{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9859630","_score":25.076664,"_source":{"product":"Credit card","complaint_what_happened":"XXXX  data breach , credit cards interested going high \ncompanies looking at my credit report without my knowledge wrong address","date_sent_to_company":"2024-08-21T00:22:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"General-purpose credit card or charge card","zip_code":"33810","tags":null,"has_narrative":true,"complaint_id":"9859630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-08-21T00:10:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XXXX  <em>data</em> <em>breach</em> , <em>credit</em> <em>cards</em> <em>interested</em> going high \ncompanies looking at my <em>credit</em> report without my knowledge wrong address"],"product":["<em>Credit</em> card"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Problem canceling <em>credit</em> monitoring or identify theft protection service"]},"sort":[25.076664,"9859630"]},{"_index":"complaint-public-v1","_id":"3187488","_score":14.388955,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AS MENTIONED IN PREVIOUS REPORTS, MY VEHICLE WAS LEFT BY THE SIDE OF THE ROAD AND IMPOUNDED AT XXXX XXXX IN XXXX, MI DURING A TIME THAT I WAS IN THE HOSPITAL AND COULD NOT RETRIEVE MY CAR AND IT WAS AUCTIONED OFF FOR NON-PAYMENT OF STORAGE FEES AND THE CAR CONTAINED MY PERSONAL IDENTIFICATION : DRIVER LICENSE, CHECKBOOKS, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND DEBIT CARDS THAT WERE NOT RETURNED TO ME OR SECURELY DESTROYED. \n\nI GOT CALLS FROM DIFFERENT CREDIT CARD COMPANIES ASKING ME IF I MADE ANY CHARGES TO MY ACCOUNTS AND I QUICKLY CALLED UP ALL THE CREDIT CARD COMPANIES I COULD RECALL BASED ON MY CREDIT REPORT LOOKUP AND TOLD THEM TO RE-ISSUE NEW CREDIT CARDS AND I WAS ASSURED THAT I WOULD NOT BE RESPONSIBLE FOR ANY CHARGES THAT I DID NOT AUTHORIZE OR MAKE UP TO A MAXIMUM OF USD XXXX FOR SOME CARDS AND USD XXXX FOR OTHERS. \n\nUPON DISCHARGE, I QUICKLY WENT TO MAKE PAYMENTS ON ALL MY CREDIT CARDS AS I DID NOT WANT NEGATIVE REPORTING TO THE CREDIT BUREAUS OR TO INCUR LATE FEES. ALMOST ALL THE CREDIT CARDS WERE PAID DOWN TO XXXX BALANCE BEFORE XXXX XXXX, A CONSERVATOR ASSIGNED BY THE XXXX COUNTY COURT TO MANAGE MY FINANCIAL AFFAIRS CAME ALONG. \n\nMR. XXXX WAS WARNED THAT THERE MAY BE FRAUDULENT ACTIVITY ON MY CREDIT CARDS BUT DID NOT VERIFY WITH ME ANY OF THE CHARGES. INSTEAD, HE REDIRECTED ALL MY MAIL ( INCLUDING THE REPLACEMENT CARDS SENT AND FINANCIAL STATEMENTS ) TO HIS OFFICE AND SEIZED CONTROL OF ALL MY BANK ACCOUNTS. \n\nNOT ONLY WAS HE NOT PRUDENT WITH MY FINANCES, HE WAS RECKLESS AND NAIVE AND CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT TO DEBT RATIO DROPPING TREMENDOUSLY AND ALONG WITH IT MY CREDIT SCORE. \n\nIT IS UNKNOWN WHETHER THE AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX HAD ANY CHARGES RESULTING FROM ANNUAL FEES OR UNPAID BALANCE BUT IT APPEARS THE CARD WAS PAID OFF IN FULL BY XX/XX/XXXX AND NOT USED AFTER THAT WITH NO DATA ( BECAUSE NO PAYMENTS WERE NEEDED DUE TO A XXXX BALANCE ) POSTING ON THE ACCOUNT AND THEN AN ABRUBT CHARGE OFF ON XX/XX/XXXX AFTER MR XXXX TOLD ME THAT THESE ACCOUNTS HAVE BEEN CANCELLED BY HIM. \n\nIT IS UNSURE WHETHER THESE CHARGES WERE MADE BY HIM OR BY SOME FRAUDULENT PARTY WHO HAD ACCESS TO MY CREDIT CARD ACCOUNTS FROM THE DATA AND SECURITY BREACH THAT ACCOMPANIED THE AUCTIONING OFF OF MY VEHICLE OR IF THE CHARGES WERE DUE TO ACCOUNT ANNUAL FEES AND INTEREST, WHICH IS UNLIKELY TO OCCUR IF THE ACCOUNT WAS INDEED CLOSED AND ACCRUE A XXXX CHARGE OFF AMOUNT. \n\nIN ANY CASE, I AM VERY SURE THAT THIS ACCOUNT WAS LEFT IN TACT WITH A XXXX BALANCE WHEN I WAS LAST IN CHARGE AND IN CONTROL OF MY ACCOUNTS BEFORE MR XXXX TOOK OVER AND DEPRIVED ME OF ACCESS TO MY OWN FINANCES AND FINANCIAL STATEMENT AND WAS INTERESTED IN LINING HIS OWN POCKET WITH CHARGES THAT HE SUBMITTED TO THE COURT. \n\nLACK OF ANY VERIFICATION BY MYSELF AS TO WHETHER I RECALL ANY OF THE CHARGES MADE AND WHETHER THESE WERE AUTHORIZED BY ME OR NOT, I ASK THAT YOU PLEASE REMOVE THESE NEGATIVE ITEMS FROM MY CREDIT HISTORY AND PROFILE AS INDICATED BY YOUR REPRESENTATIVE I SPOKE WITH XXXX WHO SAID THAT ONLY AUTHORIZED CHARGES AND CHARGES THAT I MAKE WILL I BE RESPONSIBLE FOR AND THAT I HAVE ZERO LIABILITY AGAINST FRAUDULENT CHARGES OR UNAUTHORIZED CHARGES. \n\nI THEN QUESTION WHY THIS ACCOUNT THAT I EXPLICITLY RECALL PAYING DOWN TO XXXX BALANCE IS SHOWING UP WITH A CHARGE OFF AMOUNT IN THE RANGE OF USD XXXX AND AFFECTING MY CREDIT HISTORY AND ABILITY TO SECURE FUTURE CREDIT AND EMPLOYMENT JOB CHANGE ESPECIALLY SINCE MR XXXX XXXX WAS APPOINTED BY THE XXXX COUNTY COURT AS CONSERVATOR STARTING SOMETIME IN XXXX, WHEN THE ACCOUNT WAS STILL IN GOOD STANDING AND I HAVE NO IDEA WHAT HAPPENED AFTER HE TOOK OVER AS I WAS DEPRIVED ACCESS TO MY BANK ACCOUNTS AND ALSO MY FINANCIAL AND BANKING AND LEGAL AND TAX STATEMENTS THAT WERE ALL FORWARDED TO HIS OFFICE.","date_sent_to_company":"2019-03-21T09:03:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48197","tags":"Servicemember","has_narrative":true,"complaint_id":"3187488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-03-21T09:03:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["IT IS UNSURE WHETHER THESE CHARGES WERE MADE BY HIM OR BY SOME FRAUDULENT PARTY WHO HAD ACCESS TO MY <em>CREDIT</em> CARD ACCOUNTS FROM THE <em>DATA</em> AND SECURITY <em>BREACH</em> THAT ACCOMPANIED THE AUCTIONING OFF OF MY VEHICLE OR IF THE CHARGES WERE DUE TO ACCOUNT ANNUAL FEES AND INTEREST, WHICH IS UNLIKELY TO OCCUR IF THE ACCOUNT WAS INDEED CLOSED AND ACCRUE A XXXX CHARGE OFF AMOUNT."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.388955,"3187488"]},{"_index":"complaint-public-v1","_id":"3307904","_score":12.568575,"_source":{"product":"Debt collection","complaint_what_happened":"Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization. \n\nCommenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me. \n\nYesterday, XX/XX/2019, at XXXX XXXX  they began harassing my relatives. Specifically, \" XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my \" debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior. \n\nThis was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe. \n\nPursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. \" They were opened on line '' is not valid. I did NOT consent to opening \" online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).","date_sent_to_company":"2019-07-16T15:16:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"02840","tags":null,"has_narrative":true,"complaint_id":"3307904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-07-16T14:47:57.000Z","state":"RI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am not <em>interested</em> in paying 30 % interest for overpriced items from the vendors for whom they provide store <em>cards</em> ( XXXX, XXXX, XXXX XXXX )."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[12.568575,"3307904"]},{"_index":"complaint-public-v1","_id":"7061334","_score":10.05551,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As disclosed herein XXXX XXXX XXXX XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). \nXXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. \nWith assistance from third-party experts, XXXX & XXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. \nXXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX  ( XXXX XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.","date_sent_to_company":"2023-06-03T03:39:35.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"434XX","tags":null,"has_narrative":true,"complaint_id":"7061334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2023-06-03T03:39:31.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to prevent 2022 <em>data</em> <em>breach</em>. In response to the attached letter, I mailed it to each of the three major <em>credit</em> bureaus to request a fraud alert to be placed on my <em>credit</em> report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a <em>credit</em> report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.05551,"7061334"]},{"_index":"complaint-public-v1","_id":"7061372","_score":10.044064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As disclosed herein XXXX XXXX XXXX XXXXXXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). XXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. With assistance from third-party experts, XXXX & XXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the XXXX major credit bureaus to request a fraud alert to be placed on my credit report. \n\nAs an asinine response, as if these people working for XXXX, XXXX and Equifax don't understand basic XXXX, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with HomeDepot and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( XXXX Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ).\n\nThey try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. \n\nOf the XXXX credit bureaus, Equifax has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.","date_sent_to_company":"2023-06-03T03:28:05.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"434XX","tags":null,"has_narrative":true,"complaint_id":"7061372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-03T02:10:45.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to prevent 2022 <em>data</em> <em>breach</em>. In response to the attached letter, I mailed it to each of the XXXX major <em>credit</em> bureaus to request a fraud alert to be placed on my <em>credit</em> report. \n\nAs an asinine response, as if these people working for XXXX, XXXX and Equifax don't understand basic XXXX, or don't care to read it, I received a <em>credit</em> report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.044064,"7061372"]},{"_index":"complaint-public-v1","_id":"7061352","_score":10.044064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As disclosed herein XXXX XXXX XXXX XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). \nXXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. \nWith assistance from third-party experts, XXXX & XXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. \nXXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic XXXX, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Business Advantage ), XXXX XXXXXXXX ( XXXX ), Chase ( XXXX  XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.","date_sent_to_company":"2023-06-03T03:39:27.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"434XX","tags":null,"has_narrative":true,"complaint_id":"7061352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-06-03T03:30:36.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to prevent 2022 <em>data</em> <em>breach</em>. In response to the attached letter, I mailed it to each of the three major <em>credit</em> bureaus to request a fraud alert to be placed on my <em>credit</em> report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic XXXX, or don't care to read it, I received a <em>credit</em> report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.044064,"7061352"]},{"_index":"complaint-public-v1","_id":"7061377","_score":10.0432825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As disclosed herein XXXX XXXX XXXX  XXXX XXXX XXXXXXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). XXXXXXXX XXXX XXXXXXXX endpoint security detected and terminated the ransomware shortly after it executed. With assistance from third-party experts, XXXXXXXX XXXX XXXXXXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. \n\nAs an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KeyBank ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( XXXX Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section XXXX of the Revised Code and its customers ). \n\nThey try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. \n\nOf the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.","date_sent_to_company":"2023-06-03T03:28:14.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"434XX","tags":null,"has_narrative":true,"complaint_id":"7061377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2023-06-03T03:28:09.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to prevent 2022 <em>data</em> <em>breach</em>. In response to the attached letter, I mailed it to each of the three major <em>credit</em> bureaus to request a fraud alert to be placed on my <em>credit</em> report. \n\nAs an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a <em>credit</em> report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.0432825,"7061377"]},{"_index":"complaint-public-v1","_id":"7061335","_score":10.0432825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As disclosed herein XXXX XXXX XXXX  XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). \nXXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. \nWith assistance from third-party experts, XXXX & XXXX XXXX XXXX steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. \nXXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ), XXXXl XXXX ( XXXX ), XXXX ( XXXX XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.","date_sent_to_company":"2023-06-03T03:39:35.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"434XX","tags":null,"has_narrative":true,"complaint_id":"7061335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-06-03T03:39:31.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX failed to prevent 2022 <em>data</em> <em>breach</em>. In response to the attached letter, I mailed it to each of the three major <em>credit</em> bureaus to request a fraud alert to be placed on my <em>credit</em> report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a <em>credit</em> report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.0432825,"7061335"]},{"_index":"complaint-public-v1","_id":"3365033","_score":9.432011,"_source":{"product":"Debt collection","complaint_what_happened":"IN THE COUNTY XXXX XXXX FOR XXXX COUNTY, FLORIDA DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pei 10 : XXXX XXXX XXXX XXXX Plaintiff VS. ' XXXX XXXX ititi OF THE CIRCUIT COURT XXXX XXXX, FL XXXX CASE NO : XXXX XXXX COCI DIVISION : XXXX File # : XXXX Judge XXXX XXXX Div. XXXX County Court Judge Never had a credit card in the this name nor a credit card names SYNCHRONY BANK. appears at my door step at night in a neighborhood scaring my family. XXXX XXXX Refuses to stop this complaint. \nANSWER ORDERED DATED XX/XX/XXXX, RIGHT TO PRIVACY DEBT COLLECTION PRACTICES ACT AMENDED ) CEASING COMMUNICATION CEASE AND DESIST The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ( subsequently amended ) consumer protection amendment, establishing legal protection from abusive debt collection practices Act, as ( FDCPA ) personal, Records Violations of Federal Law that limits the behavior and actions of third-party debt collectors Publishing Misrepresentation or deceit : Credit Protection Act, As Title VIII of That Act. 15 USC 1692b. Data Breaches, Frauds, Scams. Broadly Defines A Debt Collector As \" Any Person Who Uses Any Instrumentality of Interstate Commerce or The Mails in Any Business, The Principal Purpose of which Is the Collection of Any Debts, who regularly collects or Attempts to Collect, Directly or Indirectly,. [ XXXX XXXX, victims of identity theft in the process Fraud, Scams, Cyber-Crime There is abundant evidence of the use of abusive, deceptive, unfair debt collection practices. Further communication with the consumer communicates Fraud caused by identity theft from Further with the with respect with such alleged, debt, deceptive practices. Not permitted under applicable law [ 22 ]. Further protection from attempt to harass, abusive, deceptive practices Fraud, publishing private information ; 3 ). The Abusive practices intrusion into the personal life of other invasions of individual privacy. Remedies for violations of the Act. [ 2 ] I protection from the misuse the Consumer notifies the debt collector to cease. Judges through binding precedent common law jurisdictions. Title VIII of that Act Disputes Third Party Contacts Illegal Contracts by. Debt Collectors ' since since XX/XX/XXXX stalking like conduct from servers. Conduct Under the FDCPA Act Florida  Constitutional Right to Privacy. Identity Theft intrusion on one 's solitude into one 's private affairs ; 2 ) notifies a debt collector in writing that the consumer refuses to pay consumer wishes the debt collector to cease further, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt llector'sCREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Data Breach identity theft, mortgage fraud, the debt is disputed, credit card theft Dispute the following validation of the debt Information in my File. Dispute Errors or Other Inaccuracies, Tax Write Off or Created Cards or Charges Off on Credit Report After the Debt Validation collection agency the bonding agent for CO license. Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. FEI/EIN. Detail by Registration Number Partnership Name, Detail by Document Number. Agreement with client that grants you the authority to collect on this alleged debt. Dispute failing to report information correctly, violates the Fair Credit. Verification that this debt was assigned or sold to collector. requested documents, any insurance claims been made by any creditor regarding this account. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Reporting Act. information in my file. further efforts are being terminated ; ( 2 ) to notify may invoke specified remedies which are ordinarily ( 3 )  where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specifiedremedy. If such notice from the consumer is made by mail, notification upon receipt. pursue remedies permitted [ 15 ]. Entity violates the FCRA, 1 ] under which Debt Collectors Conduct Business, 802. ( a ) abusive, deceptive, and unfair debt collection practices Rights of Debt collectors prescribes remedies for violations of the Act. [ 2 ]. Debt collector violations of the FDCPA Statutory entitled to recover : Punitive damages {$1000.00} remedies for violations of the Act Florida 's Constitution explicitly recognizes a right to individual privacy. I, 23 Right of privacy conclusion. Invasion of privacy. Third party ( C ) Debt collector Contract Law 15 USC Section 1692b. Violations of the Act. [ 2 ] Act. [ 3 ] [ 4 ], Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p Title VIII of that Act. Public Disclosure of After receiving written notice that said consumer wishes, no further communication, unless litigation lawsuit. has a from : 1 ). contract can not confer rights or impose obligation WHEREFORE, Plaintiff demands judgment for {$8300.00} and court costs against Defendant ( s ) .PLAINTIFF 'S MOTION TO APPOINT PROCESS SERVER COMES NOW, the Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX by and through its undersigned counsel, and files this its Motion to Appoint Process Server pursuant to Rule 1.070 ( b ) of the Fla.R.Civ.P., and would show unto this Honorable Court the following : 1. This Court is authorized to appoint any competent person, not interested in the action, to serve original process. \n2. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX is/are competent and not interested in the action, and is over the age of eighteen ( 18 ). \nWHEREFORE, the undersigned seeks entry of an order appointing the identified individual ( s ) for the purpose of serving process in this cau XXXX, XXXX XXXX XXXX, XXXX. \nAttorneys for Plaintiff XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. \nXXXX, FL XXXX ( XXXX ) XXXX Dragutsky BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if /DESIGNATION OF EMAIL ADDRESS XXXX Please understand that this is an attempt to collect a debt and any information we obtain will be used for that purpose. \nOur File # : XXXX i- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX Bar No. : XXXX","date_sent_to_company":"2019-09-10T14:06:56.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"32114","tags":"Older American","has_narrative":true,"complaint_id":"3365033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-09-06T00:12:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Identity Theft intrusion on one 's solitude into one 's private affairs ; 2 ) notifies a debt collector in writing that the consumer refuses to pay consumer wishes the debt collector to cease further, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt llector'sCREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : <em>Data</em> <em>Breach</em> identity theft, mortgage fraud, the debt is disputed, <em>credit</em> card theft"],"sub_product":["<em>Credit</em> card debt"]},"sort":[9.432011,"3365033"]},{"_index":"complaint-public-v1","_id":"5248349","_score":8.870773,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX at XXXX, I received an email message that one or more phone numbers on your Capital One profile have been updated. I immediately was concerned because I was sitting down to dinner and had done no such thing. Following that email, at XXXX I received another email from Capital One, Do you recognize this purchase? on my card ending in XXXX from a merchant XXXX for {$160.00} that the outcome was Declined. Now I was very concerned, so I tried to go online via my normal mobile routed, and I was locked out. Hackers had gained access to all of my accounts somehow and had made charges on my multiple Capital One credit cards. \n\nFeeling incredibly violated and unsafe, I immediately called Capital One to report the suspicious activity on the XXXX card and asked the person to PLEASE check the other credit card accounts to make sure they were not used as well. I was assured all was in order and they changed the number to a new one, but I said I wanted immediate account closure so that they couldnt continue to outwit Capital One and exploit my accounts. So I paid the final amount due, they refunded the fraudulent charges, and closed my account. They said rest assure, youre protected by a {$0.00} fraud guarantee with confidence, and something that Id soon learn was the biggest pile of nonsense ever. \n\nI then ( immediately after hanging up ) closed my remaining credit card XXXX ( the one they said was clear of fraud ) using the web portal, and paid the final balance on it, and felt like I had contained the situation. Boy was I wrong. At this point Im maybe 2 hours of work into the fraud that was caused by Capital One data breach and the inability to keep client accounts secure. \n\nA couple of days later on my mobile app, I saw on the NOW CLOSED account XXXX that there were fraudulent charges from the same sources that appeared on the other credit card account. These were for airline tickets purchased from XXXX XXXX ( or site attempting to look like them ) and another travel agency or shell company of some type. On my statements, its easy to see that the tickets are fraudulent by some foreigner name as the traveler in another country ( XXXX? ). I dont even own a passport, let alone have never traveled outside of USA XXXX \n\nSo I called and reported this additional fraud, that once again posted to a CLOSED account. Imagine my displeasure spending almost two additional hours with them on a phone call, only to find out that it was a known system problem that your agents were unable to report fraud on closed accounts, and something that they were working on correcting. I was told this from a nice lady who promised she would follow up with me XXXX week later, and she put in on her calendar to do so, with an update on the status of the company addressing this issue, and maybe then wed be able to formally submit a fraud ticket on this CLOSED account. Notice the capitals Im using for emphasis. Capital One is so incompetent that it allows fraud to appear on CLOSED accounts. In fact, charges post days after account closure. Then the owners cant fix it, even after investing now 4 hours of their personal time. But that was just the beginning. \n\nThe scheduled day for the nice lady to call me came and went, and I heard nothing. I called multiple more times, spending hours with Capital One agents, begging them to delete the fraudulent activity. On XX/XX/XXXX I got a letter from Capital One, congratulating me on the successful conclusion of the fraud investigation for XXXX and on the same day, they reversed the fraudulent charges back, meaning I now owed them again. They sounded so proud of their \" {$0.00} fraud guarantee '' in that letter to me. This letter is enclosed, along with my XXXX billing statement. You cant make this stuff up, they are THIS incompetent. \n\nI called Capital One after receiving the letter then seeing the chargeback, and they somehow concluded that it wasnt fraud. Note that these are the exact same charges that ( XXXX ) they alerted me to as suspicious activity and ( XXXX ) were made and found to be fraud on my other account. Same Turkish airline, same travel agency or service. Their reason was that they say the airline ( hackers ) supplied information that it was my wife and I who were the travelers, which simply wasn't so. The single ticket was purchased with a foreigners name as the traveler and it appears that way on my XXXX ( closed account ) statement. Capital One sent me the statement, but they appear unable to read it. They allowed a hacker into my account, who obtained my name, and somehow used it to buy a ticket under a foreigners name, which I then explained to them multiple times, and they wont trust a business client whos had hundreds of thousands of dollars on deposit with them, has had XXXX credit card accounts with credit limits in the hundreds of thousands of dollars, has never paid late, has ( had prior to this fraud and their subsequent reports ) perfect credit, and has been an account holder for decades. \n\nMy credit score which has always been XXXX has now been destroyed by this single incident, currently it's XXXX or so. I sent two letters to Capital One departments on XX/XX/XXXX and have heard nothing back from them. They are continuing to pile on late charges and ruining my perfect credit, all from this one single Turkish airlines fraudulent charge. I simply can not believe this company and how it treats its business clients. DO NOT TRUST CAPITAL ONE WITH YOUR IDENTITY OR PERSONAL INFORMATION. They had a severe data breach in XXXX where personal information from millions of their clients were taken, and then when it is used against those clients, they demonstrate they are more interested in the dollar than their clients.","date_sent_to_company":"2022-02-22T18:39:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"96003","tags":null,"has_narrative":true,"complaint_id":"5248349","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-22T18:08:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["They had a severe <em>data</em> <em>breach</em> in XXXX where personal information from millions of their clients were taken, and then when it is used against those clients, they demonstrate they are more <em>interested</em> in the dollar than their clients."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[8.870773,"5248349"]},{"_index":"complaint-public-v1","_id":"4037495","_score":7.5151596,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"An electronic transfer from XXXX was initiated on XXXX XXXX 2020 to a \" XXXX XXXX '' in the amount of {$750.00}. We do not use XXXX nor did we initiate this transfer. We also don't know a XXXX XXXX. This began our journey into the world of identity theft. Steps taken : 1. I have contacted Capital One 360 checking to file a fraud claim within hours of seeing this fraud 2. The claim was denied due to the following evidence ( it was said that my wife initiated the transfer on her phone using 2 factor authentication ). I am assuming this is what the evidence said because I have never been sent anything official stating the investigation results. MY WIFE DID NOT AUTHORIZE THIS TRANSFER AND A BREIF LOOK AT OUR CHECKING HISTORY WOULD SHOW THAT WE DON'T HAVE ANY HISTORY OF EVEN USING THIS XXXX  OPTION. \n3. I filed an elevated claim which was also denied for the same reason. I also had to call them and wait over an hour to speak to someone because there has been no communication directed from Capital One on this issue.\n\n4. I requested another claim because by this point we had collected copious amounts of fraudulent charges on our credit cards, new checking accounts, pay pal accounts, and almost every other aspect of our financial life.\n\n5. I called to check on the claim results ( again because capital one didn't communicate with me ) and and hour later I was told that I have exhausted all my claims and am going to have to pay back the money. I requested to speak to the investigator or someone of elevation but was not allowed to do so.\n\n6. I locked the debit card associated with this account immediately upon uncovering this fraudulent charge as well as ordering a new card and changing the login info.\n\n7. Capital One froze the account while it was under investigation. I now wish to close the account due to the fear that it will be compromised again. Capital One refused to unfreeze the account. They said it must be paid to {$0.00} balance and they would close it out themselves. They also said that the only way I can pay the balance ( - {$500.00} ) is by mail. I wasn't able to transfer any money into the account due to it being frozen and their unwillingness to unfreeze it.\n\n8. We have placed a freeze on both credits ( my wife and I ) 9. We have filed a police report on two separate unauthorized charges including the one questioned in this complaint.\n\n10. We have locked all credit cards 11. We have ordered replacement cards for all credit cards 12. We have changed all logins and password for all financial institutions we bank with 13. We filed a report with the Federal Trade Commission 14. We have filed a claim for the XXXX  data breach settlement The following information concerns evidence showing we have been victims of identity theft. It is my belief that Capital One 's \" investigators '' either haven't done a complete job or have simply ignored all the evidence and focused in on the first piece of evidence they could find that best benefits their interests. \n\nMy wife first recognized something was wrong when her debit card was denied at a local vendor. When she called, they said a fraudulent charge was attempted in the amount of approx. {$2000.00} to a vendor we had never used so they froze the card. Makes you wonder why they didn't use that same cautiousness when the fraudulent {$750.00} transfer was sent to \" XXXX XXXX. '' That same night, I received an alert text stating that a charge was attempted on my card for another approx {$1500.00} charge. This is the moment I knew that Capital One had lost the ability to protect my money. This brought me to check my account thus revealing the \" XXXX XXXX '' XXXX fraudulent transfer. '' This began a multi-week process and several hours on the phone trying to get this corrected. During this time, other credit companies started calling stating that other fraudulent charge had been attempted in the same amounts and to the same vendors as the ones that were attempted on the Capital One account. This alone, should have been enough evidence for Capital One to return the {$750.00} and see that we are under financial attack. My wife 's personal information was changed on her pay pal and this also happened on another credit card. \nDue to still needing to pay bills, we couldn't wait any longer on Capital One to come to a conclusion and unfreeze the account ( first frozen by Capital One because they said it was compromised, meaning they admit themselves that the accounts was under attack. \" An account takeover '' was their words ) we decided to open a new account with a new bank. \nAfter doing this, ( which was a much more difficult process than it sounds due to having to change account information with my creditors and bill collectors, etc ) we began having multiple fraudulent charges on the new account that we just opened. These charges were from XXXX transfers for over {$600.00} in small but multiple withdrawals. Another {$2500.00} was taken by check fraud. The check had my signature on the front and the back ( that alone should not have made it able to be cashed ). \nWe also have had around {$1800.00} transfer using a XXXX check. ( we don't use XXXX  for checking and have never had checks from XXXX. ) This was the second fraudulent check cashed on the account in a month. \nThis individual or entity then attempted several more fraudulent charges nearing {$10000.00}. By this point, the account was overdrawn more than {$1000.00} and the charges didn't go through but I was charged NSF fees for each charge. \nThankfully, the bank has given back all the money taken from my checking. I am still fighting with XXXX over some additional unauthorized charges. However, the {$750.00} from Capital One is the only money actually taken directly from my checking account that I have not been able to get back. I feel that Capital One should look at ALL the evidence before making a decision. I don't know why or where they are getting that my wife approved this transfer on her phone because she 100 %, absolutely, unequivocally, DID NOT approve the transfer to a person we don't even know using an app we have had no history of using. We have now changed to our third checking account and my wife and I have separate accounts now to help slow down the federal crimes being committed against us. We have to take all our money out in cash on payday and have a relative pay our bills using their checking account just to be sure our money is safe. I feel that we have taken more than enough steps to prove our innocence on this {$750.00} charge and have submitted all the evidence mentioned above to Capital One as well for their review. ( Even after being told my the customer service rep with Capital One that it wouldn't help. ) We know of nothing else we can do or no one else to turn to other than a lawyer and the legal fees make that an option we can't exercise and I feel that Capital One know this and just thinks I will lay down just because they say so. Capital One is in a much better position to eat this debt than I am with a family of 4, during a pandemic, and during XXXX. I have even tried to negotiate and see if they would just XXXX  out the account and eat the {$500.00} that the account was overdrawn to due to the {$750.00} fraudulent transfer. They were not interested. I simply ask that someone see use as a family and not a bank account number and look at our entire situation which has identity theft written all over it.","date_sent_to_company":"2020-12-29T22:11:37.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"4037495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-12-29T21:01:15.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have placed a freeze on both <em>credits</em> ( my wife and I ) 9. We have filed a police report on two separate unauthorized charges including the one questioned in this complaint.\n\n10. We have locked all <em>credit</em> <em>cards</em> 11. We have ordered replacement <em>cards</em> for all <em>credit</em> <em>cards</em> 12. We have changed all logins and password for all financial institutions we bank with 13. We filed a report with the Federal Trade Commission 14."]},"sort":[7.5151596,"4037495"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11}]}},"product":{"doc_count":11,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1},{"key":"I do not know","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}}]}},"issue":{"doc_count":11,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fraud alerts or security freezes","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":11,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":11}]}},"company_response":{"doc_count":11,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":9},{"key":"Closed with monetary relief","doc_count":1},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":11,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":11}]}},"company":{"doc_count":11,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1}]}},"state":{"doc_count":11,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OH","doc_count":5},{"key":"FL","doc_count":2},{"key":"AL","doc_count":1},{"key":"CA","doc_count":1},{"key":"MI","doc_count":1},{"key":"RI","doc_count":1}]}},"company_public_response":{"doc_count":11,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":11,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}