{"took":794,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2817684","_score":20.630781,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I received an unsolicited phone call from someone claiming to work at Wells Fargo. The person said there was a problem with our upcoming automatic payment draft in XX/XX/XXXX and asked me to provide our bank account and routing number. \n\nThis phone call occurred the day after XXXX. I was in no position to give out our bank information through an unsolicited caller. I expressed my concern to the caller and then went online to wellsfargo.com to check our account after hanging up. Everything looked in order. Our bank account information had not changed in years. I sent Wells Fargo a secure message online and expressed my concern for what I believed to be a phishing call. \n\nOur payment went through online in XX/XX/XXXX but never was reduced in our bank account. About a week after the payment online was posted, Wells Fargo sent us an email stating the payment could NOT go through. I went online and tried to re-enter our same bank account information and it said it was already on file. I then deleted our information on file and tried to set up a manual electronic payment from a savings account. I doubted it would go through and also re-entered the same original bank account information and tried to set up a manual payment. \n\nEventually both payments went through. Again, Wells Fargo did not explain why manual payments could go through fine but it was our fault / our bank 's fault for an unexplained error in pulling an automatic payment. Upon request, Wells Fargo returned the payment from the alternative account, leaving just one payment made for XX/XX/XXXX. \n\nI scheduled a manual electronic payment for XX/XX/XXXX and it just recently went through. Wells Fargo has yet to acknowledge its error or lack of responsibility for the XX/XX/XXXX phone call that did nothing to accept responsibility for the problem. \n\nIn a letter dated XX/XX/XXXX, Wells Fargo send me a letter saying that they have reviewed our complaint and said that since they told us the call in XX/XX/XXXX was legitimate, we were warned of the problem with our automatic payment. Therefore we had no reason to be frustrated or upset. \n\nWells Fargo is a huge company that acts without apparent care for an individual mortgage payer. We have never missed a payment and try to pay extra whenever we can. It feels like they are being deceptive, using practices like unsolicited calls around the holidays that an average consumer would be wary of, and taking no accountability for why their system can still not set up an automatic payment for a bank account that had worked just fine for years. \n\nWe asked for some type of financial compensation / credit to our account for the inconvenience. We also asked that no negative credit reporting be done on our account. \nWhile they ignored the former request and promised the latter, I think this company needs to be reviewed again for deceptive practices. Thank you.","date_sent_to_company":"2018-02-17T22:52:22.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"50265","tags":null,"has_narrative":true,"complaint_id":"2817684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-02-17T22:27:39.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It feels <em>like</em> they are being <em>deceptive</em>, using <em>practices</em> <em>like</em> <em>unsolicited</em> <em>calls</em> around the holidays that an average consumer would be wary of, and taking no accountability for why their system can still not set up an automatic payment for a bank account that had worked just fine for years. \n\nWe asked for some type of financial compensation / credit to our account for the inconvenience. We also asked that no negative credit reporting be done on our account."]},"sort":[20.630781,"2817684"]},{"_index":"complaint-public-v1","_id":"19220403","_score":17.709005,"_source":{"product":"Mortgage","complaint_what_happened":"On approximately XX/XX/year>, I received an unsolicited \" EXPIRATION NOTICE '' mailer from Independence Home Loans LLC ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX ). The document is crafted to mimic an official VA/government notice, using scare tactics and false urgency to pressure contact.\n\nDeceptive features include : \" EXPIRATION NOTICE '' header with QR code and barcode resembling official documents.\n\nFalse claim of VA guidelines requiring a \" waiting period in XXXX XXXX, NC '' to access \" certain benefits through your VA Guarantee '' no such county-specific rule exists. \nStatement that the waiting period \" expired as of XX/XX/year> '' and I have not accessed \" {$14000.00} '' in \" equity reserves '' or other benefits via XXXX XXXX \nUrgent demand to call XXXX by XX/XX/year>, referencing Notice Number XXXX ( or similar \" XXXX '' prefix implying VA ties ) for a \" detailed explanation '' of \" cash or equivalent benefits. '' Buried fine print admits it's a third-party offer unaffiliated with VA, XXXX, or government, but main text uses alarming phrases like \" our review has indicated, '' \" expired, '' and hard deadlines to frighten recipients. \n\nI receive similar misleading mailers weekly from various lenders, but this one is especially aggressive and predatory, targeting veterans by exploiting VA loan terms to imply lost government benefits or official oversight. No prior relationship, transaction, or consent exists ; my info was likely obtained from public records or data brokers. \nI have not contacted them, made payments, or received any response. This manipulative marketing preys on homeowners with fabricated urgency and deceptive government-like presentation, constituting shady practices under consumer protection laws. Widespread similar complaints exist against this and other lenders for VA-related solicitations. \nI demand Independence Home Loans immediately cease all mailings to me, remove me from their lists, and that regulators address these ongoing deceptive tactics targeting veterans.\n\nI file this to document these practices and request enforcement action.","date_sent_to_company":"2026-02-03T20:12:36.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"27526","tags":"Servicemember","has_narrative":true,"complaint_id":"19220403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"INDEPENDENCE HOME LOANS LLC","date_received":"2026-02-03T20:04:12.000Z","state":"NC","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue with the application process"},"highlight":{"complaint_what_happened":["This manipulative marketing preys on homeowners with fabricated urgency and <em>deceptive</em> government-<em>like</em> presentation, constituting shady <em>practices</em> under consumer protection laws. Widespread similar complaints exist against this and other lenders for VA-related solicitations. \nI demand Independence Home Loans immediately cease all mailings to me, remove me from their lists, and that regulators address these ongoing <em>deceptive</em> tactics targeting veterans."]},"sort":[17.709005,"19220403"]},{"_index":"complaint-public-v1","_id":"17875116","_score":17.427864,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/XXXX, during a telephone call initiated by the consumer to request an additional {$300.00} on an existing {$1200.00} installment loan, XXXX XXXX XXXX ( DBA Money 4 You Loans ) refinanced the prior loan ( account XXXX ) into a new {$1500.00} installment loan ( account XXXX ) without providing clear and conspicuous disclosures as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1638, and Regulation Z, 12 C.F.R. 226.17-18.\n\nThe representative materially omitted and failed to explain : That only {$240.00} constituted new credit extended, while {$1200.00} was merely the prior principal rolled over as a deceptive refinance, evading Utah 's rollover limits ( Utah Code Ann. 7-23-401 et seq. ) ; The total of payments amounting to {$3200.00} ; The finance charge of {$1700.00} ; The annual percentage rate ( APR ) of 369.01 % and its compounding over 14 bi-weekly installments ; That late charges and delinquency fees could escalate the balance to {$4300.00} if no payments were made ; Collection costs ( including attorney fees and court costs added to the balance ), credit reporting consequences, mandatory arbitration provisions, and procedures for revoking ACH/debit authorizations.\n\nThe call was rushed, with the representative providing only vague responses to limited consumer questions and no unsolicited explanations of these material terms, rendering the e-signed electronic agreement unconscionable and unenforceable due to inadequate oral disclosures. This constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531, similar to CFPB enforcement actions like CFPB XXXX XXXX XXXX XXXX ( XXXX Utah XXXX ), where misleading cost representations and hidden escalations violated TILA and led to accountability for predatory practices targeting vulnerable borrowers. \n\nApproximately {$200.00} has been paid to date, far below the principal. Payment authorization has been revoked by deactivating the associated debit card, but attempts to withdraw continued. This deceptive rollover and omission of key credit terms caused unaffordability and financial harm, violating federal disclosure mandates.","date_sent_to_company":"2025-12-09T14:35:23.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"84302","tags":null,"has_narrative":true,"complaint_id":"17875116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PDQ Check Exchange LC","date_received":"2025-11-19T01:31:22.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This constitutes unfair, <em>deceptive</em>, or abusive acts or <em>practices</em> ( UDAAP ) under 12 U.S.C. 5531, similar to CFPB enforcement actions <em>like</em> CFPB XXXX XXXX XXXX XXXX ( XXXX Utah XXXX ), where misleading cost representations and hidden escalations violated TILA and led to accountability for predatory <em>practices</em> targeting vulnerable borrowers. \n\nApproximately {$200.00} has been paid to date, far below the principal."]},"sort":[17.427864,"17875116"]},{"_index":"complaint-public-v1","_id":"6080047","_score":14.560003,"_source":{"product":"Mortgage","complaint_what_happened":"CONTINUOS AND PERSISTENCE HARRASTMENT I had already asked this compny not to contact me on XX/XX/2022 Today XXXX Once again. \nVeritas Funding LLC -NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX This time with XXXX File ID Number XXXX. XXXX ID XXXX. \nContact Phone number XXXX Ever since XX/XX/2022. I had been requesting this company to Please stop, not contact me no longer, stop harassing me with this junk mail. Misleading letters that reads CHANGES TO MY VA LOAN UNDERSTADING YOUR VAILABLE VA XXXX XXXX XXXX Veritas Funding responded on XX/XX/2022 on my case # XXXX -- -- -- -- -- -- -- -- -- Veritas Funding takes consumer complaints very seriously and would like to apologize about receiving the unwanted mail. Sending these types of letters is common practice in the mortgage industry. Once a consumer has purchased a home their mortgage information including the amount of equity they may have in their home, becomes public. We have added the consumers information to our opt out database and they will no longer receive any phone calls, emails, text or mailers from Veritas Funding in the future. \n\n-- -- -- -- -- -- -- -- -- -- -- - This seems to be not a truth statement -- -- -- - Today XXXX Once again what I strongly feel its a misleading envelope and a note. I had never requested to be added to this junk harassment list. I don't understand how to make this company understand that I do not need nor I wanted any type of communication with this company. I will never do buisness with a company who writes me a letter with a non-returned address this was my request on XX/XX/2022, its very clear that this company is either sale or distributing my information. I HAD CLEARLY ASKED NOT TO BE CONTACTED BY Veritas Funding LLC -NMLS # XXXX This company its using my personal information for unsolicited marketing junk I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- Please see attached Junk mail CHANGES TO MY VA LOAN? - asking me to respond between five days. Please ask this company to stop. STOP I do not need/ I do not want/ I haven't requested this junk mail. This is becoming a harassment See below old letter.. \n\n\n\nOLD REQUESTING LETTER XXXX case # XXXX Junk Unsolicited never requested Junk mail again and again. From the same ZIP code XXXX Today XXXX -New junk reference called : XXXX file number XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX  ) called themselves located at : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX utilizing the same zip code of many others ZIP XXXX. Which is the same location where they were just reported by me. XXXX XXXX At XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX its using to harassing me continuously. I feel like this - https : //www.vfund.com/Branches VERITAS FUNDING XXXX And its a misleading name ( VA HOME EQUITY FUNDS ). Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail into a system that continuous abuse and harass me over and over. This company 's https : //www.vfund.com/Branches and https : //mortgage.texanabank.com are using my name and personal information for marketing and solicitation. Targeting me because IM A united states veteran with a VA Loan. Were are they getteing my name, why this letters are being mailed from the same zip code? \n\nI just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Its not good to request to be removed, they will continue over and over. This company don't UNDERSTAND NO for an answer, Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses and bank names, Today is ( XXXX funding from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) last week was ( This texanabank.com hide their address no address to ask or request them to stop ) each week its a different bank from the same zip code. \n\nThis company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? \nPlease stop remove my name out their data base, and ask every marketing company 's not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. \n\nI will never DO BUISNESS WITH A MISLEADING LETTER NO address No real phone numbers misleading operators ( all they want its your personal info ) Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop. \n\nToday XXXX XXXX on this link : XXXX  : XXXX If the letter comes from a private company but was designed to mimic a government document, thats deceptive in my legal opinion, says fraud XXXX XXXX. \nThese kinds of scams use public information about your mortgage to bolster their case for legitimacy. They also may include official-looking logos to give recipients a sense of security logos from the FDIC, an ATM network, or the Treasury Department XXXX for example. \nAnd, as fraud attorney XXXX XXXX pointed out, you should report the fraud attempt to your state attorney generals office or the federal Consumer Financial Protection Bureau. \n\n\n\n\n\nReference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX  ) its a misleading name. Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company https : //mortgage.texanabank.com is using my name and personal information for marketing and solicitation. \n\nI just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses. ( This texanabank.com hide their address no address to ask or rrequest them to stop ) This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? \nPlease stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. \nI had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. \n\nRemove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop. \nPlease see evidence attached.. This junk misleading mail its being mailed from the zip code XXXX","date_sent_to_company":"2022-11-01T10:30:15.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"335XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6080047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VERITAS FUNDING, LLC","date_received":"2022-10-12T22:28:52.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would <em>like</em> to know where? \nPlease stop remove my name out their data base, and ask every marketing company 's not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk <em>unsolicited</em> mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not <em>call</em> me, do not mail me, do not email me please."]},"sort":[14.560003,"6080047"]},{"_index":"complaint-public-v1","_id":"5296451","_score":14.238477,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is regarding a debt notice I received from I.Q. Data International , Inc. ( \" IQ Data '' ) dated XX/XX/22 for the amount of {$170.00} ( refer to attached ). \n\nThe debt notice simply stated that I have some outstanding debts to the apartment that I resided previoulsy without any context and I was not communicated of any remaining balances by the apartment after following a proper move-out process. Accordingly, I called IQ Data expressing my intention to dispute the debts as clearly instructed on the debt notice. At the time, the representative informed me that the charge will be marked as \" disputed '' in their system and that they'd provide me with additional information that shows that I owe the debt. Then, on XX/XX/22, I received a call from IQ Data reminding me that I have an outstanding debt with the apartment. During the call, I explained the situation and expressed my interest in better understanding the debts before taking any actions. The representative understood my situation and kindly informed me that she'd transfer me to an authorization manager for a 24 hours-hold approval so that I can contact the apartment and inquire about the debts. I'd like to file a formal complaint for the abusive behaviors of the authorization manager that this letter will describe, which seem clear violations of Federal Debt Collection Practices Act ( \" FDCPA '' ).\n\nAccording to section 809 ( b ) of FDCPA, it is clearly stated that \" if the consumer notifies the debt collector the debt is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment ''. I did not receive any verification of the debt from the debt collector after my initial dispute, meaning I still had no understanding of the debt I owed when I was speaking with the authorization manager. The abusive behaviors from the authorization manager started unsolicitedly, when I expressed my interests in better understanding the debts before resolving them. Under section 806 ( 2 ) of FDCPA, it is stated that \" a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in conn\nection with the collection of a debt ''. Further, it is clearly stated that \" the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader '' is a violation. Further, section 807 of FDCPA clearly states \" A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' When I simply expressed my interests in obtaining basic understanding of the debt I wasn't made aware of, the authorization manager started to threaten/blackmail me with sentences like \" If you don't act like an adult by paying the debts, I'm going to leave a permanent record to your credit report ''. Subsequently, when I explained that I wasn't made aware of any outstanding balances at the end of my move-out process and that I just want to understand the balance before taking any action, her response was \" It's your fault that you didn't practice due diligence with the apartment '' and that \" I have no right to contact them and that the apartment will not answer my call for any reason ''. I strongly believe these abusive verbiages are clear indications of violations to multiple subsections of FDCPA and that I request the proper corrective actions to be taken place.","date_sent_to_company":"2022-03-08T09:06:23.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"5296451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2022-03-08T02:44:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I'd <em>like</em> to file a formal complaint for the abusive behaviors of the authorization manager that this letter will describe, which seem clear violations of Federal Debt Collection <em>Practices</em> Act ( \" FDCPA '' )."]},"sort":[14.238477,"5296451"]},{"_index":"complaint-public-v1","_id":"7299639","_score":13.153856,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against XXXX XXXX and Drive Time Credit Corporation, jointly and severally, for engaging in troubling and potentially unlawful conduct during a recent communication with me. The purpose of this complaint is to bring to your attention the companies ' refusal to identify the purpose of their call, their improper attempts to collect personal identifiable information or proper disclosure, and their infringement upon my right to privacy. \n\nOn XX/XX/XXXX XXXX three separate family members received an unsolicited phone call from a representative claiming to be an employee of XXXX XXXX. The representative made persistent efforts to solicit and collect personal identifiable information from my family members. They sought sensitive details, including my social security number, financial information, whereabouts and home address. I must emphasize that I have never had any prior association with XXXX XXXX  or any other relevant party, nor can I conceive any legitimate basis for these companies to request or gather such sensitive information without justifiable consent from the consumer. \n\nAs a responsible and cautious individual, I am deeply committed to protecting my privacy and safeguarding my personal data from unauthorized access or misuse. The unauthorized collection of personal identifiable information without adequate disclosure constitutes a clear violation of my privacy rights, as guaranteed by the Constitution and upheld by various federal and state laws. \n\nThe potential consequences of such privacy breaches are far-reaching, extending beyond my personal well-being and financial security. Improper handling of personal data can expose individuals to identity theft, fraud, and other malicious activities that can inflict severe and lasting harm on innocent consumers like myself. \n\nI believe that the actions of XXXX XXXX, acting on behalf of Drive Time Credit Corporation, not only breach fundamental principles of consumer protection but also run afoul of federal laws and regulations governing data privacy and debt collection practices. As the agency tasked with safeguarding consumer interests, the Consumer Financial Protection Bureau ( CFPB ) holds a crucial responsibility to ensure that both XXXX XXXX  and Drive Time Credit Corporation respect and uphold the privacy rights of individuals. \n\nTherefore, I urgently request that the CFPB prioritize this matter and conduct a thorough investigation into the following issues : Examine XXXX XXXX XXXX improper collection of personal identifiable information from me and any other individuals without proper consent or a valid reason, as this infringes upon my fundamental right to privacy. \n\nInvestigate Drive Time Credit Corporation 's involvement in this matter and assess its responsibility for the actions of its third-party contractor, XXXX XXXX. \n\nDetermine if XXXX XXXX XXXX actions, in conjunction with Drive Time Credit Corporation 's involvement, constitute flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws, which exist to safeguard consumer privacy and ensure ethical debt collection practices. \n\nTake decisive enforcement actions and impose necessary penalties if it is found that XXXX XXXX and Drive Time Credit Corporation have engaged in unlawful or deceptive practices that undermine consumer privacy rights. \n\nImplement stringent measures to ensure that XXXX XXXX XXXX Drive Time Credit Corporation, and other entities within the consumer financial industry comply fully with all relevant consumer protection laws and regulations, particularly those related to consumer privacy. \n\nI implore the CFPB to approach this complaint with the utmost urgency and gravity it warrants, considering the profound implications on consumer privacy and rights. I eagerly anticipate a swift and comprehensive resolution to this matter, which will reassure consumers that their privacy is genuinely respected and protected.","date_sent_to_company":"2023-07-26T01:08:42.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"7299639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DriveTime","date_received":"2023-07-26T00:44:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["The purpose of this complaint is to bring to your attention the companies ' refusal to identify the purpose of their <em>call</em>, their improper attempts to collect personal identifiable information or proper disclosure, and their infringement upon my right to privacy. \n\nOn XX/XX/XXXX XXXX three separate family members received an <em>unsolicited</em> phone <em>call</em> from a representative claiming to be an employee of XXXX XXXX."]},"sort":[13.153856,"7299639"]},{"_index":"complaint-public-v1","_id":"11453280","_score":12.905907,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX, Florida Formal Complaint with CFPB Against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX Regarding calls and SMS contacts before and After I sent Cease and Desist letter on Debt Collection account /Agency ID XXXX I am writing to formally lodge a complaint against CENTRAL PORTFOLIO CONT for contacting me via calls and XXXX  before and AFTER I had previously sent a formal Cease and Desist letter requesting that no further communication take place regarding my debt. \nDespite my clear request, sent on XX/XX/XXXX ( see image attached ) -I received countless calls and over XXXX XXXX  messages from CENTRAL PORTFOLIO CONT between XX/XX/XXXX and XX/XX/XXXX ( see images of some of these XXXX  ) This action is in direct violation of my rights and various applicable laws governing debt collection practices. \n\nTo summarize the situation : On XX/XX/XXXX I sent CENTRAL PORTFOLIO CONT Cease and Desist letter ( see image attached ) I sent CENTRAL PORTFOLIO CONT a Cease-and-Desist letter requesting that all communication be halted. \nDespite this, between XX/XX/XXXX and XX/XX/XXXX I received countless calls and over XXXX XXXX  messages from CENTRAL PORTFOLIO CONT, which constitutes unlawful communication under the relevant laws. \n\nThis is a violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) : o Under the FDCPA, once a debtor has sent a Cease-and-Desist letter, all communication from a debt collector must cease, except for specific circumstances ( such as providing notice of legal action ). Your attempt to contact me after receiving the Cease-and-Desist letter constitutes a violation of this provision. \no Your agency 's action was in direct defiance of my request to halt further communication, which is expressly prohibited under Section 1692c ( c ).\n\n2. Telephone Consumer Protection Act ( TCPA ) 47 U.S.C. 227 : o Under the TCPA, contacting me via XXXX, particularly after I had clearly requested no further communication, is prohibited. Such messages fall within the scope of \" automated or prerecorded '' communications, which are not allowed without prior consent when the debtor has invoked the cease-and-desist provision. \n3. State-Specific Debt Collection Laws : 1. Florida Consumer Collection Practices Act ( FCCPA ) Florida has its own version of debt collection laws, the Florida Consumer Collection Practices Act ( FCCPA ), which is outlined in Florida Statutes, XXXX  XXXX. \nCease and Desist Requests : Similar to the FDCPA, under Section 559.72 ( 7 ) of the FCCPA, if a consumer notifies a debt collector in writing to cease further communication, the debt collector is prohibited from continuing to contact the consumer. This means once a debt collector receives a valid written cease and desist notice, they are forbidden from attempting to communicate further regarding the debt, except for specific legal notices. \no Cease and Desist Notice Effect : The FCCPA ( Section 559.72 ( 7 ) ) mandates that the collector \" must cease communication '' upon receiving a written notice from the consumer to stop. Failure to comply with this notice can lead to legal consequences. \n2. XXXX  Communication and Violations Florida Law on Electronic Communications : While Florida does not have specific laws targeting XXXX  communication by debt collectors, these types of communications are regulated under federal law, particularly the Telephone Consumer Protection Act ( TCPA ) and the FDCPA. \nUnder the FDCPA, debt collectors are prohibited from engaging in harassing or abusive communication, which includes sending unsolicited text messages or contacting a consumer in ways that they have requested to stop. If you sent a cease-and-desist letter to the debt collector and they subsequently contacted you via XXXX, they would be in violation of both federal law and the Florida FCCPA. \n3. Additional Florida State Law on Communication : Florida Statute 501.059 : This statute regulates \" unsolicited commercial communication '' and includes provisions related to electronic communication methods like XXXX  and email. If a debt collector contacts you in an unsolicited manner after you have opted out or requested no further contact, this could be viewed as an unlawful practice under Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ).\n\no Debt collectors may also violate the Florida Telemarketing Act if they continue to contact you after youve placed yourself on a Do Not Call list or explicitly requested cessation of communication.\n\n4. Penalties for Violating Cease and Desist In Florida, if a debt collector violates the FCCPA by contacting you after receiving a cease and desist letter, you have the right to pursue damages, including statutory damages up to {$1000.00} per violation and the potential for actual damages, attorney fees, and court costs. \nBecause I received over XXXX XXXX  on my cell phone -Even after I sent Cease and Desist I am filing complaint and asking action to be taken from ALL agencies below FDCPA FCCPA.\n\nFlorida Office of the Attorney General Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Key Takeaways for Florida Consumers : Cease and Desist : Once you send a written cease and desist letter to a debt collector, they are legally required to stop all forms of communication, including XXXX  and other electronic messages. \nXXXX  Violations : Contacting you by XXXX  after a cease and desist is a violation of both the FCCPA and FDCPA and could subject the collector to penalties. \nEnforcement and Remedies : You can pursue legal action for damages if a debt collector violates your rights. Filing a complaint with relevant state and federal authorities is a powerful tool to protect your rights. \n\nRequested Action : I demand following actions immediately : CENTRAL PORTFOLIO CONT to Cease and desist all forms of communication with me in any manner, including via phone, text, or email, as required by the FDCPA and the TCPA. \nCENTRAL PORTFOLIO CONT to Provide written confirmation within [ 7-10 days ] acknowledging that my Cease-and-Desist request has been fully processed and that no further contact will occur. \nIf CENTRAL PORTFOLIO CONT has shared my information with third parties or reporting agencies since the unlawful contact, I demand an immediate investigation and removal of any inaccurate information that was reported as a result of this violation. \nFull investigation of CENTRAL PORTFOLIO CONT to determine the exact number of times CENTRAL PORTFOLIO CONT sent me XXXX  on debt collection Full investigation of CENTRAL PORTFOLIO CONT to determine the exact amount of times CENTRAL PORTFOLIO CONT sent me XXXX  on debt collection AFTER I sent Cease and Desist letter Statutory damages up to {$1000.00} per each violation from CENTRAL PORTFOLIO CONT Thank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XX/XX/XXXX","date_sent_to_company":"2025-01-09T19:33:41.000Z","issue":"Electronic communications","sub_product":"I do not know","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"11453280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Portfolio Control Inc.","date_received":"2025-01-09T19:19:16.000Z","state":"FL","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Additional Florida State Law on Communication : Florida Statute 501.059 : This statute regulates \" <em>unsolicited</em> commercial communication '' and includes provisions related to electronic communication methods <em>like</em> XXXX  and email. If a debt collector contacts you in an <em>unsolicited</em> manner after you have opted out or requested no further contact, this could be viewed as an unlawful <em>practice</em> under Floridas <em>Deceptive</em> and Unfair Trade <em>Practices</em> Act ( FDUTPA )."]},"sort":[12.905907,"11453280"]},{"_index":"complaint-public-v1","_id":"4166350","_score":11.624574,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Tuesday XXXX XX/XX/2021, I received in the mail an ACE Flare Account ( Visa ) Debit card with my full name printed on it issued by XXXX. It was accompanied by a paper flyer instructing me to \" activate my card '' and \" add money. '' This was entirely unexpected -- I did *nothing* to solicit this debit card, and do not wish to have a debit card issued by XXXX or any other company. \n\nI am fearful that this is either a result of identity theft or predatory marketing practices, but as I will explain below, I find that I am unable to investigate further without using automated services to give my social security number to ( ostensibly ) XXXX, which I do not wish to do for several reasons, which I will enumerate as well. \n\nYesterday, Wednesday XXXX XX/XX/2021, I first attempted to call the customer service number given on the back of the Flare Account card. I tried several options paths on their automated system, but regardless found there is NO WAY to proceed without in effect activating the card, by entering the last four digits of one 's social security number. This is extremely problematic on two counts : 1 ) I do not want to open this card, first and foremost because I have no desire to do business with this company, and object to the deceptive marketing practice they seem to be directing at people. I can imagine other consumers being confused as to whether this is something their bank sent them ( I also called my regular bank on XXXX XXXX and verified that this was not an action on their part, and put a security alert on my account as a safeguard ). \n\n2 ) I do not want to be forced to open a card that I will then have to close, solely for the purpose of closing this, m because this will negatively affect my credit score ( rapid openings and closures are penalized ). How many consumers will be duped into getting entangled with this company, and then profit it or others by being charged higher interest rates because of the action that is interpreted to be negative on their parts, but they were ensnared in through no action of their own? \n\n3 ) And, since I did not solicit this card, I fear that some kind of identity theft may still be at play -- if the card is opened, will someone else be able to act in my name?\n\nThe customer service representative at my bank warned me that multiple companies are marketing their debit card products aggressively as a result of the issuance of stimulus checks, which again is objectionable on multiple grounds. Careful reading of the Flare AccountXXXX customer agreements reveals a fee structure for transactions. So if this is indeed an action on the part of the company rather than an individual seeking to open an account in my name, the action is nefarious -- a company is targeting consumers who may be unbanked or financially unsavvy, to convince them to deposit their government benefits with the debit card service, which would then siphon off the fees for its own benefit rather than the maximum benefits being available to the recipients themselves, if they instead opened an account at a more ethical and reputable credit union or bank. \n\nThe customer service representative at my bank ( I really appreciate my bank! ) also found several additional customer service numbers for the parent company XXXX, but when I tried to call them, I was prompted by an automatic system to enter the first six digits of the unsolicited card, which again routed me back to the Flare Account/Netspend automated system, which prompted me to enter the digits of my social security number to activate my card, which again I do not wish to do for the reasons I have described. \n\nWhat I would *like* is to be able to speak with a real, live customer service representative from either XXXX or its subsection for the Flare Account Debit card, to try to investigate whether someone else tried to solicit a card in my name. But I can not, as even the CFPB website recommends, try to resolve the issue with the company first without divulging identifying information and being forced to give my consent to a financial product that I never wished to receive and that could have negative consequences for my financial status and well-being, even if I never use it. \n\nI would also like for this unactivated account to be wiped from XXXXFlare Account 's system, so that there is no potential for someone to pose as the person with my name at my address to begin using this account in any way. \n\nIf XXXX and its subsidiary offices/product of the ACE Flare Account make it impossible for consumers to investigate a possible fraudulent account being opened without being forced to activate the account, they are either opening the door for financial fraud to happen, engaging in predatory marketing practices, or perhaps even both. \n\nI would greatly appreciate assistance in both remedying my individual situation, and investigating the practices that are emerging at this time, evidenced by XXXX/Flare Accounts, to target persons to deposit government benefits, tax returns, and their pay in accounts that serve to deprive them of their material benefits rather than serve them.","date_sent_to_company":"2021-02-25T14:17:20.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"134XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4166350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2021-02-25T13:35:09.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["This is extremely problematic on two counts : 1 ) I do not want to open this card, first and foremost because I have no desire to do business with this company, and object to the <em>deceptive</em> marketing <em>practice</em> they seem to be directing at people."]},"sort":[11.624574,"4166350"]},{"_index":"complaint-public-v1","_id":"5046341","_score":11.14503,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Let me start off by saying that I have been a loyal customer of Citibank since XXXX. Unfortunately back in XXXX during the market crisis I was laid off my job and struggled to find employment the next few years. As a result I accumulated approximately {$6000.00} debt with Citibank during this time, but ALWAYS at least paid my minimum payment every month. Once I began working again, I stopped using card, made sure I had no recurring payments on the card that would add to the balance, with the intention of paying the debt off in full before using the card again by setting up scheduled monthly minimum payments. I felt secure and had price of mind that in time by making the minimum monthly payments I would pay down the debt, and consequently turned a blind eye to my balance over the years while I assumed my debt was gradually being paid off. \n\nTo my dismay I recently discovered on my statements that I have been paying for a service called XXXX XXXX or more recently named XXXX XXXX from Citibank that I do not recall ever signing up for. I researched the topic online and found out that Citi had been found to have used deceptive marketing, billing, and administration of debt protection and credit monitoring add-on products. Additionally that in XXXX Citibank was ordered by the Consumer Financial Protection Bureau to refund about {$700.00} million to customers harmed by illegal practices related to credit card add-on products and services, such as the the Payment Safeguard they have been charging me. Unfortunately, apparently I was not one of the customers who was compensated or entitled to a refund. When I first discovered months ago that I was being charged this Payment Safeguard, I contacted Citibank to cancel the card protection over the phone and asked for a refund as per the XXXX CFPB settlement. They were extremely rude, said they would cancel it, and promptly hung up on me. However, I have had no success in getting Citibank to cancel this fee or refund me any portion of the charges. \n\nTo this day, Citibank is continuing to charge me the XXXX XXXX fee, which ranges from $ XXXX {$60.00} per month, and I am unsure how to proceed at this point. I have requested statements as far back as XX/XX/XXXX ( which is the earliest date I am allowed to request statements from Citibank ), and have confirmed that at least since XX/XX/XXXX I have been charged this fee every month labeled either XXXX XXXX  or more recently XXXX XXXX from Citibank. I estimate that i have paid Citibank at minimum approximately {$6000.00} for these fees over the last 10 years. I say at minimum because more than likely this fee started much earlier but unfortunately I can not access statements prior to that date to confirm. If not for this fee, my balance would have been paid in full by now. \n\nI would like to cancel this unnecessary and unsolicited fee immediately, and also discuss a plan for Citibank to refund me for the thousands of dollars in Payment protection fees I have paid to them over the years. I am in the process of pursuing legal action and look forward to an immediate resolution by Citibank on this issue.","date_sent_to_company":"2021-12-28T08:06:28.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91423","tags":null,"has_narrative":true,"complaint_id":"5046341","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-12-28T02:09:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I would <em>like</em> to cancel this unnecessary and <em>unsolicited</em> fee immediately, and also discuss a plan for Citibank to refund me for the thousands of dollars in Payment protection fees I have paid to them over the years. I am in the process of pursuing legal action and look forward to an immediate resolution by Citibank on this issue."]},"sort":[11.14503,"5046341"]},{"_index":"complaint-public-v1","_id":"7558415","_score":10.050236,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing today as a concerned consumer who recently purchased a car from XXXX XXXX Mitsubishi  on XX/XX/XXXX, with financing provided by Capital One Auto Finance. Before delving into the matter, I would like to emphasize my intention to settle the outstanding balance despite facing recent financial hardships and questioning the integrity of both XXXX XXXX XXXX And Capital One. Over the past few weeks, I have had the opportunity to carefully evaluate the retail installment contract, and I regret to inform you that I have discovered numerous violations of my consumer and civil rights by both XXXX XXXX Mitsubishi and Capital One Auto Finance. These violations include misrepresentation, unfair lending practices, deceptive practices, unsolicited charges/fees, breach of contract, infringement of privacy rights, securities fraud, and instances of identity theft. The severity of these issues warrants prompt investigation and swift resolution. Furthermore, I have received multiple threats from Capital One Auto Finance regarding repossession of my property. Moreover, I have been incessantly harassed by Capital One Auto Finance agents via recorded telephone calls, demanding full payment. In response, I requested original documentation outlining the bilateral consent between Capital One and myself, but regrettably, none of the requested documents have been provided. It is my belief that these allegations were carried out knowingly and willingly. I can assure you that I possess detailed documentation that substantiates my claim, which I am more than willing to provide. I am aware that the XXXX XXXX XXXX ( SEC ) enforces strict laws and regulations to prtect investors and consumers as well as the integrity of the fancial market. It is evident that both Capital One Auto Finance and XXXX XXXX XXXX have knowingly and willingly committed securities fraud by way of the employees, agents, and representatives involved in this consumer transactions. I will list some below : -15 USC 1635 Right to rescind contract. ( the car lot failed to mention this was a possibilty and Capital One cant even produce a contract ) -15 USC 1692c False representation -15 usc 1692a Definition of debt and debt collectors. ( This is important as I understand Capital One Financial Corporation to be a financial institution and not a debt collection agency, however, I have received numerous correspondence stating their claims to attempt unvalidated debt. ) -15 1662b Cash or FRNs are not required for a credit transaction. ( I was told that I had to pay {$2500.00} dollars as downpayment in order to travel off the lot. ) -15 1666b ( a ) No such thing as late payments. ( Even so, Capital One has reported negative information to the credit beauraus multiple times even though I never gave them written or orall permission to do so. And I never gave the credit beauraus written or oral permission to post negative information. ) 15 USC 1605a XXXX CHARGE is the sum of ALL payments. ( Even So both Capital One and XXXX XXXX knowingly and willingly tried to charge me over {$40000.00} dollars for a XXXX used car. ) 15 USC 1681b Identity theft ( due to suspected securities fraud by both Capital One and XXXX XXXX Mitsubishi which too was done knowingly and willingly ) -15 USC 1681n willful non-compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE THE PEOPLE are in fact the original creditors. \n-42 USC 408 shouldnt ask for XXXX on loan as it fraud. \n-12 USC 1431 Banks can not loan money as they are the borrowers -15 USC 1692f NO REPO OR FORECLOSURE -31 USC 5118 OBLIGATIONS CAN BE DISCHARGED WITHOUT LEGAL TENDER.\n\n15 USC 78cc ( b ) ( c ) Validity of Contract ( Contract and loan void due to allegations ) -15 USC 6821 Privacy protection for customer information of fnancial institution. ( Clearly no one cared that I was a customer at Cap One. Also securities fraud comitted when XXXX was placed on mode of conveyance ( car ). And when application was turn in to federal XXXX bank on behalf of XXXX XXXX XXXX AND XXXX XXXX ) -31 USC 3123 ( a ) ( b ) Payment of obligations and interest on the public debt","date_sent_to_company":"2023-09-16T14:00:30.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"78660","tags":null,"has_narrative":true,"complaint_id":"7558415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-16T12:21:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["These violations include misrepresentation, unfair lending <em>practices</em>, <em>deceptive</em> <em>practices</em>, <em>unsolicited</em> charges/fees, breach of contract, infringement of privacy rights, securities fraud, and instances of identity theft. The severity of these issues warrants prompt investigation and swift resolution. Furthermore, I have received multiple threats from Capital One Auto Finance regarding repossession of my property."]},"sort":[10.050236,"7558415"]},{"_index":"complaint-public-v1","_id":"14012232","_score":9.9104395,"_source":{"product":"Prepaid card","complaint_what_happened":"Dear CFPB Representative, I am submitting this complaint to formally document not just the deficient conduct of cred.ai in their handling of my account, but also their ongoing minimization of legitimate consumer concerns, operational opacity, and disregard for customer transparency, privacy, and lawful process. \n\nFollowing a prior complaint I submitted, I received an unsolicited, defensive, and highly inappropriate message from a cred.ai representative named XXXX XXXX. \n\nInstead of addressing the substance of my concerns, the tone of the message leaned condescending, dismissive, and even accusatory. This tone, combined with a pattern of selective fact-picking and corporate deflection, only serves to illustrate the very dysfunction I flagged in my original complaint. \n\nLet me address XXXX assertions point by point : First, XXXX attempts to downplay my concern over receiving no timely answer to a question about potential account inactivity closure, framing it as a hypothetical. Regardless of phrasing, the substance of the question was real and materially relevant to me as a new customerespecially given that many fintech institutions now engage in automated account closures with little to no notice. XXXX acknowledges that first-level support failed to answer my inquiry, but then has the audacity to suggest I should have bypassed normal support channels and contacted a second-level agent directly, or remembered a name from a past interaction. This expectation is neither practical nor disclosed anywhere in their app or support documentation. If first-level support is unqualified to answer basic questions about account status, that in itself is a red flag for operational compliance and user accessibility. \n\nSecond, cred.ais recent decision to implement facial recognition requirements before allowing deposit actions was done without any notice, consent, or clear opt-in process. I discovered the feature only after being locked out of depositing funds unless I submitted a photo of my face. No warning, no onboarding, and certainly no explanation of how that biometric data would be stored or used. \n\nWhen I contacted the call center to inquire, agents had no idea what I was referring tosuggesting the feature was deployed without proper training or consumer education. Eventually, someone from email support acknowledged the issue, but only after I made repeated inquiries.\n\n* * * This unannounced biometric gating of account access is both invasive and arguably unlawful under consumer protection and biometric data statutes. * * * Third, XXXX insinuates that I engaged in social engineering because, during a prior complaint, I referenced a publicly available XXXX review that closely mirrored my experience. I was transparent in my communication and would have gladly clarified the source if asked. \n\n* * * The fact that cred.ai sees consumer citation of public criticism as a potential security threat speaks volumes about their internal cultureand their apparent discomfort with accountability. * * * Most disturbingly, XXXX tries to redirect attention to a single sentence from a prior phone call in which I expressed frustration about the repeated support failures. I regret if my tone was blunt, but to frame my criticism of a broken offshore support systemafter hours of escalationsas demeaning while ignoring the institutional dysfunction that provoked it is a classic example of corporate gaslighting. This is the same playbook used by firms that try to flip the blame onto customers for reacting to mismanagement, rather than fixing the root problem. I stand by my criticism of how support was handled. My words may have been sharp, but they were a reaction to structural apathy, not personal disrespect. \n\nThe bigger picture is this : cred.ai presents itself as a no fee, no interest financial innovation. In reality, it operates like a vaporware fintech, built more for attracting investors than for serving customers. The XXXX XXXX  from signaling financial empowermentis little more than cardboard horn cosplay slapped onto a structurally unsound operation. Their product roadmap seems to be driven by optics, not compliance. They deploy features ( like biometric gates ) without notice. They outsource first-line support to poorly trained overseas agents. They gaslight customers when they express legitimate concern. And when those customers file complaints, the company responds not with introspection, but with defensiveness and veiled threats of account closure. \n\nThis is not a one-off issue. It is a systemic example of the increasing trend among venture-backed fintechs to substitute flash for substance. As a customer, I was misled, poorly supported, and surveilled without notice. As a complainant, I was dismissed, condescended to, and subtly threatened with closure. And as a citizen, I am now asking for regulators to step inbecause no matter how slick the app interface, this kind of business model is an erosion of financial integrity. \n\n* * * Most critically, cred.ais sudden and undocumented implementation of facial recognition requirements before granting access to deposit functions isat minimuman Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) violation under the Dodd-Frank Act. The failure to notify users of this policy change, obtain affirmative consent, or offer alternatives constitutes an unfair and deceptive limitation on access to ones own funds. It effectively blocks lawful account usage behind a biometric wall that users never agreed to, in conflict with basic principles of transparency, informed consent, and equal access. * * * This is a textbook example of why UDAAP enforcement exists in the fintech space. It is not enough for a company to claim innovation while quietly shifting risk and friction onto the consumer. When a financial institution introduces new surveillance features without user consent, fails to train its agents on the change, and locks customers out of functionality as a result, that is not a customer service oversightit is a regulatory concern. \n\nI respectfully urge the CFPB to investigate : Whether cred.ai is deploying biometric features in accordance with federal and state notice, consent, and privacy laws ; Whether its outsourced support model meets regulatory requirements for transparency and responsiveness ; Whether its complaint handling procedures are in compliance with fair lending, UDAAP standards, and consumer communication regulations ; And whether the companys branding and promotional claims constitute deceptive advertising under federal consumer protection laws. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-11T18:25:48.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"179XX","tags":null,"has_narrative":true,"complaint_id":"14012232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CRED Technologies dba cred.ai","date_received":"2025-06-11T18:13:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble getting information about the card"},"highlight":{"complaint_what_happened":["* * * Most critically, cred.ais sudden and undocumented implementation of facial recognition requirements before granting access to deposit functions isat minimuman Unfair, <em>Deceptive</em>, or Abusive Act or <em>Practice</em> ( UDAAP ) violation under the Dodd-Frank Act. The failure to notify users of this policy change, obtain affirmative consent, or offer alternatives constitutes an unfair and <em>deceptive</em> limitation on access to ones own funds."]},"sort":[9.9104395,"14012232"]},{"_index":"complaint-public-v1","_id":"3766408","_score":8.969589,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX, XXXX, trust me ). Agreement made  in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the  actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, My XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX/XXXX of The XXXX XXXX XXXX  XXXX XXXX here in XXXX Kentucky. The agreement was between my XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as an employee and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our XXXX had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt XXXX another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of my XXXX. XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against Transunion, XXXX   and XXXX ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ).  This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by owning and being employed by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any XXXX or XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX company on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( CFO ) This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter XXXX of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt. \n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of. \n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections. \n807 ( 6 ) ( B ) in the false representation that I am personally responsible. \n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender. \n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender. \n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written  communication, they knew they were wrong, wanted no records. \n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt. \n813 creates XXXX, XXXX, XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages. \n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised September 2018 603 ( k ) ( 1 ) describes the actions included in adverse  actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices. \n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied six figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my real estate license, Private investigators license, electricians license, pilots license and debt management license.\n\n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.\n\n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection. \n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters. \n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.\n\n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.\n\n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated.\n\n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days. \n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to  enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees. \n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named. \n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved. \n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence. \n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created. \n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX Dated : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:15:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-27T20:54:50.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As well as Section 5 of the Federal Trade Commission Act that also deems unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce, are hereby declared unlawful."]},"sort":[8.969589,"3766408"]},{"_index":"complaint-public-v1","_id":"3766028","_score":8.969589,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, KY. XXXX, ( not to be confused with XXXX  XXXX, XXXX XXXX ). Agreement made in XXXX. The building was delivered to our XXXX   property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, My Corporation ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX/XXXX  of XXXX XXXX, XXXX   XXXX  XXXX XXXX here in XXXX   Kentucky. The agreement was between my Corporation ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as an employee and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our company had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt company another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of my XXXX. XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against XXXX, Experian and XXXX ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by owning and being employed by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any ownership or employment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX company on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX, XXXX XXXX XXXX XXXX  are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( CFO ) This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter 18 of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBTCOLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt.\n\n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of.\n\n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.\n\n807 ( 6 ) ( B ) in the false representation that I am personally responsible.\n\n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender.\n\n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.\n\n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.\n\n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt.\n\n813 creates XXXX, XXXX, XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages.\n\n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.\n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised September 2018 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX  and XXXX  fraudulent and deceptive practices.\n\n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied six figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my real estate license, Private investigators license, electricians license, pilots license and debt management license.\n\n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.\n\n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection.\n\n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A )  requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters.\n\n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.\n\n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.\n\n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated. \n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.\n\n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil  penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees.\n\n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named.\n\n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.\n\n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.\n\n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created.\n\n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX XXXX : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:16:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-27T21:15:56.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As well as Section 5 of the Federal Trade Commission Act that also deems unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce, are hereby declared unlawful."]},"sort":[8.969589,"3766028"]},{"_index":"complaint-public-v1","_id":"3766029","_score":8.946357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX XXXX, trust me ). Agreement made in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, XXXX XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX of XXXX XXXX XXXX XXXX   XXXX XXXX here in XXXX Kentucky. The agreement was between XXXX   XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as XXXX XXXX  and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our company had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt company another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of XXXX XXXX XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against XXXX, XXXX and Equifax ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by XXXX  and being XXXX by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter 18 of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt. \n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of. \n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.\n\n807 ( 6 ) ( B ) in the false representation that I am personally responsible.\n\n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender. \n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.\n\n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.\n\n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt. \n813 creates XXXX XXXX XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages. \n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised XXXX XXXX 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices. \n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied XXXX figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors. \n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection. \n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by  their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters. \n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies. \n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence. \n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated. \n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.\n\n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no  excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees. \n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named. \n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.\n\n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.\n\n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created. \n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX Dated : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:16:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-27T21:15:56.000Z","state":"KY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As well as Section 5 of the Federal Trade Commission Act that also deems unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce, are hereby declared unlawful."]},"sort":[8.946357,"3766029"]},{"_index":"complaint-public-v1","_id":"7490965","_score":8.637392,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PART ( 2 ) adding on from part 1 [ DISCOVER ] *******Another critical provision of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ) - Communication with third parties. This section is of great significance, and I believe its crucial that Discover understands its implications. 15 U.S. Code 1692c ( b ) - Communication with third parties : The FDCPA explicitly states that, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector, including Discover, may not communicate with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. While I represent myself in this matter, it is essential that Discover fully comprehends the scope of this provision. Any communication with third parties not covered by the exceptions outlined in the FDCPA constitutes a violation of my rights as a consumer. I urge Discover to promptly review its practices and ensure strict compliance with 15 U.S. Code 1692c ( b ). Violations of this provision can have severe legal consequences, and I am committed to protecting my rights as a consumer. I have identified numerous violations of 15 U.S. Code 1692d, which explicitly forbids harassment or abuse in the context of debt Consumers : ** Your actions, including disclosing my personal information in the context of debt collection, resemble the prohibited publication of a list of consumers who refuse to pay debts, as outlined in 1692d ( 3 ). **Advertisement for Sale of Debt : ** The manner in which you've pursued payment, including threats and coercion, could be construed as an attempt to advertise the sale of the debt, contravening 1692d ( 4 ). I have thoroughly reviewed your debt collection practices, and it has come to my attention that there are numerous violations concerning the Telephone Consumer Protection Act ( TCPA ), as stipulated in 47 U.S.C. 227. The TCPA establishes strict regulations regarding telemarketing calls, auto-dialing systems, and unsolicited facsimile advertisements, among other things. Each violation of the TCPA can result in penalties of up to {$1500.00} per violation. Upon reviewing your actions, it has become evident that you have consistently engaged in practices that run afoul of the TCPA. 2. Failure to Obtain Consent : The TCPA mandates that prior express consent must be obtained before initiating any telemarketing calls or sending unsolicited facsimile advertisements. It appears that you have not consistently obtained this required consent. 3.Lack of Opt-Out Mechanisms : The TCPA also requires that telemarketing calls provide recipients with an easy means to opt out of future communications. It is evident that your communications have not consistently included these opt-out mechanisms. 4. Calling Without Prior Consent : Your actions show that you have made numerous calls without the requisite prior consent, constituting violations of the XXXX. Given the severity of TCPA violations and the potential penalties of up to {$1500.00} per violation, it is crucial that you rectify these violations immediately. I strongly urge you to cease these practices and take corrective action promptly to avoid further consequences. I am acutely aware of the numerous violations concerning 15 U.S. Code 1666a - Billing Error Resolution that Discover has committed against me through their correspondence and billing practices. The law is explicit about the obligations of creditors, especially when an obligor has reported a billing error. These violations include : 1. Failure to Acknowledge Billing Errors Promptly : Discover has consistently failed to acknowledge billing errors promptly upon receipt of written notice. The law stipulates that creditors should acknowledge such notices within thirty days.\n\n2. Failure to Make Appropriate Corrections : Instead of making appropriate corrections in response to reported billing errors, Discover has often chosen to continue collection activities without the requisite corrections or clarification. The law mandates that creditors must correct billing errors within XXXX complete billing cycles or no later than XXXX XXXX. Lack of Transparency in Providing Documentation : When a billing error is reported, Discover has failed to provide adequate explanations, clarifications, or copies of documentary evidence as required by law. This lack of transparency infringes upon my rights as a consumer. 4. Continued Collection Efforts Despite Billing Errors : Discovers continued collection efforts following reported billing errors, without adhering to the required procedures for resolution, constitute a significant violation of this law. 5. Restricting or Closing Accounts Prematurely : The law prohibits creditors from restricting or closing accounts solely due to an obligors failure to pay the amount indicated to be in error. However, Discover has not consistently followed this mandate. 6. Failure to Forfeit Rights After Noncompliance : Discover has failed to forfeit its right to collect the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) when it does not comply with the laws requirements. Under the law, creditors may forfeit this right, and any finance charges thereon, except that the amount required to be forfeited may not exceed {$50.00}. It has come to my attention that Discover you have acted in a manner that violates the FDCPA. Specifically, these violations relate to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692e ( 11 ) of the FDCPA. 15 U.S. Code 1692b ( 5 ) - Acquisition of Location Information : I have reason to believe that Discover has communicated with parties not expressly permitted under this section of the FDCPA. Such actions raise concerns about compliance with federal law and the safeguarding of my rights as a consumer. It is imperative that communications pertaining to debt collection strictly adhere to the statutory guidelines set forth in the FDCPA.\n\n15 U.S. Code 1692e ( 11 ) - False or Misleading Representations : There is also evidence that Discover has engaged in communications that are perceived to me as misrepresentations, particularly implying that certain communications were from an attorney, which may not have been the case. The FDCPA explicitly prohibits such false representations. I draw your attention to a matter of potential concern regarding the use of your corporate logo on certain correspondence sent to me, which may be a violation of the Fair Debt Collection Practices Act ( FDCPA ). In the recent correspondence received from Discover Financial Services, I have noted the prominent display of your corporate logo. While I understand the importance of branding and corporate identity, it has come to my attention that such usage on correspondence related to debt collection may contravene the provisions of the FDCPA, specifically 15 U.S. Code 1692e ( 5 ). 15 U.S. Code 1692e ( 5 ) - Use of Symbols or Language Indicating Debt Collection : This section of the FDCPA explicitly prohibits the use of any language or symbol on envelopes or within the contents of communication that indicates the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The intent of this provision is to ensure that consumers are not misled or intimidated by the appearance of debt-related correspondence. The prominent use of your corporate logo on correspondence, which is unmistakably linked to the collection of a debt, raises many violation concerns about compliance with this provision of the FDCPA. It is imperative that debt collection communications adhere to the spirit and letter of the law to safeguard the rights and interests of consumers.I emphasize that my intention in bringing this matter to your attention is not merely to highlight a potential violation but also to ensure that debt collection practices are conducted ethically and in strict compliance with federal law. Attention, a matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically pertaining to 15 U.S. Code 1692e ( 11 ). 15 U.S. Code 1692e ( 11 ) - Failure to Disclose Debt Collection Status : This section of the FDCPA mandates that debt collectors must disclose, both in the initial written communication with the consumer and in the initial oral communication if the initial contact is oral, that they are attempting to collect a debt and that any information gathered during this process will be used for that purpose. Furthermore, it stipulates that in subsequent communications, it is essential to disclose that the communication is from a debt collector, except for formal pleadings made in connection with a legal action. I have received numerous communications from Discover Financial Services, which are considered attempts to collect a debt, yet these communications have consistently lacked the required disclosure that they are from a debt collector. This is a critical omission that could led to misunderstandings and violations of consumers rights under the FDCPA. It is imperative that debt collection communications fully comply with the provisions of the FDCPA to ensure transparency and protect the rights of consumers. Even if the absence of the specific phrase debt collector is argued, it remains essential that consumers are aware that the communication pertains to debt collection, as mandated by the law. This is a violation of 15 U.S. Code 1692e ( 11 ). All communications, both past and future, should unmistakably convey the nature of the communication as being related to debt collection. My intent in raising this concern is to ensure that Discover Financial Services adheres to the FDCPAs principles and provides consumers with clear, honest, and legally compliant debt collection communications. a Attention, another matter that raises concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly related to 15 U.S. Code 1692f - Unfair Practices. 15 U.S. Code 1692f - Unfair Practices : This section of the FDCPA explicitly prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt. It outlines several specific practices that are considered violations. Here are some of the key violations I have observed : ( XXXX ) Unauthorized Collection Amounts : I have received communications from Discover Financial Services that include claims for amounts beyond the principal debt. These additional amounts, including interest, fees, charges, or expenses, were not authorized legally. It is in violation of the FDCPA. ( XXXX XXXX XXXX XXXX XXXX : Discover Financial Services has allegedly accepted checks and other payment instruments that were postdated by more than five days. However, I was not provided with written notification of your intent to deposit these instruments as required by law. This lack of notification is seen as a violation of 15 U.S. Code 1692f ( 2 ). In your communications, Use of Language or Symbols on Envelopes : Discover Financial Services has used language or symbols on envelopes when communicating with me that do not comply with the FDCPAs guidelines. Specifically, using anything other than your address on envelopes could be considered a violation of 15 U.S. Code 1692f ( 8 ). It is essential to reiterate that adherence to the FDCPA is paramount in ensuring fair and ethical debt collection practices that protect consumers rights and interests. I am aware that under the FDCPA, each violation may incur a penalty of up to {$1000.00}. However, my primary objective is to foster compliance and ethical conduct, rather than seeking penalties. I encourage Discover Financial Services to rectify these potential violations and commit to transparent, lawful debt collection practices. 15 U.S. Code 1692g - Validation of Debts : This section of the FDCPA mandates certain actions and disclosures by debt collectors to ensure transparency and fairness in the debt collection process. It is imperative for Discover Financial Services to be in full compliance with these requirements.\n\nHere are some of the key violations I have observed : ( a ) Notice of Debt ; Contents : Discover Financial Services failed to provide the required written notice to me within five days after the initial communication in connection with the collection of the debt. The notice must include specific information such as the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission may constitute a violation of 15 U.S. Code 1692g ( a ). ( b ) Disputed Debts : Upon my written request within the thirty-day period as described in subsection ( a ), Discover Financial Services was obligated to cease collection activities related to the debt until verification of the debt or other requested information was provided. Despite my written request, collection activities persisted, which is a violation of 15 U.S. Code 1692g ( b ). Regarding the XXXX of XXXX in your correspondence. I want to bring to your attention a matter that directly affects my consumer rights. Your choice of using the word agreement, especially when communicating with me about debt collection, is a direct violation of my rights and is highly deceptive. Deceptive Terminology : Its essential to understand that using the term agreement can be misleading and deceptive, particularly when it comes to financial matters like debt collection. This is not merely an issue of semantics ; it goes to the heart of transparency and fairness in consumer dealings. Validation of Debt and Cease and Desist : Ive also previously requested validation of debt and issued a cease and desist notice. Its crucial to reiterate that upon receiving this document, all collection activities, including reporting to consumer agencies, must halt. Any continuation of these activities constitute violations of consumer protection laws. Compliance is not a choice. Regarding Admission of Liability : I want to underscore a critical point concerning the admission of liability. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( c ), the failure of a consumer to dispute the validity of a debt should not, under any circumstances, be construed by any court as an admission of liability by the consumer. Illegality of Default Judgments : Its imperative to understand that any attempt to obtain a default judgment under these circumstances is not only against the law but also in direct violation of my consumer rights. A default judgment in debt collection cases should not occur when a consumer has requested debt validation or issued a cease and desist notice. These legal safeguards are in place precisely to protect consumers from such practices. Compliance is Mandatory : I insist on full compliance with this aspect of consumer protection law. Failure to adhere to this principle constitutes a violation of the law and my rights. Immediate Action Required : Any attempt to obtain a default judgment in contravention of the law will be met with appropriate legal action to safeguard my rights. 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall 1. In the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or 2. In the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) In which such consumer signed the contract sued upon ; or ( B ) In which such consumer resides at the commencement of the action.\n\n( If debt collectors choose to bring legal action, by law, they would have to bring it to my jurisdiction. ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Discover, its crucial to emphasize that, as per 15 U.S. Code 1692i, legal actions on debts should be brought in specific jurisdictions. Debt collectors should not be initiating legal actions themselves. Congress has explicitly warned against the creation of documents that might mislead consumers into believing that a party other than the creditor is involved in debt collection. Its vital to ensure that such deceptive practices are avoided.\n\nI want to remind you of the violations identified in 15 U.S. Code 1692j : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Please ensure that your correspondence aligns with these legal requirements. Deceptive forms can have serious consequences, and its in both parties interest to maintain transparency. \nBring your attention to the legal framework surrounding civil liability as specified in 15 U.S. Code 1692k. Its essential to understand the potential consequences of failing to comply with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). This code outlines the following aspects of civil liability : Amount of Damages ( 1692k ( a ) ) : Any debt collector who fails to comply with the FDCPA may be liable to the affected person for : 1.Actual damages incurred due to the failure. 2.Additional damages as determined by the court, not exceeding {$1000.00} for individual actions or as applicable in class actions. 3.Costs of the legal action. 4. Reasonable attorneys fees. Factors Considered by Court ( 1692k ( b ) ) : The court considers various factors when determining the amount of liability, including the frequency and persistence of noncompliance, the nature of noncompliance, and whether it was intentional. Intent ( XXXX ( c ) ) : Debt collectors may not be held liable if they can demonstrate that the violation was not intentional and resulted from a bona fide error, provided they maintain procedures reasonably adapted to avoid such errors. Jurisdiction ( XXXX ( d ) ) : Actions to enforce liability can be brought in any appropriate United States district court without regard to the amount in controversy or in any other court of competent jurisdiction, within one year from the date of the violation. It is essential to comply with both the FDCPA and FTC guidelines, as they not only define ethical practices but also carry significant legal consequences for violations. Addressing a matter of utmost importance regarding documentation you have provided concerning the alleged debt associated with my account. As stipulated in Rule 1002 of the Federal Rules of Evidence, it is a fundamental requirement that an original writing, recording, or photograph is necessary to prove its content unless specified otherwise by these rules or a federal statute. This rule, designed to uphold the integrity of evidence, plays a pivotal role in ensuring the accuracy and authenticity of documents used in legal matters. Regrettably, Discovers failure to provide the original document in question pertaining to the alleged debt represents a major violation of Rule 1002 and calls into question the legitimacy of the debt and the accuracy of the information being pursued. By not adhering to this critical rule, Discover has jeopardized the credibility of its collection efforts and may have placed itself in a precarious legal position. The absence of the original document raises significant doubts regarding the validity of the debt you are attempting to collect. I must insist that Discover should have taken immediate corrective action by providing the original document as required by Rule 1002. Addressing this major violation is essential not only for compliance with legal standards but also for restoring trust and transparency in your future dealings. Failure to rectify this situation promptly will result legal actions to safeguard my rights and interests. Please consider this matter seriously, as it pertains to a major violation with potential legal consequences.- **Subject : Assumption of Risk and Your Debt Collection Practices** A matter of utmost importance concerning your debt collection practices, particularly in light of the legal doctrines of \" assumption of risk. \" Assumption of risk '' is a legal concept with deep-rooted principles, indicating that individuals who knowingly and voluntarily accept the risks of certain actions or decisions can not subsequently seek recourse for any resulting consequences. This doctrine highlights personal responsibility for one 's choices. In the context of debt collection, this concept takes on a significant meaning. By purchasing and attempting to collect debts, you willingly assume the inherent risks associated with these financial transactions. It's essential to recognize that these debts may be inherently problematic or noncollectable, and your decision to engage in this business carries with it certain responsibilities. While \" assumption of risk '' was traditionally an affirmative defense available to defendants in legal matters, it has evolved, particularly in jurisdictions like California, to include scenarios where the defendant does not owe a duty of care to the plaintiff. This means that, as a debt collector, you must consider the inherent risks in your chosen field of business.Express assumption of risk, often formalized through signed waivers, can limit your liability to the terms of such waivers, provided they are not against public policy. In essence, it becomes a contractual matter. Implied assumption of risk, on the other hand, prevents a party from recovering when they voluntarily accept the risks associated with a certain activity, and this is where your responsibilities come into play. Debt collection inherently carries risks, such as the possibility of dealing with uncollectible debts, challenging debtors, or navigating complex regulations. It's crucial to understand that you, as a debt collector, have knowledge and appreciation of these risks. In doing so, you assume the responsibility for the outcomes of your collection efforts. Whether debts are collectible or not, it is your obligation to act in compliance with the law and to treat debtors fairly and ethically. While the legal landscape surrounding \" assumption of risk '' may have evolved, your responsibilities as a debt collector have not changed. You must uphold ethical standards, adhere to the Fair Debt Collection Practices Act ( FDCPA ), and act within the boundaries of the law. Failure to do so could expose you to significant legal consequences, including potential violations of the FDCPA, which carries its penalties and liabilities. Attention to a critical legal statute, 18 U.S. Code 1341, which pertains to Frauds and Swindles. This statute outlines severe penalties for individuals or entities that engage in schemes to defraud, obtain money or property through false pretenses, or employ fraudulent representations or promises. Specifically, the statute states : Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promisesplaces in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Serviceshall be fined under this title or imprisoned not more than 20 years, or both. The implications of this statute are profound and far-reaching, and it underscores the importance of conducting business activities with the utmost integrity and transparency. Any actions that can be construed as fraudulent or deceptive can result in severe legal consequences, including significant fines and imprisonment. In the context of your debt collection practices, it is imperative to adhere to the highest ethical and legal standards. Deceptive practices, false representations, or any actions that may be interpreted as fraudulent must be avoided at all costs.\n\nMoreover, I would like to emphasize that this statute carries even more severe penalties if the violation relates to a presidentially declared major disaster or emergency, or if it affects a financial institution. In such cases, the potential fines and imprisonment terms can be exceptionally high. The U.S. Code, specifically 18 U.S. Code 1028A, addresses the grave offense of Aggravated Identity Theft. This law aims to protect individuals from the malicious use of their personal information and identity for fraudulent purposes. It is a matter of utmost significance, as identity theft can lead to severe financial and emotional distress for the victims involved.I have reason to believe that my personal information has been mishandled, leading to many concerns about my privacy and the security of my identity. I take these matters very seriously. My primary objective is to ensure that my personal information remains secure, and Ive also noted violations of 18 U.S. Code 1028A. I believe it is essential to discuss these issues in detail to ensure a full understanding of the situation. As a responsible consumer, I have always upheld the importance of maintaining a clean and accurate credit history. However, recent events have led me to question the practices employed by Discover in managing my credit information, specifically in connection with Unwritten Permissible Purpose. The Fair Credit Reporting Act ( FCRA ) outlines specific guidelines and regulations governing how consumer credit information is collected, reported, and used by creditors, including Discover. One crucial aspect of the FCRA is the requirement for creditors to have a permissible purpose to access a consumers credit report. It has come to my attention that Discover may have been engaged in a practice known as Unwritten Permissible Purpose. This practice involves accessing a consumers credit report without a clearly defined or legitimate reason, which raises significant concerns about the privacy and security of my personal information. I firmly believe that consumers have the right to protect their sensitive financial information from unwarranted intrusion. As a diligent and responsible consumer, I have taken every precaution to safeguard my credit history, and it is disconcerting to encounter practices that appear to circumvent the FCRAs safeguards. Furthermore, it has come to my attention that Discover conducted a soft pull on my credit account when I initiated the process of filing claims. This action raises additional concerns about the privacy and security of my financial information, as it was performed outside the context of permissible purposes under the FCRA. Discovers actions in this regard may potentially violate the FCRA, and it is essential to address this issue comprehensively. I have serious reservations about the unauthorized access to my credit information and the implications it may have on my financial privacy. specifically concerning tax reporting and potential violations that have come to my attention. Recent events have led me to question the practices employed by Discover in managing my credit information, particularly regarding the reporting of charged-off debts and tax-related matters. A charged-off debt typically signifies that a creditor has deemed the debt as uncollectible and, in most cases, a tax break for the loss. It is essential for consumers to be aware of the financial implications of a charged-off debt, including the obligation to report it as gross income when necessary. When a debt is charged off, consumers have the right to request a Form 1099-C, known as the Cancellation of Debt form, from the creditor. This form is vital for tax purposes, as it ensures that any canceled debt is properly reported as income to the IRS. Filing the 1099-C is not only a legal obligation but also a means for consumers to maintain accurate records of their financial transactions. The filing of the 1099-C fundamentally changes the status of the debt from a bad debt to income. It demonstrates that the consumer has fulfilled their obligation by reporting the canceled debt as income during tax filings. This critical step ensures transparency and compliance with tax regulations. It has come to my attention that Discover may not be providing consumers with the necessary Form 1099-C upon the charge-off of a debt. This practice raises serious concerns about compliance with tax reporting regulations and may potentially constitute tax fraud. As a consumer, I am deeply troubled by the failure to provide essential tax documentation. If Discover fails to provide consumers with their Form 1099-C when required, it jeopardizes not only the consumers financial records but also the creditors reporting obligations to the IRS. This situation is further exacerbated when a charged-off debt is inaccurately reported as a collection item, creating an erroneous representation of the consumers credit status. I want to emphasize the significance of this issue and the potential consequences for both consumers and creditors. When debts are reported as charged off, Discover should ensure that the associated Form 1099-C is provided promptly. Failure to do so could lead to tax-related problems for consumers and potential regulatory issues for Discover. Additionally, I urge Discover to promptly correct the inaccurate reporting of charged-off debts as collectors items, as this misrepresentation can adversely affect a consumers creditworthiness and create unnecessary challenges. I believe in the importance of transparency, accuracy, and compliance in financial matters, this matter is of significant importance to me, as it pertains to both my financial well-being and my confidence. I insist that Discover immediately removes the alleged debt from my credit report and ceases any further reporting related to this matter on my consumer report.","date_sent_to_company":"2023-09-02T09:57:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32566","tags":null,"has_narrative":true,"complaint_id":"7490965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-09-02T09:24:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Upon reviewing your actions, it has become evident that you have consistently engaged in <em>practices</em> that run afoul of the TCPA. 2. Failure to Obtain Consent : The TCPA mandates that prior express consent must be obtained before initiating any telemarketing <em>calls</em> or sending <em>unsolicited</em> facsimile advertisements."]},"sort":[8.637392,"7490965"]},{"_index":"complaint-public-v1","_id":"7563537","_score":5.6486197,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just PARROT or repeat exactly what XXXX  XXXX states without the requisite XXXX  XXXX independent unbiased inquiry. XXXX XXXX can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of XXXX XXXX accounts on my credit file. If XXXX XXXX wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for XXXX XXXX, only a JURY can resolve the dispute at this point as credit reporting agencies can not just PARROT known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by XXXX XXXX XXXXnd accepted by me, only a JURY can provide XXXX XXXX with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether XXXX XXXXXXXX acted appropriately. While XXXX XXXX  does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from XXXX XXXX and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by XXXX XXXX no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. XXXX XXXX information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. XXXX XXXX affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if hurricane XXXX and XXXX. I accepted expected promised relief which XXXX XXXX refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after XXXX plus hours of calls. XXXX XXXX  reporting is so bad that CRAs are now put in actual notice that any reply by XXXX XXXX is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from XXXX XXXX  illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of XXXX XXXX is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and XXXX. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally one for the JURY. The grave responsibility imposed by the FCRA must consist of something more than PARROTING information received from other sources, PARROTING information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by XXXX XXXX and others to provide the offered 3 months of unconditional payment deferrals. During all multiple XXXX XXXX conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. XXXX  XXXX  refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that XXXX XXXX repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that XXXX XXXX would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of XXXX XXXX  discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified XXXX mail return receipt requested to put XXXX  XXXX, XXXX, XXXX, XXXX and all closed account creditors including Bank XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to XXXX XXXX and all closed accounts. CRAs can not assume XXXX XXXX receives and processes my dispute so they must securely deliver the complete complaint with exhibits to XXXX XXXX so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE XXXX XXXX accounts without waiting for a XXXX XXXX response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, XXXX XXXX needs to address each and every point in detail as would be expected in a XXXX Supreme Court decision unless it prudently instructs every XXXX to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that XXXX XXXX and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any XXXX point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief. \n\nI respectfully request : XXXX. The immediate and permanent deletion of each and every XXXX of my accounts of XXXX XXXX from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from XXXX  XXXX and any violating CRA {$1000.00} statutory damages against XXXX XXXXXXXX and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by XXXX XXXXXXXX and XXXX lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, XXXX, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I XXXX be entitled to statutory, punitive and other damages for FCRA willful violations which damages XXXX exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my XXXX XXXX and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively MOOT other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the XXXX XXXX XXXX in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:13:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-18T15:05:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX affirmatively and unconditional Offered consumers <em>unsolicited</em> 3 months of payment deferrals for affected consumers if hurricane XXXX and XXXX. I accepted expected promised relief which XXXX XXXX refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after XXXX plus hours of <em>calls</em>."]},"sort":[5.6486197,"7563537"]},{"_index":"complaint-public-v1","_id":"7563619","_score":5.641398,"_source":{"product":"Debt collection","complaint_what_happened":"Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just XXXX  or repeat exactly what Capital One states without the requisite XXXX XXXXXXXX independent unbiased inquiry. Capital One can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of Capital One accounts on my credit file. If Capital One wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for Capital One, only a JURY can resolve the dispute at this point as credit reporting agencies can not just XXXX  known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by Capital One and accepted by me, only a JURY can provide Capital One with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether Capital One acted appropriately. While Capital One does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from Capital One and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by Capital Ones no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. Capital Ones information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. Capital One affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if XXXX  XXXX and COVID-19. I accepted expected promised relief which Capital One refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after 30 plus hours of calls. Capital Ones reporting is so bad that CRAs are now put in actual notice that any reply by Capital One is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from Capital Ones illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of Capital One is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and COVID-19. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally XXXX for the JURY. The grave responsibility imposed by the FCRA must consist of something more than XXXX information received from other sources, XXXX information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by Capital One and others to provide the offered 3 months of unconditional payment deferrals. During all multiple Capital One conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. Capital Ones refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that Capital One repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that Capital One would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of Capital Ones discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. \nI could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified US mail return receipt requested to put Capital One, XXXX, XXXX, XXXX and all closed account creditors including XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to Capital One and all closed accounts. CRAs can not assume Capital One receives and processes my dispute so they must securely deliver the complete complaint with exhibits to Capital One so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE Capital Ones accounts without waiting for a Capital Ones response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, Capital One needs to address each and every point in detail as would be expected in a U.S. Supreme Court decision unless it prudently instructs every CEA to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that Capital One and every CRA does not have to admit or deny wrongdoing. \n\nI could continue and continue but at this point I will stop. Any one point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief.\n\nI respectfully request : 1. The immediate and permanent deletion of each and every one of my accounts of Capital One from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from Capital One and any violating CRA {$1000.00} statutory damages against Capital One and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by Capital One and other lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, PARROTING, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I may be entitled to statutory, punitive and other damages for FCRA willful violations which damages may exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my Capital One and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively XXXX  other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the US District Court in XXXX. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-18T15:21:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7563619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-18T15:14:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Capital One affirmatively and unconditional Offered consumers <em>unsolicited</em> 3 months of payment deferrals for affected consumers if XXXX  XXXX and COVID-19. I accepted expected promised relief which Capital One refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after 30 plus hours of <em>calls</em>."]},"sort":[5.641398,"7563619"]},{"_index":"complaint-public-v1","_id":"3284591","_score":5.00453,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, Please find my Complaint against PennyMac Loan Servicing LLC ( PennyMac ) for fraud with XXXX XXXX XXXX ; theft of the loan ; identity theft ; conspiracy to defraud ; violation of TILA, RESPA, UCC and RICO Act ; and other misconduct. \n\nOn XX/XX/XXXX my loan was purportedly transferred to PennyMac by XXXX XXXX XXXX ( XXXX ). Both suppose to be Subservicers for the loan originator XXXX XXXX XXXX XXXX. ( \" XXXX '' ) On XX/XX/XXXX PennyMac sent me a billing statement claiming that PennyMac is \" owner/investor '' - which is not true because my loan is a VA loan thus is a subject of very strict XXXX XXXX guidelines ; and all documents are held by XXXX approved Custodian. PennyMac is  not on XXXX-approved Custodians, nor on Subservicer 's list. See attached. \n\nOn XX/XX/XXXX I sent a Debt Validation Request to PennyMac, in accordance with FDCPA. As of today, XX/XX/XXXX PennyMac failed to provide me ANY proof ( except their empty words claiming \" ownership '' of my loan. \n\nI have reasons to believe that I am a victim of a massive fraud with XXXX securities ; Ponzi scheme, theft of the loan and identity theft, since I believe that my loan was stolen from XXXX  custody by XXXX and PennyMac, both are in fact a renamed predatory lender Countywide financial who acts in conspiracy with certain investment Banks, particularly XXXX XXXX, whose executive XXXX is not CEO for XXXX. According to XX/XX/XXXX Report from House Finance Committee, XXXX XXXX, who recently paid {$13.00} XXXX fine and who was an underwriter to XXXXXXXX XXXX {$1.00} XXXX junk Securities in XXXX is currently engaged in \" in an unrelenting crime spree '' - which I experienced first hands dealing with current XXXX XXXX RICO enterprise - XXXX, PennyMac and XXXX who sells my identity to predatory lender who swamped me with unsolicited refinancing offers. \n\nOn XX/XX/XXXX I requested PennyMac to validate my debt and their legal rights to collect, particularly provide me a proof of full chain of assignment as required by XXXX Guide. \n\nPennyMac failed to provide me any proof, thus, I conclude that PennyMac is engaged in an unlawful collection activity, commonly known as racket under RICO Act. \n\nIn my request I specifically asked following questions : Debt Validation notice sent to me on XX/XX/XXXX where you informed that PennyMac Loan Services LLC ( PennyMac ), Servicer for this loan, is the current creditor to whom I owe {$120000.00} ; and the current owner/investor in loan # XXXX, ( but not PennyMac Financial Services Inc., or PennyMac Mortgage Investment Trust ; or PNMAC Capital Management, LLC, or any other PennyMac subsidiary ). According to your Companys XXXX Report, The conventional loans we acquire through our correspondent production operations are purchased, pooled for sale, sold and/or securitized on a fee-for-service basis by another PennyMac Financial subsidiary, PennyMac Loan Services , LLC, which also services most of the loans in our investment portfolio and the loans for which we retain the obligation to service. In short, PennyMac SOLD my debt to other parties which you now try to collect from me ; while you already received a payment for it. However, my loan is XXXX-guaranteed, thus not  conventional and differently regulated, where PennyMac maybe a Servicer, not owner. \n\nSince you did not attach any documents in support to your Notice which can prove that PennyMac is a legit owner/investor/creditor/beneficiary for my loan with XXXX XXXX  XXXX XXXX ( XXXX ) # XXXX signed on XX/XX/XXXX ; which was sold or otherwise transferred to XXXX XXXX XXXX, XXXX ( XXXX ) as Loan # XXXX on XX/XX/XXXX ; and purportedly sold or otherwise transferred to PennyMac on or about XX/XX/XXXX or earlier as Loan # XXXX ; I respectfully request a validation to confirm if PennyMac is entitled to receive payments of {$120000.00} in the amount of {$850.00} per month. Also, you failed to provide me how this debt was calculated, which I have reasons to believe was incorrect from the origination ; and continue to be incorrect as of today. \n\nFurthermore, PennyMac said in XXXX Report We have a strong history as a prudent steward of shareholders capital which is not true. PennyMac is in fact a renamed XXXX XXXX who created a biggest housing crisis by their fraudulent lending activities including loans issues by a fake Americas Wholesale Lender which XXXX represented as a incorporated under laws of NY while AWL was never incorporated. It resulted in trillions of $ $ $ losses for investors and taxpayers. PennyMacs President Mr. XXXX is XXXX robo-signer whose stamped signatures are currently pending in numerous bogus foreclosures across the County, which Mr. XXXX must know. PennyMacs co-owner/investor is XXXX XXXX whose entire business is based on predatory foreclosures. In XX/XX/XXXX founder of XXXX XXXX filed a lawsuit against XXXX accusing them in covert criminal conspiracy perpetrated with the specific intent and purpose of gouging enormous profits from the forced foreclosures and confiscation of the homes of hundreds of thousands of struggling families all across the United States. These facts are not consisted with PennyMacs image as a prudent steward of shareholders capital, but create the totally opposite impression of RICO Enterprise on crime-spree. PennyMac is swamped legal cases and customers complaints for fraud, dishonesty, abuses ; corruption ; and the exactly the same scheme with escrow accounts to push borrowers under hardship to foreclose which I experienced with XXXX XXXX XXXX, another branch of XXXX XXXX. Thus, a full documented validation of this debt is reasonable and supported by numerous laws since I believe I am a victim of fraud, conspiracy, corruption and a huge Ponzi scheme. \n\nBe advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) RESPA, TILA, UCC Art. 9 ; Section 401 ( a ) of the Sarbanes-Oxley Act ; and other applicable laws that your claim is disputed and validation is requested. \n\nPlease be further advised that I reserve my rights to place on hold all payments during this validation, pursuant to FDCPA which provides me 30 days to respond to your Debt Validation letter ; and 30 days to review your answer ; and RESPA 60-days allowance during Servicing Transfer, presuming that the transfer was lawful. All payments will resume in full, as agreed under the Contract, as soon as this Debt is validated. No late fees must be posted ; no harassing phone calls can be made ; and all overdue amounts must be refunded to me within 30 days from validation.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nOn XX/XX/XXXX I signed contact to purchase a Mortgage loan, governed by UCC Art. 3, secured  by a house as collateral where I was a Borrower/Mortgagor ; and XXXX was a creditor/Mortgagee. I was not informed about my real role as an Issuer/Guarantor for Mortgage-Backed Securities ( MBS ) and many other trading products ; and profits received by selling my name, my signature, my reputation, my home on the open markets several times a day, in small tranches, including but not limited to thin-air securities like Mortgage Servicing Rights ( MSR ). All of these transactions are subjects of SEC Act ; Sarbanes-Oxley Act, Federal Acquisition Regulation ( my mortgage is guaranteed by XXXX XXXX ) ; TILA, RESPA and UCC - all of which require FULL disclosures to borrowers who buy mortgages. \n\nThese disclosures were not provided to me, as well as compensation received from trades on my name and signature. No need to say, nobody offered to share profits from $ $ $ millions produced by sales of unsecured trading products. Each sale represented profits arising from my name used on loan documentation that originated the loan. Hence the profits represent undisclosed compensation that according to TILA and RESPA should have been disclosed at closing. I was never told that my {>= $1,000,000} loan would be generating $ 2+ million in profits for the bank, on top of my $ XXXX interest. Negotiations over the loan would likely be different but in any event the Truth in Lending Act requires the real players ( Investment bank ) and the real compensation ( all profits, fees and commissions ) to be disclosed to me. \n\n( 1 ) Please provide me a copy of my Mortgage which states that I was informed and gave my consent to be an Issuer/Guarantor for Mortgage-Backed Securities using my name and my house as collateral ; who was the real player in this Transaction  ( I suspect that XXXX was an intermediary who never invested a cent in this loan but to the contrary received a full benefit for their participation even before this loan was closed ). Please provide my the full amount of real compensation, including all profits, fees, commission, ect received from numerous resales and trades of myriad of various securities arose from my names used on the loan. \n\nXXXX XXXX XXXX ( XXXX ), who was likely acting as XXXX correspondent production operator, offered me monthly payments of {$890.00} as the price for the loan. A big chunk of this payment was my escrow account which included {$1100.00} ( now {$1100.00} ) per year FEMA Flood Insurance, policy # XXXX, for properties located in a flood zone. However, based on consultation and a survey from two local Companies, my property is not even included in FEMA Flood Map, so my {$98.00} per month payment for FEMA 's Flood insurance was obviously a fraudulent attempt to extort more money. Moreover, XXXX intentionally ignored my Map Amendment Letter which I mailed them several times beginning from XX/XX/XXXX ; and did not remove Flood Insurance from my escrow account as of today, which resulted in a significant overpayment. XXXX is well-known for their deceptive servicing practices, specially manipulations with escrow accounts, which resulted in numerous Class Actions, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( 2 ) Please request from XXXX/XXXX all documents based on which my property was determined in a flood zone ; remove flood insurance from my account ; recalculate my payments ; and refund me unjustly collected money. The Map Amendment letter is enclosed. \n\nXXXX was the original Servicer of my loan where XXXX was a Guarantor. As you know, XXXX does not directly issue, sell or buy pass-through MBS nor does it purchase mortgage loans. Instead, private lenders approved by XXXX XXXX originate loans that are eligible, pool them into securities, and issue the instruments. The bank collects mortgage payments from borrowers and passes payments to XXXX XXXX, which passes them through to investors. All transactions are strictly governed by XXXX XXXX Guide ; documents are held in a special Custodian Account ; all custodians must be XXXX approved ; all Servicers must have a Mortgage Servicing Agreement with XXXX. \n\nOn XX/XX/XXXX, XXXX claimed to be the current Note Holder and the loan is in a pooled security guaranteed by XXXX. On XX/XX/XXXX PennyMac claimed to be owner/investor in my loan with XXXX. I suspect that this information is not true since all Notes must held by a Custodian and XXXX   or PennyMac are not on the list of approved by XXXX  Custodians ; and under no circumstances XXXX can be a current holder on XX/XX/XXXX since they sold or transferred this loan to PennyMac about two months earlier. \n\n( 3 ) Please provide me proof that you have rights and standing as owner/investor/third-party beneficiary or in other capacity, to collect from me on the Loan XXXX, along with copies of all original documents signed by me, such as a Copy of the Note with full chain of assignments from XXXX to all parties, including PennyMac who claims to be owner of my loan at the same time as XXXX ; the name of the original Trust where XXXX placed my loan to hold as a pooled security ( in fact, myriad of different securities ), similar to PennyMacs Subordination, Acknowledgment and Pledge Agreement as of XX/XX/XXXX, between PNMAC XXXX ISSUER TRUST ( the Buyer ), and PENNYMAC HOLDINGS, LLC, as Pledgor ; Copy of Pooling and Servicing Agreement for the Trust ; the name and contact information for the Issuer ; Indenture Trustee ; Trusts Administrator/Board of Directors ; name of Custodian for XXXX who holds documents related to my loan ; copies of Subordinate Servicers Agreement between XXXX, XXXX and PennyMac ; copies of Transfer of Mortgage Servicing Rights between XXXX and PennyMac. \n\n( 4 ) Please also provide me a proof that my loan is still in Good Standing with XXXX and was not removed from XXXX custody by misrepresentation and deceit, similar to First Mortgage Corporations scheme to defraud investors in the sale of RMBS guaranteed by the XXXX XXXX. According to SEC investigation, XXXX pulled current, performing loans out of XXXX XXXX RMBS by falsely claiming they were delinquent in order to sell them at a profit into newly-issued RMBS. It is not a secret that PennyMac on XX/XX/XXXX issued XXXX XXXX shares of its Company where used my name and my signature on the loan as an asset/guarantee to attract investors. Please also provide me proof that I was informed about my role as a co-issuer/guarantor for PennyMacs Initial Public Offering ; and how much is my proportional share in this transaction. PennyMac expects to receive about {$190.00} XXXX using my name, my signature and my loan as collateral for this sale. Please also provide Affidavits in support of all charges ; and the full amortization of payments made on this loan, from the origination of the Loan XXXX until the present time, along with applicable interests ; all other documents required from Servicers/Owners/Investors in XXXX XXXX under XXXX XXXX Guide. If my loan was repurchased either by PennyMac or/and XXXX please state the reason why XXXXs sold XXXX securities backed by my loan ; and provide me a copy of re-purchasing Agreement along with the sale price. This is not private information since this information belongs to me as well, due to the Contract signed by me on XX/XX/XXXX with XXXX ; and disclosures mandated by many laws, rules and regulations ( 5 ) Please further explain why I owe you {$120000.00} if PennyMac even IF legitimately obtained rights to this debt already received a full benefit from their purchase, which was facilitated with other people money ( investors ) by secretly reselling my name, signature and reputation on the many times on the open market, without any TILA, RESPA, UCC disclosures about compensation received and without my consent. Moreover, PennyMac obtained additional benefit from selling shares of its Company to investors using my signature on the loan as a collateral for which PennyMac collected over {$21.00} per share, with a total amount XXXX shares, and generated over {$190.00} XXXX, none of which was disclosed to me and asked for my consent ; or shared with me as a profit from trading my name. Looks like PennyMac actually owes me a lot of money from trades, not I owe you anything. \nPennyMacs demand for debt payments claiming to be owner/investor constitutes that PennyMac is a third-party beneficiary under the Contract ( mortgage ) I signed with XXXX. Lender always has higher bargaining power when they sell mortgages and have access to all borrowers information. I do not have the same options since all operations are conducted in the highly secretive manner and create an inequality which put Lender in a greater negotiating position resulting in a disproportionate level of freedom between parties. While I as a borrower/promisor comply with my obligation under the contract and pay my bills, the Promise ( original Lender ) immediately received the full benefit of the bargain. I suspect that XXXX never invested any funds into this transaction and merely worked for XXXX for a fee. XXXX also immediately received a full benefit from their investment within 30 days after they packaged loans into securities, supposedly placed them in Trusts, including their XXXX XXXX XXXX Issuer Trust ( DE Statutory Trust ) where XXXX sells its thin-air Mortgage Servicing Rights in 1031 Exchange manner, in conflict with XXXX XXXX  Guide ; and sold my loan to thousands of parties thus breached their obligation to disclose that here are other beneficiarieswho are not a part of this contract but who act like they are creditor beneficiaries. I did not found if my mortgage specifically named these beneficiaries as a party who expressed their assent to my contract with XXXX as required by UCC, TILA and RESPA.\n\n( 6 ) Please provide me proof that PennyMac is a legitimate beneficiary to my Contract with XXXX ; and at the time of Closing manifested their awareness and assent as third-parties beneficiaries who will receive benefits of this bargain, backed by my home as a security for my loan ; and provided me disclosures under TILA ; RESPA ; and other laws. I am not aware about any PennyMacs detrimental reliance either.\n\n( 7 ) Provide me copies of Purchase Agreements between XXXX, XXXX and PennyMac to prove that my loan with XXXX was actually sold and PennyMac is a legitimate owner/investor, along with copies of any papers that show I agreed to pay what you say I owe you ; the name of Trust which currently holds my loan as a security for benefit of PennyMac ; Trust Pooling and Servicing Agreement ; as required by IRS Rule 26-860G ; and SEC Exchange Act of 1934 ; proof of Trusts valid registration with SEC and IRS Directory ( Pub. 938 ) Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. \nAlso during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any late fees on my loan ; any harassing phone calls ; listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, I assume that this debt is not valid and your demand to collect was unlawful and void. \nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. \n\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. \n\nBest Regards, XXXX XXXX","date_sent_to_company":"2019-06-24T09:58:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3284591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2019-06-24T09:21:57.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX is well-known for their <em>deceptive</em> servicing <em>practices</em>, specially manipulations with escrow accounts, which resulted in numerous Class Actions, <em>like</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( 2 ) Please request from XXXX/XXXX all documents based on which my property was determined in a flood zone ; remove flood insurance from my account ; recalculate my payments ; and refund me unjustly collected money. The Map Amendment letter is enclosed."]},"sort":[5.00453,"3284591"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"I do not know","doc_count":2},{"key":"Other debt","doc_count":1}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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