{"took":702,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15354455","_score":22.61237,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against Servicers and debt collectors JP Morgan Chase and its fully owned subsidiary XXXX XXXX XXXX for insurance fraud ; identify theft ; impersonation ; violations of TILA, RESPA, FDCPA and other misconduct JP Morgan and XXXX are servicers who between XXXX  to present time are servicing my alleged transaction by making payments for my home insurance- without any legal authority and without mandatory disclosure. To cover its presence in non authorized servicing Chase and XXXX impersonate as another - fictitious- company XXXXOn XXXX XXXX Chase dba XXXX  send me a demand to provide them a copy of my home insurance policy by uploading it on XXXX  website According to XXXX Privacy Policy, if I use this website, Chase/XXXX  will collect all my personal information as listed below, which is a text book identity theft. \nChase XXXX  XXXX also threatened to force place its own insurance on me where Chase wants to include a fictitious company XXXX XXXX XXXX, XXXX - who is not my lender and not a representative of any Creditors- as my mortgagee. Which is a text book insurance fraud by Chase for which Chase already paid XXXX XXXX for defrauding customers. \nI demand disclosure from servicers / debt collectors Chase and XXXX who hired and authorized them to make payments for my home insurance, demand me to provide my insurance policy to Chase XXXX and threaten me with force placed insurance with a fake mortgagee. I demand a wet- ink signed authorization form from the Owner of the alleged obligation as mandated by TILA. \nI demand Chase XXXX XXXX to immediately cease and desist any servicing and collection activities until Chase and XXXX provide me proper authorization from the owner of the obligation The personal information that we collect about a specific individual, and the sources we use to collect that personal information, will depend on our relationship or interaction with that individual. During the past twelve ( 12 ) months, we have collected the following categories of personal information : Identifiers, such as name, date of birth, postal address, email addresses, social security number, state identification or drivers license number, passport number, other personal information that may be found on police reports or affidavits ( if such items are needed for claim processing ), and other similar identifiers. \nPersonal information as defined in the California customer records law, such as signature, telephone number, insurance policy or contract number, health or medical information, and financial information such as account number and balance, payment card details including credit and debit card numbers. \nCharacteristics of Protected Classifications under state or federal law, such as XXXX, race, or marital status. \nXXXX XXXX, such as products and services obtained and transaction histories. Depending on the product or service you have with XXXX or a party with whom XXXX has a business relationship, this may include information about : Insurance policies and service plans ( such as policy/plan number and coverage details ) and associated claims. \nA device, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a mobile device international mobile equipment identifier ( XXXX  ) and other device information, or details about a connected device or household product ). \nResidential or commercial property you own or rent. \nBiometric Information, XXXX does not collect, store or transmit biometric information, but some XXXX mobile applications allow you to use the biometric logins such as fingerprints or facial recognition that you have established on your mobile or other devices to access our applications. \nInternet or network activity information, such as IP address, browsing history, and information regarding your interaction with XXXX or non-XXXX websites, mobile applications, or advertisements. \nXXXX data, such as device location, including precise geolocation where necessary to provide the product or service ( including application ) you requested or downloaded and as disclosed to you as part of that product or service purchase and consented to where required by law. \nAudio, electronic, visual and similar information, such as call and video recordings. \nProfessional or employment-related information, such as current or prior employer and related work information ( such as periods of employment ). \nEducation information, such as student records and directory information. \nInferences drawn from any of the above to create a summary about, for example, an individuals preferences and characteristics. However, this information is not used for solely automated decision making. See the section No Profiling below. \nSensitive Information which includes social security, drivers license, state identification card or passport number, precise XXXX, XXXX or XXXX origin, to the extent noted above. In addition, with respect to certain mobile and electronic device services we provide, we may access the following information on your device but only with your consent and only as needed to provide the service : Contact lists, XXXX  messages, call logs, photos, videos, saved files or other documents, and music lists. Remote technical support services of certain devices may involve screen or camera sharing capabilities. When the support session is over, we do not retain information seen on such screens.","date_sent_to_company":"2025-08-18T02:41:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"15354455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-18T02:40:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A <em>device</em>, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a <em>mobile</em> <em>device</em> international <em>mobile</em> equipment identifier ( XXXX  ) and other <em>device</em> information, or details about a <em>connected</em> <em>device</em> or household product ). \nResidential or commercial property you own or rent."],"sub_product":["I <em>do</em> not know"]},"sort":[22.61237,"15354455"]},{"_index":"complaint-public-v1","_id":"15330524","_score":21.597776,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX and XXXX re who hired and authorized Servicer JP Morgan Chase to pay for my home insurance, demand me to upload my home insurance on XXXX  website; and threaten me with forced placed insurance for which JP Morgan and XXXX already paid millions in settlements On XXXX XXXX XXXX receive AI generated unsigned demand from unauthorized Servicer Chase dba XXXX directing me to XXXX owned and operated website where I suppose to upload my home insurance When I looked at XXXX terms of use, it disclosed that XXXX is not only involved in illegal collection and servicing practices and mail and wire fraud, but also illegally collecting all my personal data without any authorization or my consent According to XXXX term of use : This website ( this Site ) is designed and operated by XXXX Information collected from me by XXXX without any disclosure about their servicing activities which is a text book identity theft The personal information that we collect about a specific individual, and the sources we use to collect that personal information, will depend on our relationship or interaction with that individual. During the past twelve ( 12 ) months, we have collected the following categories of personal information : Identifiers, such as name, date of birth, postal address, email addresses, social security number, state identification or drivers license number, passport number, other personal information that may be found on police reports or affidavits ( if such items are needed for claim processing ), and other similar identifiers. \nPersonal information as defined in the California customer records law, such as signature, telephone number, insurance policy or contract number, health or medical information, and financial information such as account number and balance, payment card details including credit and debit card numbers. \nCharacteristics of Protected Classifications under state or federal law, such as XXXX, race, or marital status. \nCommercial Information, such as products and services obtained and transaction histories. Depending on the product or service you have with XXXX or a party with whom XXXX has a business relationship, this may include information about : Insurance policies and service plans ( such as policy/plan number and coverage details ) and associated claims. \nA device, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a mobile device international mobile equipment identifier ( IMEI ) and other device information, or details about a connected device or household product ). \nResidential or commercial property you own or rent. \nBiometric Information, XXXX does not collect, store or transmit biometric information, but some XXXX mobile applications allow you to use the biometric logins such as fingerprints or facial recognition that you have established on your mobile or other devices to access our applications. \nInternet or network activity information, such as IP address, browsing history, and information regarding your interaction with XXXX or non-XXXX  websites, mobile applications, or advertisements. \nGeolocation data, such as device location, including precise geolocation where necessary to provide the product or service ( including application ) you requested or downloaded and as disclosed to you as part of that product or service purchase and consented to where required by law. \nAudio, electronic, visual and similar information, such as call and video recordings. \nProfessional or employment-related information, such as current or prior employer and related work information ( such as periods of employment ). \nEducation information, such as student records and directory information. \nInferences drawn from any of the above to create a summary about, for example, an individuals preferences and characteristics. However, this information is not used for solely automated decision making. See the section No Profiling below.\n\nSensitive Information which includes social security, drivers license, state identification card or passport number, precise geolocation, XXXX or XXXX origin, to the extent noted above. In addition, with respect to certain mobile and electronic device services we provide, we may access the following information on your device but only with your consent and only as needed to provide the service : Contact lists, SMS messages, call logs, photos, videos, saved files or other documents, and music lists. Remote technical support services of certain devices may involve screen or camera sharing capabilities. When the support session is over, we do not retain information seen on such screens. \n\n\n\nXXXXXXXX XXXX XXXX  Class Action Settlement : XXXX and XXXX XXXX XXXX settled a class-action lawsuit for {$140.00} XXXX, which alleged inflated force-placed insurance costs and kickbacks to XXXX. \nJPMorgan Chase XXXX XXXX Class Action Settlement : JPMorgan Chase and XXXX reached a {$300.00} XXXX settlement concerning allegations of forcing homeowners into overpriced insurance and engaging in kickback arrangements. \nXXXX XXXX XXXX XXXX Class Action Settlement : XXXX XXXX and XXXX settled a class-action lawsuit over claims of artificially increased premiums and illegal profits from borrowers in force-placed insurance. \nNew York State Regulatory Actions : The New York Department of Financial Services ( DFS ) investigated XXXX for paying commissions to banks and mortgage servicers, which the DFS alleged incentivized higher-priced policies. XXXX settled with the DFS, agreeing to a {$14.00} XXXX penalty and implementing reforms. \nXXXX XXXX  Class Action Lawsuit : XXXX, its subsidiary XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX were sued in a class action alleging inflated premiums and profits from illegal agreements related to force-placed insurance. \nOther Lawsuits : XXXX has faced other class-action lawsuits regarding force-placed insurance from borrowers associated with various institutions, including XXXX XXXX, XXXX XXXX and XXXX XXXX \nThese legal actions highlight allegations of inflated premiums, kickback schemes, and insufficient benefits for homeowners when force-placed insurance is used","date_sent_to_company":"2025-08-16T14:52:02.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"15330524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-16T14:51:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["A <em>device</em>, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a <em>mobile</em> <em>device</em> international <em>mobile</em> equipment identifier ( IMEI ) and other <em>device</em> information, or details about a <em>connected</em> <em>device</em> or household product ). \nResidential or commercial property you own or rent."],"sub_product":["I <em>do</em> not know"]},"sort":[21.597776,"15330524"]},{"_index":"complaint-public-v1","_id":"15330322","_score":21.597776,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX and XXXX re who hired and authorized Servicer XXXX XXXX XXXX to pay for my home insurance, demand me to upload my home insurance on XXXX  website; and threaten me with forced placed insurance for which XXXX XXXX and XXXX already paid millions in settlements On XXXX XXXX XXXX receive AI generated unsigned demand from unauthorized Servicer XXXX  dba XXXX directing me to XXXX owned and operated website where I suppose to upload my home insurance When I looked at XXXX terms of use, it disclosed that XXXX is not only involved in illegal collection and servicing practices and mail and wire fraud, but also illegally collecting all my personal data without any authorization or my consent According to XXXX term of use : This website ( this Site ) is designed and operated by XXXX Information collected from me by XXXX without any disclosure about their servicing activities which is a text book identity theft The personal information that we collect about a specific individual, and the sources we use to collect that personal information, will depend on our relationship or interaction with that individual. During the past twelve ( 12 ) months, we have collected the following categories of personal information : Identifiers, such as name, date of birth, postal address, email addresses, social security number, state identification or drivers license number, passport number, other personal information that may be found on police reports or affidavits ( if such items are needed for claim processing ), and other similar identifiers. \nPersonal information as defined in the California customer records law, such as signature, telephone number, insurance policy or contract number, health or medical information, and financial information such as account number and balance, payment card details including credit and debit card numbers. \nCharacteristics of Protected Classifications under state or federal law, such as XXXX, race, or marital status. \nCommercial Information, such as products and services obtained and transaction histories. Depending on the product or service you have with XXXX or a party with whom XXXX has a busineXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXervice plans ( such as policy/plan number and coverage details ) and associated claims. \nA device, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a mobile device international mobile equipment identifier ( IMEI ) and other device information, or details about a connected device or household product ). \nResidential or commercial property you own or rent. \nBiometric Information, XXXX does not collect, store or transmit biometric information, but some XXXX mobile applications allow you to use the biometric logins such as fingerprints or facial recognition that you have established on your mobile or other devices to access our applications. \nInternet or network activity information, such as IP address, browsing history, and information regarding your interaction with XXXX or non-XXXX  websites, mobile applications, or advertisements. \nGeolocation data, such as device location, including precise geolocation where necessary to provide the product or service ( including application ) you requested or downloaded and as disclosed to you as part of that product or service purchase and consented to where required by law. \nAudio, electronic, visual and similar information, such as call and video recordings.\n\nProfessional or employment-related information, such as current or prior employer and related work information ( such as periods of employment ). \nEducation information, such as student records and directory information. \nInferences drawn from any of the above to create a summary about, for example, an individuals preferences and characteristics. However, this information is not used for solely automated decision making. See the section No Profiling below.\n\nSensitive Information which includes social security, drivers license, state identification card or passport number, precise geolocation, XXXX or XXXX origin, to the extent noted above. In addition, with respect to certain mobile and electronic device services we provide, we may access the following information on your device but only with your consent and only as needed to provide the service : Contact lists, SMS messages, call logs, photos, videos, saved files or other documents, and music lists. Remote technical support services of certain devices may involve screen or camera sharing capabilities. When the support session is over, we do not retain information seen on such screens. \n\n\n\nXXXXXXXX XXXX XXXX Class Action Settlement : XXXX and XXXX XXXX XXXX settled a class-action lawsuit for {$140.00} XXXX, which alleged inflated force-placed insurance costs and kickbacks to XXXX. \nXXXX XXXX XXXX XXXX Class Action Settlement : XXXX XXXX and XXXX XXXX a {$300.00} XXXX settlement concerning allegations of forcing homeowners into overpriced insurance and engaging in kickback arrangements. \nXXXX XXXX XXXX XXXX Class Action Settlement : XXXX XXXX and XXXX XXXX a class-action lawsuit over claims of artificially increased premiums and illegal profits from borrowers in force-placed insurance. \nNew York State Regulatory Actions : The New York Department of Financial Services ( DFS ) investigated XXXX for paying commissions to banks and mortgage servicers, which the DFS alleged incentivized higher-priced policies. XXXX settled with the DFS, agreeing to a {$14.00} XXXX penalty and implementing reforms. \nXXXX XXXX  XXXX XXXX Lawsuit : XXXX, its subsidiary XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX  were sued in a class action alleging inflated premiums and profits from illegal agreements related to force-placed insurance. \nOther Lawsuits : XXXX has faced other class-action lawsuits regarding force-placed insurance from borrowers associated with various institutions, including XXXX XXXX, XXXX XXXX and XXXX XXXX \nThese legal actions highlight allegations of inflated premiums, kickback schemes, and insufficient benefits for homeowners when force-placed insurance is used","date_sent_to_company":"2025-08-16T14:52:02.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"15330322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2025-08-16T14:36:08.000Z","state":"MI","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["A <em>device</em>, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a <em>mobile</em> <em>device</em> international <em>mobile</em> equipment identifier ( IMEI ) and other <em>device</em> information, or details about a <em>connected</em> <em>device</em> or household product ). \nResidential or commercial property you own or rent."],"sub_product":["I <em>do</em> not know"]},"sort":[21.597776,"15330322"]},{"_index":"complaint-public-v1","_id":"3363769","_score":16.596146,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XX/XX/XXXX, I entered a brick and mortaXXXX corporate XXXX store ( XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX ). Order number : XXXX. I explained to that representative that I was looking to leave mycurrent carrier ( XXXX XXXX XXXX ) and I am bringing my own devices. I told the representative that I did not want to pay over S 185.00 per month for all three devices ( 2 XXXX and 1 XXXX ) and did not want a service commitment. The representative declared that this was not an issue. The representative presented the \" Beyond Unlimited '' plan for XXXX   per month, I mentioned that I am military and the representative declared that I would get an additional discount. Which brought my monthly bill below myobjective price point. I agreed to the unrestricted/open service agreement. Before I signed the purchase receipt, I reviewed the purchase receipt to ensure a service commitment was notrequired. In addition, I verbally confirmed with the representative that I did not have service commitment. The representative confirmed verbally and supported by the purchase receipt. Prior to departing the XXXX XXXX, the representative informed me that I would receive a {$150.00} reward for both XXXX for switching to XXXX. On XXXX XX/XX/XXXX, I received an email confirmation from XXXX, \" We've received your submission for the Switch to XXXX and get {$150.00} promotion. Here are the tracking number ( s ) for the mobile number ( s ) you provided : XXXX & XXXX. '' In XXXX, I received two rewards of {$150.00}. In review of XXXX FAQ Reward Eligibility Requirements located at XXXX XXXX XXXX, the general requirements required that I switch my number from any wireless carrier to a postpaid XXXX account , which I did. Submit required materials within 30 days of activation, which I did. Devices remain activated for 45 consecutive days, which they were. ( Activated XXXX XX/XX/XXXX, deactivated XX/XX/XXXX, 146 consecutive days ), ( reference : XXXX XXXX XXXX ). \n\nOn XXXX XX/XX/XXXX, I received a letter from XXXX XXXX informing me that I owe a debt of {$300.00} dollars. The letter does not disclose the basis for this debt. Therefore, on XXXX XX/XX/XXXX at XXXX, I called the provided number in the letter. I spoke to the customer service representative located at the South Carolina XXXX Call Center. I did not get the representative 's name. I explained to the representative that I received a letter, but did not understand why I have this outstanding debt. The representative reviewed my account and informed me that the debt was for a rebate that required a service commitment of six months. I explained to the representative that I did not sign up for a rebate, nor did I agree or commit to a six-month service agreement, but rather received reward for switching to XXXX and for bringing my own devices, ( provided reference to the XXXX reward receipt ( receipt # s XXXX & and XXXX ). The representative insisted that I had a serviced commitment. At this point, I then requested that the representative transfer me to a supervisor. The representative transferred and connected to a supervisor ( XXXX ) at the above stated Call Center location. I restated the above concern. XXXX repeated what the representative claimed and told me she was unable to assist me further and I should reach out to XXXX Escalation Department. I wrote a letter to the XXXX Escalation Department on XXXX XX/XX/XXXX, provided all of my supporting documents to facts outlined above. I mailed the letter and supporting document to XXXX XXXX Escalation Department, XXXX XXXX XXXX XXXX, NJ XXXX using USPS priority mail, signature required on XXXX XX/XX/XXXX. The letter was delivered and signed for by XXXX XXXX at XXXX on XXXX XX/XX/XXXX. XXXX was non-responsive to my letter. \n\nBased on the facts outlined above, I believe that XXXX has erroneously billed me {$300.00} and I request that XXXX absolve me of this debt. Moreover, to date, XXXX has not provided evidence supporting this debt or a signed contract to that fact ; nor did I directly or indirectly sign a contract or verbally commit to a six-month or any length commitment, other than the 45 days of activation, which was meet. In my opinion, this practice is a bait and switch tactic that misleads the consumer. \n\nOn XXXX XX/XX/XXXX, I entered a brick and mortar  corporate XXXX store ( XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX ). Order number : XXXX. I explained to that representative that I was looking to leave mycurrent carrier ( XXXX XXXX XXXX ) and I am bringing my own devices. I told the representative that I did not want to pay over S 185.00 per month for all three devices ( 2 XXXX and 1 XXXX ) and did not want a service commitment. The representative declared that this was not an issue. The representative presented the \" Beyond Unlimited '' plan for XXXX   per month, I mentioned that I am military and the representative declared that I would get an additional discount. Which brought my monthly bill below myobjective price point. I agreed to the unrestricted/open service agreement. Before I signed the purchase receipt, I reviewed the purchase receipt to ensure a service commitment was notrequired. In addition, I verbally confirmed with the representative that I did not have service commitment. The representative confirmed verbally and supported by the purchase receipt. Prior to departing the XXXX XXXX, the representative informed me that I would receive a {$150.00} reward for both iPhones for switching to XXXX. On XXXX XX/XX/XXXX, I received an email confirmation from XXXX, \" We've received your submission for the Switch to XXXX and get {$150.00} promotion. Here are the tracking number ( s ) for the mobile number ( s ) you provided : XXXX & XXXX. '' In XXXX, I received two rewards of {$150.00}. In review of XXXX FAQ Reward Eligibility Requirements located at XXXX XXXX XXXX, the general requirements required that I switch my number from any wireless carrier to a postpaid XXXX account , which I did. Submit required materials within 30 days of activation, which I did. Devices remain activated for 45 consecutive days, which they were. ( Activated XXXX XX/XX/XXXX, deactivated XX/XX/XXXX, 146 consecutive days ), ( reference : XXXX XXXX XXXX ). \n\nOn XXXX XX/XX/XXXX, I received a letter from XXXX XXXX informing me that I owe a debt of {$300.00} dollars. The letter does not disclose the basis for this debt. Therefore, on XXXX XX/XX/XXXX at XXXX, I called the provided number in the letter. I spoke to the customer service representative located at the South Carolina XXXX Call Center. I did not get the representative 's name. I explained to the representative that I received a letter, but did not understand why I have this outstanding debt. The representative reviewed my account and informed me that the debt was for a rebate that required a service commitment of six months. I explained to the representative that I did not sign up for a rebate, nor did I agree or commit to a six-month service agreement, but rather received reward for switching to XXXX and for bringing my own devices, ( provided reference to the XXXX reward receipt ( receipt # s XXXX & and XXXX ). The representative insisted that I had a serviced commitment. At this point, I then requested that the representative transfer me to a supervisor. The representative transferred and connected to a supervisor ( XXXX ) at the above stated Call Center location. I restated the above concern. XXXX repeated what the representative claimed and told me she was unable to assist me further and I should reach out to XXXX Escalation Department. I wrote a letter to the XXXX Escalation Department on XXXX XX/XX/XXXX, provided all of my supporting documents to facts outlined above. I mailed the letter and supporting document to XXXX XXXX Escalation Department, XXXX XXXX XXXX XXXX, NJ XXXX using USPS priority mail, signature required on XXXX XX/XX/XXXX. The letter was delivered and signed for by XXXX XXXX at XXXX on XXXX XX/XX/XXXX. XXXX was non-responsive to my letter. \n\nBased on the facts outlined above, I believe that XXXX has erroneously billed me {$300.00} and I request that XXXX absolve me of this debt. Moreover, to date, XXXX has not provided evidence supporting this debt or a signed contract to that fact ; nor did I directly or indirectly sign a contract or verbally commit to a six-month or any length commitment, other than the 45 days of activation, which was meet. In my opinion, this practice is a bait and switch tactic that misleads the consumer. \n\nDisputed the debt on XX/XX/XXXX and the debt was released due to the dispute outlined above. XXXX has now resold the debt to Diversified Consultants inc. ( DCI ). Received a phone call from Diversified Consultants inc. ( DCI ) on XX/XX/XXXX trying to collect this unvalidated debt. I explained that this debt was disputed and released, but DCI continues to harass.","date_sent_to_company":"2019-09-09T17:10:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"210XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3363769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2019-09-05T13:25:55.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On XXXX XX/XX/XXXX, I received an email confirmation from XXXX, \" We've received <em>your</em> submission for the Switch to XXXX and get {$150.00} promotion. Here are the tracking number ( s ) for the <em>mobile</em> number ( s ) you provided : XXXX & XXXX. '' In XXXX, I received two rewards of {$150.00}. In review of XXXX FAQ Reward Eligibility Requirements located at XXXX XXXX XXXX, the general requirements <em>required</em> that I switch my number from any wireless carrier to a postpaid XXXX account , which I did."]},"sort":[16.596146,"3363769"]},{"_index":"complaint-public-v1","_id":"8216054","_score":15.883421,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My account was frozen after depositing {$1000.00} in XXXX. \n\nVenmo has told me multiple times that they need to verify my identity. \n\nI sent them the documents they need, they confirmed that they have them and have passed them to the correct team and have needed XXXX days multiple times now for processing. \n\nEach time they have a different excuse ad to why they are taking so long but it always has to do with verifying my ID. \n\nThey confirmed 6 days ago that they have what they need, yet they received your email this morning and sent me another email stating that they need my documents to verify my ID. Which they said a week ago they have and are processing : Venmo, XXXX, XXXX XXXX put on notice after claims payment apps leave consumers vulnerable to fraud XXXX XXXX XXXX logo Wednesday, XX/XX/2024 XXXX Payment app warning after XXXX XXXX says consumers vulnerable to fraud Venmo, XXXX XXXX and XXXX XXXX are leaving consumers vulnerable to fraud, XXXX XXXX Attorney XXXX XXXX alleged. \nXXXX XXXX XXXX  XXXX -- Venmo, XXXX and XXXX XXXX  are leaving consumers vulnerable to fraud that's \" draining bank accounts of significant sums of money, '' XXXX XXXX Attorney XXXX XXXX said in letters to the companies that own those financial apps. He demanded they increase protections. \n\nXXXX 's letters said he was writing \" in response to a growing number of incidents '' involving fraud and theft \" through the exploitation of your company 's mobile financial applications on personal electronic devices such as iPhones. '' Peer-to-peer payment services now handle an estimated {$1.00} XXXX in payments and the district attorney said \" frauds and scams have proliferated '' as usage climbs. \n\nIn the past year, there have been thefts stretching from XXXX XXXX, where several people were robbed of thousands of dollars through Venmo at knifepoint, to XXXX, where a woman had thousands drained from her Venmo after a child asked to use her phone. Similar thefts and robberies have been publicly reported in West Virginia, Louisiana, Illinois, Kansas, Tennessee, Virginia and elsewhere across the United States. \n\n\" These crimes involve an unauthorized user gaining access to unlocked devices and then draining bank accounts of significant sums of money, making purchases with mobile financial applications, and using financial information from the applications to open new accounts, '' XXXX 's letters said. \" Offenders also take over the phone 's security by changing passwords, recovery accounts, and application settings. The ease with which offenders can collect five- and even six-figure windfalls in a matter of minutes is incentivizing a large number of individuals to commit these crimes, which are creating serious financial, and in some cases physical, harm to our residents. '' The district attorney called on Venmo, XXXX and XXXX XXXX to adopt additional security measures, including imposing limits on transactions, requiring secondary verification of up to a day and better monitoring of unusual activity. \n\n\" I am concerned about the troubling rise in illegal behavior that has developed because of insufficient security measures connected with your software and business policy decisions, '' XXXX 's letters said. \n\nHe is requesting meetings with the companies. \n\nXXXX XXXX, the owner of XXXX XXXX and Paypal, the owner of Venmo, did not immediately respond to XXXX XXXX ' request for comment. \n\nReacting to the XXXX XXXX 's comments, a spokesperson for XXXX XXXX XXXX XXXX XXXX, the network operator of XXXX, said the company was \" aware of isolated criminal incidents described in the XXXX XXXX Attorney 's letter. \n\n\n\" Providing a safe and reliable service to consumers is the top priority of XXXX XXXX XXXX XXXX XXXX, the network operator of XXXX, and our XXXX participating banks and credit unions, '' the statement continued. \" As a result of our continued efforts to build on XXXX 's strong foundation of security, less than one tenth of one percent of transactions are reported as fraud or scams, and that percentage keeps getting smaller. '' In the statement, the spokesperson said its network 's \" participating financial institutions are required to reimburse consumers for confirmed fraud claims. Consumers should contact the local authorities and their bank and credit unioXXXX if they were a victim of a crime to begin the claims process. '' Report A Correction Or Typo Copyright 2024 XXXX XXXX XXXX XXXX. \nRelated Topics PERSONAL FINANCE NEW YORK XXXX XXXX & XXXX APP CONSUMER CONSUMER CONCERNS by TaboolaPromoted Links FROM THE WEB You have an update from Venmo : Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. \n\nHello XXXX, XXXX here with Venmo support, following up per my colleague. Thank you for reaching out about the requested documents being submitted. I will provide you with information regarding for your case! \n\nI was able to locate those documents and I do see that the team handling your case has them for review. They will follow up with you via email within XXXX business days from that time. \n\nI hope this information has helped, XXXX and please reach back out to me if there are any other questions and concerns you may have. Thank you for being a loyal Venmo customer and have a wonderful day. \n\nKindly, XXXX H | Venmo Support Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses.\n\nPayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX [ XXXX ] Now today : XXXX You have an update from Venmo XXXX XXXX ( Team Venmo ) Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. \n\nHello XXXX, Thank you for contacting us. \n\nYour account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A recent monthly statement for the card ending in XXXX. \n\nYou can find our Document Upload Form here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name. \n\nIf you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last XXXX digits of your debit card number visible in the transaction section of the statement. \n\nFor your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. \n\nWe appreciate your cooperation and look forward to hearing back from you. \nXXXX XXXX. \nAccount Specialist | Venmo And then strangely and ironically right after receiving this : Venmo, XXXX, XXXX XXXX put on notice after claims payment apps leave consumers vulnerable to fraud XXXX XXXX XXXX logo Wednesday, XX/XX/2024 XXXX Payment app warning after XXXX XXXX says consumers vulnerable to fraud Venmo, XXXX XXXX and Cash App are leaving consumers vulnerable to fraud, XXXX XXXX Attorney XXXX XXXX alleged. \nXXXX NEW YORK XXXX -- Venmo, XXXX and Cash App are leaving consumers vulnerable to fraud that's \" draining bank accounts of significant sums of money, '' XXXX XXXX Attorney XXXX XXXX said in letters to the companies that own those financial apps. He demanded they increase protections. \n\nXXXX 's letters said he was writing \" in response to a growing number of incidents '' involving fraud and theft \" through the exploitation of your company 's mobile financial applications on personal electronic devices such as iPhones. '' Peer-to-peer payment services now handle an estimated {$1.00} XXXX in payments and the district attorney said \" frauds and scams have proliferated '' as usage climbs. \n\nIn the past year, there have been thefts stretching from XXXX XXXX, where several people were robbed of thousands of dollars through Venmo at knifepoint, to XXXX, where a woman had thousands drained from her Venmo after a child asked to use her phone. Similar thefts and robberies have been publicly reported in West Virginia, Louisiana, Illinois, Kansas, Tennessee, Virginia and elsewhere across the United States. \n\n\" These crimes involve an unauthorized user gaining access to unlocked devices and then draining bank accounts of significant sums of money, making purchases with mobile financial applications, and using financial information from the applications to open new accounts, '' XXXX 's letters said. \" Offenders also take over the phone 's security by changing passwords, recovery accounts, and application settings. The ease with which offenders can collect five- and even six-figure windfalls in a matter of minutes is incentivizing a large number of individuals to commit these crimes, which are creating serious financial, and in some cases physical, harm to our residents. '' The district attorney called on Venmo, XXXX and XXXX XXXX to adopt additional security measures, including imposing limits on transactions, requiring secondary verification of up to a day and better monitoring of unusual activity. \n\n\" I am concerned about the troubling rise in illegal behavior that has developed because of insufficient security measures connected with your software and business policy decisions, '' XXXX 's letters said. \n\nHe is requesting meetings with the companies. \n\nXXXX XXXX, the owner of XXXX XXXX and Paypal, the owner of Venmo, did not immediately respond to XXXX XXXX ' request for comment. \n\nReacting to the XXXX XXXX 's comments, a spokesperson for XXXX XXXX XXXX XXXX XXXX, the network operator of XXXX, said the company was \" aware of isolated criminal incidents described in the XXXX XXXX Attorney 's letter. \n\n\n\" Providing a safe and reliable service to consumers is the top priority of XXXX XXXX XXXX XXXX XXXX, the network operator of XXXX, and our XXXX participating banks and credit unions, '' the statement continued. \" As a result of our continued efforts to build on XXXX 's strong foundation of security, less than one tenth of one percent of transactions are reported as fraud or scams, and that percentage keeps getting smaller. '' In the statement, the spokesperson said its network 's \" participating financial institutions are required to reimburse consumers for confirmed fraud claims. Consumers should contact the local authorities and their bank and credit union if they were a victim of a crime to begin the claims process. '' Report A Correction Or Typo Copyright 2024 XXXX XXXX XXXX XXXX. \nRelated Topics PERSONAL FINANCE NEW YORK XXXX XXXX & XXXX APP CONSUMER CONSUMER CONCERNS by TaboolaPromoted Links FROM THE WEB","date_sent_to_company":"2024-01-24T18:25:19.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8216054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-01-24T18:18:07.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Simply leave the last XXXX digits of <em>your</em> debit card number visible in the transaction section of the statement. \n\nFor <em>your</em> privacy and security, please <em>do</em> not reply back to this email with <em>your</em> documents. Once you submit <em>your</em> information through the above link, we will review <em>your</em> case and reply with more information regarding <em>your</em> account. \n\nWe appreciate <em>your</em> cooperation and look forward to hearing back from you. \nXXXX XXXX."],"sub_product":["<em>Mobile</em> or digital wallet"]},"sort":[15.883421,"8216054"]},{"_index":"complaint-public-v1","_id":"21886540","_score":14.810312,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns Robinhood Money LLC 's handling of disputed unauthorized debit card transactions, including a documented violation of the provisional credit requirement under 12 C.F.R. 1005.11 ( c ).\n\nProcedural violation missing provisional credit : On XX/XX/year>, I submitted a written rebuttal of denial decisions issued XX/XX/year> on five disputed transactions totaling {$2400.00}. On XX/XX/year>, Robinhood Support confirmed in writing that \" if it isn't resolved within 10 business days, you will receive a provisional credit in the amount of your dispute. '' The 10-business-day deadline expired XX/XX/year>. No provisional credit has been issued. \n\nOn XX/XX/year>, after calling Robinhood support, I received a written email from Robinhood Support agent Mark ( Case ID XXXX ) confirming the violation. XXXX wrote : \" Because their review isn't complete yet even though it is beyond the 10 days time frame, they haven't issued a provisional credit at this time. '' This is a written admission that Robinhood is past the 10-business-day deadline and has not issued the credit. XXXX also stated provisional credit is conditioned on the disputes team 's review outcome which contradicts 1005.11 ( c ), under which provisional credit is required during an extended investigation, not as a discretionary outcome of one. \n\nOn XX/XX/year>, Robinhood Banking sent five \" Debit Card dispute received '' emails confirming receipt of new dispute filings for each of the four disputed transactions, treating my XX/XX/year> rebuttal as new dispute notices under their system. The 10-business-day investigation period under 12 C.F.R. 1005.11 ( c ) therefore ran from XX/XX/year> and expired Monday, XX/XX/year>. No provisional credit has been issued. \n\nUnderlying disputes denial without addressing merits : The five disputed transactions are : XXXX ( {$1100.00}, XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$400.00} and {$500.00}, both XX/XX/year> ), and XXXX XXXX XXXX XXXX ( {$210.00} charged twice, XX/XX/year> ). Three were processed via XXXX XXXX, excluding XXXX XXXX  which were debit card fraud.\n\nRobinhood denied each dispute on the basis that the transactions were \" authenticated with two factor authentication, App activity. '' This denial reason fails to address whether goods or services were delivered to me as cardholder, which is the controlling question under XXXX chargeback rules and Regulation E. Specifically : The XXXX merchant can not prove delivery. The seller named a recipient XXXX account that returns \" user not found '' on XXXXXXXX XXXX public lookup. The seller 's tracking reference does not resolve. The seller provided two contradicting delivery timestamps. The merchant phone number on the transaction detail does not belong to the seller the actual number holder confirmed in writing that charges are appearing on multiple cardholders ' statements for transactions they did not process. The seller also stated in writing that the purchase \" may have been someone else with access to your device. '' I have no XXXX account. \n\nThe XXXX XXXX merchant has produced no evidence of any goods or services delivered to me.\n\nRobinhood 's own fraud detection system flagged the XXXX XXXX merchant on the same card on XX/XX/year>, sending SMS alerts marked \" Fraud suspected. '' Robinhood can not deny charges to a merchant that its own system identified as fraudulent on the same card on the same day. It was also processed in a fast, fraudulent nature of 2 charges being XXXX both successful and then the attempt multiple times of smaller denominations. \n\nXXXX XXXX authentication concern : On XX/XX/year>, Robinhood Support agent XXXX stated in writing that Robinhood \" can not verify how many mobile wallets are connected to your Robinhood Debit Card at this time. '' Three of the five disputed transactions were processed via XXXX XXXX. Robinhood 's denial rationale \" authenticated with two factor authentication, App activity '' depends on identifying the authenticating device. Robinhood has acknowledged in writing it can not verify which devices hold provisioned tokens for the card. Authentication by a device Robinhood can not identify does not satisfy the burden of proving authorization affirmatively under 12 C.F.R. 1005.6.\n\nWhat I am requesting : What I am requesting : A proper re-investigation that resolves the disputes in my favor and refunds the full disputed amount of {$2400.00}. The merchants involved can not meet the compelling evidence standard required under XXXX chargeback rules to prove the transactions were authorized cardholder purchases with goods or services delivered to me, and Robinhood 's prior denial rationale citing only authentication records does not satisfy its burden of proving authorization affirmatively under 12 C.F.R. 1005.6.\n\nImmediate issuance of provisional credit in the amount of the disputed transactions during any continued investigation, as required under 12 C.F.R. 1005.11 ( c ). This obligation is not discretionary and Robinhood 's own employee has confirmed in writing that the deadline for this credit has passed.\n\nEnforcement action by the Consumer Financial Protection Bureau addressing\nRobinhood Money LLC 's and XXXX XXXXXXXX XXXX XXXX failure to comply with Regulation E in this case. Robinhood has, in writing through its own employee, conditioned a mandatory provisional credit on the discretionary outcome of an investigation, which is a substantive misstatement of 1005.11 ( c ). I am asking that the CFPB review this practice to determine whether it is being applied to other cardholders in similar dispute situations.\n\nBanking services on this account are provided by XXXX XXXX XXXX. I am requesting that XXXX XXXX XXXX  also be notified of this complaint as the chartered bank of record. \n\nCase IDs referenced : XXXX ( original dispute appeal ), XXXX ( XX/XX/XXXX escalation ). More than willing to comply with any additional evidence requests.","date_sent_to_company":"2026-05-05T12:16:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60544","tags":null,"has_narrative":true,"complaint_id":"21886540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2026-05-05T11:30:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["XXXX XXXX authentication concern : On XX/XX/year>, Robinhood Support agent XXXX stated in writing that Robinhood \" can not verify how many <em>mobile</em> wallets are <em>connected</em> to <em>your</em> Robinhood Debit Card at this time. '' Three of the five disputed transactions were processed via XXXX XXXX. Robinhood 's denial rationale \" authenticated with two factor authentication, App activity '' depends on identifying the authenticating <em>device</em>."]},"sort":[14.810312,"21886540"]},{"_index":"complaint-public-v1","_id":"7574054","_score":13.42587,"_source":{"product":"Credit card","complaint_what_happened":"I forgot my password for my Capital One account and they would not reset my password without sending a copy of my Photo ID. I was not willing and since I could not access my account I stopped using the card. They eventually closed my account but keep sending me emails about my account. They said my email is still attached even though the account is closed. They will not stop sending me emails. \n\nYou are now connected and chatting with XXXX. \nXXXX, Hello, this is XXXX, and welcome to our Capital One secure chat service! This chat will be monitored and recorded. \n\nPlease Note : Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows. \nWe have not heard from you. Do you wish to continue to chat? \nWe have not heard from you. Do you wish to continue to chat? \nYou, Hi XXXX, I keep getting emails from y'all but you cancelled my account a few years ago due to lack of use of the card because you would not let me reset my password without sending you my Photo ID. I was not willing to do that so eventually my credit card was closed. Now you won't stop sending me emails. \nXXXX, Good afternoon! Glad to have you on chat. \nLet me just gread through your response. \nYou, The emails don't have a do not subscribe link. \nXXXX, Thank you for bringing this to our attention. I completely understand where you are coming from. \nYou, can you just remove my email from future spam? \nXXXX, Let me check your account here so I can further check how we can best opt out on those e-mail notifications that you're receiving. \nI surely can. What's your e-mail address please? \nYou, XXXX XXXX, Just for me to make sure I am doing the right process for this, you're receiving marketing e-mails from Capital One is that right? \nYou, All emails, it seems like the ones I get consider me a customer still. \nXXXX, Got it. \nOne moment please You, Thank you. : ) XXXX, First, I am making sure that you're not getting any marketing e-mails from Capital One. You're most welcome! \nIve updated your preferences and your request will be processed immediately. Your decision will not apply to campaigns that are currently in progress. \n\nYou have opted out of receiving marketing emails, but you may continue to receive them for the next 10 business days but rest assured after that, you should not receive any marketing e-mails from us. \nSecond, you mentioned you had an account with us. Are you also receiving alerts about that account on your e-mail? \nYou, I got an email to update my account to add texts to avoid fraud XXXX, That's noted. \nYou, XXXX XXXX XXXX Regarding your Capital One account ( s ) Fraud happens fastget notifications ASAP XXXX XXXX XXXX, We noticed youre not currently set up to receive important account alerts via text from us. \nXXXX, I will need to locate that account to make sure we stop those e-mail notifications your receiving about it. \nYou, Great. \nXXXX, Thank you for sharing that. \nTo best assist, I'll just have to verify some information from you so that I can search your account and further help. Okay? \nYou, Sure XXXX, I appreciate it. \nI'll send a secured form here on our chat box. Please click Validate identity below, fill out the information requested and hit submit. \nJust received it. Thank you XXXX. \nYou, The address will be different due to my moving. \nXXXX, That's noted. Thank you I'm now searching for the account. Please stand by. I will get back to you as soon as I have it pulled up. \nYou, Thanks. \nXXXX, You're most welcome. \nYou, Username was probably XXXX XXXX to Remember. \nXXXX, That's fine hun. \nI now have your XXXX account card ending in XXXX. What I noticed on this account is though you haven't used this, you still have your e-mail address attached to it that's why you're still receiving e-mail notifications. \nYou, Interesting. : ) XXXX, Yes so I am checking here the best way for me to make sure this e-mail is removed on your account. \nMay I place you on a brief hold for around 3-4 minutes? \nYou, Yes, thank you. \nXXXX, I greatly appreciate you working with me. Please stand by thank you You, You are great to work with. \nXXXX, Oh that's so sweet of you. This keeps me motivated for the whole day! \nSo what I am now doing is sending this issue with our support group. Kindly stand by for me. \nYou, XXXX  XXXX, Thanks for holding. We're currently now reviewing the account. \nThanks for patiently waiting. I need to ask for you for one more favor. In order for me be able to completely remove the e-mail from the receiving these account alerts, I need to do a verification on my end. \nI hope you still have time for this. Please bear with me. I need to perform some additional verification by sending you a code via text message. May I please have your mobile number? \nYou, XXXX XXXX, Thank you so much. \nI'll try sending a 6-digit code to XXXX. If ever that system won't let me use it, then I may need to try another verification method. \nDisclosure : By providing your mobile number, you consent to receive a one-time text message containing a six-digit code to validate your account. Message and data rates may apply. \n\nYou authorize your wireless carrier to use or disclose information about you and your wireless device, if available, to Capital One or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud. See our Privacy Notice for how we treat your data. \nI've tried sending the code to XXXX but my apologies, I am unable to use it yet for this request. Sometimes this may happen when number is not saved on the account or name/address from mobile carrier does not match the account. \n\nI'll need to try another verification method for this. \nYou, I have a different number now than I used to, that is what caused the whole issue to begin with. \nXXXX, I understand. And that number 's still on file. But this is only for a one time verification so we can get this done. \nI will need to perform some additional verification using a picture of your ID. Its secure and easy to complete. \n\nYou will need : A valid state-issued ID or government-issued drivers license. A cell phone or tablet that can receive text messages and take pictures. \n\nI will send a link via text message to a number of your choosing to XXXX. \nYou, Ha ha. That is why you lost my business. I guess I may just have to file a complaint with the FCC. Not your fault. \nXXXX, I just want to ask first, will it be okay for us to go this verification method? \nYou, Heck no! I explained that in the beginning of this text. \nXXXX, I'm sorry but though I am working with Capital One. As a customer myself, I do understand where you're coming from. \nXXXX XXXX  You, I will provide the FCC proof that I have asked Capital One numerous times to stop harassing me and spamming me and that you won't stop. \nXXXX, One moment please. \nI do understand your point. On our end, even though this is a close account and an old one, before we can make any other changes, we are always required for additional verification. We always would love to ensure that we're on top of our customer 's security. \n\nI also reached out to our team regarding this and this is only for a one time verification. Once completed, we can completely remove the e-mail on the account and this is all done. \nYou, Do you understand how stupid I would be to send me a copy of my ID to stop you from sending me unwanted emails? That is insane! \nXXXX, But I do understand you're decision not to push through on this. I'll leave a note on your account just in case you reach back to us. I was able to stop the marketing e-mails. \nYou, I will be filing a complaint with the FCC. \nXXXX, I do get your point. ID verifications here are not seen by any agents and is reviewed automatically. But again, I won't force you to do something you're not comfortable with. \nYou can also reach our account experts on phone if you have time to check for other available options we have to get the e-mail removed. Here 's our hotline : XXXX, open 24/7","date_sent_to_company":"2023-09-19T19:57:29.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"84010","tags":null,"has_narrative":true,"complaint_id":"7574054","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-19T19:50:44.000Z","state":"UT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["You authorize <em>your</em> wireless carrier to use or disclose information about you and <em>your</em> wireless <em>device</em>, if available, to Capital One or its service provider for the duration of <em>your</em> business relationship, solely to help identify you or <em>your</em> wireless <em>device</em> and to prevent fraud. See our Privacy Notice for how we treat <em>your</em> data. \nI've tried sending the code to XXXX but my apologies, I am unable to use it yet for this request."],"issue":["Closing <em>your</em> account"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[13.42587,"7574054"]},{"_index":"complaint-public-v1","_id":"4027705","_score":11.5078745,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Cash App Support Team, I am highly disappointed with this response overall in this seemingly expedited denial of this support claim, especially under the particular circumstances & along with a mountain of supporting documentation included for this case 's 'resolution ' response ( I've spent quite a while in total on my end, compiling together all of the pertinentinformation to the support case in order to ensure that my due diligence in the situation was completed as accurately as possible ). In light of this particular decision 's outcome though & in a fair turn under the circumstances, I will definitelybe thinking twice going forward before utilizingyour services again in the future due to this outcome overall. I sincerely do believe that under the circumstances that I have gone above & beyond in order to prove definitively & without a shadow of a doubt to your support team, as well as to the other 3rd party mediators involved in situation too as well that I have indeed been scammed out of substantial funds ( in my particular circumstance ) by the holder of the other account ; especially since there are blatantand fully notable documentable evidence examples of account misuses by highly likely legally unauthorized agents on behalf of their account operations. I have been doing all of my due diligence that's feasibly possible for myself under the current set of circumstances, by previously sending off copies of all of my correspondences & supporting documentation findings involved with the situation as a whole to my local law enforcementagency who is The XXXX County North Carolina Sheriff'sOffice ( as well as to other governmental agencies, such as the FBI 's internet related based crime reporting service under the IC3.gov 's web portal informationsubmission system & also too the FTC.gov'sreporting scams & fraud web portal information submission service ), this is all in addition too as well as submitting pertinent information regarding the situation with all of the other related financialagencies & institutions relatedto the matter too accordingly. \nI will be looking forward to hearing back the responses accordingly from the other businesses, organizations, entities, & agencies that are all involved too in the related situation at this point in time, XXXX XXXX XXXX XXXX \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Cash SupportXXXXXXXX XXXX ( 5 hours ago ) tome from : Cash SupportXXXXto : '' XXXX '' XXXX date : XX/XX/2020, XXXXXXXX XXXXsubject : RE : Sending a Payment [ ref : XXXX : ref ] mailed-byXXXXby : cash.appsecurity : Standard encryption ( TLS ) Learn more : Important mainly because you often read messages with this label.Hi there, We compared the transaction you brought to our attention with your account history. We determined that we received the transaction in question from a known device. This device had accessed your Cash App account prior to this event. \n\nBased on this information, we do not have enough evidence to determine the activity was unauthorized and have denied your claim. This concludes our investigation into this claim. \n\nWe recommend speaking with anyone who had access to your device at the time of the transaction. If your phone was lost/stolen during the time of the transaction and you wish to file a police report, Square will cooperate in their investigation. \n\nYou can also share the following contact information below with law enforcement if you choose to file a report : Square , Inc. \nAttn : Compliance Department XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Important note : Square will not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above. \n\nTo further secure your account, we suggest the following security steps : Sign-In Code- Cash App will never request this information outside the app.Security Lock- Enable passcode or Touch ID for every in-app Cash App payment.Personal Identification Number ( PIN ) - Protect it and keep it private.Do not write it on your card or store it with your card.Use a difficult to guess PIN.Do not use sequences ( 1234 ), DOB, SSN, address, phone number, etc.Push Notifications- Enable for every transaction.Virtual Card- Tap your in-app Cash Card to hide its details.Touch ID / Facial Recognition / Passcode- Enable login security on all devices.Each device may vary, please check your device manual for more details.Email Two-Factor Authentication- Enable for an additional layer of security.\n\nPlease note : *Cash App does not have a direct phone number to call. When they are available, you can request a callback from our support team through the in-app Help Center. * Also, Cash App support will never ask you to provide your Sign-In Code, PIN, require you to send a payment, add funds to your balance, make a purchase, or complete a \" test '' transaction of any kind.\n\nThanks, Cash Support ref : XXXX : ref -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Sun XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX 1 day ago ) toabuse, security, Unknown, executiveresolutionsdept, customerservice, Cash Hi XXXX, Thanks very much for gettingback to me accordingly. I will be uploading all of the requested documentation here, as well as the supplemental supporting documentation too for the record. I would also like to hear from someone specifically at CashApp 's legal team side if that's possible under the circumstances for advice on the situationoverall as well. Thanks very much for your time, -XXXX XXXX XXXX \n1. Specifically the following transactions to this account on the following dates & times ( NOTE : I don't know absolutely for sure at this point if the one on XXXX @ XXXX for {$30.00} was trulylegitimate either or not due to in light of the recent circumstances but I'd like to therefore also include it potentiallyin the review process as a side note too overall at this point in time ) : XXXX @ XXXX XXXX for {$150.00} USD with internal identifier as # XXXX ( the note for this transaction says \" for XXXX XXXX XXXX XXXX. \" ). \nThere's an extra note here to be included with this one above because the one transaction that was related to it previously noted below to this beforehand was supposed to have been internally blocked/bounced apparently accoring to his chat messages that he sent me but besides a prompt screen of 'are you sure ' of sorts in the CashApp on the above transaction I was not otherwise notified & I was told by him proxying a supposed support session with you all at CashApp support at the time that I should receive the money that supposedly bounced back to the originating account within 3 business days ; but he adamantly stated to me in writing ( see whole chat conversation in .doc attached documentaion notes ) that he had contacted CashApp support ( & was also contacted via phone ) in order to get his account de-flagged and received the monies. However, all of this could have been false from what I now know under the circumstances, plus too he never ended up actually sending me any of the supporting documentation for this, even after I had specifically requested it to be forwarded to me multipletimes in writing from him because he had so offered to send me a forwarded copy of the support resolution email containing the support instance ID & the employee information that assisted him with this supposed support inquiry from on his side ). \nXXXX @ XXXXXXXX XXXX for {$150.00} USD with internal identifier as # XXXX ( noted as \" for XXXX XXXX from restaurantincident. \" ). \nXXXX @ XXXXXXXX XXXX for {$150.00} USD with internal identifier as # XXXX ( noted as \" for I wish him the best. \" ). \nXXXX @ XXXXXXXX XXXX  for {$40.00} USD with internal identifier as # XXXX ( noted as \" for final out. \" ). \nXXXX @ XXXXXXXX XXXX for {$85.00} USD with internal identifier as # XXXX ( noted as \" for XXXX XXXX  w/ post init hold. \" ). \nXXXX XXXX @ XXXX XXXX for {$50.00} USD with internal identifier as # XXXX ( noted as \" for XXXX XXXX XXXX \" ). \nAnd finally, also potentially for the transaction from XXXX @ XXXXXXXX XXXX  for {$30.00} USD with internal identifier as # XXXX ( noted as \" for bus ticket remainder. \" ) .2.  The itemized transaction amounts are included with the entries above, but the totals are {$660.00} USD when added up. \n3. $ XXXX 4. I do sincerely believe, that at this point in time, and combined with fair supporting documentation in that regard, that I have been scammed by this person, specifically in the form of a relationship type of scam on a macro level & if not just on that level alone, also too a case of a potentially compromised set of broad level accounts and therefore potentially identity theft aspects as well. His XXXX profile & XXXX accounts ( our primary means of communication these days generally ) have been either blocked intentionally from his end or somehow internally suspended on XXXX 's side from what I can tell at the current moment. This is at least what I can tell/see on my end because it errors out & clears off any remaining messages that I attempted to send to hisaccount queue after a certain point. \nMy sincerest apologies as well with the reply delay, there's a LOT of documentation to account for in this case ; also, if there is some duplication here & there with the documentation, my apologies on that as well. \nAlso, if you happen to need the entire native HTML export copies of the XXXX XXXXconversationhistory between me & him vs via a copy & paste to a doc job I can certainly procure that for you with some time, I'm currently doing an whole information archival zip for download on XXXX now & it should be available for me to pull from by the next time that we get in contact with each other if you need to ask for it specifically. \nAll of the files attached should be in common formats for easier review : .jpg ( s ), .png ( s ), .doc ( s ), .xlsx ( s ), & .pdf ( s ).\n\nI have also recently attempted to reach out to my local authorities ( XXXX XXXX NC Sheriff 's Office in this case since I live out in the county vs in the city seat ) via their local sharedXXXX web portal with XXXX PD tosubmit a case record, it isseeminglyerroring out though unfortunately, even after multiple attempts to do so & even using the generic contact us function of the website 's form software errors out too ; If I absolutely had to at thisrate I'll just print everything off documentation & evidence wise & hand deliver it in a large documentstyle envelope to them, our county is still kinda old school in ways like that, even with some technology presence. I remembered that they do have a generic contact email box for inquiries though & will be sending a copy of this initialsubmission to it, hopefully for review accordingly. \nI will also be contacting my connected debit card servicer & accounts bank that's connected to my CashApp 's service ( XXXX XXXX XXXX ) to schedulean arrangement for an individual 's account audit next week at this point in time since I have been scammed multiple times over the last couple of years, including even being personally taken advantage of big time monetarily from a former friend of mine who lived with me for a while when I lived at my XXXX XXXX old house in XXXX NC, but then ended up getting really bad off on XXXX  & then XXXX XXXX from me behind my back all before I finally got the chance to kick him out ( that's also documentable too at this point but on another note for my legal counsel & authorities to sort out ). \nThis entire process and season lately has been really difficult & painful for me overall too because I have lost multiple jobs this year XXXX along with all of my insurances that went along with them since those are so tied up to jobs here in the US under the American benefits system ) during this ongoing covid-19 pandemic crisis era due to both my severe XXXX & XXXX XXXX  deterioration. I have even had to find legal counsel all on my own to apply for XXXX XXXX & to actually have even a slim a chance at even getting it since I'm still classified as very XXXX in chronological age ; as well as going through the processes of applying for my state 's XXXX & XXXXXXXX XXXX programs the most recently. Last year I made my XXXX as my XXXX & XXXX powers of attorney for myself, in a near divination move seeing as how things are at present too. At this current rate I may even need to go into a XXXX agreement too, but that's for all of my legal counsel to decide collectively at this rate cumulatively. I also had a pretty nasty falling out too with a former XXXX of mine in XXXX, right around the time when I ended up with XXXX myself on top of all of that. \n\nThe mobile device that I use is my primary device for CashApp services and is a XXXX XXXX XXXX XXXX with all the latest patches installed from the XXXX XXXX XXXX XXXX XXXX ( with XXXX XXXX  ), & latest system XXXX update. I periodicallyaccess my cash appon one of my many other computers though, I have multiplemodels both laptops & desktops but most if not all of that traffic from all of the devices combined nowadaysat his point should come from my primary XXXX XXXX XXXX XXXX XXXX connection at home @ XXXX : XXXX : XXXX : XXXX & XXXX : XXXX My contact phone numbers are XXXX ( home ) & XXXX ( cell ), and my contact email XXXX Thanks again very much indeed for all of your & your internal team 's time tooongoing that's devoted to this inquiry, Sincerely, -XXXX XXXX. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Sat, XX/XX/2020 at XXXX XXXX  Cash Support XXXX wrote XXXX Hi XXXX, This is XXXX from Cash support. Thanks for reaching out. I understand you are concerned about your Cash App payments. I'll be happy to assist. \n\nBefore we can investigate this payment, please provide the following information for each transaction in question. Without answers to each question, we will be unable to investigate further. \n\n1. Date : 2. Payment amount : 3. Recipient name or $ Cashtag : 4. Reason you are disputing the transaction : In addition, to help us investigate your claim, please provide the following information : Provide the make and model of each device used to access your Cash App : If you would like to speak to Cash App Support over the phone, create a new case and choose the Phone '' under How should we contact you?. \n\nDon't see this option? Depending on volume and wait times, phone support is not always available. If you can't access this feature, we are always available to support you over email. \n\nCash App does not have a phone number that you can call directly, and no one representing Cash App will ever ask for your sign-in code over the phone, on social media, or through any other medium. \n\nIf you have any further questions, feel free to reach out to me directly. I'm here for you. \n\n\nKind Regards, XXXX Cash App Support. \n\nref : XXXX : ref","date_sent_to_company":"2020-12-22T05:05:08.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"286XX","tags":null,"has_narrative":true,"complaint_id":"4027705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2020-12-22T03:37:18.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>mobile</em> <em>device</em> that I use is my primary <em>device</em> for CashApp services and is a XXXX XXXX XXXX XXXX with all the latest patches installed from the XXXX XXXX XXXX XXXX XXXX ( with XXXX XXXX  ), & latest system XXXX update."],"sub_product":["<em>Mobile</em> or digital wallet"]},"sort":[11.5078745,"4027705"]},{"_index":"complaint-public-v1","_id":"8192005","_score":10.410627,"_source":{"product":"Checking or savings account","complaint_what_happened":"Related to Dispute # XXXX dispute was denied as no error, Chime sent an email stating no provisional credit will be given unless the dispute is not resolved. \n\nOn XXXX I ordered a XXXX from XXXX XXXX NJ to XXXX, PA. Upon arrival XXXX driver XXXX insisted I cancel the XXXX on the platform and pay him via XXXX XXXX instead. Services were delivered and rendered for a round trip totaling {$350.00}. This was the initial business transaction and he offered future transportation services. He quoted prices of {$5.00} dollars for taking me anywhere on the island and {$10.00} dollars for local areas off the island, as he was up for hire. His contact info was given. \n\nOn XXXX, via text message I asked his availability and cost of his driver transportation services for one round trip on XXXX to XXXX, XXXX XXXX proposed {$320.00} which was agreed upon with an XXXX for XXXX on XXXX. \n\nOn XXXX, via text message XXXX confirmed the XXXX ETA . I followed up with another service request for XXXX with a one-way ride to XXXX. XXXX proposed a total of {$400.00} for his services for both rides. ( XXXX and XXXX ). An agreement was reached. \n\nAround XXXX on XXXX via text message XXXX requested prior payment for an oil change and be able to take off work early to get a good nights sleep. Via text message, I confirmed his cash app name XXXX and at XXXX XXXX  sent {$400.00} via XXXX XXXX which had referenced the out-of-town trips on XXXX and XXXX. \n\nOn XXXX, XXXX breached the agreement by failing to show up. I called XXXX several times and sent text messages, but I received no response. The text messages I sent reported as being read by XXXX. \n\nI contacted XXXX XXXX regarding the {$400.00} dollar transaction and initiated a dispute reporting his fraud to commit fraud. I was advised an investigation would take place. On XXXX XXXX, my XXXX credit card ending in XXXX was used which allows a credit card dispute to occur if fraud took place. Fraud being defined as services never rendered for the {$400.00} payment. A XXXX XXXX XXXXequest for refund was made to XXXX, who denied it on XXXX at XXXXXXXX XXXX. The fraud was reported but XXXX XXXX stated they were unable to recover the money. There was no XXXX XXXX liability and yet both Chime and XXXX XXXX use XXXX XXXX as the banking institution. \n\nRegarding Dispute # XXXX dispute was denied and processed as a peer-to-peer transaction as per Chime email. \n\nOn my Chime app, the XXXX XXXX transaction was pending, so dispute through the app was not possible. Quite upsetting, I wanted to speak to a person. As I searched the internet looking, I could not find any Chime Customer Service phone numbers to call. Then I found the Chime Customer Service XXXX. The Chime logo was on point and exact. \n\nI called Chime Customer Service and the first phone call I had a male representative answer. I state I want to dispute a charge and the phone call drops which is seen on my call records. Thinking about phone signal issues, I called back, and this representative asks about the dispute I filed earlier today. I told him the phone call dropped. The Chime customer service representative said his name was XXXX and he would be happy to assist me. He gathered the details of what happened regarding the XXXX XXXX transaction. I gave him the police report number to attach to the dispute also. He advised he could see the dispute on XXXX XXXX they had already contacted Chime. \n\nHe seemed knowledgeable, professional, and helpful. He said he was going to send me a text message to the mobile device connected to my Chime account and that I should click on it. From there he would assist me in navigating the platform for the dispute process. I received a text message from XXXX at XXXX XXXX with a please join my session at XXXX XXXX XXXX. I joined. \n\nAs I joined the session, which was on the XXXX XXXX support session with the XXXX code sent via text message. XXXX advised I open the Chime App on my phone. XXXX has access to live data and screen view on my cell phone. The first thing he wanted to do was to confirm all the personal information was still accurate to ensure my account was not compromised. Name, residence, and then he requested we review the transaction history. He asked if anything looked different like home address, phone number etc. \n\nXXXX presented two options option one cancels my current Chime debit card and have another issued in about XXXX to XXXX business days. Or the second option was I could move the money over to a temporary Chime Wallet. XXXX advised everyone has a Chime Wallet when you have a Chime bank account. I was told when disputes are being investigated, checking account balances are moved to a temporary secure holding location. Especially, since I did not want to have my Chime Credit Card cancelled. \n\nAs he explained the process about to take place with the remaining {$230.00} left in my checking account, I thought is seemed odd. However, XXXX assured me he would remain online with me during the complete process resolution process. He knew where everything was in navigating different areas of the Chime mobile app. I was advised to go to pay and type in XXXX XXXX. I asked about the name, and he explained the name XXXX  XXXX was always used. \n\nAs I typed in XXXX XXXX XXXX XXXX, numerous XXXX XXXX names with different numbers came up. I was told to find the XXXX XXXXXXXX because this was the name he assigned to my account. I was instructed the amount needed to be {$230.00}, which I questioned that is everything I have left in my checking account. Before I confirmed Yes, send them {$230.00}, I saw the warning message that I never exchanged money with this person and if they accept the money can not be refunded. I questioned him about this and again he said he completely understood but that message did not apply to Chime Customer Service Reps. I was told not to worry about it and from my Chime Wallet according to the transfer I sent XXXX XXXX XXXX everything left in my checking account. \n\nAfter it was sent, XXXX continued to stay with me. He said he was working on the refund and made a point to tell me that nothing bad happened. He said he was done with the refund, and I needed to check my account again. There was XXXX dollars in my checking account at this time and I told him that I did not see it which he acknowledged. The last thing he instructed me to do was to close the Chime mobile app and reopen it. Once I closed the Chime mobile app, the remote session was disconnected. There was XXXX dollars in my checking account in a matter of XXXX minutes according to the length of the phone call. \n\nWhen the {$400.00} dollar refund did not update, or the {$230.00} dollars return I looked on the Chime Mobile App for a customer service phone number. I found the XXXX phone number to call and report what just happened. I attached the documentation presented by the Impostor Chime Customer Service representative, the fake Chime website detailing Chime customer service, phone records of the calls, and many screenshots supporting what happened. I voiced concern as to what access was given especially because my paycheck is directly deposited into my Chime checking account. Nothing was safe at this time. Even while I spoke with the official Chime Customer Service representative, some of the same phrases she used, XXXX said. Overall, the feeling was unsettling. The phone call lasted XXXX minutes and my Chime bank card was cancelled. \n\nWorried my entire phone was compromised, I made a complaint to XXXX XXXX XXXX XXXX was being used for fraud. I provided them with the phone numbers, the session code given, and text message sent. Then passwords were changed, email addresses were changed. I found the fake Chime Customer Service website I initially called and took a screenshot depicting the XXXXphone number. While writing this complaint, I looked for the same website but did not find it. I was able to find a new Fake website representing to be Chime Customer Service. The message was the exact same in phrasing, setup, and overview. The only difference was the listed phone number which was XXXX ( XXXX ) XXXX. \n\nFinally, I called the XXXX XXXX XXXX XXXX to file a police report reference police report # XXXX. The police officer advised me the evidence I provided is enough to charge XXXX with fraud. The police officer who took the report can be reached via email at XXXX to confirm both report and status. The XXXX XXXX XXXX XXXX main phone number is XXXX  Lastly a report was made to XXXX regarding their driver XXXX for violating the terms and conditions of his XXXX driver agreement demanding a cash payment. I advised them XXXX was using the XXXX platform as a way for a cash side business. These agreements, if like mine, might also result in fraud of collecting cash for services without the services provided. XXXX report XXXX XXXX. \n\nAccording to the Chime website Pay Anyone is listed as a peer-to-peer transaction and is safe and secure. Without a credit card associated with this XXXX XXXX XXXX, the extra step not taken because you are a Chime member is indirectly guaranteeing that if you make a mistake via amount, person, or anything else any means of disputing this transaction will result in no errors found and no refund. \n\nI do not understand how this EFTA and Regulation E does not apply when my Chime Visa Debit card is listed as used in the XXXX XXXX receipt and Chime bank transactions. This needs to be investigated because if Chime is removing or declining access to EFTA and Regulation E with the XXXX XXXX and investigation into how many unauthorized disputed transactions are being denied with no errors. \n\nThe Electronic Fund Transfer Act ( EFTA ) and Regulation E apply to an electronic fund transfer that authorizes a financial institution to debit or credit a consumers account 1. The act also requires financial institutions and electronic fund transfer service providers to create and follow certain procedures when a consumer disputes an electronic fund transfer ( EFT ) 12. \n\nAccording to the Consumer Financial Protection Bureau, person-to-person ( XXXX ) payments can be considered EFTs under Regulation E 1. Any XXXX payment that meets the definition of EFT is covered by the Electronic Fund Transfer Act ( EFTA ) and Regulation E XXXX. XXXX payments that use a consumers debit card to transfer funds, credit-push XXXX payments that transfer funds out of a consumers deposit, prepaid or mobile account, and XXXX debit card pass-through payments are all considered EFTs which are subject to Regulation Es requirements XXXX. \n\nBoth disputed transactions were both meet the definition of Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. The term does not include an electronic fund transfer initiated : The {$230.00} was an unauthorized Electronic Fund Transfer 3. Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. \n\nFake Chime Customer Service Website listing incorrect phone number. \n\nIntentional misrepresentation of being an employee of Chime Intentional use of software to access your account via cellphone. \n\nDeceptive methods to use the pay anyone XXXX transaction which provides no consumer protection. \n\nThe {$400.00} was authorized upon our business agreement and delivery of driver transportation services. When XXXX intentionally refused to answer texts, phone calls and requests for a refund on XXXX XXXX, fraud was committed. Genuinely concerning is the police department said XXXX committed fraud with the evidence I provided to them. This was the same evidence I provided Chime and XXXX XXXX. If the law was broken because of fraud, why is not XXXX XXXX or Chime taking that into consideration? They are allowing illegal deceptive practices to continue without consequence. It makes it worse that XXXX XXXX  is associated with both platforms yet both apps have disclosures for no refunds. Regardless of using a XXXX  debit or credit card. \n\nMisrepresentation of Investment Products or Services XXXX continues to see disputes involving investment trading merchants under Dispute Condition 13.5 ( Misrepresentation ). In some cases when the issuer requests documentation from their cardholder for a dispute, the cardholder has been either locked out or can no longer access their account, making it difficult to support the dispute. \n\nPlease help me understand how I am not granted any consumer protections in either of these scenarios. I took the immediate necessary steps as soon as I realized something was wrong. For neither Chime nor XXXX XXXX to support me when the police department detectives concluded fraud took place is unbelievable. However, I understand there is a lot to these two disputed transactions, but the evidence tells the story of what took place and supports deceptive practices that took place. \n\nMy request is for a full refund totaling {$630.00} to be deposited immediately. Or an explanation of why these disputed transactions were denied. \n\nXXXX complaints were submitted to XXXX  regarding XXXXXXXX XXXX and Chime. \n\nI can't help think Chime is aware the pay anyone transfer feature prevents a debit card from being added to it so any mistake is your own mistake. It is misrepresented as Chime will refund bank errors. I made an immediate complaint but they said no errors were found. I lost all my money in my account with no recourse. We starved for XXXX and XXXX weeks because of these errors. These errors were EFT covered under the XXXX","date_sent_to_company":"2024-01-21T00:05:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"8192005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-01-20T23:41:15.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["He said he was going to send me a text message to the <em>mobile</em> <em>device</em> <em>connected</em> to my Chime account and that I should click on it. From there he would assist me in navigating the platform for the dispute process. I received a text message from XXXX at XXXX XXXX with a please join my session at XXXX XXXX XXXX. I joined. \n\nAs I joined the session, which was on the XXXX XXXX support session with the XXXX code sent via text message. XXXX advised I open the Chime App on my phone."]},"sort":[10.410627,"8192005"]},{"_index":"complaint-public-v1","_id":"3805677","_score":8.065171,"_source":{"product":"Debt collection","complaint_what_happened":"1. USAA has failed to comply with the Fair Debt Collection Act by reporting to the XXXX  XXXX  XXXX  a disputed debt.\n\n2. Our actions were in compliance with the statute, and USAAs actions were not ( such actions are given in detail below ).\n\n3. W was a victim of a mobile banking scam that resulted in a loss of {$2000.00} via the mobile application XXXX, which he reported timely ( with in 24 hours ) to USAA.\n\n4. USAA determined the XXXX was liable for the fraud since his credentials had been breached by his failure to protect them according to the deposit agreement. \n5. Currently, we are not contesting the fraudfinding but ( 1 ) USAAs failure to timely respond to ourrequest for information regarding thefraud teams findings ; ( 2 ) USAAs failure to recognize our rights to dispute the debt based on their failure to justify their fraud findings ; ( 3 ) and publishing/slander while a debt remained disputed. \n6. USAAs automatic reporting to the XXXX XXXX XXXX failed to acknowledge our written notice of dispute of debt made within 30 days of USAAs notification debt/overdrawn and fraud findings. Pursuant to the Fair Debt Collection statute our written notice should have stopped USAAs automatic and internal policy to publish any disputed debt. USAA violated that statute by publishing the disputed claim to a third party, and we are asking USAA to correct this slander. \n7. On XX/XX/XXXX, we received written notice from USAA ( Dated XX/XX/XXXX ) that it had determined our fraud claim in its favor and that the account was overdrawn by {$1900.00}. \n8. On that same morning ( XX/XX/XXXX ), we immediately contacted USAA by phone requesting the information or documents used in making determination which the notice said we were entitled to request. \n9. We were told by USAA we would receive these within 5-7 business days. ( To date we have yet to receive any documents and we only received pertinent information on or about XX/XX/XXXXsee telephone call with XXXX detailed herein ). \n10. During the above mentioned phone calls ( we were disconnect at least twice by USAA employees ), we gave notice that we disagreed with the fraud determination that the employees represented was based upon the fact simply there was deposit of a check made out to XXXX XXXX and a mobile transaction. There was no explanation or information given to us, only conclusory statements of facts of which we were already aware. \n11. We expressed the need to have IP address and location of said mobile transactions, and, were eventually transferred to XXXX in the CEOs office and told that someone would contact us within 3-5 days.\n\n12. On that same afternoon ( XX/XX/XXXX ), XXXX gave written notice that he was contesting the fraud determination by letter delivered to USAA by uploaded onto the web-portal, faxed and US mail. \n13. On XX/XX/XXXX, XXXX  ( XXXX  's parent ) researched the many ways in which fraud can and is committed upon mobile banking customers, finding over 11 different scams and devices used to steal passwords, pins and gain access to accounts. She also found that the standard in the industry to protect consumers requires monitoring of IP addresses, monitoring XXXX and location of transactions, determining locations inconsistent with the user, monitoring unusual patterns of deposit, monitoring endorsements and refusing printed signatures. \n14. USAA had given no indication that it had even performed these any of analytics.\n\n15. On XX/XX/XXXX, XXXX was contacted by XXXX ( she understood him to be from the fraud team, but later learned he was part of the CEOs office ) and told he could not speak with her since she was not on the account. During this call XXXX explained to XXXX the various things that she would expect him to provide to prove their conclusion ( such as IP address, XXXX and location and the analytics mentioned above ). XXXX   instructed that XXXX needed to call his extension and give permission for him to respond to XXXX. \n16. XXXX called immediately, authorizing XXXX to talk with XXXX XXXX did not call XXXX back that day. XXXX never received a message from or spoke with XXXX UNTIL XX/XX/XXXX ( AFTER we had reporting to the matter to CFPB on XX/XX/XXXX ). In fact, XXXX had no messages at all from XXXX or ANYONE at USAA until XX/XX/XXXX. \nXXXX. On XX/XX/XXXX, XXXX submitted a POA for the account and let USAA know she would be acting on XXXX   behalf in his dispute of the fraud ruling and the resulting overdraft debt. The POA was also delivered to USAA by upload, fax and US mail. \n18. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX  called XXXX extension, receiving voicemail each time. She left messages requesting a call back and explaining that we still had no information or documentation from USAA justifying their conclusions as to fraud, and thus causing the disputed debt. She requested the same. \n19. On XX/XX/XXXX, XXXX ( XXXX 's dad ) called XXXX extension, received voicemail and left a message requesting a call back and explanation, information or documentation justifying the fraud determination. \n20. On XX/XX/XXXX, XXXX ( USAA Employee # XXXX ) called Bs cell phone to collect on a debt in which time B informed her that the debt was in dispute, and he wanted to talk to someone about the fraud determination. She was unable to address fraud and continued only to pursue the debt collection NEVER DID ANYONE AT USAA state we had a right to dispute the debt. B terminated the call. \n21. On XX/XX/XXXXXXXX XXXX called and ( despite the fact that every previous phone call she had been told consumers can not be connected with the fraud department ), XXXX with XXXX in the fraud department. XXXX gave the same conclusory information, refused to answer questions regarding the IP address and location of the devices that made the transactions in question. XXXX was transferred to a supervisor who claimed she did not have the IP. She also gave conclusory and outright wrong information. As a result of the lack of information provided by the fraud department, XXXX requested and was transferred to XXXX at the CEOs Member Relations Office who promised to investigate the issue and respond. XXXX never heard rom XXXX ever again, despite the fact XXXX called XXXX again that afternoon, leaving a request for a call back with her colleague, and again later in the month. \n22. On XX/XX/XXXX, we received a letter from USAA addressed to XXXX noticing an overdrawn balance and including a phone number to call for any error. XXXX  called the number and the message said the office was closed at XXXX CT. XXXX  called another USAA number and spoke with XXXX ( XXXX ) explaining that the fraud determination was in dispute and that she was giving notice pursuant to the Fair Debt Collection Act, that the debt was a disputed debt. XXXX was told, in complete contravention of the law, by XXXX, that because USAAs fraud department had already made the decision as to fraud, the debt was collectable and could not be disputed. \n23. On XX/XX/XXXX, XXXX delivered to USAA by web-portal upload, fax and US mail another written notice of disputed claim as to the debt/overdraft. \n24. On XX/XX/XXXX, having received no information or documentation despite numerous requests for the same by phone, chat, upload, fax and mail, we filed a complaint with the Consumer Finance Protection Bureau ( CFPB ) regarding USAAs apparent failure to investigate our fraud claim according to standard practices in the industry and to respond to requests for information regarding the same. \n25. On XX/XX/XXXX ( Friday at XXXX EST ), we received an email from XXXX XXXX USAA Advocacy Advisor that she and her team would investigate the issues raised, leaving her phone number and stating feel free to reach me. XXXX made no reference to the CFPB claim, but given the previous inaction to our repeated requests for information and documentation, we believed the response was due to the CFPB intervention. \n26. On or about XX/XX/XXXX, ( the Monday immediate to XXXX email ) XXXX called XXXX, and received only her voice mail. \n27. At or about XXXX CT on XX/XX/XXXX, XXXX received a voice message from XXXX surprisingly stating that once again he was reaching out about the fraud case, as XXXX had not heard from XXXX prior to this time. Note he gave his extension and availability from XXXX CT ( his message was left 15 min after his availability to receive a return call ). To XXXX surprise he also said, I know weve been back and forth and missed each others calls. Again, this is the first message of any kind received from XXXX since the XX/XX/XXXX telephone call and telephone records support that there has been no conversation received from USAA prior to that time other than those reflected in the narrative above. \n28. The next day on XX/XX/XXXX, at XXXX CT XXXX left a message for XXXX detailing her times available to receive calls that day. J did not receive a call back from XXXX on that day. \n29. On or about XXXX EST on XX/XX/XXXX, XXXX received a call from XXXX XXXX She stated that she could not address the fraud claim, and that her colleague would have to call regarding the fraud claim. She addressed only our concerns of fees and slander of credit as mentioned in the CFPB complaint. She represented that there had been no credit reporting and that we did not need to worry about XXXX credit. She said that XXXX was only placed on some kind of warning list, which XXXX assumed from the conversation was an internal list. Frustrated by the continued lack of answers regarding the fraud disputeXXXX XXXX ended the call. \n30. On XX/XX/XXXX, considering the aforementioned of the lack of forthrightness demonstrated by the USAA employees, XXXX  wanted clarification of the warning list mentioned in the prior conversation and called XXXX asking for a written explanation detailing the list and what impact it would have on XXXX future. None was ever received and in fact all written communication from USAA has never stated that they had reported to the XXXX XXXX XXXX. \n31. On XX/XX/XXXX, we received USAAs letter ( dated XX/XX/XXXX ) informing XXXX it had closed his account due to overdraft. The letter stated for informational purposes. There was no mention of the XXXX XXXX XXXX. \n32. On XX/XX/XXXX, at XXXX CT, XXXX called XXXX and left a message. Since XXXX had failed to call her back, she requesting all information be emailed to her regarding the fraud claim. ( She had no intention of waiting another 41 days before he actually spoke with her as had occurred between XX/XX/XXXX to XX/XX/XXXX ). \n33. On the late afternoon on XX/XX/XXXX, XXXX called to explain USAAs fraud determination. He provided that the transactions in question were in fact from unknown IP address and locations other than XXXX, but because the deposit used a two factor authentication, XXXX must have acted in a way that breached his credentials making the fraud his responsibility. While we do not agree with this, we do not have the time and energy to hire a security expert to prove that two factor authentications can also be hacked. Thus, during the conversation with XXXX, XXXX accepted the fraud determination based on the information provided at that time. Information that was provided for the first time since requested on XX/XX/XXXX. XXXX agreed to pay the debt. XXXX said he could not handle that but would have his colleague, XXXX, to call XXXX about payment of the debt XXXX. On XX/XX/XXXX at XXXX XXXX  ESTXXXX XXXX received a call from XXXX who explained the XXXX XXXX   XXXX which is in fact a publication of the debt to a third party. XXXX responded with the facts of this matter as detailed above. She asserted that the Fair Debt Collection Acts protections were invoked as early as XX/XX/XXXX and again on XX/XX/XXXX. The dispute concerning the debt was ongoing until the aforementioned call from XXXX which provided the information requested. This information was provided only hours prior. Thus, it was USAAs action ( or rather inactions ) that prolonged the dispute. USAA employees led the consumer to believe there was NO recourse available until well after the 45 days had passed, yet there is an internal consumer dispute request form ( apparently the customer must know to ask for it ) .Once USAA responded to our reasonable requests for information standard in the industry for fraud determination, the dispute was resolved, and we agreed to pay the debt. Thus, to publish the debt to a third party was not only unconscionable given USAAs obfuscation and delay, but was also in direct contravention of Federal Law. \n35. XXXX was told again about USAAs policies, and despite the Fair Debt Collection Act, XXXX explained that the action was automatic after 45 days and referenced the deposit agreement. XXXX stated they could do nothing to reverse the reporting. \n36. XXXX showed no willingness to understand that USAAs policies and deposit agreements are not allowed to contravene Federal Lawand essentially said there would be no recourse for the consumer and no rectification by USAA of its violation of the law. \n37. XXXX transferred XXXX to the department that would take payment and clear the debt, and {$1900.00} was paid to USAA to cover the overdraft and fees. \n38. After paying the amount stated above, XXXX asked to speak with someone who could help clear up the XXXX XXXX XXXX and was transferred to several departments. Each department represented to XXXX   that another department was the responsible department until XXXX ended up at the very first department. XXXX was not surprise to receive the complete run around, again. Thus, XXXX asked to speak to someone in the legal department. The call was disconnected, and surprisingly, the USAA employee called XXXX back at XXXX EST, but insisted that there was no way for even USAA employees to reach the legal department. She advised that XXXX would need to bring legal action, have an attorney or subpoena to talk to someone with knowledge about the Fair Debt Collection Act. \n39. On XX/XX/XXXX, we received USAAs letter dated XX/XX/XXXX warning that because the checking account was closed in an overdrawn position, We [ USAA ] may provide information about your account to a consumer reporting agency. This letter was an outright deception as per XXXX with the CEOs office, USAA had already made such a report. \n40. On XX/XX/XXXX at XXXX XXXX  EST, XXXX called concerning this notice and again was told there was nothing to be done. XXXX asked for a call back from a supervisor. \n41. On XX/XX/XXXX at XXXX EST., XXXX received a call from XXXX XXXX a supervisor with USAA XXXX XXXX was the first employee to actually act as if she wanted to help. XXXX actually researched the situation and provided the Fraud/Deposits Consumer Dispute Request Form. [ Why was this not provided on XX/XX/XXXX or at any time during the multiple contacts with USAA regarding this dispute as detailed above? -- see again paragraph 34 ] 42. The fact recounted herein are on record with USAA, as they recorded every conversation. They can further be substantiated by our documents which were previously provided as stated herein. \n43. The actions of USAA have been in contravention of the Fair Debt Collection Act ; and slandered XXXX.USAA is currently threatening slander of Credit ( see USAA letter of XX/XX/XXXX received on XXXX XXXX ) in contravention of the statute. \n44. We expect USAA to comply with Federal Law and reverse any reporting to the XXXX XXXX XXXX or any other third party immediately. To cease and desist any further threatening letters and action","date_sent_to_company":"2020-08-20T13:45:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"29464","tags":null,"has_narrative":true,"complaint_id":"3805677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-08-20T13:25:31.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, XXXX  ( XXXX  's parent ) researched the many ways in which fraud can and is committed upon <em>mobile</em> banking customers, finding over 11 different scams and <em>devices</em> used to steal passwords, pins and gain access to accounts."],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[8.065171,"3805677"]},{"_index":"complaint-public-v1","_id":"3132756","_score":6.9023733,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see the attachments at the end of this complaint the ignorance in the lack of education with these employees over the XXXX XXXX and outright ignorance is quite frankly. How they treat people over the phone As of today with no notice from XXXX XXXX XXXX. \nHere is what they did : Hi XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. \n\nIf you have any questions, please call Account Protection Services at XXXX. \n\nThanks, The Bluebird Team card Account ending in XXXX Hi XXXX XXXX, During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. \n\nAs a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. \n\nAny remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. \n\nIf you have any questions or would like to inquire further, you may write to us at the following address : XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Thanks, The XXXX Team Hi XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account. \n\nWe appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. \n\nDeclaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim. \n\nAs a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit. \n\nWe may take up to 45 days to complete our investigation. \n\nIf you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX. \n\nThanks, The Bluebird Team Has decided to close the account with no proper notice no proof of claim and outright ignorance of this company that is handling issues of compromising of my own account over in the XXXX XXXX  There is no reason to shut the account down no phone calls no nothing they just shut the account down a new card was sent to me within the last month! \n\nMy family I started to use the new card in the old one was stolen by unknow person It's quite frankly mind boggling the way this company operates how they can just shut your account down with no proper notice and they still have not settled the issues from several months ago with my card was hijacked and was stolen!!!! \n\nWe have made over 13 phone calls over the last 6 months there is well over {$500.00} in fraudulent charges on account nobody is done a XXXX thing about it in fact there are so ignorant you fax them and all they do is shut down at your account and keep the money! \n\nNothing they have no idea what you're doing refuse to do there homework and a company like this doing business I strongly recommend it be sanction and shut down immediately!!!!! \nyou put funds in the account and they just lose it!!! \nThe police said o well we can not do a XXXX  thing! \n\nXXXX XXXX XXXX and the Agent are Guilty of the following federal charges AND STATE : S 175.00 Definitions of terms. The following definitions are applicable to this article : 1. \" Enterprise '' means any entity of one or more persons, corporate or otherwise, public or private, engaged in business, commercial, professional, industrial, eleemosynary, social, political or governmental activity. \n2. \" Business record '' means any writing or article, including computer data or a computer program, kept or maintained by an enterprise for evidencing or reflecting its condition or activity. \n3. \" Written instrument '' means any instrument or article, including computer data or a computer program, containing written or printed matter or the equivalent thereof, used for reciting, embodying, conveying or recording information, or constituting a symbol or evidence of value, right, privilege or identification, which is capable of being used to the advantage or disadvantage of some person. \nS 175.05 Falsifying business records in the second degree. A person is guilty of falsifying business records in the second degree when, with intent to defraud, he : 1. Makes or causes a false entry in the business records of an enterprise ; or 2. Alters, erases, obliterates, deletes, removes or destroys a true entry in the business records of an enterprise ; or 3. Omits to make a true entry in the business records of an enterprise in violation of a duty to do so which he knows to be imposed upon him by law or by the nature of his position ; or 4. Prevents the making of a true entry or causes the omission thereof in the business records of an enterprise. Falsifying business records in the second degree is a class A misdemeanor. \nS 175.10 Falsifying business records in the first degree. A person is guilty of falsifying business records in the first degree when he commits the crime of falsifying business records in the second degree, and when his intent to defraud includes an intent to commit another crime or to aid or conceal the commission thereof. Falsifying business records in the first degree is a class E felony. \nS 175.15 Falsifying business records ; defense. In any prosecution for falsifying business records, it is an affirmative defense that the defendant was a clerk, bookkeeper or other employee who, without personal benefit, merely executed the orders of his employer or of a superior officer or employee generally authorized to direct his activities. \nS 175.20 Tampering with public records in the second degree. A person is guilty of tampering with public records in the second degree when, knowing that he does not have the authority of anyone entitled to grant it, he knowingly removes, mutilates, destroys, conceals, makes a false entry in or falsely alters any record or other written instrument filed with, deposited in, or otherwise constituting a record of a public office or public servant. \nTampering with public records in the second degree is a Class A misdemeanor.\n\nS 175.25 Tampering with public records in the first degree. A person is guilty of tampering with public records in the first degree when, knowing that he does not have the authority of anyone entitled to grant it, and with intent to defraud, he knowingly removes, mutilates, destroys, conceals, makes a false entry in or falsely alters any record or other written instrument filed with, deposited in, or otherwise constituting a record of a public office or public servant. Tampering with public records in the first degree is a class D felony. \nS 175.30 Offering a false instrument for filing in the second degree. A person is guilty of offering a false instrument for filing in the second degree when, knowing that a written instrument contains a false statement or false information, he offers or presents it to a public office or public servant with the knowledge or belief that it will be filed with, registered or recorded in or otherwise become a part of the records of such public office or public servant. Offering a false instrument for filing in the second degree is a class A misdemeanor. \nS175.35 Offering a false instrument for filing in the first degree. A person is guilty of offering a false instrument for filing in the first degree when : 1. knowing that a written instrument contains a false statement or false information, and with intent to defraud the state or any political subdivision, public authority or public benefit corporation of the state, he or she offers or presents it to a public office, public servant, public authority or public benefit corporation with the knowledge or belief that it will be filed with, registered or recorded in or otherwise become a part of the records of such public office, public servant, public authority or public benefit corporation ; or 2. ( a ) he or she commits the crime of offering a false instrument for filing in the second degree ; and ( b ) such instrument is a financing statement the contents of which are prescribed by section 9-502 of the uniform commercial code, the collateral asserted to be covered in such statement is the property of a person who is a state or local officer as defined by section two of the public officers law or who otherwise is a judge or justice of the unified court system, such financing statement does not relate to an actual transaction, and he or she filed such financing statement in retaliation for the performance of official duties by such person. Offering a false instrument for filing in the first degree is a class E felony.\n\nFEDERAL BANKING CRIMES 18 USC 4 - Misprision of felony Whoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both.\n\n18 USC 225 - Continuing financial crimes enterprise ( a ) Whoever ( 1 ) organizes, manages, or supervises a continuing financial crimes enterprise ; and ( 2 ) receives {>= $1,000,000} or more in gross receipts from such enterprise during any 24-month period, shall be fined not more than {>= $1,000,000} if an individual, or {>= $1,000,000} if an organization, and imprisoned for a term of not less than 10 years and which may be life.\n\n( b ) For purposes of subsection ( a ), the term continuing financial crimes enterprise means a series of violations under section 215, 656, 657, 1005, 1006, 1007, 1014, 1032, or 1344 of this title, or section 1341 or 1343 affecting a financial institution, committed by at least 4 persons acting in concert.\n\n18 USC 215 - Receipt of commissions or gifts for procuring loans ( a ) Whoever ( 1 ) corruptly gives, offers, or promises anything of value to any person, with intent to influence or reward an officer, director, employee, agent, or attorney of a financial institution in connection with any business or transaction of such institution ; or ( 2 ) as an officer, director, employee, agent, or attorney of a financial institution, corruptly solicits or demands for the benefit of any person, or corruptly accepts or agrees to accept, anything of value from any person, intending to be influenced or rewarded in connection with any business or transaction of such institution ; shall be fined not more than {>= $1,000,000} or three times the value of the thing given, offered, promised, solicited, demanded, accepted, or agreed to be accepted, whichever is greater, or imprisoned not more than 30 years, or both, but if the value of the thing given, offered, promised, solicited, demanded, accepted, or agreed to be accepted does not exceed {$1000.00}, shall be fined under this title or imprisoned not more than one year, or both.\n\n[ ( b ) Transferred ] ( c ) This section shall not apply to bona fide salary, wages, fees, or other compensation paid, or expenses paid or reimbursed, in the usual course of business.\n\n( d ) Federal agencies with responsibility for regulating a financial institution shall jointly establish such guidelines as are appropriate to assist an officer, director, employee, agent, or attorney of a financial institution to comply with this section. Such agencies shall make such guidelines available to the public.\n\n18 USC 241 - Conspiracy against rights If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.\n\n18 USC 656 - Theft, embezzlement, or misapplication by bank officer or employee Whoever, being an officer, director, agent or employee of, or connected in any capacity with any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 orsection 25 ( a ) [ 1 ] of the Federal Reserve Act, or a receiver of a national bank, insured bank, branch, agency, or organization or any agent or employee of the receiver, or a Federal Reserve Agent, or an agent or employee of a Federal Reserve Agent or of the Board of Governors of the Federal Reserve System, embezzles, abstracts, purloins or willfully misapplies any of the moneys, funds or credits of such bank, branch, agency, or organization or holding company or any moneys, funds, assets or securities intrusted to the custody or care of such bank, branch, agency, or organization, or holding company or to the custody or care of any such agent, officer, director, employee or receiver, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both. \n\nAs used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank and trust company which has become a member of one of the Federal Reserve banks ; insured bank includes any bank, banking association, trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 of the Federal Deposit Insurance Act.\n\n18 USC 657 - Lending, credit and insurance institutions Whoever, being an officer, agent or employee of or connected in any capacity with the Federal Deposit Insurance Corporation, National Credit Union Administration, any Federal home loan bank, the Federal Housing Finance Agency , Farm Credit Administration, Department of Housing and Urban Development, Federal Crop Insurance Corporation, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, or the Farm Credit System Insurance Corporation, a Farm Credit Bank, a bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States or any institution, other than an insured bank ( as defined in section 656 ), the accounts of which are insured by the Federal Deposit Insurance Corporation, or by the National Credit Union Administration Board or any small business investment company, or any community development financial institution receiving financial assistance under the Riegle Community Development and Regulatory Improvement Act of XXXX, and whoever, being a receiver of any such institution, or agent or employee of the receiver, embezzles, abstracts, purloins or willfully misapplies any moneys, funds, credits, securities or other things of value belonging to such institution, or pledged or otherwise intrusted to its care, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount or value embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both. \n\n18 USC 1005 - Bank entries, reports and transactions Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 orsection 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. \nAs used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 ( w ) ( 1 ) of the Federal Deposit Insurance Act.\n\n18 USC 1006 - Federal credit institution entries, reports and transactions Whoever, being an officer, agent or employee of or connected in any capacity with the Federal Deposit Insurance Corporation, National Credit Union Administration, any Federal home loan bank, the Federal Housing Finance Agency , Farm Credit Administration, Department of Housing and Urban Development, Federal Crop Insurance Corporation, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, or the Farm Credit System Insurance Corporation, a Farm Credit Bank, a bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States or any institution, other than an insured bank ( as defined in section 656 ), the accounts of which are insured by the Federal Deposit Insurance Corporation, or by the National Credit Union Administration Board or any small business investment company, with intent to defraud any such institution or any other company, body politic or corporate, or any individual, or to deceive any officer, auditor, examiner or agent of any such institution or of department or agency of the United States, makes any false entry in any book, report or statement of or to any such institution, or without being duly authorized, draws any order or bill of exchange, makes any acceptance, or issues, puts forth or assigns any note, debenture, bond or other obligation, or draft, bill of exchange, mortgage, judgment, or decree, or, with intent to defraud the United States or any agency thereof, or any corporation, institution, or association referred to in this section, participates or shares in or receives directly or indirectly any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such corporation, institution, or association, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.\n\n18 USC 1007 - Federal Deposit Insurance Corporation transactions Whoever, for the purpose of influencing in any way the action of the Federal Deposit Insurance Corporation, knowingly makes or invites reliance on a false, forged, or counterfeit statement, document, or thing shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.\n\n18 USC 1014 - Loan and credit applications generally ; renewals and discounts ; crop insurance Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of the Federal Housing Administration, the Farm Credit Administration, Federal Crop Insurance Corporation or a company the Corporation reinsures, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, any Farm Credit Bank, production credit association , agricultural credit association, bank for cooperatives, or any division, officer, or employee thereof, or of any regional agricultural credit corporation established pursuant to law, or a Federal land bank, a Federal land bank association, a Federal Reserve bank, a small business investment company, as defined in section 103 of the Small Business Investment Act of 1958 ( 15 U.S.C. 662 ), or the Small Business Administration in connection with any provision of that Act, a Federal credit union, an insured State-chartered credit union, any institution the accounts of which are insured by the Federal Deposit Insurance Corporation,, [ 1 ] any Federal home loan bank, the Federal Housing Finance Agency, the Federal Deposit Insurance Corporation, the Farm Credit System Insurance Corporation, or the National Credit Union Administration Board, a branch or agency of a foreign bank ( as such terms are defined in paragraphs ( 1 ) and ( 3 ) of section 1 ( b ) of the International Banking Act of XXXX XXXX, an organization operating under section 25 orsection 25 ( a ) [ 2 ] of the Federal Reserve Act, or a mortgage lending business, or any person or entity that makes in whole or in part a federally related mortgage loan as defined in section 3 of the Real Estate Settlement Procedures Act of XXXX, upon any application, advance, discount, purchase, purchase agreement, repurchase agreement, commitment, loan, or insurance agreement or application for insurance or a guarantee, or any change or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefor, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. The term State-chartered credit union includes a credit union chartered under the laws of a State of the United States, the District of Columbia, or any commonwealth, territory, or possession of the United States.\n\n18 USC 1021 - Title records Whoever, being an officer or other person authorized by any law of the United States to record a conveyance of real property or any other instrument which by such law may be recorded, knowingly certifies falsely that such conveyance or instrument has or has not been recorded, shall be fined under this title or imprisoned not more than five years, or both.\n\n18 USC 1032 - Concealment of assets from conservator, receiver, or liquidating agentWhoever ( 1 ) knowingly conceals or endeavors to conceal an asset or property from the Federal Deposit Insurance Corporation, acting as conservator or receiver or in the","date_sent_to_company":"2019-01-24T10:12:21.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"14228","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3132756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-01-24T09:32:23.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Declaration of Fraud Form Secure Document Upload : You can securely send <em>your</em> documents using <em>your</em> desktop or supported <em>mobile</em> <em>device</em> by : Clicking here Logging in with <em>your</em> account credentials and Uploading <em>your</em> documents If a response is not received or it is incomplete, we may be unable to verify <em>your</em> claim. \n\nAs a reminder, it is <em>required</em> we receive <em>your</em> Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim."],"issue":["Closing <em>your</em> 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