving justice. \n\nSincerely, XXXX XXXX XXXX Enclosures : Notification of {$5.00} Settlement <em>Prepaid</em> <em>Card</em> Documentation of Entitlement to Identity Restoration Services"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[13.619122,"8878002"]},{"_index":"complaint-public-v1","_id":"6818792","_score":10.188665,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I initially got scammed back around XX/XX/22 from an online company posing as PayPal. They sent me a fake invoice with PayPal logo on it, stating a charge of {$480.00} from a client named XXXX. The invoice said to dispute the charge to contact the number on the invoice. I did not do any business with anyone named XXXX from PayPal so I immediately contacted the number on the invoice to dispute it with PayPal. The gentleman that answered the phone on the end acted like a PayPal agent even had me log in to some back office that showed paypal 's logo and website address PayPal.com. He told me that he would cancel out the amount that was charged on my PayPal account and reimburse me that amount for the trouble. But I had to provide him my bank account info so he could reset my account. He tricked me into giving him my bank debit card info so he could get the money from my account and credit it back a couple days later, along with the {$480.00}. He cleaned my account of {$4500.00}! He called over the next couple days to check on me and assure me the money would be returned in a day or two, and not to call PayPal or Netspend-if I did it would delay the process of me getting my money credited back. I filed a dispute a couple days later with Netspend. They gave me a provisional credit of {$4500.00} for 90 days while they \" investigated ''. They never contacted me once to help with the investigation. Since then the scammer sent me another email identical to the first one, trying to scam me again. Netspend concludes their investigation with no evidence of scam. Yet I'm out of {$4500.00}, and the credit they gave me has been taken back! I understand nobody wants to pay for a scam bit the everyday consumer who puts their money in banks should not be the victim. Netspend reopened the investigation the other day for 10 days. Yet they still did not call me, even though I left a message for them to contact me to help w the investigation. I am very displeased with the result and do not have {$4500.00} to lose. I have bills and living expenses like everybody else. Please return me the money that was taken, and stop these scammers from robbing other innocent people. The conclusion of Netspends investigation is only going to encourage the crooks to keep doing what they're doing! If this is how Metspend does business with people who have been with them for years, I would not recommend anyone use their prepaid services. This is the second time in two years I lost money with Netspend. The first time I lost a government business loan of a XXXX  XXXX dollars just because the check was in my company name and not my personal name. Terrible service if this is how you treat your customers! You have insurance, you have resources, you lend out our money -- why should everyday hard working people have to suffer from scammers? Why aren't your investigations thorough? Why do you blame consumers for scam and not the scammers???","date_sent_to_company":"2023-04-10T21:55:04.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"28054","tags":null,"has_narrative":true,"complaint_id":"6818792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2023-04-10T21:24:27.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["He told me that he would cancel out the amount that was charged on my PayPal account and reimburse me that amount for the <em>trouble</em>. But I had to provide him my bank account info so he could reset my account. He tricked me into giving him my bank debit <em>card</em> info so he could get the money from my account and <em>credit</em> it back a couple days later, along with the {$480.00}. He cleaned my account of {$4500.00}!"],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"sub_product":["General-purpose <em>prepaid</em> <em>card</em>"]},"sort":[10.188665,"6818792"]},{"_index":"complaint-public-v1","_id":"2808964","_score":9.276703,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern : I am writing to dispute the collection account listed on my credit report. The collection being reported by XXXX XXXX on behalf of XXXX XXXX is incorrect as evidenced by the supporting documentation Ive enclosed with this notification. Id also like to shed light on the unfair and deceptive trade practices XXXX is currently engaged in. \nMy troubles began with XXXX back in XX/XX/XXXX. It was at this time that I had contacted XXXX to extend my internet service for a period of one year as my current contract had expired. Unbeknownst to me, rather than extend my existing term, the sales rep had created a new account. I was later informed by a XXXX employee, this was a common practice in order to achieve sales goal requirements ( I soon learned at the expense of unsuspecting consumers ). \nFor the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, as evidenced by my XXXX account printout from their website and my bank statements enclosed, they had double billed my account. They were direct billing my bank account as a requirement for services ( and as a promotion I was to receive a pre-paid XXXX card, which I never did receive ), so I had little control to stop these payments. When I informed them via phone in XX/XX/XXXX that this was occurring they said they would have it fixed. When it still hadnt been corrected by XX/XX/XXXX AND I began receiving collection calls from XXXX I became furious. It was necessary for me to take off work to go to their local office and get it corrected. \nUltimately, it took me three days of missing work to finally get it corrected. XXXX had agreed to credit my account for the overbilling. This was shown as a credit on my account in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the remainder of the credit in XX/XX/XXXX. This again is evidenced by the lack of billing for those months in the printout from my XXXX account. In XX/XX/XXXX, you can see where the normal billing then resumed. \nI was surprised to learn this account was being placed for collections with XXXX last month. After numerous discussions with several employees at XXXX, I was informed they wouldnt remove the collection and insisted I pay them an additional {$130.00} to remove it. This is having an extremely negative impact on my credit rating and ability to buy a home. I am asking for your help to remove this inaccurate information from my credit file. \nI was okay with the fact that I never received the promotional item promised. I was okay with the fact that the original monthly payment quoted ( see attached ) was not what I received. Where I must draw the line is when they are having a grossly negative impact in my ability to acquire credit. \nTo summarize this injustice ; XXXX double billed me for services, never provided me with the promotional item I was supposed to receive, admitted they were wrong and credited my account, now have placed that same double billing for collections, listed it on my credit report and are refusing to remove it. I am appalled this Company can be allowed to stigmatize consumers credit by extorting them to pay monies not due using this tactic. Any help you can provide assisting me undo this wrongful act would be greatly appreciated.","date_sent_to_company":"2018-03-01T19:53:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"80906","tags":null,"has_narrative":true,"complaint_id":"2808964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2018-02-09T22:52:33.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["They were direct billing my bank account as a requirement for services ( and as a promotion I was to receive a <em>pre-paid</em> XXXX <em>card</em>, which I never did receive ), so I had little control to stop these payments. When I informed them via phone in XX/XX/XXXX that this was occurring they said they would have it fixed. When it still hadnt been corrected by XX/XX/XXXX AND I began receiving collection calls from XXXX I became furious."]},"sort":[9.276703,"2808964"]},{"_index":"complaint-public-v1","_id":"10347411","_score":8.860616,"_source":{"product":"Prepaid card","complaint_what_happened":"I find it funny that I filed complaint on the very same thing CFPB sure BOA for XXXX XXXX for unemployment fraud despite I was denied when I complained about the same exact complaint. Absolutely disgusting to me and so many others of bureaucratic XXXX Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit card or prepaid card Issue Trouble using the card We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT This unemployment nightmare with XXXX XXXX and Bank of America. BOA treated me like XXXX. My claims were ignored they shut my account over 7 times after submitting a claim were XXXX withdraw never came out. Both XXXX  and BoA called me a liar on several occasions, but it was proven by atm provider that unfairly discrimination during XXXX in XXXX  Review attachment. This account has been closed. BOA keeps sending me notices over XXXX years saying that they final decided to reverse their initial hearing and denying me several claims that in XXXX were denied. They are claiming that a dispute was dated in XXXX. See the statement attached. This has been so horrific and I list my house during all of this. XXXX  unemployment is just has guilty. \n\nAttachments 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 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 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 Discrimination. Same thing happening to me and I'm sure lots others in 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. \n\nFeedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS the XXXX atm claim was not what I was filing a complaint about. Its was the other desputes that have finally awarded in my favor 2 years and the last is almost from 3 years ago. It is how I was treated and denied an credit extension which they denied and I lost my house and had my power shut off for 4 days in XXXXXXXX XXXX XXXX I had to file XXXX claims on the atm process because BOA kept closing my account in which I then had to contact XXXX Unemployment and they gave me problems like BOA and was called a liar and a thief by agents. They violated my Consumer Rights and Fair Credit Reporting act. They also treated me so horribly. Look at they are finding claims in my favor 3 years later after the account has been closed. This should tell you just how they do not fully do their job and fully researching customers claims. The online posting of similar situations by former customers is horrible at best. Since these funds were taken from the estate. How much did they profit from my signature and the lines of credit the created? You guys are not fully holding this corporation to the standards they should show us, the Prime Creditors operating in credit system of deception. This is discrimination and allowing banks steal and rob the people. I will file a Identity Theft and securities fraud claim with other agencies since you are unwilling to fully investigate the consumer claims. Aggravated Identity Theft 18 U.S.C-1028 ( a ) and a 3949 Irs form is my next step. Very disappointed in the ineffective duties of CFPB. \nI understand the companys response to my complaint Yes ADDITIONAL COMMENTS It was not the claim of the atm money its the continuing claims they find in my favor 3 years later showing my claim on just how unprofessional and the horrific treatment by this banking criminal syndication. Just like all the fraudulent Mortgages and fractional theft. \nThe company did what they said they would do with my complaint No ADDITIONAL COMMENTS the fact all of these complacent agencies and government agencies that are all working together to fleece minor estates, etc.. \nWhat happens now? \nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who XXXX have similar issues and concerns. \n\nClosed The CFPB has closed your complaint. \nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal","date_sent_to_company":"2024-10-04T17:11:54.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"50266","tags":null,"has_narrative":true,"complaint_id":"10347411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-04T16:54:17.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["Absolutely disgusting to me and so many others of bureaucratic XXXX Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product <em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em> Issue <em>Trouble</em> using the <em>card</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint."],"product":["<em>Prepaid</em> <em>card</em>"],"issue":["<em>Trouble</em> using the <em>card</em>"],"sub_product":["Government benefit <em>card</em>"],"sub_issue":["Problem using the <em>card</em> to withdraw money from an ATM"]},"sort":[8.860616,"10347411"]},{"_index":"complaint-public-v1","_id":"3539033","_score":8.504237,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Name is XXXX XXXX and i am filing a complaint Against HSBC BANK USA NA On the month of XX/XX/XXXX i logged into my HSBC BANK USA NA Bank credit card app to view my credit card balance and i saw 3 suspicious transactions that combined make a total amount of {$3100.00} from XXXX XXXX from purchases i did not make. That same month of XX/XX/XXXX HSBC BANK USA NA had sent me a text message to my mobile phone informing me of fraud activity of a purchase made at \" XXXX XXXX '' of {$31.00}. \n\nI panicked and started to look for my HSBC BANK USA NA Credit card to see if i had it in my wallet or at home and i could not find my credit card anywhere. Very worried about the situation that was happening to me i decided to give HSBC BANK USA NA a call and i spoke to an agent from the fraud department and i explained to him that i am seeing charges in my account that i did not make and asked him what is going on?? This Bank is suppose to be a professional and trustworthy bank, why are they charging me for purchases i did not make? \n\nHe proceeded to help me and filed a claim and a few days later i noticed that the amount was not in my account anymore. I felt safe knowing that the bank had taken care of the situation. They sent a new card. Ever since this situation happened i was afraid to even use my New card so up until this day it's been unused. \n\nThis month XX/XX/XXXX I received a phone call from an HSBC agent stating that i needed to make a payment on my account that it was past due. I knew something was wrong because i have not used the card. As i log in i see that the amount of {$3100.00} is back on the account as if a claim had never been done. So i decided to call again and ask what happened to the claim. \n\nAn agent named XXXX id # XXXX, said that they put the charge back on my account because they needed more paperwork. I was very confused because on the first phone call the agent told me that i did not have to worry about anything and that the charge was going to be removed and that my account was going back to normal to XXXX balance. If they needed paperwork, why didn't they tell me on the first phone call or send a letter to my home or email during the week the fraud on my account happened? why did they lie saying that everything is going be ok and back to normal? This is very unprofessional. \n\nI explained this to XXXX id # XXXX and she said that she couldn't do anything about it and that i needed to file a police report giving them the details of what happened 2 months ago back on XX/XX/XXXX. I asked XXXX id # XXXX why didn't HSBC tell me about the police report when i called the first time in XXXX? Why did HSBC wait 2 months when it was already too late to file a police report?? \n\nI told XXXX politely to please get a supervisor on the phone and she told me that the supervisor is busy and he will call me back, the supervisor never called me back. \n\nI called back the next day to speak to the supervisor and they told me it was passed XXXX and that the supervisor went home and that he will give me a call back tomorrow, and again i never received a phone call from the supervisor This month of XXXX \" Two months later '' after the incident happened and i was told everything was ok and not told any paperwork was needed, i went to the police station because XXXX id # XXXX told me thats what i needed to do. \n\nAt the police station the policemen told me that it was too late to file a police report because 2 months have past by already and this report needed to be done the first week and that since 2 months have passed by, the criminal might have already fled and cameras have probably gotten reseted by now. \n\nI got home and decided to inform HSBC BANK USA NA about what the policemen told me at the police station. I called the bank and spoke to an agent named \" XXXX '' and he said that he still couldn't do anything with out any paperwork, that a supervisor was going to call me back, and \" AGAIN '' no supervisor called me back. \n\nOn Tuesday XX/XX/XXXX i was traveling out of state and i called early in the morning and asked to speak to a supervisor, and again none was available so i told them please tell the supervisor to give me a call before i get on the flight, to call me before XXXX they said ok, and the supervisor again did not call me back, again very unprofessional. \n\nI called again on Wednesday XX/XX/XXXX and spoke to an agent and told him I've called many times this past week and begged him to please get a supervisor on the phone, he made me explain the whole situation to him again and then did a verification process and texted me a code to my phone to verify that it was me. After that he put me on hold and i waited 15 minutes to \" FINALLY '' speak to a supervisor. \n\nThe supervisor 's name was \" XXXX XXXX '' he said he could not provide me with an id number but only his full name and that i would be able to find him with this name only, and no id number was needed. \n\nI explained the whole situation to the supervisor and he told that me that he still needs a report to complete the process, i explained to him what the policemen had told me at the police station and he still did not want to help me. I also told him that HSBC should have mentioned this police report the first day we spoke on the phone and not lie to me and say that everything was going to be ok and back to normal. \n\nI am 2 months pregnant and i also suffer from anxiety and panic attacks, i work a full time job and i am a mother of a XXXX year old child and i also provide care for my nephew and niece it is really hard for me to get out of the house and make trips to the police station which is miles away. I have been very compliant with HSBC BANK USA NA and they have wasted my time and are still charging me for something i did not do. \n\nI read that as an HSBC customer, I am automatically enrolled in their Fraud Alert program which states that i am protected under their \" Zero Liability '' Policy unauthorized transactions. Their website also states the following statement : \" Have peace of mind knowing that HSBC Bank USA, N.A. won't hold you responsible for unauthorized transactions. As an HSBC Debit or Credit cardholder, Zero Liability applies to your purchases made with your U.S.-issued Debit or Credit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if : 1. You have used reasonable care in protecting your card from loss or theft ; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that your HSBC Debit or Credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you have the protection of the Zero Liability promise. To learn more about additional protections with respect to unauthorized transactions, please contact HSBC by calling the number on the back of your card. Zero Liability does not apply to the following ( or certain ) Mastercard payment cards : Commercial cards, unregistered prepaid cards or gift cards. '' Nowhere on the website does it say i need paperwork to be protected.\n\nthe terms also state that they would monitor my account 24/7 and send me text messages of fraud alerts, and the never sent me notifications for the 3 XXXX XXXX transactions, they only sent me a text message notification for a XXXX transaction. \n\nYou can read their Fraud Alert & Detection terms and policy on their website, which i have copied and pasted below : https : //www.us.hsbc.com/credit-cards/fraud-alert/ I will also attach screenshots of their policy. \n\nI think HSBC Bank USA, N.A was being really shady, and tricked me into believing everything was ok, and than put the charge back on the account 2 months later knowing the police were not going to help me, forcing me to having to pay the balance so i would protect my credit history and not damage my credit score. If this is so they are in for a big trouble i am in the middle of buying a house and I am also worried that HSBC Bank USA, N.A will damage my excellent credit report, which will require me to make strong legal actions against the company.\n\nMy lawyer has advised me to take HSBC BANK USA NA to small claims court but i strongly believe that there can be a better solution to this. \n\nThis whole process has been affecting my mental stability and i am concerned for my health. \n\nPlease help me by finding a solution for this matter.","date_sent_to_company":"2020-02-24T17:29:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"3539033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2020-02-20T23:16:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["As an HSBC Debit or <em>Credit</em> cardholder, Zero Liability applies to <em>your</em> purchases made with <em>your</em> U.S.-issued Debit or <em>Credit</em> <em>card</em> in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if : 1. You have used reasonable care in protecting <em>your</em> <em>card</em> from loss or theft ; and 2. You have promptly reported to HSBC Bank USA, N.A. when you knew that <em>your</em> HSBC Debit or <em>Credit</em> <em>card</em> was lost or stolen."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[8.504237,"3539033"]},{"_index":"complaint-public-v1","_id":"7755373","_score":8.199202,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I submitted a credit card dispute with Chase because a company, XXXX XXXX, I worked with did not provide the {$400.00} prepaid race car experience. I waited XXXX weeks to file the complaint as I tried to work with the company for them to refund my money. \n\nWhen I arrived at the event in XXXX XXXX, XXXX XXXX XXXX refused to let me participate. I was told my current driver 's license needed to be issued at least 12 months ago. XXXX XXXX only told me I needed a license for at least 12 months. Ive had a valid license since XXXX and despite my questions about safety and requirements, no one ever said the document needed to have an issue date at least 12 months prior. \n\nChase acknowledged receiving my complaint. I did not hear anything further until at least XX/XX/XXXX when I received a letter saying my dispute was denied. On XX/XX/XXXX, I called Chase to inquire why it was rejected. Your representative told me Chase needed more information from me and could not reach me, so it was denied. \n\nI have trouble believing Chase tried to reach me and couldnt because I get emails from Chase daily. I also get messages through my account on Chase.com but never received anything from Chase ; you can see no messages were sent. The representative asked me a couple of questions and told me to resubmit my claim, which I did on XX/XX/XXXX. \n\nAgain, Chase acknowledged receipt of my complaint. On XX/XX/XXXX, another rejection letter was sent. I did not receive it until XX/XX/XXXX because I was out of the country. I called Chase on XX/XX/XXXX and no one could explain why my claim was rejected. I called again on XX/XX/XXXX and one more time on XX/XX/XXXX. \n\nI was finally told the claim was denied because it had been too long since the event ( XX/XX/XXXX ) was scheduled. I am trying to remember if it was 90 days, 105 days or 120 days but the deadline had passed. I was shocked since, after doing the math, I was notified about the rejection after the deadline had passed. \n\nChase claims to have fought and fought for me but never contacted me. Once they did, the deadline for an arbitrator had already passed. Chase dropped the ball and let the merchant drag out the process until time ran out. My credit card ends with XXXX and is owed {$400.00}, which I will not pay. \n\nIn late XXXX, I finally spoke to a customer service representative who admitted repeated mistakes on Chases behalf. He informed me Chase repeatedly withheld the truth and at times lied. He told me XXXX XXXX rejected the claim due to their terms of service. XXXX XXXX offered me a credit which isnt acceptable to me because Ill never use them again. This customer service representative said as soon as Chase heard that my claim was rejected. \n\nHe also told me that Chase tried calling me once but the call did not go through. It didnt ring or have a busy signal, the call never connected and they never tried again. He admitted the next time Chase tried to contact me was after the appeal deadline! \n\nIf this lack of customer service was not bad enough, on XX/XX/XXXX, I converted XXXX into {$3100.00} cash back. I chose to have Chase transfer the money into my business checking account ending in XXXX. I called Chase when the funds hadnt been deposited by XX/XX/XXXX. I was told the money was transferred into an account ending with XXXX ; I dont have an account ending with XXXX! My money was transferred into someone elses account! Fortunately, it was transferred into a family members account. \n\nHowever, I dont have access to this persons account and its not connected with my online Chase profile. I have no clue how Chase/Ultimate Rewards made this mistake. From my phone calls, no one at Chase knows how this happened either! \n\nThe lack of customer service, support and communication has failed at every turn. Chase, an FDIC member, lied to a customer repeatedly and intentionally over months!","date_sent_to_company":"2023-10-25T14:22:52.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10001","tags":null,"has_narrative":true,"complaint_id":"7755373","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-10-25T14:03:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I submitted a <em>credit</em> <em>card</em> dispute with Chase because a company, XXXX XXXX, I worked with did not provide the {$400.00} <em>prepaid</em> race car experience. I waited XXXX weeks to file the complaint as I tried to work with the company for them to refund my money. \n\nWhen I arrived at the event in XXXX XXXX, XXXX XXXX XXXX refused to let me participate. I was told my current driver 's license needed to be issued at least 12 months ago."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[8.199202,"7755373"]},{"_index":"complaint-public-v1","_id":"2835374","_score":7.7299066,"_source":{"product":"Student loan","complaint_what_happened":"Navient is the culprit, primarily as follows : \" 4 ) Any agreement with XXXX XXXX? Per XXXX staff, the XXXX currently uses XXXX XXXX as an outside collection agency and did use this agency for your account from XX/XX/XXXX until XX/XX/XXXX. This is contracted through their servicer, Navient. The loan was still owned by the XXXX at the time of outside collection activities. XXXX does not have a contract directly with XXXX XXXX and therefore is not able to provide any agreement pertaining to XXXX XXXX. '' Apparently, Navient, from behind the scenes intrudes by using unlicensed third-party debt collectors, such as XXXX XXXX, in which they are unlicensed. Worse still, it directly contracts with these third-party debt collectors, XXXX XXXX XXXX XXXX and XXXX XXXX before that, to have them state they were \" retained '' by agencies of Michigan 's treasury directly. This is blatant fraud. \n\nFirst, of all, Navient has no standing in these matters that expired over a decade ago and are beyond the Michigan statute of limitations. Naturally, when asked for documentation consistent with what is reported on the credit report, they scurry away or stall. Navient 's so-called contract, had better be attached to the response to this complaint as a first step toward getting to the truth. \n\nSecondly, by Navient 's own rules and per the federal rules of reporting to national credit reporting agencies, they must not restate the date on it to make current what is a \" zombie debt '' a decade after it was allegedly in default. For example, in a Michigan Treasury FOIA request, the prepayment of tuition by the student before the tuition was even billed and before the alleged loan funds were disbursed demonstrates the trickery. If any alleged funds were distributed and not \" immediately '' paid back to the lender, then a breach/default occurred on day # XXXX. Therefore, it is false for Navient to interject itself in a debt when no action was taken in a timely manner in XX/XX/XXXX. In XX/XX/XXXX, a full decade later, they pretend to have standing when Michigan stated in court filings that the student had no debt to the state whatsoever. \n\nThirdly, Navient, has no origination records. Navient is no stranger to proofs being AWOL and getting in trouble in court for not having documentation. Now they hire thugs who are unlicensed in my state to collect debt and their lawyers are unlicensed to represent them in Michigan as well. \n\nFourthly, I want an accounting from this Navient servicer on any debits and credits that were made to the college in this CFPB complaint from XX/XX/XXXX to XX/XX/XXXX. If Navient can't provide any notarized records from \" XXXX XXXX XXXX '' then why is XXXX - hired by Navient - furnishing that on my credit report? \n\nFifthly, is this servicer 's hire not following the complete federal requirements? They pick and choose what they want to do and what they don't want to do. They are in violation of the XXXX XXXX XXXX XXXX XXXX servicing regulations. This company needs to for every XXXX of this loan in a verifiable way. \n\nInXX/XX/XXXX, Michigan pre-approved my XX/XX/XXXX tuition, books, gas mileage reimbursement and even a car repair near the end of the year. They really micromanaged that year. I even had to submit attendance records and so forth. no stone unturned. I prepaid through a grant - not a loan - the tuition for XXXX  XX/XX/XXXXand  paid with same credit card again for XXXX XX/XX/XXXX.\n\nHaving nothing to to with any \" qualified educational expenses '' XXXX overstated the amount they were allowed to lend me as did its previous third-party debt collector, XXXX XXXX, did so as well. They appear to be trying to turn a grant into a loan. Problem : last time I checked, XXXX XXXX issued in my name are not how federal student loans are used. Therefore, having been issued a pre-approved credit card by the Michigan XXXX XXXX XXXX XXXX program, there was no need for a loan in XX/XX/XXXXor even three months later. \nI want Navient to produce the contracts with the unlicensed-in-Michigan XXXX XXXX 's \" XXXX XXXX '' in Nebraska ( of all places! ) and the subsequent conflicting XXXX 's \" XXXX XXXX XXXX '' Those federal student loans I got later were all voluntarily included in my Chapter XXXX discharge as of XX/XX/XXXX after a hearing with the U.S. Attorney General at XXXX. All of them. The one from XXXX is the only one stubborn enoough to not follow suit, when Michigan stated I owed them nothing and that was echoed by the bankruptcy judge in an order he filed with the court. By Michigan not participating in the Chapter XXXX bankruptcy, as a stated policy, and by formally abandoning the debt, it is fraud to hire a third-party collection agency subsequently to collect a debt that is over a decade old and had a zero-day repayment period. \n\nNavient needs to call off their dogs. If the federal government is paying the legal fees for this fraud it is complicit.","date_sent_to_company":"2018-03-06T23:49:56.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"48212","tags":null,"has_narrative":true,"complaint_id":"2835374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-03-06T23:21:25.000Z","state":"MI","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I <em>prepaid</em> through a grant - not a loan - the tuition for XXXX  XX/XX/XXXXand  paid with same <em>credit</em> <em>card</em> again for XXXX XX/XX/XXXX.\n\nHaving nothing to to with any \" qualified educational expenses '' XXXX overstated the amount they were allowed to lend me as did its previous third-party debt collector, XXXX XXXX, did so as well. They appear to be trying to turn a grant into a loan. Problem : last time I checked, XXXX XXXX issued in my name are not how federal student loans are used."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Received bad information about <em>your</em> loan"]},"sort":[7.7299066,"2835374"]},{"_index":"complaint-public-v1","_id":"12786102","_score":7.3303742,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting a formal complaint regarding an ongoing issue with toll charges, discrepancies in my account, and poor customer service from the agency handling my account. Despite multiple attempts to resolve the issue directly with the company, I have not received satisfactory assistance or answers, and I am concerned that I have been charged unfairly for fees that I should not owe. \n\nOn [ Date ], I was contacted by a collection agency informing me that I had a past-due debt of over {$600.00} for a silver car. I do not own a silver car, and upon informing the collection agency of this, I was advised to contact the company directly. I also made the company aware that I have a pre-paid toll account and should not have any past-due payments. \n\nWhen I contacted the company, I was informed that my vehicle had been removed from the account, but they could not explain how or why this occurred. As a result, I was left with years of unpaid toll charges that I do not believe I should be responsible for. The company was unable to clarify who removed the vehicle from the account or provide a reason for this action. This lack of transparency is extremely concerning. \n\nNotes in their system indicate that I called the company on XX/XX/year>, and paid off two of my three vehicles, one of which is not registered to me and is not in use. A balance of {$460.00} remained on the vehicle that I drive daily, which my husband also uses for his work. The truck listed on my account, which is my husbands work vehicle, has had no toll activity since XXXX I was later informed that I owed over {$1000.00} in toll fees, and legal action was being initiated against me. \n\nWhen I requested to speak with a supervisor, I was told that no fees could be waived because, according to their notes, I had been informed about the balance. I was treated dismissively and told, You are breaking up, I cant hear you, during the call, which felt unprofessional and unhelpful. After escalating the matter, I spoke with an escalation manager who reiterated that the fees could not be removed, and I was still unable to receive a clear explanation about the removal of my vehicle from the account.\n\nI repeatedly explained that I had not requested for my vehicle to be removed and that there had been no toll activity on the truck that remained on the account. I requested clarification as to why my vehicle was removed and why I was being charged, but my concerns were never addressed. As a result, I informed the representative that I would seek legal counsel and contact the Consumer Financial Protection Bureau ( CFPB ), as I felt the situation was unjust.\n\nDuring my conversation with the manager, I mentioned that the collection agency had offered me a settlement of {$640.00} to resolve the matter. However, the manager stated that no fees could be removed from the account. Later, the manager offered to reduce about {$200.00} in fees if I agreed to pay the entire remaining balance in full, which contradicts the earlier statement that no fees could be removed. This inconsistency further raised concerns about the transparency of their practices.\n\nDespite feeling that these actions were unfair, I agreed to start a payment plan to show good faith. However, I am still troubled by the companys refusal to provide clear answers and its insistence on charging me for fees that I believe should be removed. Additionally, the company blamed me for not checking my account online, despite the fact that my account was set up for automatic replenishment to prevent late payments, similar to how credit card accounts work.\n\nAfter making a payment, I asked for clarification about when my vehicle was removed from the account. I was told that no note was made in the system, despite the fact that I had made a payment on XX/XX/year>. I also made additional payments in XX/XX/year>, but at no point was I informed that my vehicle had been removed from the account. I would never have knowingly left a balance on a vehicle that is used regularly on toll roads. \n\nI asked when the last statement had been sent to me, and the representative stated that one was sent in XXXX, with another currently being generated. I was advised to check with the post office. However, after being hung up on during a follow-up call, I was placed on hold again for over an hour, and the manager never answered my call. Shortly thereafter, I received a notice of a vehicle ban order and intent to impound, which I believe is both unfair and potentially illegal.\n\nWhile I am willing to pay the past-due tolls for services I have used, I do not believe it is ethical or legal to charge me hundreds of dollars in fees without providing proper explanations or adjustments to my account. I feel that I have been treated unfairly and that the company has not acted transparently in managing my account.\n\nI am requesting that the CFPB investigate this matter, review the charges, and ensure that appropriate adjustments are made to my account. Additionally, I request that any legal action against me be halted until the situation is properly resolved.\n\nThank you for your attention to this issue. I look forward to your assistance in resolving this matter.","date_sent_to_company":"2025-05-13T17:07:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"12786102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Valor Intelligent Processing, LLC","date_received":"2025-04-02T22:23:20.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> attention to this issue. I look forward to <em>your</em> assistance in resolving this matter."],"sub_issue":["Seized or attempted to seize <em>your</em> property"]},"sort":[7.3303742,"12786102"]},{"_index":"complaint-public-v1","_id":"3740953","_score":7.0512342,"_source":{"product":"Debt collection","complaint_what_happened":"I was a customer of XXXX for many years and when I reached the end of my final 24 month contract, I decided to purchase my XXXX for the remaining price which was approx {$130.00} so I could have it unlocked and use it with another carrier. Over the course of 24 mos, in addition to my cell phone bill, I paid approx {$480.00} in monthly payments towards the phone, an XXXX XXXX. \n\nSince my contract was fulfilled, my options were to return the XXXX XXXX and upgrade to a newer XXXX at a higher cost for 24 additional mos ( which they pressured me to do numerous times ), return the phone to XXXX and disconnect service, owing nothing except the final bill which was set up on auto pay OR purchase the XXXX for the remaining balance which would make the phone mine and as agreed XXXX would unlock the phone and I would keep it and be able to use it with another ( less expensive ) carrier. \n\nI paid the {$130.00} to XXXX over the phone using my debit card and when I was transferred to the department that unlocks paid for phones, I was told that the XXXX representative did not apply the {$130.00} towards the XXXX balance but instead towards my final bill which was not yet due and was set up to be paid using auto pay, per usual. Upset by the deceptive practice, I felt that XXXX did not want to lose me as a customer and therefore was trying to avoid releasing the phone to me and unlocking it. I immediately called the billing dept back and questioned why this was done as it was very deceptive and also illegal because my bill was not even due yet, so how funds I paid to buy my phone ( and clearly discussed that with the representative who then transferred to have the PAID OFF phone unlocked ) were instead applied towards a future bill, not yet due ... I dont know. \n\nI had a lot of trouble with XXXX over the years and by this point I was very much ready to leave XXXX, their service is extremely expensive compared to competitors and I had been counting down the months until my contract was fulfilled so I could purchase my phone and leave, on good terms of course. At this point, I decided that I no longer wanted to do any more business with XXXX so I asked them how I could return the phone to them because they refused to apply the {$130.00} towards the phone and instead kept it for my future and final bill. \n\nI was instructed to take the phone to the XXXX  store near my home and that they would take care of it. My final bill had been paid and I was no longer a customer of XXXX at this point. I purchased a new XXXX XXXX from XXXX a XXXX  activated service through a prepaid carrier the following day, the same day I returned the XXXX XXXX to the XXXX store. Locked XXXX  are useless and can not be used through XXXX or or any other company, XXXX knows this and I know this. Everyone knows this. It would serve me in no way to keep a phone that was unusable, especially since it would have cost me {$130.00} anyway. \n\nI returned the phone to the XXXX  store near my house where I had been many, many times over the years and was familiar with many of the employees. When I returned the phone, it was put into a bag, sealed, I signed a form, they looked at my account and said that I was paid up and thank you for your business. That was it. \n\nAbout a 30 to 45 days later I begin to receive phone calls and voicemails from XXXX saying that I owed them money and it took me several weeks days to get in touch with them but when I finally did, I asked them to look up my account but was informed that there was no longer an account for them to look at they said. I knew this wasnt true and finally after several calls and many hours on the phone with multiple different people and supervisors I was told that I still owed the {$130.00} for my phone as well as my last bill. \n\nI explained that I turned my phone in and that I had paid my last bill, what Id been saying for weeks. They denied having access to my account since it had been closed over 30 days prior, denied receiving the phone, basically told me that they had no proof that I paid the {$130.00} because once my account was closed all my account information was lost but that I still owed them for the phone and the final bill. I was dumbfounded. \n\nI was able to track down the amount paid to them for the XXXX that was instead applied towards my final bill deceptively on a debit card statement at a bank account thats no longer open today and even with that I never heard back from anyone and continued to receive the runaround. I requested that the cameras be viewed at the XXXX  store to show that I returned the phone and they told me that was not possible but that they believed me and would look into it. I requested a police report be filed against the store but was told that that was not possible nor necessary. \n\nXXXX claimed to have no record of my account after its closure and I no longer had access to my account at that point either so eventually I finally gave up on XXXX knowing that I paid them in full and after being told by a supervisor not to worry about it, that it was probably a big mistake. I sensed a cover up but was also relieved to be done with it, trusting theyd do the right thing. \n\nMonths later I see that XXXX has sent this account to collections and it is now on all three of my credit reports as a negative account in collections, which is completely false. In addition, they are claiming that I owe them nearly double the amounts of the phone they say I did not return as well as the final bill that I have proof that I paid that they claim I did not. They have inflated the amount due and can not give me any explanation. \n\nThe last time I contacted XXXX was about four months ago and was told that because it was sent to collections it was no longer in their office and I need to call the collections company. This is after I was promised it would be taken care of and after I did everything right and honest. \n\nI have disputed it with XXXX XXXX and XXXX  but because XXXX claims to have no records of my account details and I no longer have access to login into that account ( it was suspended the day I closed the account and turned in the XXXX ), I can not get proof of any of this and I think that is XXXX intentions. Each of my dispute has been denied. I am very upset about this and feel that I was the victim of a crime, I was lied to, stolen from, and now Im being billed again and my credit affected negatively. \n\n\n***DISPUTE FROM XXXX  : XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. \n\n\n\nIf an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. \n\n\nHere are your results ALLIED COLLECTION SERV Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. \nXXXX icon Updated You can contact ALLIED COLLECTION SERV at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX or ( XXXX XXXX XXXX After your dispute : Account Name ALLIED COLLECTION SERVIC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. \nStatus Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$350.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Historical Information Original Creditor XXXX Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. \n\nBalance History XX/XX/XXXX {$520.00} Balance {$0.00} Scheduled Payment {$0.00} Paid","date_sent_to_company":"2020-07-17T13:53:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"78729","tags":null,"has_narrative":true,"complaint_id":"3740953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Allied Collection Services, Inc. (Nevada)","date_received":"2020-07-12T01:19:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If an item you disputed is not in the list of results below, it was either not appearing in <em>your</em> <em>credit</em> file or it already reflected the requested status at the time of our reinvestigation. \n\n\nHere are <em>your</em> results ALLIED COLLECTION SERV Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to <em>your</em> dispute has been updated. Please review <em>your</em> report for the details."]},"sort":[7.0512342,"3740953"]},{"_index":"complaint-public-v1","_id":"2842715","_score":6.7700925,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Capital One ReBill {$62.00} for XXXX Dispute. I purchased merchant from XXXX 's after market merchant reseler name \" XXXX '' XX/XX/XXXX XXXX Order : Online order XX/XX/XXXX Order # XXXX Order received XXXX + XXXX XXXX Lithium Pet Hand Vacuum Capital One Credit Used XX/XX/XXXX -- -- -- -- -- message sent to XXXX which XXXX require contact directly with after market merchant -- -- -- -- -- I HAVE BEEN TRYING TO RETURN LAST 2 WEEKS. FROM XXXX ORDER WEB SITE NO INFORMATION ON YOUR COMPANY. FINALLY FOUND PHONE NUMBER BUT NO ONE COME OUT. NO RETURN POLICY WRITTEN OR FOUND. NO CHOICE BUT TO SEND EMAIL AND DISPUTE ITS CHARGE. PLEASE SEND XXXX NO AND ADDRESS FOR RETURN FOR REFUND. with giving my phone number, order number and address. \n\nOn XX/XX/XXXX XXXX XXXX, \" XXXX Sales '' XXXX wrote XXXX Thank you for your email. No problem getting you a refund. \nWe are sorry to hear that you want a refund. We try very hard to accurately describe all our items and to include all the information needed for you to make the correct purchasing decision. All packaging must be included and the item must be complete. \nRefunds are not issued for any shipping charges. Please return the product to us and include : 1. Copy of this email 2. Name 3. Address 4. Order number if available 5. Reason for return 1. Keep coming out Handler. Easy to get stuck. Piled up dust in filter too quickly after few minutes or several minutes. Easy to loss of sucking power. etc. Too much trouble. \nFor your protection, we recommend that you use XXXX or XXXX XXXX XXXX Mail for shipment so that it can be tracked and or verified that we received the item. Our address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Refunds are processed within two business days of receipt of the returned product. \nRefunds are credited to the account that was used to make the purchase. \nWe look forward to assisting you in this matter and hope that we can work together again soon. Your time and business is appreciated. Thanks again, XXXX XXXX XX/XX/XXXX Respond and got XXXX number. Reason for return is \" Defective '' XX/XX/XXXX -- - Sent Message to XXXX -- I am ready to return but unless you email me paid shipping lable I can not send. Please provid asap. \n\nXX/XX/XXXX Thanks for your email. We dont use prepaid labels since we shipped the item to you at our expense. We pay to ship to customers and customers have to pay to ship to us. \nThanks for shopping with XXXX. Please let us know if we can assist you in any way. Thanks! XXXX XXXX Store On XX/XX/XXXX, at XXXX XXXX, XXXX Customer Care XXXX wrote : Dear XXXX , ** THIS IS AN ESCALATION ** Do NOT reply to this email Order number : XXXX Item name/number : XXXX/ XXXX XXXX XXXX Cordless Lithium Pet Hand Vacuum / Customer name : xxxxx Customer phone number : XXXX   Description of issue : Please contact the customer to arrange to cancel/return/replace an item they ordered from you What you need to do now 1. Contact the customer and provide a level of service that will satisfy the customer 2. Communicate directly with the customer and let them know what action you have take If there is a technical issue that XXXX needs to be aware of, open a support ticket referencing the order number and the issue/problem. \nSincerely, XXXX Customer Care Issue : XXXX Refuse to provide Paid Return Label. Customer has to pay even product is defective. Keep falling apart or separate Vacuum part and Handle Part. Vacuum power does not last long. UPS Ground Shipment Cost with Insurance up to {$100.00} is {$20.00}. Why customer has to pay? no refund or guarantee from XXXX? \n\nXX/XX/XXXX Chat with XXXX : XXXX XXXX : Thanks for chatting with XXXX! XXXX XXXX XXXX and Ill be assisting you today. \nEnter Your Contact Information Please review your contact information and make sure it is correct before clicking Submit. \nFirst Name * Required Last Name * Required Phone Number * Required Email Address * Required Order Number Please briefly describe your reason for contacting us. *Required Refund on Order No. XXXX. XXXX XXXX Cordless Lithium Pet Hand Vacuum Due to Defective. Returned by XXXX XXXX no. XXXX Delivered on XX/XX/XXXX XXXX XXXX I paid {$20.00} for shipping. No Refund of {$62.00}. Pls Advise XXXX or XXXX Never refunded me {$62.00} in addition I lost {$20.00} for shipping for return on defective product. \n\nXXXX XXXX : Hello I hope you are having a great day! Im so sorry to hear that you are having issues with this refund and Ill do my best to help out. \nXXXX XXXX : For security purposes can you please provide your full billing address including city, state, and zip code that is linking with the XXXX account that was use to placed the order? XXXX XXXX XXXX : Awesome! XXXX XXXX : I was able to see that your item was sold and shipped by a third party seller ( XXXX ) please may I know if you already tried to reach them? As they fulfilled the item. \nRespond : They never responded back to me. \nXXXX XXXX : I'm so sorry to hear that! \nXXXX XXXX : Do not worry, you are in good hands. \nXXXX XXXX : For this reason, I'm escalating this incident to a specialized team. \nXXXX XXXX : And I will be glad to contact the seller in your behalf, to have this incident resolved in the best way for you. \nXXXX XXXX : I will be glad to request the best option for you, and in no more than 1 business day we will contact you back via emails, with the details of your refund process. \nI Responded : I also paid {$20.00} for Shipping back to them even though it was defective. Keep falling off the handle and vacuum part and sucking power looses sooner. ; Don't I get a reimburse on this unit? they were refusing to pay for it. \nXXXX XXXX : I'm so sorry to hear that! I really appreciate your time, to bring this incident to our attention. I'm happy to transmit your information to the proper department. \n: Our department will reach you tomorrow via email, regarding this situation. \n\nXX/XX/XXXX Before they reach me by email, I found out Captial One has Rebilled on XX/XX/XXXX today to my Master Card for {$62.00} for this order instead of Renfund after Capital one has made courteously credit was made. \n\nAppears on statement as : XXXX XXXX  XXXX AR XXXX XXXX XXXX XXXX XXXX  ... xxxx {$62.00} XXXX, AR XXXX Purchased : Mon, XX/XX/XXXX Posted : Tue, XX/XX/XXXX Spoked to several people in Capital One and expects me to fill out the form and return for dispute for. Just going circle and not being able to talk with Supervisor in the USA. \nDispute Department and Fraudulent Department staff are out sourced and they informed me All Supervisors are in the US and I have to call back next day instead of they calling me back. \n\nXX/XX/XXXX There are {$4900.00} credit form XXXX but this is not amount that it should be. \nXXXX Grocery ... xxxx - {$49.00} AR XXXX ( XXXX ) XXXX Merchant Website Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX XXXX AR XXXX XXXX I have tried every thing to return product that purchased with XXXX After Market Seller and contacted dozen times with XXXX '' s seller, XXXX and Capital one and ended up spending more than 12 hours for returning Defective Product. I already provided XXXX proof of delivery, not receiving {$62.00} for refund, Capital one expected me to do many works and had to speak with several people and not being able to resolve. \n\nWith XXXX I can not tract any return and refund status especially with 3rd party XXXX 's reseller or aftermarket Merchant. They do not inform any of refund status. Third party Merchant does not communicate much especially after the merchant has sent back. It is not like XXXX that always keep track of all the order, return, refunds.","date_sent_to_company":"2018-03-14T05:51:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"970XX","tags":"Older American","has_narrative":true,"complaint_id":"2842715","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-03-14T04:50:05.000Z","state":"OR","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I really appreciate <em>your</em> time, to bring this incident to our attention. I'm happy to transmit <em>your</em> information to the proper department. \n: Our department will reach you tomorrow via email, regarding this situation. \n\nXX/XX/XXXX Before they reach me by email, I found out Captial One has Rebilled on XX/XX/XXXX today to my Master <em>Card</em> for {$62.00} for this order instead of Renfund after Capital one has made courteously <em>credit</em> was made."],"product":["<em>Credit</em> <em>card</em> or <em>prepaid</em> <em>card</em>"],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[6.7700925,"2842715"]},{"_index":"complaint-public-v1","_id":"4607341","_score":5.8748584,"_source":{"product":"Mortgage","complaint_what_happened":"M & T Bank failed to pay my homeowner 's insurance from my fully paid escrow account. I was notified the payment was late on XX/XX/XXXX and my insurance policy was cancelled by XXXX XXXX on XX/XX/XXXX, leaving me uninsured. During those 5 weeks I spent much effort and time calling both M & T and my insurer. Three times M & T assured me the check had been sent, only for the customer service rep I spoke with on a follow-up call to tell me that check had been \" cancelled by the system. '' There was no accountability and nobody could identify the cause. \n\nTo further complicate things, each time I called M & T 's customer service line and navigated the phone tree, once I chose \" escrow '' I simply received a recorded message that a check had already been sent, with no option to speak to a person. I tried many options to try and get around this roadblock, and finally had to *pretend to have a different problem. * I had to choose \" trouble with an insurance claim '' to get a person, after which I begged them to transfer me to someone who could help. \n\nIn a panicked 3-way call on XX/XX/XXXX a M & T Bank customer rep informed me that \" we don't do escrow for co-ops. '' I told her I had been issued an escrow mortgage by M & T itself seven years ago and had paid faithfully, and the online payment portal has a separate line-item for escrow. She repeated that I now had a \" non-escrow mortgage. '' There was no explanation for the change and no one had informed me of it prior to it being effected. \n\nTo add insult to injury, once she dropped off the call a customer service satisfaction survey recording kicked in. I was almost crying as I begged the other rep not to hang up as the interminable, chirpy recording played twice through. I was afraid the call would auto-disconnect when it was done. \n\nI was assured that THIS TIME a check would go out to XXXX XXXX. I was assured I would also receive a refund check for additional paid escrow. I said I wanted this all in writing because I had talked to many people and they all had told me different things. I said, \" Okay so now I wait for the check to go to XXXX XXXX, I wait for a refund to me, and I wait for a letter explaining what happened, and I also no longer pay escrow, right? '' The second rep waited while I checked the online payment portal and, sure enough, there was no longer an escrow form field. I was astonished that such a consequential change had been made with no notice to me, and that somehow that change in \" the system '' had resulted in two checks being auto-cancelled. It seemed the me this surely affected hundreds if not thousands of people who all individually were forced to play detective and figure out what was happening. It was also highly suspicious that I had been able to pay escrow online in XXXX, which would have been*after* this supposed policy change. Had the change been legitimate and timely communicated throughout M & T I would have received notice in XXXX, and the online portal would have simultaneously reflected the new policy. \n\nIn order to reinstate my insurance I had to pre-pay my premium with a credit card as the insurer waited for the check ( which none of us believed at that point would ever arrive ). My insurer also had to issue me a revised, non-escrow policy. \n\nWhen I received a letter from M & T Bank it was simply several terse lines of internal bank jargon. There was no apology or explanation or even any sentence in recognizable English. Had I not just spent hours of my life troubleshooting M & T 's mistake I would have *never* understood that this letter referred to escrow, a change in policy, a change in payment portal, anything. It literally says \" We are removing the HO6 policy from your escrow account and you are responsible for the payment of the HO6 policy. '' No recipient of this letter knows what an \" HO6 '' policy is, and the sentence seems to contradict itself. The letter also managed to appear to *blame ME* for the type of mortgage M & T had *issued to me*, stating sternly \" we do not require that you maintain an HO6 policy. '' The letter did not mention that M & T failed to pay my insurance that I had prepaid in good faith. The letter did not mention the refund check, so had I not specifically asked about my additional escrow payments during the XX/XX/XXXX call ( and I was the one who brought it up and persisted until I got an answer ), I would have been flummoxed by receiving a random check in the mail. \n\nThis was all 2 months ago. I was angry but it was fading. Then this week I received a letter from M & T Bank stating that the previous letter was in error and in fact I should have an escrow mortgage, that I am required to have an escrow mortgage. AS I ALREADY KNEW AND HAD ATTEMPTED TO TELL EVERY CUSTOMER SERVICE REP I HAD SPOKEN TO. There was this time a slight apology, as in \" sorry for any inconvenience this may have caused. '' Inconvenience??? MY INSURANCE WAS CANCELLED & I PRACTICALLY HAD A NERVOUS BREAKDOWN. \n\nAs the final indignity, as in someone spitting on you, M & T wants ME to send back the refund check so they can put it back into the escrow account I had paid into in good faith and they themselves unilaterally cancelled with no notice. I also will have to tell my insurer they have to revise my policy yet again, back to an escrow mortgage. \n\nAll of the burden : emotional cognitive, logistical, financial, and potentially hazard, was placed on me ( and all those in my position ) by M & T FOR ITS OWN EGREGIOUS, INEXPLICABLE MISTAKE","date_sent_to_company":"2021-08-05T12:58:58.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11221","tags":null,"has_narrative":true,"complaint_id":"4607341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2021-08-05T10:49:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In order to reinstate my insurance I had to pre-pay my premium with a <em>credit</em> <em>card</em> as the insurer waited for the check ( which none of us believed at that point would ever arrive ). My insurer also had to issue me a revised, non-escrow policy. \n\nWhen I received a letter from M & T Bank it was simply several terse lines of internal bank jargon. There was no apology or explanation or even any sentence in recognizable English."],"issue":["<em>Trouble</em> during payment process"]},"sort":[5.8748584,"4607341"]},{"_index":"complaint-public-v1","_id":"8615308","_score":4.210939,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX verified and provided proof that my loan & closing documents have been altered from originals without my knowledge or permission. XXXX, my 1st Servicer informed me, \" she had recvd 5-7 different disclosures none of the matched, had signatures nor were notarized. I stated that's what I have as well there was no notary at closing and I signed my documents on the way to closing because my lender kept sending me someone else 's information all the way up to close, I kept responding back to the lender, wrong customer, wrong purchase price. I have a XXXX XXXX loan these are FHA 's, my interest rate is locked in, its 3 %! Though fell on deaf ears. Night before close, the lender answered my call I called from a friend 's phone I never ever had the lender respond or answer my calls. I lost my temper and stated I came to you wanting one loan it's the only one I prepared for with my counselor for over 8 months I have a grant and down payment assistance they've been trying to get a hold of you you were supposed to lock me in at 2.86 % and you forgot gave me 3 % I'm still not happy about and I can't afford this loan if you're thinking that this is for me. The rush was on. A document now states that I made changes causing everything to be rewritten. Docs were reused including the contract to purchase real estate by agent from home I almost bought with another lender. registered amount of home now the purchase price from the prior property I almost purchased and didn't applied to the home I did buy registered on the wrong date by the title company, knowingly. Day before underwriting lender asked for my XXXX  letter. I was on XXXX but I found it odd that she didn't even have proof of my income yet, though didn't matter the amount she used was inflated. I made a dispute with a cfpb regarding the lender running my credit prior to me even knowing her, she ran my credit on that she ran my credit stating I had provided paycheck stubs on XXXX and my driver 's license which I did n't drive due date XXXX. I had another lender at the time it was closing on the other house just checking prices. I use the lender because I was on XXXX low income and was relying on my credit score and great payment history. I had to use her because she'd already ran my credit I couldn't risk a third hit when my orig lender backed out. I asked the lender if I should unfreeze my credit prior to underwriting I received no response like normal from her. the lender stated that there was no change although after speaking to XXXX and XXXX XXXX it was noted on my credit report changes had occured, there have been a significant rise on my credit the lender stated that no changes had occurred even in a cfpb response to a dispute. XXXX verified the lender lied. my credit was frozen she never even checked my credit again I feel just out of breed she did this so that I would have to pay PMI cuz I wouldn't have had to if she would applied my grant and down payment assistance that she just ignored like she did me and then she also altered the seller credit I was receiving verified by the seller he never reduced it but my lender did twice from XXXX down to XXXX. I asked the lender if she was familiar with applying the down payment assistance and home ready loans she stated she was very familiar with all of that and it would not be a problem. the lender never applied my gift money properly and then applied prepaid homeowners insurance removed it and then added it back in knowing it was prepaid and then used it towards my cash to close that I should have got a refund on. I was forced to pay for the XXXX taxes for the seller which I had stated profusely I did not want on my mortgage loan and that he had to pay it prior to close along with his overdue water bill I was ignored and my agent showed up even though he had been fired just to tell me he had never negotiated the price or got me my survey or even the repairs that I had stated had to happen I had required a home inspection the agent was so green and didn't have anybody to guide him that he thought a home occupancy was the same thing he didn't do these things because he had public anxiety he didn't even know who my lender was. I kept stating I'm under duress and I don't understand this but I was handed a phone with my lender just screaming at me that she'd explained everything I only talked to her a couple times and it was usually her screaming at me for something never did she answer any of my questions or give me any options or provide me with documents when they were supposed to be provided she had no idea who I was and nothing about my mortgage loan and then wanted me to sign to keep her out of trouble documents and then told me that the sellers lived out of state and to make everything easy and not delay the process go ahead and sign things and then they have the seller sign his signature and terms or whatever and they give me a copy later we can discuss it if there was anything I didn't like. the grandson down payment assistance never applied that I already had confirmed compatible I was told by my lender that I was turned down for the XXXX XXXX  loan and also that I had a XXXX property I don't have that either no government backing also I was told I had. I have a thing called a shared driveway and there was no agreement put in place for my XXXX XXXX  loan that I was approved for and lied to about. this is a constant problem and I'm constantly being threatened by the person who owns the driveway and now served with a cease and desist from the city I'm not allowed to step in the driveway and have to pay for a curb to be cut.. lender refused to answer the many messages of the grantee and then just never applied so desperately needed assistance for reasons unknown not even the 3 % Fannie Mae offers. I did not receive a loan estimate that I even thought it was mine because it had a different kind of loan the wrong seller wrong amounts I just thought since you never got back with me ever she was so busy she was sending the wrong person 's information or filling it out wrong she never would answer me when I would stay this is, XXXX I'm the XXXX XXXX loan. I have spent 3 years and nothing less arguing fighting begging with my Mortgage Services regarding which documents are real and which ones are not. I'm charged improperly, I have servicing errors that occurred the first day I had the loan yet no one ever updates are corrects this information even with proof provided. I did not have a reserve and escrow yet I'm being charged for one. APR changed. and part of my CDs were used from the other loan she was trying to stick me with. she required a gift from my mother who couldn't afford it but didn't want me to be homeless not once but twice. infuriated me I prepared and had enough money with the assistance for 20 % down I repeatedly asked for how much that would be and never receive that information. somewhere between my first service or my second the documents were corrected and put in the possession of servicers. although the service are still had the old ones as well. at 6 mo after closing I received altered documents stating that the seller 's wife now was one of the sellers and on disclosures the seller was now a corporation, the sellers business that I can't find any corporation listed at that time. I had made a complaint because the person I bought the house from was listed on over XXXX different houses as owner occupied and remained on mine while I paid his XXXX taxes. I was supposed to get a tax credit for XXXX on time seller lived her but that disappeared this is a rental home one of many of the sellers. I received an amendment page six closing disclosure they only change was the wife 's name listed at the top and this address of the home I purchased. The parcel for my County now blocked out any prior owners and deductions they recvd. I found out that the managing broker for my real estate agent wasn't licensed at the time of purchase. I had refused to give my agent cash for a quick and guaranteed sale on a he was flipping. I reported them to my lender and her response back was well they are adding additional commission to your mortgage loan are we adding it or not closing? so the money I wouldn't pay them under the table was added to my 30-year loan. I reported the lender, real estate agent title company and managing broker even the seller but no one did anything. I don't know why. I have had an attorney look over it and what they did was illegal. I don't have the money for an attorney and there is no attorney that will sue a lender because those are just cases that don't win or they want so much money to start I do not have. I have contacted all the freebie attorneys with land of XXXX nothing available closest one over 8 to 10 hours away. I have over 19 missing payments, I've had five servicers, equity principal interest and escrow accounts are completely off. I have 3 different times the escrow balance that's transferred it is listed as a bounced check, the wired escrow balance, and I start from zero every time. I have filled out notice of error after notice of error they are ignored or I get back no servicing errors have occurred or promises that these items will be fixed, sometimes they are and then somebody changes it all back sometimes they're not fixed it all. I have even had the help from Secretary of State Senators office and many others even not for profits these things get corrected and all reverted back to the errors they were before. I was a victim of XXXX card swapping identity theft there were multiple people who were attached to my sims card and had access to all my personal and financial information and records. multiple payments with every one scheduled bill pay by me all of my billers were receiving five, six, even seven different payments on the same day. my bank stated it wasn't happening they didn't see it, it wasn't happening yet all the companies receiving the checks definitely could see it that information provided to the bank and I was hard closed. XXXX XXXX I was with at the time never would assist me and told me I was not getting any bank statements unless I hired a lawyer and had them requested. FOIA request ignored. I still didn't know that my cell phone information was being shared on a 24-hour basis with internet criminals. I opened an account at XXXXXXXX XXXX. everything started happening again. I had the account for 9 months, I endured over {$9000.00} in XXXX charges every 30 seconds for 32 days straight never informed from the bank and locked out. at the time I was caring for my father who was in hospice, my attention was elsewhere. I wasn't concerned at the time I didn't know I had placed {$20000.00} in the account and thought it to be safe it was the first month I opened the account. the banker at regions didn't understand what was going on I didn't either but he kept reporting three of the charges for the charges five of the charges here and there never all of them like I had disputed all at once immediately. XXXX closed again. the 9 months of payments I had paid with XXXX XXXX not one payment is listed as still paid. that money was never returned to my account for all of them in fact most of them it was not, all payments were reversed and it was stated that I made fraud claims for every payment that I had made. then eventually stating that I had never even had an account at the bank until I made a better business complaint about the situation and they responded we are now in arbitration. my new servicer stated that I made zero payments since XX/XX/XXXX I have made many I've never been late. the prior service serve still has it listed even though fraud report and police report was provided that every month I had had bounced checks for reasons of post-dated Bill pays, customer listed the wrong account or wrong amount with entered silly reasons that would never happen. my second servicer didn't investigation and found out they were all coming from bill pay. I demand it no ACH transactions whatsoever on my account at the time and even when my account was froze they still were receiving these payments. I'm requesting that as a victim of fraud those negative notations on my account that I had no control over being removed from XXXX. my current mortgage servicer States I haven't made any payments since XX/XX/XXXX and has been applying modifications that I keep having removed as well as payment plans and stating them in default issuing and charging for property inspections on top of all the fees. I was speaking to my current servicer specialized Loan Servicing and the agent informed me on Friday that I must have spoke to someone who was on the ball because here 's 6 months of payments that have been in your file and never applied since XX/XX/XXXX. I've sent proof of payment over 29 times of the 19 payments missing on my account I've had the bank librarian send them attorneys not for profits I have fax them mailed them and even emailed them to date SLS has stated not one proof of payment usable or updated because of missing corners in the picture ink dot smudges even told they were thrown in the trash because I had put attention escrow department instead of just my loan number. I'm currently in default and have been told I have to come up with all the money due during the whole time that my mortgage servicer for over 11 months has had proof that the payments they're stating weren't paid are sitting in a file and looked at every time I call which is about 4 to 5 times a week. I've been forced to pay huge amounts and they refused to give me the amount paid or receipts for those paid payments cutting them up and putting them in suspense accounts and applying amounts that I can't even figure out what I paid. I have sent proof that I am in arbitration with the bank yet wouldn't have mattered if they would have just applied the 6 months of payments beginning XX/XX/XXXX XXXX XX/XX/XXXX stated on my XX/XX/XXXX specialized Loan Servicing statement the first one with them it states first payment default dated XX/XX/XXXX I've never been late or missed a payment and shouldn't be treated as such if they've had proof stating the same month they're back charging me for. the agent stated that they would be applied but they haven't been and they're still pushing for foreclosure on my home. I don't know what to do. I have only paid this mortgage on time multiple payments sometimes a month trying to cover all the additional payments made while fraud was occurring. my current servicer SLS has stated they are fully aware that documents have been forged and altered on originals but are refusing to report these documents specifically to loan applications that were falsified with all the wrong information even stating something different than the credit report received the lender stated there was debt that wasn't listed on the credit report she provided me. so I thought last refuses to report these documents or apply any payments until I provide them with a fraud packet please report and a copy of my driver 's license so they can compare it to the digital signatures the XXXX and XXXX verified someone else applied to the closing document originals by use of my accounts with them. I'm an arbitration my banking situation has nothing to do with their responsibility and requirements by federal and state laws to report illegal documents that they are fully aware of criminal altered that they are enforcing and keeping in their possession. I can not provide that information at this time I'm in court case that any information that is released regarding my case could damage my chances of ever having a life again and also not necessary. I reported this to XXXX XXXX they did nothing. I've asked for what my equity is and they will not tell me. requesting what payments were paid only to receive the same payment history after sending proof of 19 bank statements. I have sent the wrong things I didn't know it at the time but I corrected them and then sent the correct information yet it didn't matter. I need help before I lose my home. I don't know where else to turn no one 's following the laws or regulations and nobody cares. even the police here State the identity theft is a waste of their time refuse to give me police reports I had to go through the city 's attorney in order to get them 2 years later and then they don't even State what happened. is there anybody in Illinois who follows the law? I've done all the right things I've contacted and reported all of these things no one 's doing anything who is there to get help from. they didn't even have licensing that is required I made the payments why are they not applied. even my payment histories keep dwindling to less payments made why is that changing?","date_sent_to_company":"2024-04-30T17:27:47.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"62040","tags":null,"has_narrative":true,"complaint_id":"8615308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2024-03-25T05:04:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I asked the lender if she was familiar with applying the down payment assistance and home ready loans she stated she was very familiar with all of that and it would not be a problem. the lender never applied my gift money properly and then applied <em>prepaid</em> homeowners insurance removed it and then added it back in knowing it was <em>prepaid</em> and then used it towards my cash to close that I should have got a refund on."],"issue":["<em>Trouble</em> during payment process"],"sub_issue":["Trying to communicate with the company to fix an issue while managing or servicing <em>your</em> loan"]},"sort":[4.210939,"8615308"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":17,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":17}]}},"product":{"doc_count":17,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid 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