{"took":139,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1146,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20066916","_score":16.618742,"_source":{"product":"Credit card","complaint_what_happened":"Thank you for your previous response from Synchrony, citing the contractual language regarding the delayed restoration of available credit. To close this matter, I am requesting clarification on one operational point.\n\n1. Once an ACH payment has fully cleared the originating financial institution and successfully posted to the Synchrony account, what governs the timing of restoration of available credit?\n\nSpecifically : 2. Is restoration tied to the confirmation of final settlement from the originating bank?\n\n3. Is there a defined maximum duration for post-settlement holds?\n\n4. Does Synchrony apply any internal review period, beyond bank clearance, and if so, what is the typical timeframe?\n\nMy questions pertain only to post-settlement timing and not to merchant hold authorization holds prior to the posting. I am seeking a clear explanation so I may determine whether continued use of this product aligns with my expectations and financial needs. \n\nI look forward to your clarification.","date_sent_to_company":"2026-03-07T16:33:33.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"20066916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-03-07T16:06:57.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I am seeking a clear explanation so I may <em>determine</em> whether continued use of this product aligns with my expectations and financial needs. \n\nI look forward to <em>your</em> clarification."],"issue":["Trouble using <em>your</em> card"]},"sort":[16.618742,"20066916"]},{"_index":"complaint-public-v1","_id":"1806265","_score":15.173148,"_source":{"product":"Payday loan","complaint_what_happened":"I obtained {$600.00} from First Virginia Loans in XXXX of XXXX. I have paid monthly and still the balance is {$480.00}. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which determines your pay back dates ). They are robbing me and are not willing to assist with any settlement options. I need your help to seek settlement options with this company as they have taken over XXXX for a loan of XXXX when does it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help. I need validation of the debt and need to see if they adjusted the account when they had my paydays incorrect early part of XXXX. Please I need to see if I can settle, a fair well really not fair but feasible settlement would not be more than XXXX as again they have received almost triple the amount borrowed. Please help me I do not know what to do!!!!","date_sent_to_company":"2016-02-26T16:31:05.000Z","issue":"Can't stop charges to bank account","sub_product":null,"zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"1806265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COMMUNITY CHOICE FINANCIAL, INC.","date_received":"2016-02-26T16:31:05.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which <em>determines</em> <em>your</em> pay back dates ). They are robbing me and are not willing to assist with any <em>settlement</em> options. I need <em>your</em> help to seek <em>settlement</em> options with this company as they have taken over XXXX for a loan of XXXX when <em>does</em> it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help."]},"sort":[15.173148,"1806265"]},{"_index":"complaint-public-v1","_id":"9119635","_score":14.628383,"_source":{"product":"Debt collection","complaint_what_happened":"I, along with many other borrowers, have been subjected to unfair and abusive loan terms by Money Key XXXX  Loan. These practices include, but are not limited to : Exorbitant Interest Rates and Fees : The interest rates charged on the loans are excessively high, making it nearly impossible for borrowers to repay without falling into a cycle of debt. \nUnfair Loan Terms : The loan agreements contain terms that are highly unfavorable and often misleading. \nLack of Settlement Options : Money Key XXXX  does not allow for settlements or negotiations to ease the repayment process. \nSelling Loans to Collections : The company sells loans to collections agencies without attempting to resolve the issue with the borrower. \nEvidence I have collected substantial documentation to support these claims, including : Copies of my loan agreements Payment records Correspondence with Money Key XXXX  regarding settlement attempts Evidence of loans being sold to collections without prior negotiation Need for Legal Representation I believe that these practices violate consumer protection laws and constitute predatory lending. Many borrowers like myself have suffered financial and emotional distress due to these unfair practices. I am seeking your expertise to : Evaluate the merits of the case Determine the feasibility of a class action lawsuit Represent the affected borrowers in seeking justice and fair compensation","date_sent_to_company":"2024-05-28T12:26:26.000Z","issue":"Communication tactics","sub_product":"Payday loan debt","zip_code":"33433","tags":null,"has_narrative":true,"complaint_id":"9119635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"2288984 Ontario Inc.","date_received":"2024-05-28T12:18:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I am seeking <em>your</em> expertise to : Evaluate the merits of the case <em>Determine</em> the feasibility of a class action lawsuit Represent the affected borrowers in seeking justice and fair compensation"]},"sort":[14.628383,"9119635"]},{"_index":"complaint-public-v1","_id":"9212330","_score":14.5712,"_source":{"product":"Student loan","complaint_what_happened":"I filed a school misconduct application with Navient for my private student loan and they denied my application- even though my school ( XXXX  ) has been found over and over in multiple settlements and lawsuits ( one of which I am included in ) to have engaged in terrible practices and gross misconduct. \n\nThe letter I got from Navient letting me know my application was denied has NO reason for the denial, just says this : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. \n\nNo explanation or reason was given by Navient. When I called, the rep was not able to give me an specific reason either.","date_sent_to_company":"2024-06-09T21:39:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"85310","tags":null,"has_narrative":true,"complaint_id":"9212330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-06-09T21:30:10.000Z","state":"AZ","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["The letter I got from Navient letting me know my application was denied has NO reason for the denial, just says this : Navient carefully considers a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. \n\nNo explanation or reason was given by Navient. When I called, the rep was not able to give me an specific reason either."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Need information about <em>your</em> loan balance or loan terms"]},"sort":[14.5712,"9212330"]},{"_index":"complaint-public-v1","_id":"9398944","_score":14.151567,"_source":{"product":"Student loan","complaint_what_happened":"After my federal student loan settlement ( XXXXXXXX XXXX XXXXXXXX ), approved in XX/XX/XXXX, I requested a discharge of my private student loan. Despite ample evidence, Navient denied my application, which I submitted in XX/XX/XXXX, and Navient denied in XX/XX/XXXX. The justification from Navient for their denial was unhelpful : \" Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I would like the CFPB 's help getting further clarification from Navient as to why Navient denied my application when there is legal precedence for my school, The Art Institute of Washington, and lender, Navient, having committed predatory practices.","date_sent_to_company":"2024-07-01T20:03:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"21114","tags":null,"has_narrative":true,"complaint_id":"9398944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-07-01T19:43:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["The justification from Navient for their denial was unhelpful : \" Navient carefully considers a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. '' I would like the CFPB 's help getting further clarification from Navient as to why Navient denied my application when there is legal precedence for my school, The Art Institute of Washington, and lender, Navient"],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Received bad information about <em>your</em> loan"]},"sort":[14.151567,"9398944"]},{"_index":"complaint-public-v1","_id":"3859382","_score":13.533787,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have received the following notice on XX/XX/XXXXXXXX  ( did not see email since it was in my spam folder, the email address from the sender is bizarre ), When i called today after receiving a disturbing voicemail saying that I owe money to Castle Payday Loan i was told that I owed money and that they were going to take to court. Castle Payday Loan which is now Big Picture payday loan and they have no record of me having any type of loan with them when i called them  XX/XX/XXXX. I asked them to send me a copy of the record they have against me, and they refuse to. They said that I would only receive a receipt once the debt has been paid. I even called castle/big picture payday loan on three-way with the collection agency and still no record. Also, prior to researching I did at one point in our conversation comply with paying and even gave them my payment information but as i said, i realized that it was quite fishy, so i called  them back and cancelled that payment arrangement, then they said that they would hold that against me. But like i told them, i need to see a some type of proof that i owe something that i cant just pay something that i have no recollection of. But like said, I did end up canceling the arrangement because like i told the man, I have no record of having a loan with castle nor do they. The number the collection agency are harassing me from is XXXX case # XXXX. They said i took the loan out in XXXX. They have been calling my home, calling my mother, saying they are going to contact my place of employment.. that they will come looking for me. That they will take me to court. It is very concerning. I have no problem in resolving something, but again no one other than the agency that is calling me has a record of this debt. I can not remember the full amount that they said I owe. They told me they would settle for {$680.00} and they would be able to settle it in 5 payments. The first one of {$180.00}, and the last 4 of {$120.00}. When i asked one of the guys as to what the name of the agency they are calling me from and said assurance, but nothing comes up in XXXX search. \n\nThe last conversation had with the agency calling me with threats is that with out any type of invoice, i can not do any business. They then said they will take me to court and that my automated voice agreeing to the original payment arrangement would be used against me. I told him, with out anytype of formal notice I would not pay them. Again he told me the only notice he would send me is the receipt once its paid. \n\nThis is very crazy and i need some help. This is the email that was sent to me and was in my spam. \n\nXXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX If You Obtained a Big Picture or Castle Payday Loan You Could Get Loan Forgiveness and/or a Cash Payment from a Settlement. \nA federal court ordered this notice. This is not a solicitation from a lawyer. \n\nRead this Notice. It states your rights and provides you with information regarding a proposed nationwide class action settlement ( \" Settlement '' ) in lawsuits brought against a number of companies and persons alleged to be involved with the making of online loans in the name of Big Picture Loans and XXXX  XXXX  XXXX  XXXX XXXX Castle Payday Loans. All of these settling parties, listed below, are known here as the Settling Defendants. \n\n\nThe lawsuit claimed that the Big Picture and Castle Payday loans violated state usury laws and the XXXX Influenced and Corrupt Organizations Act. There was no finding of liability in this case, and the Settling Defendants vigorously denied all allegations in the lawsuits.\n\nAs part of the proposed Settlement, individuals who executed Big  Picture and/or Castle Payday loan agreements from XX/XX/XXXX to XX/XX/XXXX may be eligible to receive certain benefits, as detailed below, including cash refunds.\n\nThis Notice is a summary of information about the Settlement and explains your legal rights and options because you may be a member of the class of borrowers who would be affected if the Settlement is finally approved by the Court. The complete terms of the proposed Settlement are available at the Settlement website,  XXXX.XXXX.XXXX  ( \" Settlement Website '' ). You may also obtain further information about the Settlement at the following telephone number : ( XXXX ) XXXX XXXX. \nYOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT DO NOTHING You will remain a member of the Settlement Class. You may receive certain benefits without doing anything, including a reduction in the amount of interest you can be charged on your loan.\n\nHowever, if you do nothing, you will not receive a cash payment. You can still bring any claim you may have against a Defendant, but only on an individual basis.\n\nMAKE A CLAIM FOR A CASH PAYMENT You can make a claim for a cash amount by submitting the attached claim form ( \" Claim Form '' ) by mail or at XXXX.XXXX.XXXX. You will receive a cash  payment if you repaid your loan, and paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan. You can go to XXXX to see whether you would receive a cash payment. \n\n\n\nThe deadline to submit a claim form is XX/XX/XXXX. You must mail or submit your claim online by that date. \n\n\n\n\n\nOBJECT TO THE SETTLEMENT If you want to object to the settlement, you may write to the Courts about why you don't like the settlement or why the Court should not approve it. \n\n\n\nThe deadline to object to the settlement is XX/XX/XXXX. You must file any objection by that date. \n\n1. WHY IS THERE A NOTICE?\n\nThis Notice relates to a proposed nationwide Settlement that will be considered by a United States District Court in XXXX, Virginia ( the \" Court '' ). Before the Settlement becomes effective, it must be finally approved by the Court. The claims of the Settlement Class Members ( as defined below ) are being settled in the Court in the following class action matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Lawsuit '' ).\n\nThe Settlement also resolves other cases in Virginia, California, Oregon, Georgia, and Massachusetts.\n\nYou have been identified as a Settlement Class Member. The Court authorized this Notice because you have a right to know about a proposed Settlement of the lawsuit and about all your options before the Court decides whether to give \" final approval '' to the Settlement. This Notice explains the lawsuit, the Settlement, and your legal rights.\n\n2. WHAT ARE THESE LAWSUITS ABOUT? \nThe claims involved in the Settlement arise out of loans made in the name of two companies that are owned by a XXXX  XXXX  XXXX  XXXX  : Big Picture Loans and XXXX XXXX XXXX XXXX XXXX  Castle Payday Loans ( \" XXXX  Companies '' ). There were others that are alleged to have invested or assisted in the operations of these businesses. Several of these companies and individuals are also included in the Settlement ( collectively known as the \" Settling Defendants '' ). Each of the Settling Defendants is listed below in Section 7.\n\nThe plaintiffs in these cases claim that the Settling Defendants violated federal and various state laws by : ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers, and they did not have that license, ( c ) servicing or collection activities, or ( d ) their involvement in and support of other parties ' conduct. \n\n\n\nThe plaintiffs in the lawsuit claim that the Tribal Companies ' loans violated state usury laws that govern the amount of interest lenders can charge and federal laws that prevent the collection of illegal debts.\n\nThe Settling Defendants do not agree that state law is applicable to the loans made by the Tribal Companies. They have vigorously denied all claims and allegations of wrongdoing. The Tribal Companies have maintained at all times that they are arms of the Tribe and share in the Tribe 's sovereign immunity. Notwithstanding the denials of liability and alleged unlawful conduct, the Settling Defendants have decided it is in their best interest to settle the Lawsuit to avoid the burden, expense, risk, and uncertainty of continuing in litigation.\n\nImportant case documents, including the Settlement Agreement, may be accessed at the Settlement Website, XXXX. \n\n3. WHY IS THIS A CLASS ACTION?\n\nIn a class action or proceeding, one or more people, called class representatives, bring an action on behalf of people who have similar claims. All of the people who have claims similar to the class representatives are a class or class members, except for those who exclude themselves from the class. Here, the Plaintiffs have filed a claim on behalf of the Settlement Class. \n\n4. HOW DO I KNOW IF I AM INCLUDED IN THE SETTLEMENT?\n\nYou are affected by the Settlement ( and thus a \" Settlement Class Member '' ) if you obtained a Big Picture or Castle Payday loan ( s )  from XX/XX/XXXX to XX/XX/XXXX ( the \" Settlement Class '' ). \n\n\n\nThe Settling Defendants ' business records have identified you as a member of the Settlement Class.\n\n5. WHAT DOES THE SETTLEMENT PROVIDE AND HOW MUCH WILL MY PAYMENT BE?\n\nThe Settling Defendants have agreed to create a fund in the amount of {$8.00} million ( \" Settlement Fund '' ), and they have also agreed to certain other forms of non-monetary relief for the Settlement Class.  The Settling Defendants have agreed to provide the following benefits and others more fully described in the Settlement Agreement : a ) Consumer Refund. A Settlement Fund will provide payments to some Settlement Class Members who submit claims to the administrator of the Settlement ( \" Settlement Administrator '' ). Only borrowers who repaid the loan and also paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan will receive a refund payment. YOU MUST SUBMIT A VALID CLAIM FORM TO RECEIVE A REFUND PAYMENT. The amount of your check will depend on the amount of interest that you paid on your loan ( s ) and how many total valid claims are made by other Settlement Class Members. The Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move.\n\nb ) Reduced Interest on Pending Loans. For those Settlement Class Members whose loan ( s ) have not been fully paid off or are not more than 210 days delinquent or past due, the Settling Defendants agree to collect no more than 2.5 times the original principal amount of the loan in payments over the life of the loan. For example, if the original principal amount of the loan was {$500.00}, then the Settling Defendants have agreed to cap collection at {$1200.00} over the life of the loan, including payments credited to either interest or principal reduction. \n\nc ) Loan Forgiveness. For those Settlement Class Members whose loan ( s ) are currently, or become, more than 210 days in default ( \" Charged-Off Loans '' ), the Settling Defendants agree to cease any collection activities and cancel all such loans as a contested liability to the extent not already done. The Settling Defendants will not assign, sell, or transfer any interest in Charged-Off Loans and/or future loan proceeds from Charged-Off Loans.\n\n6. WHAT DO I HAVE TO DO TO RECEIVE MY PAYMENT?\n\nTo receive a refund payment from the Settlement Fund, you must complete the Claim Form linked to this Notice or at XXXX. The Claim Form requires your name, current postal address, date of birth, and the last four digits of the Settlement Class Member 's Social Security number. The Claim Form and the Settlement Website provide complete instructions for  completion of this claims process. You may submit only one Claim Form regardless of the number of loans you had.\n\nYou must mail or submit online your Claim Form no later than XX/XX/XXXX. \n\n\n\nThe Claim Form is also made available for download on the Settlement Website or by request from the Settlement Administrator.\n\nIf you are entitled to a payment, the Settlement Administrator will mail you a check upon receipt of a Valid Claim approximately 395 days after the Court grants final approval of the Settlement and any appeals are resolved. \n\n\n\nThe Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move. You can contact the Settlement Administrator at the telephone number or address below if your address has changed.\n\nTO SEE IF YOU QUALIFY FOR A CASH REFUND PAYMENT, you can go to XXXX XXXX XXXXXXXX or call ( XXXX ) XXXX. \n\n7. WHAT AM I GIVING UP IN THE SETTLEMENT?\n\nAs a member of the Settlement Class, you are providing a \" Release '' of certain claims against the \" Released Parties '' in the Settlement, who are the Settling Defendants. If you do nothing or otherwise do not receive a cash refund payment, you do not release any of your rights or claims, but you can only bring those on an individual basis. Under the Settlement, you lose your right to bring these claims in a different class action.\n\nIf you do submit a claim and do receive a cash refund payment, you will release all your claims against the Settling Parties and Released Parties. You will not be allowed to bring those claims either as an individual case or as a different class action.\n\nThe Released Parties and Settling Defendants include : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Tribe '' ) and the current and former members of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or any employees of the XXXX or any arms of the XXXX  ; Big Picture Loans , LLC ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX, XXXX and XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; and each of their current and former directors, officers, principals, trustees, shareholders, partners, contractors, agents, attorneys ( including, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). \n\n\n\nUnder the Settlement, the Named Plaintiffs and Settlement Class Members who submit Valid Claims will be deemed to have released and waived all past, present, and future claims against the Released Parties relating to and/or arising out of loans made by and/or in the name of Big Picture and/or XXXX XXXX/Castle Payday that are the subject of the Lawsuit. Specifically, Section 12.1 of the Settlement Agreement states : 12.1 Release for Valid Claims. Upon the Effective Date, the Named Plaintiffs, for themselves and as representatives of the Settlement Class, each Settlement Class Member who submits a Valid Claim, and/or their respective spouses, heirs, executors, administrators, representatives, agents, attorneys, partners, successors, predecessors and assigns and all those acting or purporting to act on their behalf acknowledge full satisfaction of, and shall be conclusively deemed to have fully, finally and forever settled, released and discharged the Released Parties of and from the Released Claims. Nothing in this Settlement Agreement, however, shall be deemed a release of the Parties ' respective rights and obligations under this Settlement Agreement. Also, nothing in this Settlement Agreement shall be deemed a release of Plaintiffs ' and Settlement Class Members ' respective Claims against the Non-Settling Defendants. \n\nSettlement Class Members who do not submit a Valid Claim will be deemed to have provided a more limited release of only class, collective, and mass actions against the Released Parties. Specifically, Section 12.4 of the Settlement Agreement states : 12.4 Scope of Release for Settlement Class Members Who Do Not Receive a Payment ( \" Non-Payment Released Claims '' ). All Settlement Class Members who do not receive a payment from the Settlement Fund will waive their rights to bring a class action, collective action, and/or mass action ( but not an individual action ) against any and all of the Released Parties related to not only claims asserted in the Actions, but also claims that could have been asserted in the Actions.\n\nThe Plaintiffs have brought claims against other Non-Settling  Defendants and their companies who they allege were behind the lending operation. Specifically, claims against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, or any other entities owned, directly or indirectly, by XXXX XXXX, XXXX XXXX, or XXXX XXXX will continue to be litigated by the Plaintiffs. If a class is certified, you may also be part of that class and will receive separate notice of this and any rights or benefits you may have due to those lawsuits.\n\n8. CAN I OPT OUT OF THE SETTLEMENT?\n\nNo. Settlement Class Members are not permitted to exclude themselves or otherwise \" opt out '' of the Settlement because of the nature of the Settlement, which is brought under Fed. R. Civ. P. 23 ( b ) ( 2 ). However, unless you request and receive a cash refund payment, you do not give up your rights ( if any ) to bring an individual claim in your own lawsuit. That individual lawsuit would not be part of this case, and you would need to obtain your own lawyer ( s ) to bring  it. \n\n9. HOW DO I TELL THE COURT THAT I OBJECT TO AND DO NOT LIKE THE SETTLEMENT?\n\nIf you are a Settlement Class Member, then you can object to the Settlement if you think the Settlement is not fair, reasonable, or adequate, and that the Court should not approve the Settlement. You have the right to appear personally and be heard by the judge. The Court will consider your views carefully.\n\nYour objection must be filed with the Court by XX/XX/XXXX. \n\n\n\nTo preserve your objection, you must send a letter stating your views to each of the parties listed below : Class Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX J XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Big Picture Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX XXXX XXXX Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Settlement Administrator Big Picture Class Action c/o Settlement Administrator XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Email : XXXX You should include the following case name and docket number on the front of the envelope and letter you file with the Court : \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'.\n\nAll objections must include the following information : Your name, address, telephone number, and the last four digits of your Social Security number ; A sentence confirming that you are a Settlement Class Member ; Your factual basis and legal grounds for the objection to the Settlement ; and The name, firm name, phone number, email address, and mailing address of counsel representing you, if any.\n\nAny lawyer who intends to appear at the Final Fairness Hearing must\nalso enter a written Notice of Appearance of Counsel with the Clerk of the Court no later than thirty ( 30 ) days before the Final Fairness Hearing and shall include the full style and case number of each previous class action case in which that counsel has represented an objector.\n\n10. WHEN AND WHERE WILL THE COURTS DECIDE WHETHER TO APPROVE THE SETTLEMENT? \nThe Court will hold a hearing to decide whether to approve the Settlement on XX/XX/XXXX at XXXX XXXX. in the courtroom of XXXX XXXX XXXX XXXX of the United States District Court for the XXXX District of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Federal Courthouse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. At this hearing, the Court will determine whether the Settlement is fair, reasonable, and adequate.\n\nIf there are objections, the Court will consider them at that time. The hearing may be moved to a different date or time without additional notice. Please check XXXX  or call ( XXXX ) XXXX to be kept up-to-date on the date, time, and location of the hearing. \n\n11. DO I HAVE TO COME TO THE HEARING?\n\nNo. But you are welcome to come at your own expense. As long as you mailed your written objection on time, the Court will consider it. You may also retain a separate lawyer to appear on your behalf at your own expense.\n\n12. DO I HAVE A LAWYER IN THE CASE?\n\nYes. The Court has appointed these law firms in these cases as \" Class Counsel '' to represent you and all other members of the  Settlement Class : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \n\n\n\nThese lawyers will not separately charge you for their work on the case. If you want to be represented by your own lawyer, you may hire one at your own expense.\n\n13. HOW WILL THE LAWYERS BE PAID? \nAs part of the proposed Settlement, Class Counsel are seeking an award of up to 33 % of the Settlement Fund for their attorneys ' fees and costs. The amount awarded by the Court will reduce the distributions to Settlement Class Members.\n\nClass Counsel also will ask the Court to approve a service award of up to {$5000.00} to each of the 43 individual Plaintiffs in this matter, depending upon each Plaintiff 's degree of contribution and service. The Plaintiffs were subject to extensive discovery and made substantial contributions in the prosecution of these lawsuits for the benefit of the Class. The Court will ultimately decide how much Class Counsel and the individual Plaintiffs will be paid.\n\nThe Settlement contains a number of detailed provisions for the allocation of the Settlement Fund, including the distribution of leftover amounts. The details for Settlement Fund distribution are set forth in the settlement documents available at the Settlement Website, XXXX.\n\n14. HOW DO I GET MORE INFORMATION?\n\nThis Notice summarizes the proposed Settlement. You can get a copy of the Settlement Agreement and other relevant case-related documents at the Settlement Website, XXXX by calling the Settlement Administrator at ( XXXX ) XXXX, or by contacting Class Counsel at the addresses above or by email to XXXX. \n\nPLEASE DO NOT ADDRESS ANY QUESTIONS ABOUT THE SETTLEMENT OR THE LITIGATION TO THE CLERK OF THE COURT, THE JUDGE, THE SETTLING DEFENDANTS OR THE SETTLING DEFENDANTS ' COUNSEL. THEY ARE NOT PERMITTED TO ANSWER YOUR QUESTIONS. \n\n\n\nDOWNLOAD CLAIM FORM XXXX XXXX XXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX We will only contact you with court-authorized notices or to update you about a claim you have filed. We will never send you any advertising or solicitation from an attorney. To unsubscribe from further email and receive notices only by regular mail, click here. \n\n\n\nSettlement Administrator XXXX XXXX XXXX XXXX, FL XXXX","date_sent_to_company":"2020-09-28T16:09:55.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"20653","tags":null,"has_narrative":true,"complaint_id":"3859382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Big Picture Loans, LLC","date_received":"2020-09-22T16:59:16.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>DO</em> I HAVE TO COME TO THE HEARING?\n\nNo. But you are welcome to come at <em>your</em> own expense. As long as you mailed <em>your</em> written objection on time, the Court will consider it. You may also retain a separate lawyer to appear on <em>your</em> behalf at <em>your</em> own expense.\n\n12. <em>DO</em> I HAVE A LAWYER IN THE CASE?\n\nYes."]},"sort":[13.533787,"3859382"]},{"_index":"complaint-public-v1","_id":"3269414","_score":13.42097,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a checking and savings account with Wells Fargo in 2012 I believe, I do not have the account number available to me as all accounts are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second account to use for bill pay, I later opened additional checking accounts, accounts ending in XXXX, XXXX. It's common sense to know you do not need a second checking account, you can keep your funds in one account and still manage bill pay.. Reps would routinely insist I open a second account whenever I called in with questions about the account and or any fees. It appears Wells Fargo reps only wanted to boost profits as they were advised to persuade customers to open additional accounts by executives, this information can be found on any number of news sites pertaining to this issue. I fell victim to this, opened accounts I did not need.. Prior complaints were made about fees charged to these accounts and settlement payment which is inadequate. Wells Fargo made a settlement fund due to their reps high pressure sales tactics in order to boost profits and salary of executives. I received a payment in the amount of XXXX from this settlement which appears to be a remedy not a resolution of fees. I understand the administrator of settlement determines how much is paid out, even though Wells Fargo agreed to the settlement and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from settlement. Suspicious of this, I requested copies of statements via a complaint with the CFPB, which was marked as duplicate, another complaint filed with the OCC in order to obtain them. I've since received several duplicate statement copies, which are not needed. I also received a notice from Wells Fargo Mediation, I replied with a request for remaining fees which I total in the amount of {$610.00}. The total in fees I show and have attached statement copies to this complaint is {$870.00}, I was paid a total of {$260.00}, thus leaving an amount of {$610.00}. Please note, this does not include the monthly service fee of XXXX. I reasonably requested XXXX via medication, have not heard back in re. I do not know how Wells Fargo rep ( s ) replying to these complaints calculate these payments, XXXX and XXXX, however, they appear to be a remedy not a resolution. I request Wells Fargo do an accounting of fees charged to these accounts, refund difference which I believe to be {$610.00} which reflects {$260.00} paid to me prior.","date_sent_to_company":"2019-06-09T04:50:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06320","tags":null,"has_narrative":true,"complaint_id":"3269414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-06-09T03:36:32.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I understand the administrator of <em>settlement</em> <em>determines</em> how much is paid out, even though Wells Fargo agreed to the <em>settlement</em> and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from <em>settlement</em>."]},"sort":[13.42097,"3269414"]},{"_index":"complaint-public-v1","_id":"4229054","_score":13.2625475,"_source":{"product":"Debt collection","complaint_what_happened":"I found this on my credit report. I called to settle the debt and the man who answered told me that \" my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.","date_sent_to_company":"2021-03-19T19:13:33.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"85302","tags":"Servicemember","has_narrative":true,"complaint_id":"4229054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-03-19T19:13:29.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I called to settle the debt and the man who answered told me that \" my account was not eligible for a <em>settlement</em> '' but that he would talk to his manager and see what he can <em>do</em> and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount <em>your</em> able to remove and he said yes he can not lower it any more."]},"sort":[13.2625475,"4229054"]},{"_index":"complaint-public-v1","_id":"4229046","_score":13.2625475,"_source":{"product":"Debt collection","complaint_what_happened":"I found this on my credit report. I called to settle the debt and the man who answered told me that \" my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.","date_sent_to_company":"2021-03-19T19:13:21.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"85302","tags":"Servicemember","has_narrative":true,"complaint_id":"4229046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2021-03-19T18:37:59.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I called to settle the debt and the man who answered told me that \" my account was not eligible for a <em>settlement</em> '' but that he would talk to his manager and see what he can <em>do</em> and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount <em>your</em> able to remove and he said yes he can not lower it any more."]},"sort":[13.2625475,"4229046"]},{"_index":"complaint-public-v1","_id":"10160143","_score":13.229209,"_source":{"product":"Student loan","complaint_what_happened":"I requested and was approved for a Private Student Loan Misconduct Application from Navient after previously submitting a CFPB complaint. This was prior to the applications being widely available, when they were sending them out on a case by case basis after determining if a students loans were eligible to apply. \n\nMy Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX XXXX There have already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as XXXX XXXX XXXX \n\nThey held onto my application for 45 days before denying my application and provided me with the following reason : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. I contacted Navient customer service for clarification per instructions on the denial and the only answer I was given was customer service doesnt know what criteria these loans applications are judged by so ( they ) cant help. \n\nThere is no actual reason for the Denial given. This is another dishonest action from Navient to keep student loan borrowers indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  XXXX tied to these loans. \n\nThere is no reason my application should have been denied.","date_sent_to_company":"2024-09-18T14:45:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"92881","tags":null,"has_narrative":true,"complaint_id":"10160143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-09-18T14:25:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Received bad information about <em>your</em> loan"]},"sort":[13.229209,"10160143"]},{"_index":"complaint-public-v1","_id":"10197092","_score":13.214691,"_source":{"product":"Student loan","complaint_what_happened":"I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX. There has already been several settlements from Navient for widespread, unfair, and deceptive student loan servicing practices and abuses in originating predatory student loans for profit schools, such as XXXX XXXX. They held onto my application for 51 days and ended up denying my application and provided me with the following reason : \" Navient carefully considers a variety of factors in determining whether a private loans should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' There is no actual reason for the denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  tied to these loans. There is no reason my application should have been denied.","date_sent_to_company":"2024-09-22T00:00:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"85541","tags":null,"has_narrative":true,"complaint_id":"10197092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-09-21T23:41:42.000Z","state":"AZ","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["They held onto my application for 51 days and ended up denying my application and provided me with the following reason : \" Navient carefully considers a variety of factors in <em>determining</em> whether a private loans should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. '' There is no actual reason for the denial given."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Need information about <em>your</em> loan balance or loan terms"]},"sort":[13.214691,"10197092"]},{"_index":"complaint-public-v1","_id":"10461266","_score":13.163801,"_source":{"product":"Student loan","complaint_what_happened":"I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The Art Institutes. There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as The XXXX XXXX. They held onto my application for nearly 60 days and ended up denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' There is no actual reason for the denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and The XXXX XXXX tied to these loans. There is no reason my application should have been denied.","date_sent_to_company":"2024-10-15T19:15:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"10461266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-10-15T19:05:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["They held onto my application for nearly 60 days and ended up denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. ' There is no actual reason for the denial given."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[13.163801,"10461266"]},{"_index":"complaint-public-v1","_id":"10160146","_score":13.163801,"_source":{"product":"Student loan","complaint_what_happened":"I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from The XXXX XXXX. There has already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as The XXXX XXXX. They held onto my application for XXXX days and ended up Denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' There is no actual reason for the Denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and The XXXX XXXX tied to these loans. There is no reason my application should have been denied.","date_sent_to_company":"2024-09-18T14:19:38.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"37076","tags":null,"has_narrative":true,"complaint_id":"10160146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-09-18T14:07:40.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["They held onto my application for XXXX days and ended up Denying my application and provided me with the following reason : 'Navient carefully considers a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. ' There is no actual reason for the Denial given."],"issue":["Struggling to repay <em>your</em> loan"],"sub_issue":["Problem lowering <em>your</em> monthly payments"]},"sort":[13.163801,"10160146"]},{"_index":"complaint-public-v1","_id":"21223007","_score":12.951136,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing a complaint regarding my auto loan with XXXX XXXX XXXX. \nI have been making payments on this loan for approximately XXXX years on an original balance of about {$21000.00} at a 24.7 % interest rate. During the life of the loan, I took several payment extensions. At the time of these extensions, I was not made fully aware of how they would significantly increase the total cost of the loan. \nNow that the loan has reached maturity, I have been informed that I owe approximately {$11000.00}, largely consisting of accrued interest, late fees, and extension-related charges. This amount is extremely concerning, especially considering that the current market value of the vehicle is only about {$3500.00} and I have already made years of payments. \nI have made multiple attempts to contact the companys customer service to obtain a clear explanation of how this balance was calculated and to discuss settlement options. However, I have received inconsistent and unclear information. Different representatives have provided conflicting answers, and no one has been able to give me a complete or accurate breakdown of the charges. \nAdditionally, I have been asked questions that do not seem relevant to determining a fair settlement, which has added to my confusion and concern about the transparency of the process. I am worried that I am being taken advantage of and not being given a fair opportunity to understand or resolve the account. \nI am requesting the following : A complete and detailed breakdown of my account, including principal, interest, late fees, and extension fees with dates and amounts. An explanation of how the remaining balance was calculated A review of the account for any improper or excessive charges. Consideration of a fair and reasonable settlement based on the vehicles value and the payments already made This situation is causing financial hardship for my household, and I am seeking a fair resolution. \nI appreciate your review and assistance in this matter.","date_sent_to_company":"2026-04-14T14:40:48.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"60630","tags":null,"has_narrative":true,"complaint_id":"21223007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2026-04-14T14:20:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["Additionally, I have been asked questions that <em>do</em> not seem relevant to <em>determining</em> a fair <em>settlement</em>, which has added to my confusion and concern about the transparency of the process. I am worried that I am being taken advantage of and not being given a fair opportunity to understand or resolve the account. \nI am requesting the following : A complete and detailed breakdown of my account, including principal, interest, late fees, and extension fees with dates and amounts."]},"sort":[12.951136,"21223007"]},{"_index":"complaint-public-v1","_id":"15397777","_score":12.915065,"_source":{"product":"Debt collection","complaint_what_happened":"I informed the collection agency that the account was fraudulent and that someone had unlawfully obtained my personal information to open this account. I also sent a copy of the email I received from XXXX XXXX XXXX about there data breach and the exposure of my personal information In XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Docket No. XXXX To all living persons in the United  States whose XXXX XXXX were included in the XXXX & XXXX XXXX XXXX Incident and Account Owners or Line or End Users whose Data Elements were included in the XXXX & XXXX XXXX Data Incident that were announced on XX/XX/XXXX, and on XX/XX/XXXX, respectively you may be eligible to receive a Settlement Class Member Benefits from a class action Settlement. \n\n\n\nName : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX You have been identified as a member of the : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Settlement Classes Why am I receiving this Email Notice? You may be a Settlement Class Member eligible to receive Settlement Class Member Benefits under this Settlement which involves XXXX XXXX XXXX and XXXX separate Data Incidents involving our Data Elements. On XX/XX/XXXX, XXXX XXXX XXXX announced that XXXX XXXX XXXX fields were contained in a data set released on the dark web ( XXXX XXXX XXXX  XXXX Data Incident ). Following XXXX XXXX XXXX announcement of the XXXX & XXXX XXXX XXXX Incident, lawsuits were filed against XXXX XXXX XXXX in state and federal courts across the country. The lawsuits were consolidated before Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX  in XX/XX/XXXX ( captioned In re XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX announced a second data incident where certain limited data had been illegally downloaded from an XXXX XXXX XXXX  workspace on a XXXX-party cloud platform hosted by XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX Incident ). Following XXXX XXXX XXXX announcement of the XXXX & XXXX XXXX Data Incident, lawsuits were filed against XXXX XXXX XXXX in state and federal courts across the country. The lawsuits were consolidated before Judge XXXX XXXX in the XXXX XXXX XXXX  ( captioned In re XXXX XXXX Breach Litigation ). The Parties in the lawsuits concerning both the XXXX XXXX  XXXX XXXX XXXX Incident and the XXXX XXXX XXXX XXXX Data Incident ( together, Actions ) agreed in XX/XX/XXXX to settle the Actions together in the XXXX XXXX of Texas before XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Plaintiffs filed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asserting claims that arose out of the Data Incidents. Without any admission of liability or wrongdoing, the Parties to the Action have agreed to enter a Settlement. \n\n\n\nWho is a XXXX XXXX XXXX? \n\nAll living persons in the United States whose Data Elements ( which include some combination of names, addresses, telephone numbers, email addresses, dates of birth, account passcodes, billing account numbers, and Social Security numbers ) were included in the XXXX & XXXX XXXX XXXX Incident that was announced on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Settlement Class ) ; and XXXX XXXX XXXX XXXX Account XXXX or Line or End Users whose AT & T XXXX Data Elements ( telephone numbers of current and former XXXX XXXX XXXX customers, including, but not limited to, Account Owners or Line Users, as well as the telephone numbers with which those customers interacted, counts of those interactions, aggregate call durations for a day or month, and for a small subset of individuals, cell site identification numbers associated with the interactions ), were involved in the XXXX & XXXX XXXX Data Incident that was announced on XX/XX/XXXX ( AT & T XXXX Settlement Class ). You are a XXXX XXXX XXXX of both classes. \n\nWhat does the XXXX provide? XXXX XXXX XXXX has agreed to pay {>= $1,000,000} for the benefit of XXXX XXXX XXXX XXXX Settlement Class Members to settle the claims arising from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement Fund ), and {>= $1,000,000} for the benefit of XXXX XXXX XXXX XXXX Settlement Class Members to settle the claims arising from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement Fund ). \n\n\n\nSettlement Class Members will be eligible to receive : ( a ) Documented Loss Cash Payments ; or ( b ) Tiered Cash Payments. Please visit here for a full description of the XXXX XXXX XXXX Benefits available to you. \n\n\n\nHow do I submit a Claim Form for a Settlement Class Member Benefit? You must submit a Claim Form, available here to be eligible to receive a benefit. Your completed Claim Form must be submitted online or mailed to the Settlement XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and postmarked, by XX/XX/XXXX. You will need the XXXX XXXX ID located at the top of this email to submit a Claim. \n\n\n\nTO RECEIVE AN ELECTRONIC OR ACH PAYMENT FOR YOUR VALID CLAIM, YOU MUST FILE A CLAIM FORM ONLINE AT XXXX  What are my other options? If you Do Nothing, you will be legally bound by the terms of the Settlement, and you will release your claims against the Defendant and all other Released Parties as defined in the Settlement Agreement. You may Opt-Out of the XXXX by XX/XX/XXXX, or file an Objection to the XXXX by XX/XX/XXXX. Please visit XXXX to view the Long Form Notice for more information on how to submit a request for exclusion or to object to the XXXX. \n\n\n\nDo I have a lawyer in this case? Yes, the XXXX appointed XXXX XXXX to represent you and other XXXX XXXX XXXX. You will not be charged directly for these lawyers ; instead, the attorneys fees and costs will be paid out of the XXXX Funds. XXXX XXXX will be seeking attorneys fees in the amount of one-third of the XXXX Funds, plus reimbursement of costs incurred in prosecuting and settling the Actions. If you want to be represented by your own lawyer, you XXXX hire XXXX at your own expense. \n\n\n\nThe Courts Final Approval Hearing. The Court is scheduled to hold a Final Approval Hearing on XX/XX/XXXX, at XXXXXXXX XXXX XXXX  to consider whether to approve the Settlement, hear objections, determine if the Settlement is fair, and consider XXXX Counsels Application for Attorneys Fees, Costs, and Service Awards. XXXX XXXX will request XXXX Awards for the XXXX XXXX not to exceed {$1500.00} each. You and/or an attorney that you have hired to represent you at your own expense may appear at the hearing, but you dont have to attend. \n\n\n\nThis Email Notice is only a summary. For more information or to change your address, visit XXXX  or call toll-free ( XXXX ) XXXX. \n\nPLEASE DO NOT CONTACT THE COURT, CLERK OF THE COURT OR CLASS COUNSEL FOR INFORMATION ABOUT THE CLASS ACTION SETTLEMENT Please monitor XXXX XXXX XXXX for updates or call ( XXXX ) XXXX. \n\n\n\nThis email was sent to you because you are a XXXX XXXX XXXX XXXX Please do not reply to this email, it is sent from an unmonitored mailbox.","date_sent_to_company":"2025-08-21T01:09:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"15397777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-08-21T00:38:39.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["If you want to be represented by <em>your</em> own lawyer, you XXXX hire XXXX at <em>your</em> own expense. \n\n\n\nThe Courts Final Approval Hearing. The Court is scheduled to hold a Final Approval Hearing on XX/XX/XXXX, at XXXXXXXX XXXX XXXX  to consider whether to approve the <em>Settlement</em>, hear objections, <em>determine</em> if the <em>Settlement</em> is fair, and consider XXXX Counsels Application for Attorneys Fees, Costs, and Service Awards. XXXX XXXX will request XXXX Awards for the XXXX XXXX not to exceed {$1500.00} each."],"sub_product":["I <em>do</em> not know"]},"sort":[12.915065,"15397777"]},{"_index":"complaint-public-v1","_id":"9639572","_score":12.615058,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/year>, I submitted a School Misconduct Discharge application for my XXXX private loans associated with enrollment at XXXX XXXX XXXX XXXX XXXXXXXX and issued by Navient, formerly Sallie Mae. With this application I submitted substantiation to my claims related to federal and state litigation directly against Navient for loans lent on behalf of XXXX XXXX XXXX ( XXXX ) as well as litigation and settlements against XXXX in favor of federal and private student loan recipients. \n\nBy XX/XX/year>, Navient acknowledged the receipt of my application. On XX/XX/year>, Navient replied to my application with a denied ruling on all three private loans associated with the application. For reasoning of this denial, Navient only provided this limited description, \" Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' All documentation provided for my claim related directly to misconduct enacted by Navient or XXXX XXXX XXXX ( XXXX ) and relates specifically to the period of my own enrollment at the school.","date_sent_to_company":"2024-07-27T16:32:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"9639572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-07-27T16:11:30.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["For reasoning of this denial, Navient only provided this limited description, \" Navient carefully considers a variety of factors in <em>determining</em> whether a private loan should be discharged based on school misconduct and you <em>do</em> not meet the requirements for discharge based on misconduct by <em>your</em> school. '' All documentation provided for my claim related directly to misconduct enacted by Navient or XXXX XXXX XXXX ( XXXX ) and relates specifically to the period of my own enrollment at the school."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[12.615058,"9639572"]},{"_index":"complaint-public-v1","_id":"12017496","_score":12.401062,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request and Cease and Desist Notice To Whom It May Concern, I am writing to you regarding a debt you have claimed I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Be advised that statements alone are not sufficient evidence of a debt. According to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, a statement does not constitute adequate validation of an alleged debt. \n\nPlease provide the following documentation to validate the debt : 1. The original contract or agreement that the debt is based on, bearing my wet signature.\n\n2. A complete accounting of the debt, including the original amount, all payments made, and the calculation of the current balance. \n3. Documentation that you are legally entitled to collect this debt, which includes evidence of the chain of custody if the debt has been sold or transferred. \n\nAdditionally, this letter serves as a formal cease and desist notice. You are hereby instructed to cease all forms of communication with me, including but not limited to phone calls, letters, and emails. This cease-and-desist order also applies to any reporting to consumer reporting agencies. Any communication, including entries on my consumer report, constitutes a violation of this cease-and-desist request and will be considered harassment. \n\nIf you continue to harass me or fail to comply with my request, I will be forced to consider litigation. Below is an itemized list of potential costs associated with litigation for harassment and abuse : - Filing fees : {$400.00} - Attorney fees : {$2500.00} - Court costs : {$500.00} - Lost wages for court appearances : {$800.00} - Damages for emotional distress : {$5000.00} - Total potential cost : {$9200.00} Litigation Steps : 1. Consult with an Attorney : I will consult with a consumer rights attorney to discuss my case and explore my legal options.\n\n2. File a Complaint : If necessary, I will file a formal complaint in court against your company for violating the FDCPA and for harassment.\n\n3. Discovery : My attorney will request documentation and information from your company through the discovery process to support my case.\n\n4. Court Appearances : I will attend all required court appearances, and my attorney will present evidence and arguments on my behalf.\n\n5. Settlement Negotiations : If appropriate, my attorney and I may engage in settlement negotiations to resolve the matter out of court. \n6. Trial : If a settlement can not be reached, the case will proceed to trial, where a judge or jury will determine the outcome.\n\nPlease note that I will pursue these damages to the fullest extent of the law if this harassment continues.\n\nI expect to receive the requested validation documents within 30 days of your receipt of this letter. Failure to do so will result in the assumption that you can not validate the debt, and it will be considered null and void. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2025-02-10T21:50:05.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"12017496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-02-10T21:32:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Settlement</em> Negotiations : If appropriate, my attorney and I may engage in <em>settlement</em> negotiations to resolve the matter out of court. \n6. Trial : If a <em>settlement</em> can not be reached, the case will proceed to trial, where a judge or jury will <em>determine</em> the outcome.\n\nPlease note that I will pursue these damages to the fullest extent of the law if this harassment continues.\n\nI expect to receive the requested validation documents within 30 days of <em>your</em> receipt of this letter."],"sub_product":["I <em>do</em> not know"]},"sort":[12.401062,"12017496"]},{"_index":"complaint-public-v1","_id":"20755682","_score":12.377265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information is inaccurate, new loan servicer, days late incorrect showing XXXX XX/XX/XXXX days is not possible in a callender year. \n\nThis is the info from GSFC Dear Borrower : Georgia Student Finance Authority is implementing a new online loan servicing system for borrowers to manage their state loan ( s ). The new loan system is a secure, online portal, loans.gafutures.org. It is replacing the XXXX site. \nWe are currently working to move your state loan to the new system. \nYour loan ( s ) is scheduled to be converted to the new system by XX/XX/XXXX. \nPlease Be Aware : Before XXXX, make sure your email and contact info are up to date in XXXX. \nStarting XX/XX/XXXX, the XX/XX/XXXX site will not be available for you to make payments or access your loan information. \nAfter your loan ( s ) is transferred to the new system, you must create a new secure account in the new portal. \nHere is a link to our video with step-by-step info on how to create your secure account in loans.gafutures.org : XXXX XXXX XXXX Account. \nWe will send another email when the loan ( s ) is fully converted to the new system : loans.gafutures.org. \nPayments If you make your state loan payments on Pathways, continue to do so before XX/XX/XXXX. \nStarting XX/XX/XXXX, payments can be made securely through the new online portal : loans.gafutures.org. \nIf you have a XX/XX/XXXX, are in school, and making Keep In Touch ( KIT ) payments on your loan, you may continue to do so in the new, secure portal after XX/XX/XXXX. \nKeep in mind your Options to Settle or Service Cancel Your Loan ( s ) Settlement option Consider making a settlement payment now so you do not have to move to the new system and will have your loan ( s ) resolved. If you are interested in a settlement, email us : XXXX. \nEngineering Loans ( XX/XX/XXXXand XXXX XXXX XXXX for XXXX XXXX ) If you are working in the engineering field in Georgia, you XXXX qualify for service/work in field. Please contact us for a Verification of Service for cancelation. \nMilitary Programs ( XXXX Georgia XXXX XXXX XXXX XXXX Loan ; XXXX University XXXX XXXX Georgia XXXX XXXX ; and XXXX Georgia XXXX XXXX XXXX XXXX Loan ) GNG If you are serving in the Georgia XXXX XXXX, you XXXX qualify for service to cancel your state loan. \nXXXX and XXXX If you are serving in the XXXX Armed Forces, you may qualify for service to cancel your state loan.\n\nXX/XX/XXXX Service Cancellation Option through Public Service For students that received a XX/XX/XXXX while attending a USG or eligible private college or university. \nWork full time for XXXX year in Georgia in \" public service ''. \nThe year XXXX disbursed determines the time or amount that XXXX be canceled by service : XXXX disbursed on or after XX/XX/XXXX - 1 year of loan service cancelled for 1 year of qualified full-time public service employment XXXX disbursed XX/XX/XXXX - XX/XX/XXXX - Service cancellation of {$750.00} for 1 year of qualified full-time public service employment Check GAfutures for your loan service cancellation option and Pathways ( through XX/XX/XXXX ) for forms to request and verify service ( VOS ) or email us : XXXX or call us : XXXX","date_sent_to_company":"2026-03-29T13:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33401","tags":null,"has_narrative":true,"complaint_id":"20755682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Georgia Student Finance Authority","date_received":"2026-03-29T12:45:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If you have a XX/XX/XXXX, are in school, and making Keep In Touch ( KIT ) payments on <em>your</em> loan, you may continue to <em>do</em> so in the new, secure portal after XX/XX/XXXX. \nKeep in mind <em>your</em> Options to Settle or Service Cancel <em>Your</em> Loan ( s ) <em>Settlement</em> option Consider making a <em>settlement</em> payment now so you <em>do</em> not have to move to the new system and will have <em>your</em> loan ( s ) resolved. If you are interested in a <em>settlement</em>, email us : XXXX."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[12.377265,"20755682"]},{"_index":"complaint-public-v1","_id":"3332692","_score":12.323826,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XX/XX/XXXX, I spoke with a representative ( XXXX XXXX ) who assisted with a settlement agreement to pay off a credit card originally with XXXX XXXX   Account ending in XXXX who then turned it over to Portfolio. Because I was not aware of who Portfolio was when they called, they never left voice messages, but would hang up. My account was then turned over to another debt collector/XXXX   XXXX/Another debt collector, Account No. XXXX The total balance owed to XXXX XXXX was {$1800.00} and the settlement agreement with XXXX XXXX was {$1400.00} in 12 installments monthly of {$120.00}. \n\nAs you will see from the bank statements provided, I have been faithful in paying monthly up until XXXX XX/XX/XXXX. When I went online to make my payment, I noticed my balance had changed from {$480.00} to {$730.00} ( see copies attached ). I contacted XXXX XXXX to find out why the balance was more than what I was showing last month XXXX XX/XX/XXXX when I made my payment. As stated by XXXX one of the Representatives. My account went in settlement default. I first asked why? And that I had not missed any payments. She could not tell me why. I then asked her if a letter had been sent out stating why? She said no, I requested a letter of all payments made, my agreement as well as the reason for settlement default. XXXX stated ; not sure we can do that. \n\nAfter making the request again and ending the call. I felt it necessary to contact XXXX XXXX again and spoke with XXXX XXXX ( debt collector ) and informed him that until I receive documentation in the mail due to my settlement being defaulted. All payments would be placed on hold. Mr. XXXX informed me that it was noted to provide me with the documents as well as review my settlement agreement to determine what could be done. \n\nI would like to also add that in the first 3 months of making my payments, I could never go on the website as it would not allow me access, so I had to contact a representative to make my payment of {$120.00}. After three months the service was up and working. Almost 3 months left to making my final payment, they decide to put my account in settlement default and request an additional {$240.00}. \n\nIm not sure exactly what their goal or plan was however, as a customer in good standing, I believe I am entitled to the documentation that I should have received when the agreement was first put in place. However, you will see that with every conversation, I noted the amount indicated to settle. I also believe that if I have been faithful with making my payments then why the settlement default. In XX/XX/XXXX, I was receiving calls from Portfolio, however upon my returning there call they stated we can not speak with you as we do not have your loan. I then contacted XXXX XXXX and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XXXX XX/XX/XXXX. The debt collector argued with me that she didnt know what the payment was going towards to that comment, I was puzzled. \n\nIt has been very stressful and time consuming trying to settle this debt, it has been affecting my health and causing XXXX XXXX.","date_sent_to_company":"2019-08-09T14:23:08.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"3332692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-08-07T16:29:47.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I also believe that if I have been faithful with making my payments then why the <em>settlement</em> default. In XX/XX/XXXX, I was receiving calls from Portfolio, however upon my returning there call they stated we can not speak with you as we <em>do</em> not have <em>your</em> loan. I then contacted XXXX XXXX and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XXXX XX/XX/XXXX."]},"sort":[12.323826,"3332692"]},{"_index":"complaint-public-v1","_id":"3332671","_score":12.323826,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I spoke with a representative ( XXXX XXXX ) who assisted with a settlement agreement to pay off a credit card originally with XXXX XXXX Account ending in XXXX who then turned it over to XXXX. Because I was not aware of who XXXX was when they called, they never left voice messages, but would hang up. My account was then turned over to another debt collector/Rausch Sturm/Another debt collector, Account No. XXXX The total balance owed to XXXX XXXX was {$1800.00} and the settlement agreement with Rausch Sturm was {$1400.00} in 12 installments monthly of {$120.00}. \n\nAs you will see from the bank statements provided, I have been faithful in paying monthly up until XX/XX/XXXX. When I  went online to make my payment, I noticed my balance had changed from {$480.00} to {$730.00} ( see copies attached ).  I contacted Rausch Sturm to find out why the balance was more than what I was showing last month XX/XX/XXXX when I made my payment. As stated by XXXX one of the Representatives. My account went in settlement default. I first asked why? And that I had not missed any payments. She could not tell me why. I then asked her if a letter had been sent out stating why? She said no, I requested a letter of all payments made, my agreement as well as the reason for settlement default. XXXX stated ; not sure we can do that. \n\nAfter making the request again and ending the call. I felt it necessary to contact Rausch Sturm again and spoke with XXXX XXXX ( debt collector ) and informed him that until I receive documentation in the mail due to my settlement being defaulted. All payments would be placed on hold. Mr. XXXX informed me that it was noted to provide me with the documents as well as review my settlement agreement to determine what could be done. \n\nI would like to also add that in the first 3 months of making my payments, I could never go on the website as it would not allow me access, so I had to contact a representative to make my payment of {$120.00}. After three months the service was up and working. Almost 3 months left to making my final payment, they decide to put my account in settlement default and request an additional {$240.00}. \n\nIm not sure exactly what their goal or plan was however, as a customer in good standing, I believe I am entitled to the documentation that I should have received when the agreement was first put in place. However, you will see that with every conversation, I noted the amount indicated to settle. I also believe that if I have been faithful with making my payments then why the settlement default. In XX/XX/XXXX, I was receiving calls from XXXX, however upon my returning there call they stated we can not speak with you as we do not have your loan. I then contacted Rausch Sturm and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XX/XX/XXXX. The debt collector argued with me that she didnt know what the payment was going towards to that comment, I was puzzled. \n\nIt has been very stressful and time consuming trying to settle this debt, it has been affecting my health and causing XXXX headaches.","date_sent_to_company":"2019-08-09T14:15:57.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"3332671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rausch, Sturm, Israel, Enerson & Hornik, LLP","date_received":"2019-08-07T15:55:52.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I also believe that if I have been faithful with making my payments then why the <em>settlement</em> default. In XX/XX/XXXX, I was receiving calls from XXXX, however upon my returning there call they stated we can not speak with you as we <em>do</em> not have <em>your</em> loan. I then contacted Rausch Sturm and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XX/XX/XXXX."]},"sort":[12.323826,"3332671"]},{"_index":"complaint-public-v1","_id":"11368051","_score":12.264047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Service was supposed to be provided by Experian as part of a data breach settlement, so there was expectation that service would be at least minimal. \n\nOn XX/XX/XXXX, I received an alert that my minor daughter 's SSN was being used in California with a new alias and address on XX/XX/XXXX. A phone number was provided for assistance, which I called and announced it was closed ( presumably for the XXXX holiday ). \n\nI waited some time for them to get back to the office and checked again on XX/XX/XXXX. Upon calling again for the assistance this service is supposed to provide, the system disconnected me. Upon calling again, I spoke to someone briefly who asked for the name, then to put me on hold for \" a few minutes '' while she checked the name. I was then placed on hold and no one ever returned to the call. \n\nAll other information requests I can find about reporting this ask for details, which Experian apparently has, but has blocked out for some reason ( one would think that, inside your own account, you would be able to view your 'own ' name and address? ). \n\nExperian has made it impossible to get information from their service and do not provide options to get the support promised from the service they claim to provide. At least they notified about an issue, but I am left unable to determine any details about the issue to file a report of any kind.","date_sent_to_company":"2025-01-03T21:21:33.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"80122","tags":null,"has_narrative":true,"complaint_id":"11368051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-03T21:07:50.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["All other information requests I can find about reporting this ask for details, which Experian apparently has, but has blocked out for some reason ( one would think that, inside <em>your</em> own account, you would be able to view <em>your</em> 'own ' name and address? ). \n\nExperian has made it impossible to get information from their service and <em>do</em> not provide options to get the support promised from the service they claim to provide."]},"sort":[12.264047,"11368051"]},{"_index":"complaint-public-v1","_id":"5463860","_score":12.261739,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. \n\nI, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. \n\nGlobal Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. \n\nGlobal Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. \n\nGlobal Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. \n\nGlobal Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. \n\nI need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance","date_sent_to_company":"2022-04-18T18:23:48.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"49442","tags":"Servicemember","has_narrative":true,"complaint_id":"5463860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2022-04-18T17:10:14.000Z","state":"MI","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to <em>do</em> his investigation and <em>determines</em> the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either."],"issue":["Struggling to pay <em>your</em> loan"]},"sort":[12.261739,"5463860"]},{"_index":"complaint-public-v1","_id":"2189082","_score":12.250002,"_source":{"product":"Mortgage","complaint_what_happened":"I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. \n\nI also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. \n\nI will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.","date_sent_to_company":"2016-11-02T18:18:09.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Home equity loan or line of credit","zip_code":"765XX","tags":null,"has_narrative":true,"complaint_id":"2189082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-11-01T13:48:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I also want to again complain about not being included in the DOJ <em>settlement</em>. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to <em>determine</em> my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ <em>settlement</em>. \n\nI will also add that B of A 's actions have created a great hardship to me."]},"sort":[12.250002,"2189082"]},{"_index":"complaint-public-v1","_id":"3975138","_score":12.154365,"_source":{"product":"Mortgage","complaint_what_happened":"This title company was referred to us by the lender, XXXX XXXX, with whom we have processes a refinance. Documents were signed last week on XXXX and we were told that after the lender releases the funds to the title company, they will be responsible for paying off our prior loans. The funding date was Monday, XX/XX/XXXX. When the loan was not funded, I called Equity Settlement Services on the afternoon of the XXXX and they said, \" Yes we have the wire from your lender but we do not have the authorization to release the funds. You need to speak with your lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds. He complained to us about the service levels at Equity and said this is the second time he has faced this issue. Our feedback was \" don't refer them as a preferred title company if they are not delivering on the service levels you expect ''. The loan officer said he would call the title company and would likely have to speak to them five times to get this issue resolved. On the XXXX morning, I as the consumer and someone who paid for the services I am supposed to received from Equity Settlement Services called for an update. First issue, they do not pick up their phones. When they do pick up they put you on hold and then transfer you to a voicemail ( this happened 4 times ). On my fifth attempt I was told to speak with XXXX. I asked if XXXX was in the office, they said yes and then I got her voicemail. After my 6th attempt I finally spoke to a receptionist to whom I stated that I was very frustrated by the lack of service and that if I didn't speak to someone, I would file a complaint with the XXXX. Her response to me \" don't threaten us. '' She finally transferred me to XXXX XXXX who told me that she doesn't know exactly why my funds haven't been released but it appears they don't have the release authorization required. She then stated she needed to speak with the funding manager XXXX XXXX to determine what the hold up is. Every day that my loan is not paid off, I am accruing interest. Who is going to pay for this? Me the consumer because the people I paid to take care of this are incapable of following through on their contractual agreement?","date_sent_to_company":"2020-11-25T15:11:34.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"08820","tags":null,"has_narrative":true,"complaint_id":"3975138","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Equity Settlement Services, Inc.","date_received":"2020-11-25T15:05:34.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When the loan was not funded, I called Equity <em>Settlement</em> Services on the afternoon of the XXXX and they said, \" Yes we have the wire from <em>your</em> lender but we <em>do</em> not have the authorization to release the funds. You need to speak with <em>your</em> lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds."],"company":["Equity <em>Settlement</em> Services, Inc."]},"sort":[12.154365,"3975138"]},{"_index":"complaint-public-v1","_id":"5179026","_score":12.123666,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I received the following advisement from Equifax : Claim No. XXXX Dear XXXX XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement and chose to receive free, three-bureau ( Equifax, XXXX, and XXXX ) credit monitoring from XXXX for XXXX years. Implementation of the Settlement was delayed by appeals ; however, the Settlement is now effective because appellate courts have affirmed it. This email provides additional information about the services provided by XXXX as part of the Settlement and how you can enroll. \n\nYou are receiving free membership in XXXX XXXX for XXXX years. You must enroll by XX/XX/2022. \n\nThis service is free for you and provided as a Settlement benefit. You do not need to provide any payment information to enroll and you do not need to cancel the service when it ends. We encourage you to enroll today. \n\n\n\nHOW TO ENROLL : Visit the XXXX XXXX Website : XXXX Enter Your Activation Code : XXXX You must use the above code to enroll by XX/XX/2022 ( your activation code will not work after this date ). \nIf you have questions, need help with Identity Restoration ( either because you were a victim of fraud or identity theft ) because of the Equifax data breach, or would like another way to sign up for XXXX XXXX, please call XXXX customer care team toll-free at XXXX. So that the team may better serve you, please be prepared to provide them with engagement number XXXX so that you may access the XXXX XXXX XXXX XXXX for assistance with fraud or identity theft. For more information on Identity Restoration services, visit www.experianidworks.com/equifaxsettlement. \n\n\n\nYour XXXX XXXX Membership includes : Daily Credit Monitoring* from each of the three nationwide Consumer Reporting Agencies showing key changes to your Consumer Reports ; Automated alerts when new accounts are opened ; inquiries or requests for credit reports are made for the purpose of determining credit ; changes to address ; and negative information ( including delinquencies or bankruptcies ) ; On-demand online access to a copy of your XXXX Consumer Report, updated monthly ; Automated non-credit alerts, using public or proprietary data sources, for example : when certain information is found on suspicious website or the dark web ; when names, aliases, and addresses have been associated with your Social Security Number ; when a payday loan or unsecured credit has been taken or opened using your Social Security Number ; when your information matches information in arrest or criminal court records ; when your information is used for identity authentication ; when your mail has been redirected through the U.S. Postal Service; when banking activity is detected related to new deposit account applications, changes to personal information, and new signers are added to accounts ; and when a balance is reported on your credit line that has been inactive for at least six months ; Up to One Million in Identity Theft Insurance** which provides coverage for certain costs and unauthorized electronic fund transfers ; A customer service center to assist with enrollment, monitoring alerts, disputes, fraud, and other Credit Monitoring Service questions ; Full Identity Restoration Service if you are the victim of fraud or identity theft ( which includes a dedicated identity theft restoration specialist who will provide you with step-by-step assistance, and form letters to contact companies, government agencies, and Consumer Reporting Agencies ), and Child Monitoring Services ( for Class Members under the age of eighteen ). \n\nFor more information about XXXX XXXX, or if you can not register online, please call XXXX toll-free at XXXX. \n\nIf you have any questions about the XXXX, please call the Equifax XXXX XXXX XXXX XXXX at XXXX. \n\nSincerely, Equifax XXXX XXXX XXXX XXXX BUT ... \nAfter numerous calls, I was met with a website that would not reply with my credit report, and when I called the furnished telephone number, 2 times! ; was met with incompetant and unillegigible people on the phone. \nAnd typically disconnected after many, many minutes while being place on hold. \n\nIt seems their response program has been staffed with low level personnel ; who are somewhat incompentant, unknowledgable ; and not able to navigate the terms of the FTC & the CFPB agreeement between the United States Government and Equifax. \n\nHelp? ... or no?","date_sent_to_company":"2022-02-02T23:06:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"5179026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-02T22:52:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["This service is free for you and provided as a <em>Settlement</em> benefit. You <em>do</em> not need to provide any payment information to enroll and you <em>do</em> not need to cancel the service when it ends. We encourage you to enroll today. \n\n\n\nHOW TO ENROLL : Visit the XXXX XXXX Website : XXXX Enter <em>Your</em> Activation Code : XXXX You must use the above code to enroll by XX/XX/2022 ( <em>your</em> activation code will not work after this date )."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Problem getting <em>your</em> free annual credit report"]},"sort":[12.123666,"5179026"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1146,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1146}]}},"product":{"doc_count":1146,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":594,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":591},{"key":"Other personal consumer 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