{"took":382,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13338463","_score":19.47105,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since XX/XX/XXXX I have not been able to access the XXXX feature using SoFi the first time I tried to enroll. It gave me an error message saying I could not use XXXX until I received a qualifying direct deposit. I then received a direct deposit for my employer for over {$2000.00} which was then confirmed by a SoFi agent as a qualified direct deposit. Once that qualified deposit hit, I still was unable to access the XXXX feature only this time it was telling me that they were unable to verify my identity and for my protection the feature was temporarily unavailable. It is now XX/XX/XXXX and I still am getting that same error message despite having several paychecks deposited into this account every time I contact so far I get a different answer first, I was told That I could not access the feature due to a block because I attempted to create an account too many times, even though I was never given the option to enroll in XXXX in the first place. Then I was told to contact XXXX directly, which I did do and they told me they were unable to assist me due to it being an issue with XXXX through my bank, and say that I needed to contact my bank directly to rectify the issue. I submitted a ticket through SoFis customer service to their back office team to again try to rectify the issue a month went by with no follow up and I had to call them just to be told the ticket was closed, and there were no notes on the ticket so a second ticket was submitted after again confirming that I met the criteria to be able to access XXXX I was been told That XXXX was just unavailable for me however, I currently utilize XXXX through XXXX XXXX. I also utilize it through my bank that I used prior to SoFi, which is XXXX XXXX got rid of zoo in XX/XX/XXXX and advised their customers of this in XX/XX/XXXX, which is what made me switch to SoFi in the first place. I never had any issues only with SoFi. Every CFPB complaint I have submitted was given a generic response from their higher ups. I wan na also note that I have not ever been able to utilize the credit monitoring feature through so far as well, which makes me concerned with the fact that I keep getting this error message about my identity, not being able to be verified. If that was the case how is my direct deposit coming into this account twice a month? To me it feels like so far does not know how to rectify the issue within their system so instead of doing was right and correcting the issue they just want me to cut my losses fast-forward to today when I called customer service I spoke to a representative who is in the US and was very helpful. He is the one who told me thatthere were derogatory marks on my account and that is why it was denied. I do want to note that every time I speak to a representative offshores I I get the runaround transferred to several representatives before finding a resolution compare to when I speak to representatives that are on shore. I am giving the most information that appears to be more helpful. Today I was hung up on by three account managers at SoFi because they did not want to be held accountable for trying to shove me off on XXXX after telling them multiple times they will not assist anyone who is having issues with XXXX services through their bank directly despite this They continue to try to push me off to them. I am submitting this very detailed complaint this time because I want SoFi to speak to the fact that all of these tickets were submitted and yet I was never given any follow up any straight answer and why I keep getting this generic Response that my identity was unable to be verified. I am more than willing to submit copies of my drivers license photo ID or Social Security card if needed to assist so far with verifying my information I want a clear answer on why I am being shut down by XXXX through SoFi.","date_sent_to_company":"2025-05-05T23:27:40.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"13338463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-05-05T23:16:22.000Z","state":"OH","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["It is now XX/XX/XXXX and I still am getting that same <em>error</em> <em>message</em> <em>despite</em> <em>having</em> <em>several</em> <em>paychecks</em> <em>deposited</em> into this account every time I contact so far I get a different answer first, I was told That I could not access the feature due to a block because I attempted to create an account too many times, even though I was never given the option to enroll in XXXX in the first place."]},"sort":[19.47105,"13338463"]},{"_index":"complaint-public-v1","_id":"13362183","_score":19.40477,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Since XX/XX/XXXX I have not been able to access the Zelle feature using XXXX the first time I tried to enroll. It gave me an error message saying I could not use Zelle until I received a qualifying direct deposit. I then received a direct deposit for my employer for over {$2000.00} which was then confirmed by a XXXX agent as a qualified direct deposit. Once that qualified deposit hit, I still was unable to access the Zelle feature only this time it was telling me that they were unable to verify my identity and for my protection the feature was temporarily unavailable. It is now XX/XX/XXXX and I still am getting that same error message despite having several paychecks deposited into this account every time I contact so far I get a different answer first, I was told That I could not access the feature due to a block because I attempted to create an account too many times, even though I was never given the option to enroll in Zelle in the first place. Then I was told to contact Zelle directly, which I did do and they told me they were unable to assist me due to it being an issue with Zelle through my bank, and say that I needed to contact my bank directly to rectify the issue. I submitted a ticket through XXXX customer service to their back office team to again try to rectify the issue a month went by with no follow up and I had to call them just to be told the ticket was closed, and there were no notes on the ticket so a second ticket was submitted after again confirming that I met the criteria to be able to access Zelle I was been told That Zelle was just unavailable for me however, I currently utilize Zelle through XXXX XXXX. I also utilize it through my bank that I used prior to XXXX, which is XXXX XXXX got rid of XXXX  in XX/XX/XXXX and advised their customers of this in XX/XX/XXXX, which is what made me switch to XXXX in the first place. I never had any issues only with XXXX. Every CFPB complaint I have submitted was given a generic response from their higher ups. I wan na also note that I have not ever been able to utilize the credit monitoring feature through so far as well, which makes me concerned with the fact that I keep getting this error message about my identity, not being able to be verified. If that was the case how is my direct deposit coming into this account twice a month? To me it feels like so far does not know how to rectify the issue within their system so instead of doing was right and correcting the issue they just want me to cut my losses fast-forward to today when I called customer service I spoke to a representative who is in the US and was very helpful. He is the one who told me thatthere were derogatory marks on my account and that is why it was denied. I do want to note that every time I speak to a representative offshores I I get the runaround transferred to several representatives before finding a resolution compare to when I speak to representatives that are on shore. I am giving the most information that appears to be more helpful. Today I was hung up on by three account managers at XXXX because they did not want to be held accountable for trying to shove me off on Zelle after telling them multiple times they will not assist anyone who is having issues with Zelle services through their bank directly despite this They continue to try to push me off to them. I am submitting this very detailed complaint this time because I want XXXX to speak to the fact that all of these tickets were submitted and yet I was never given any follow up any straight answer and why I keep getting this generic Response that my identity was unable to be verified. I am more than willing to submit copies of my drivers license photo ID or Social Security card if needed to assist so far with verifying my information I want a clear answer on why I am being shut down by Zelle through XXXX.","date_sent_to_company":"2025-05-06T13:22:25.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"13362183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-05-06T13:18:43.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is now XX/XX/XXXX and I still am getting that same <em>error</em> <em>message</em> <em>despite</em> <em>having</em> <em>several</em> <em>paychecks</em> <em>deposited</em> into this account every time I contact so far I get a different answer first, I was told That I could not access the feature due to a block because I attempted to create an account too many times, even though I was never given the option to enroll in Zelle in the first place."]},"sort":[19.40477,"13362183"]},{"_index":"complaint-public-v1","_id":"5675515","_score":13.568386,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am one of millions of Americans who is having difficulties managing in the current, economic situation, especially because we are a one-income family due to my spouses unemployment. Can you imagine how much harder things became for me when a check I mailed out to pay a bill for {$75.00} was altered to a much higher amount of {$6500.00}? \nWhen I discovered on XX/XX/XXXX that several checks I mailed had not been cashed, I brought it to the attention of the post office on XXXX XXXX. Three checks ( dated XX/XX/XXXX, see copies of the carbon duplicates attached ) that were mailed on the same day from the same mailbox ( XXXX and XXXX XXXX in front of XXXX XXXX XXXX XXXX XXXX ) had not been cashed. I asked the desk clerk at the post office to have someone check into that mailbox as I thought the carrier for that location was failing to pick up mail. The post office employee said nothing. I asked him to please bring it to the attention of his supervisor. At no point did he say I could file a complaint with the postal inspection service. As I left the post office, I dropped off replacement payments into a mail slot for the debtors who had not received the payments I had mailed on XX/XX/XXXX. \nI went to purchase groceries on XX/XX/XXXX and my debit card was declined. I knew I had enough money to cover the {$20.00} in groceries that I went there to purchase. On my way home, I opened my KeyBank app and it showed two overdraft fees and a deposit for {$6500.00}. I had no idea what that deposit was, but I was sure it was a bank error. I called KeyBanks call center and they advised me to go to the local branch on XXXX XXXX in XXXX XXXX to see what was going on. I rushed over to the branch, because it was near closing time. The teller said she knew nothing and couldn't tell what the deposit was. She then asked, \" Did you write a check to someone for {$6500.00}? '' I assured her that I had done no such thing. \nWhy would an attempted withdrawal show as a deposit? The bank had not sent me any notification that a large withdrawal was attempted, and I had enabled that setting. All the teller told me is that it was check # XXXX that had been written for {$6500.00} ( see copy of bank letter dated XX/XX/XXXX, 2nd page of letter shows check # XXXX is for {$6500.00}. ) To make matters worse, the bank returned some of the checks for smaller amounts that could have been covered with the balance I had. \nWith no further information, I went home to look up check # XXXX since I have carbon duplicates of all the checks I write. Check # XXXX was written on XXXX check to the XXXX of XXXX XXXX XXXX XXXX for {$75.00}. I then realized that this check was one of 3 checks missing from the payments that were never cashed that I had dropped at the mailbox on XXXX and XXXX streets. The bank did not give any proof that such a check had been submitted for withdrawal. I could only surmise that the check I wrote to the XXXX of XXXX XXXX for my taxes had been changed to a much higher amount ( and maybe to a different payer? ) I then checked my phone and I saw a message from a number that I did not recognize. There was a message from someone named XXXX from KeyBank about my checking account from the XXXX branch. I discovered the message in the evening, and the bank was closed by then. I returned the call in the form of a voicemail to XXXX using the information that the XXXX XXXX branch had given me about a check for {$6500.00} and reassured him that I had made no such transaction. \nNormally, I do not answer personal calls at work unless it's an emergency. I was having a particularly busy week since my supervisor was out and the duty of finding coverage for absent teachers had fallen to me during a particularly busy week. I spoke to XXXX XXXX the next day and he directed me back to my local branch on XXXX XXXX to have the overdraft charges removed and to close the account and transfer the balance to a new one. He made it seem like a hassle-free process and was very respectful of my situation. I followed XXXX 's advice and visited the XXXX XXXX XXXX XXXX branch. \nOnce I was at my branch, I spoke to the same cashier who I had visited a day earlier and who looked into my account. I asked her to close my account, waive the fees and give me a new account. She said that she couldn't waive my fees because my account was on hold ; furthermore, she couldn't close my account and transfer the balance because only the branch manager could do that, and she was busy with another client. I could only close the account and transfer the balance during business hours if I made an appointment with the branch manager. I told her that I could not miss work on this critical week to transfer a balance. She told me to sit down and wait for her to remove the hold and reverse the fees. While I waited, I went online and opened a new account over the internet. I took whatever checking plan it defaulted to so that I would at least have a new account to transfer my balance to since Branch Manager was not going to help me. After waiting for roughly an hour and a half the cashier who was trying to remove the hold and waive the fees, lost interest in me and tried to hand me off to another cashier who was even less interested in helping me. Between them, a cashiers check was issued for the balance of the account that was going to be closed so that those funds could be deposited in the new account I opened for myself over the internet. Eventually I walked out of the bank with a receipt showing a balance in the new account. The former account was not closed at that time, but the bank sent a confirmation dated XX/XX/XXXX that they were closing the account. \nThe next day I had to cancel the direct deposit of my payroll check to the former account ending in XXXX. The waiting period started for a new debit card and checks. My employer would not allow me set up a direct deposit without a voided check. In the meantime, I received in the mail on XX/XX/XXXX my payroll check which I deposited using a mobile app and the funds were made available the next day. The debit card and checks eventually arrived and I tried to resume normal life. My debtors questioned why I was late paying my bills. I was also concerned that the city would tow my car because the check Id written to them was stolen and they could tow my car, impose tow fees, and my car could possibly be damaged in a towing lot. I used my new debit card to pay that online. \nMy next paycheck arrived on Saturday, XX/XX/XXXX, and I deposited it using the mobile app. This time however, my payroll deposit confirmation was followed by a message that check will be on hold for 7 days : REASONABLE CAUSE TO DOUBT COLLECTABILITY : Deposit monitoring processes identified an area of concern that indicates the item may not be paid. ( See email dated XX/XX/XXXX from KeyBank. ) So, basically, after I had been the victim of someone who stole a check and wrote it for a large amount, I was being penalized despite the fact that the check I deposited was a payroll check from the City of XXXX XXXX ( see copy attached ). \nMonday morning XX/XX/XXXX, I called KeyBanks call center to request that my funds be released given that the deposited check was a payroll check. I was told to call the XXXX XXXX, XXXX XXXX branch. I called the XXXX XXXX branch and the automated message said that \" no one was available right now and to leave a message. '' I called the XXXX XXXX branch again and I spoke a teller and asked them to please release my funds. I was told that XXXX ) the hold was my fault for using a mobile app to make a deposit ; XXXX ) and making such a deposit on a weekend ; XXXX ) she could not remove the hold ; XXXX ) that no one could remove the hold ; XXXX ) there was no manager at the branch. I was then advised to call the XXXX XXXX branch manager. \nI called the XXXX XXXX branch manager as instructed and her phone said that \" she was away on the XX/XX/XXXX but would return on the XXXX and to leave a message and to call another number for immediate help. I then called the number she gave as a number to call for \" immediate help. '' I explained to the person that I was the victim of someone who tried to use my account. The person told me that she could not remove the hold ; that no one could and that there was no branch manager. I called the call center number again and the person told me that releasing the funds was at the discretion of the bank. I asked her name, and she gave me only the first name, which was XXXX and no other information. She asked me to wait while she escalated the call only to disconnect me. I later found a voice mail message from phone number ( XXXX ) XXXX from a XXXX XXXX that was left at XXXX pm who promised to help me get the funds released in a shorter amount of time. He said he was a manager in training and would look into it and would call me tomorrow morning. As of XXXX pm, my payroll deposit has not been released. \nAs I read the results from XXXX about KeyBank \" Today, KeyCorp is based in XXXXXXXX XXXX and we are one of the nation 's largest bank-based financial services companies, with assets of approximately {$180.00} XXXX, '' I know that KeyBank can XXXX {$920.00} to a mom from XXXX XXXX who is just trying to pay her bills and pay the loan on her XXXX XXXX so that the lender doesn't repossess it for having missed XXXX payment. Your bank is not going to go under from releasing {$920.00} from a reliable depositor like the XXXX of XXXX XXXX. \nWhen you decide that you can hold my paycheck and deprive me of my earnings for a week for no justifiable reason, you are showing no respect for me or for my work. I get up in the morning at XXXX am so I can be at work by XXXX am. I have to make sure that all 1600 students at the local public school have a teacher in each classroom and on time. I have earned that pay and you have no right to withhold it from me or my family. Your bank isnt going to go bankrupt because I get the {$920.00} that I earned. I know that you like getting paid for the work that you do and at a higher rate of pay. So please, dont deprive me of the little I get. \nThis is what concerns me about my experience : 1. Inability of bank executives to understand that victims of identity theft face real problems such as not being able to meet financial obligations while they are waiting for direct deposits to activated. A missed car payment can result in a vehicle being repossessed by a lienholder ; or a car to be towed for taxes owed to a municipality. \n2. That KeyBank never provided any proof that someone attempted to deposit a fraudulent check # XXXX for {$6500.00}. Is the bank investigating the parties involved? \n3. That I was never advised to report the incident to the police nor given the required documentation to file a police report. \n4. That the post office took no interest when I notified them that there was a problem with a mailbox at XXXX and XXXX streets in front of a high school. I was never told to file a complaint. \n5. That the call center never answered any questions or provided any solutions other than to telling me to contact my local branch. The call center didnt escalate my call but disconnected me. \n6. That the XXXX XXXX, XXXX XXXX branch did not provide me any proof that someone had submitted a check for {$6500.00} and told me that no proof was available. \n7. That there are no managers available at the bank branches or someone to whom complaints can be escalated and that the employees who are available are not authorized to help customers.\n\n8. That there is only one person who can close an account and transfer a balance and that an appointment has to be made with that one person at their convenience.\n\n9. That KeyBank finds it acceptable to hold a government payroll deposit for 7 days when the XXXX of XXXX XXXX is reliable and has not bounced payroll checks. \n10. That KeyBank find it acceptable to withhold the earning of a person who has done nothing wrong and from whom someone attempted to defraud.","date_sent_to_company":"2022-06-16T01:42:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06511","tags":null,"has_narrative":true,"complaint_id":"5675515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-06-16T01:30:22.000Z","state":"CT","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My next <em>paycheck</em> arrived on Saturday, XX/XX/XXXX, and I <em>deposited</em> it using the mobile app."]},"sort":[13.568386,"5675515"]},{"_index":"complaint-public-v1","_id":"3609224","_score":10.364525,"_source":{"product":"Checking or savings account","complaint_what_happened":"My correspondence with Chase. Parts 1 and 2 PART 1 From : REDACTED Sent : XXXX XX/XX/2020 XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : The Challenges of Joining Chase ( ps I need access to my money! ) XXXX I wanted to write and share my experience of joining Chase as a new customer over the last few days. I understand the challenges of operating in the current period having just helped completely pivot a small business to keep it on track. Ive also previously run large call centers ( XXXX with 5 second call answer standards not banks with 90min call answer standards ) so trust me when I say I know that you can do way better, even in the current circumstances. You have significant resources available to you, judging by your XXXX results, and should clearly be investing more of these to provide better services for your customers. \n\nI opened an account with Chase on Sunday evening, tempted by the offer of a cash reward for doing so. All went well and relatively smoothly, I even managed to navigate the ridiculously complex withdrawal limits at my current bank to transfer sufficient funds to a new checking and savings accounts over the next 20 days to meet all of the hoops required to claim my cash bonus! Today, I transferred {$2500.00} into my account to begin the process and to check everything was working before my first direct deposit from my employer arrives on Friday and disaster struck ... \n\nUpon attempting to login I was informed that my account was locked due to suspicious activity. I dutifully called the number provided and found myself in a queue. Understandable if a little frustrating, but its tough to complain that the bank wants to keep my money secure. \n\nFast forward 4 hours and Ive had a fun evening of hold music and been told several hundred times ( literally, you do the math on the same message every 90 second for four hours ) how important I am by a recorded message, but Ive made no progress. You still have my {$2500.00} and I still have no access to it. My employer has already issued my paycheck to my new account and I have a further deposit in progress that cant be cancelled. That means by Friday if I havent made it through the impenetrable maze youll have $ XXXX of my cash and Ill have no access to this or any ability to pay my bills. That may not be significant to you, having seen the recent bonuses Chase is dishing out to senior execs for performance but to me it is and I actually have a job where I do perform and ensure we provide customer service, but I digress. Back to the story. \n\nAfter waiting over an hour to speak to your fraud department they needed to send me to another department to have my ID verified. Frustrating, as this seems like a basic function and poor system design, but fine. A mere 90 minutes later, salvation! The phone is answered, except Ive been transferred to the wrong department. Despite my protests and explaining the problem Im told that they can only transfer me back to the original department, not to the department I need. Reluctantly, accepting my fate, I rejoin the hold music and reminders every 90 seconds of how important I am, though by now I must confess Im really not feeling all that important. \n\nA further 90 minutes or so later and Im cut off after a brief message telling me to start again if I still need to speak to someone. At XXXX, 4 hours in, worn down, but undeterred with those pesky bills Ill need to pay with the money you are holding hostage, I begin again. Im a little surprised to find a recorded message telling me that the call center closed at XXXX, by my reckoning, a mere 10mins or  so after I was put back in the queue to speak to the person I had started with hours before. So yet more process design failure, though by this point Im expecting this as a standard. \n\nYou may wonder why Im emailing you this saga, not a complaints department or basically anyone of the thousands of other people who should be dealing with the nuisance that is having customers who want to give you money. Well the plot thickens and you guessed it, more awful user and poor process design. It appears that to make a complaint my options are to phone ( hilarious! ) or to login and send a message - yes you guessed - login to the account Im locked out of .... Sheer genius that suggestion. \n\nAs youll see there are a catalogue of user journey errors here which any vaguely competent customer experience or call center team should be able to prevent in designing pathways for customers ( and before you protest, no most of these flaws have absolutely nothing to do with COVID, they are just poor design ). \n\nI look forward to a response from someone able to address these issues with your customer service processes and who can also provide me access to my money. Having seen how siloed functions are in your call centers it may well be that youre the most junior person at the bank with the power to do two such complex tasks. \n\nWhilst having my paycheck immediately isnt life or death,  choosing between paying rent or feeding the kids for me, for many of your customers right now it will be. So please please sort this mess out. If youre unable to do so I would be very happy to approach media outlets and politicians who will be able to help you more clearly see the issues for your customers who dont get multi-million dollar bonuses for performance PART 2 From : REDACTED Sent : XXXX XX/XX/2020 XXXX To : XXXX XXXX XXXX ; XXXX XXXX Cc XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : The Challenges of Joining Chase PARTS 2, 3 & 4 ( ps I STILL need access to my money! ) XXXX Me again. I'm sure you've been waiting with bated breath to hear how I'm getting on. Well today we had rounds two, three and four. No progress yet but I still need access to my money so I'm going to soldier on and will, of course, keep you updated. As I've not received so much as a redirection or out of office in response to my previous message I've gone right ahead and shared details of the saga so far with the CFPB but I don't want you or those copied to miss out on a summary of the awful service you are currently providing ( you'll note the pretend attempt at a response some way down this update - but my effort in rewriting to reflect this call is on par with the effort put into resolving the issue, hint, not even close yet ). \n\nRound 2 - a call with the local branch where I was promised they would speak to the right department and call me right back. Well it's 4 hours on, the branch is closed and no news Round 3 - I thought I'd try your social media support. Very apologetic for the delays but added zero value Round 4 - the dreaded call center loop again and again and again ... \n\nToday I was treated to just 33 minutes of being told on repeat how much you appreciate my business and value the opportunity to serve me before finding a human being. A helpful call center agent, given the direct number should I be cut off for any reason and transferred to the correct department, at least that's what I was promised. A little over 15 minutes after joining the musical interlude provided between departments I was requested to input my account number, odd but who am I to argue with the machine. I'm guessing that an error occurred here in yet another of your wonderfully designed systems but we'll probably never know. Having dutifully found and re-entered all of my details, pressed #, reentered them all again, pressed # again I had the audacity to attempt to press whichever number option would direct me back to a human being. Alas, I asked too much as was promptly cut off. \n\nThankfully, with the trusty direct number to hand I was undeterred and decided to get straight back in there. I wouldn't want to hit the XXXX deadline again, after all I only 4 hours left until that deadline and you have to set aside sufficient time for these calls. Except the direct number was not a direct number, it was the number for another automated filter right back at the start of the journey and another 40 something minutes on hold. \n\nMid hold music, some good news, potentially. A call on my other line from your office to confirm that yesterday 's email had been received. The plan to solve my problem and give me access to my money ... to 'look into it '. No plan, no timeframe, a lackluster apology from an employee who had clearly spent his whole day making these calls, with no news, plan or information, just a poor attempt to make us feel like something was being done. \n\nBack to the call I placed on hold and thankfully I'm still in the queue - 57 minutes since calling and it's answered. The direct number to the right department, you guessed it, was not the right department. A promise to connect me to the right department this time, 4 confirmations from me that it was in fact the right department as the call operative clearly didn't understand my problem the first 3 times. Assurance that it would definitely be the right department as it was noted on my file - so probably the wrong department as everything noted on my file so far was the wrong department but no other options. I ask for the department name and direct number so I can compare notes and maybe skip a step when it inevitably goes wrong. It's an internal number so I can't have it and the department name isn't clear but with no other way forward I take my chances. The anticipation, the potential, but no, I'm disconnected seconds after being put on hold. \n\nWe're now at 90 minutes today and I'm back to the start. The cheery message, as well as reminding me how appreciated my patience is, informs me that the queue is less than fifteen minutes long. I vaguely recall hearing this same promise during one of the many hour plus waits yesterday. \n\n15 minutes sails by ... barely surprised 30 mins ... still not mildly shocked 59 minutes, an answer, to be told again that I'm in the wrong place. I'm told I need the department the department I had the direct dial number for earlier this evening, that I now know wasn't the right department. The call center member of staff is adamant that there is no other possible way of fixing this problem but to talk to the department I had been cut off by 90 minutes before. Yet again I'm certain this is wrong, yes I did already speak to them, yes I did press option 4, but with no other option I have to join the loop again. I hang up, I dial the 'direct ' number, choose option 4, listen to the delightful woman tell me how valued I am and hold for over an hour. By this point, over 4 hours after I started my second day of telephone, it's XXXX. The hold music keeps playing, the kind lady continues to confirm that despite 8 hours on the phone with you over 2 days I am indeed important, but I know that everyone has signed off for the night so I join them. \n\nIf you've made it this far, well done, you have a small fraction of the patience I've displayed the past few days. Like me, you're not at the end though. Another installment follows tomorrow. I look forward to my 4 hour loop to nowhere almost as much as I'm sure you look forward to the next update and the CFPB will be looking forward to their update ... \n\nIf as well as enjoying the story you're wondering what you can do. Some suggestions : Please, please, please change your recorded message. I'm not valued or important and over 400 repetitions of this haven't changed my mind, another 200 tomorrow aren't going to help. Please have her tell me how profusely sorry you are or better yet record a message saying this yourself, if of course you are remotely sorry or even interested. \nPlease hire someone who understand call center design and user experience. You'll have fewer frustrated customers and much better staff morale and retention - they are exhausted and frustrated with this as I am. This stuff isn't easy to fix but having unpicked call center systems and processes in a complete mess at times of crisis in tax payer funded services it can be done and with your resources it can definitely be done and shouldn't have taken five weeks. I'd normally have sent a bill for this much advice, this is gratis if you get your act together. If you need more, I can make myself available, just call the call center and they'll put you right through to me, they all know me now. \nYou can give me access to my account, or frankly at this point just give me my money If you're giving me access to my account, then you can waive the hoops for the sign on bonus that lured me into this trap in the first place. You may recall the careful planning needed to get through the hoops at the best of times from my first dispatch. Well that's now near impossible to achieve with the roadblocks you've added to the process You can stop opening new accounts until you have competent systems and processes. Sure it'll be a hit on revenue, you'll have to forego a bonus, but you'll stop XXXX  over people who can ill afford to be without their money right now I look forward to the next call from your office and hope that this one arrives with a resolution, not an exhausted staffer who has no answers","date_sent_to_company":"2020-04-16T04:30:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"3609224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-16T04:27:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Fast forward 4 hours and Ive had a fun evening of hold music and been told <em>several</em> hundred times ( literally, you do the math on the same <em>message</em> every 90 second for four hours ) how important I am by a recorded <em>message</em>, but Ive made no progress. You still <em>have</em> my {$2500.00} and I still <em>have</em> no access to it. My employer has already issued my <em>paycheck</em> to my new account and I <em>have</em> a further <em>deposit</em> in progress that cant be cancelled."]},"sort":[10.364525,"3609224"]},{"_index":"complaint-public-v1","_id":"10741046","_score":8.476194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX IVE submitted updated drivers license my minor children, DOJ FBI VNS FTC REPORTS CFPB XXXX XXXX ORDERED DOCUMENTS FROM THE JUDGE STAMPED AND SEALED AMENDED BIRTH CERTIFICATE IM BEING RETAILITATED AGAINST DUE TO MY DL SSN NAME ALL CHANGED. My kids and. Sufffered medical malpractice due to misuse of our XXXX TAX FRAUD IVE ATTACHED EVERYTHING DUE TO DEVICES MAILED COMPRMOSED BEFORE I GET THEM IT APPEARS IM THE CRIMINAL THEY REFUSE TO REMOVE THE FRAUD NEGATIVE INFO ON MY REPORT. \nIn recent years, my family and I have been victims of numerous data breaches, fraudulent activities, and ongoing issues with medical, financial, and personal information. We were notified of a medical data breach through XXXX, impacting me and my XXXX children. Since then, I have received no settlement payments from major breaches, including XXXX XXXX, XXXX, Equifax, or Bank XXXX XXXX. Additionally, neither my children nor I have received any victims compensation from the Department of Justice, despite proof of victimization, which I have attached. \nIn XXXX, due to issues with our XXXX, our XXXX numbers were changed in an emergency by the South Carolina XXXX XXXX XXXX. The inspector assigned to the case was XXXX XXXX. After this change, I was accused of XXXX fraud. Initially, officials claimed it was a systematic error but later reversed their stance, suggesting I committed fraud, which I categorically deny. Despite my honesty and record-keeping, this accusation was sent to addresses where suspects, such as my mother XXXX XXXX XXXX XXXX XXXX XXXX ) and my sister, reside. This systematic error negatively impacted my financial situation and my familys stability. The address XXXX XXXX XXXX in XXXX, SC, has been linked to XXXX and other records with fraudulent updates, despite never being associated with me personally. \n\nFurther, in XXXX of this year, unauthorized access to my and my childrens medical and financial records was documented, with information accessed monthly. I have had to repeatedly request the removal of a middle initial mistakenly added to my name on South Carolina XXXX XXXX. Despite assurances each time that it would be corrected, the issue persists. This is compounded by issues with phone numbers linked to breached accounts from XXXX, such as XXXX, XXXX, and XXXX. These breaches and unauthorized uses of my personal information have been verified through phone provider records. \n\nNotably, the Department XXXX XXXX XXXX ( XXXX ) appears connected to some discrepancies. For example, while my XXXX benefits and associated records display my updated legal name, my benefits recertification information was suddenly switched back to my old name without explanation. Despite showing evidence of these discrepancies to officials, my benefit records have been manipulated to misrepresent my identity and financial standing. \n\nSimilarly, changes in records have affected my insurance and federal records. Unauthorized individuals manipulated my XXXX account and benefits, compromising my IP address, email authentication, and even my insurance with XXXX XXXX. Recently, fraudulent XXXX charges appeared on my insurance on XX/XX/XXXX, despite my lack of involvement. \n\nAdditional fraud has involved relatives. For instance, my sons father recently won a settlement of {$190000.00} in XX/XX/XXXX in XXXX, yet child support adjustments have been erratic, likely due to changes in XXXX and health information. XXXX XXXX noted my mothers involvement in our records, despite my request to remove her due to misuse of my information. \n\nIn XXXX, I observed unusual financial XXXX among relatives who were previously in debt but suddenly gained perfect credit. I suspected fraud, involving a XXXX associate and manipulation of XXXX records, which at XXXX point falsely listed me as the owner of a hotel with foreign employees. My former business, XXXX XXXX XXXX, was taken from me after presenting a multi-million-dollar entertainment concept to XXXX XXXX. Following this meeting, my devices were compromised, stolen, and accessed without authorization, severely impacting my career. \n\nMy current employer, XXXX XXXX XXXX, has also mishandled my compensation and benefits. After suffering a XXXX in XX/XX/XXXX, I qualified for medical leave but have yet to receive payment. Similarly, after my emergency hysterectomy in XXXX, I did not receive my full XXXX pay. In XXXX, I was shorted XXXX hours. Equipment issues were frequent, and the company appeared to hinder my ability to work by sending defective towers and assigning me to classes with inadequate resources. At XXXX point, a neighbor brought a box of equipment that XXXX confirmed had been sent to the wrong address by XXXX, compromising my security. Despite following all protocol and returning faulty equipment, the company claimed they had not received it, affecting my employment eligibility. \n\nEarlier this year, I faced issues with Concentrixs recruiter, who falsely claimed I needed a drug test, which I passed. Despite my repeated attempts to follow up, I never received responses or job confirmation. Meanwhile, XXXX unlawfully reported incorrect wages to the Social Security XXXX, resulting in a decrease in my sons XXXX benefits. Furthermore, the XXXX has provided inconsistent information about these reports, adding to our ongoing hardship. \n\nMy and my childrens medical records have also been tampered with. For example, despite having XXXX XXXX XXXX listed in my XXXX XXXX records, my primary care provider has said otherwise, leading to medical misdiagnoses. Billing inconsistencies, such as the erroneous {$80000.00} charges to XXXX for services I never received, illustrate these fraudulent practices. When I reported these discrepancies, the primary care provider unjustly dismissed me from her practice. \n\nOn several occasions, our personal records and belongings have been stolen from our home. Mail theft, unauthorized entries, and missing personal documents are regular occurrences. Recently, when XXXX requested my high school diploma, I discovered it had been stolen, along with my childrens report cards and certifications. \n\nWith evidence of multiple orchestrated financial crimes and unauthorized access to our personal, financial, and medical records by various individuals and organizations, I am seeking immediate action. This includes : XXXX. Changes to my and my childrens names. \nXXXX. Sealing of our medical record numbers, clinical records, and account histories to prevent further misuse. \nXXXX. Investigation into companies involved, including XXXX, XXXX, and other associated agencies. \n\nThese actions, constituting fraud, identity theft, unauthorized access, XXXX violations, discrimination, and retaliation, have created an unsafe environment for my family and inflicted significant financial, emotional, and physical distress. I request that immediate steps be taken to secure our information and hold responsible parties accountable. \nOver the past year, I have experienced an orchestrated pattern of financial, employment, and medical mismanagement by various organizations and individuals. The cumulative effects of these incidents have led to severe personal, medical, and financial hardship for my family and me. I implore you to address these issues with the utmost urgency, as they have impacted my health, my childrens well-being, and our financial stability. \nPersonal Background and Employment Issues with XXXX XXXX XXXX I am a single mother of XXXX children, and until recently, I was employed with XXXX XXXX XXXX. I experienced multiple incidents of payroll inconsistencies, mismanagement, and unaddressed medical leave issues due to my XXXX in XX/XX/XXXX and a prior emergency hysterectomy in XX/XX/XXXX. Despite being eligible for medical leave under federal law, I encountered severe delays and missing paychecks, including errors in my XXXX and XX/XX/XXXX payroll. XXXX withheld portions of my income during these times, creating significant financial strain. Despite my best efforts to resolve these issues internally, I was encouraged by my supervisor, XXXX XXXX, to file for unemployment, which led to additional complications. \n\nOn top of that, I faced unusual and unethical recruitment practices in XX/XX/XXXX, when I was asked to take a drug screening for a new assignment that was, according to XXXX, urgent. During this process, I encountered irregularities, including late-night calls from the recruiter, delays, and unreturned messages. Although I passed the test, the recruiter stopped responding after confirming the validity of my prescription medications. I was left without employment, and my attempts to reach XXXX or XXXX XXXX about this recruiter were met with dismissal. This left me stranded financially and emotionally, as I felt I was being set up to fail without any recourse. \n\nMoreover, I discovered frequent alterations to my tax withholding information within the XXXX system between XXXX and XX/XX/XXXX. Despite repeatedly adjusting my XXXX to reflect my head-of-household status with XXXX dependents, it was changed back to XXXX allowances without my consent. I provided proof to XXXX, but this continued unchecked. \n\nMedical and XXXX XXXX XXXX I have a complex medical history, including childhood XXXX XXXX and XXXX concerns, which have been mishandled and misdiagnosed by both XXXX XXXX XXXX XXXX and XXXX XXXX. Following my XXXX, which was initially recorded as a mild XXXX ( TIA ), my medical records were altered to indicate a diagnosis of hemiplegic migrainesa condition my son, not I, suffers from. This falsification has led to additional complications in my treatment and care, as my true medical needs have not been addressed. \n\nMy children and I have also faced issues with XXXX and XXXX. There are records falsely listing XXXX as XXXX, and despite requesting corrections, the errors persist. Our medical charts contain inaccurate information, including previous diagnoses, and unauthorized changes to my name and other details have resurfaced despite multiple updates. The confusion around these records has not only impacted our ability to receive proper medical care but has caused my sons XXXX benefits to decrease based on false wage reporting by XXXX. The inaccuracies in our medical histories have left us without essential treatments and correct medical advice, placing our health in jeopardy. \n\nMail Theft, Identity Theft, and XXXX XXXX I have experienced repeated mail theft, including the unauthorized removal of important documents such as my high school diploma, my childrens report cards, and various personal identification papers. On XXXX occasion, my home was left open, and my childs football game folder, which contained sensitive identification documents, was disturbed. These repeated invasions have left my family feeling vulnerable and unsafe. \n\nIn addition, I have encountered false tax documents and compromised IRS returns. XXXX forms showing electronic signatures have appeared without my knowledge, and previous years returns were tampered with, creating suspicion that I completed forms I did not. Concerningly, Ive noticed unusual discrepancies involving the Federal Reserve, where records tied to my settlements and victims compensation have been altered, preventing those funds from reaching me. Compounding this, my tax information has been altered to show false wages that caused financial setbacks, such as my sons XXXX reduction. \n\nOn multiple occasions, I have observed unauthorized changes to our benefits, accounts, and medical information from unidentified foreign sources in the XXXX, XXXX, and XXXX. Ive seen indicators suggesting that my documents are being manipulated and sold, including when XXXX documentation unexpectedly appeared on my personal devices. The situation has escalated to XXXX XXXX that my familys personal and financial records are being remotely accessed and modified, creating continual disruption to our financial and medical security. \n\nUrgent Request for Action These interconnected actions have violated numerous federal laws, including : XXXX Violations : Unauthorized access and alteration of medical records, resulting in misdiagnoses and incorrect medical treatment. \nXXXX XXXX Violations : Wrongful termination and mishandling of medical leave rights and pay by XXXX. \nSocial Security XXXX Violations : False reporting of wages to the XXXX, leading to wrongful reductions in XXXX benefits. \nIdentity Theft and XXXX XXXX : Manipulation of personal information, tax records, and financial data, impacting access to settlements and benefits. \nVictims Rights Violations : Withholding of victims compensation and child support deposits, likely due to altered banking records. \n\nThe cumulative impact of these issues is more than financial ; it has placed my familys health, well-being, and sense of security at grave risk. I request immediate intervention to investigate these ongoing issues, enforce accountability among involved parties, and ensure that our recordsmedical, employment, and financialare corrected and secured. \n\nThank you for your attention to this matter. I am prepared to provide any additional documentation needed and am hopeful that with your assistance, my family and I can regain control over our health, financial stability, and personal security. \n\nI am urgently reaching out to address suspected fraud and identity misuse affecting my account and linked records, with the goal of correcting these errors and ensuring the privacy and safety of my familys energy services. This situation has caused significant concern for our household security, and I request your immediate assistance in investigating and removing fraudulent data associated with my account. \n\nSuspected Fraudulent Activity and Urgent Concerns There are multiple emails, addresses, and phone numbers that I have discovered associated with my XXXX XXXX account and records, which I did not authorize. The following emails in XXXX and XXXX fraudulent. I am asking for them to be immediately deleted from any association with my XXXX XXXX account or records. \n\nOn XX/XX/XXXX, I requested that the account for meter XXXX XXXX XXXX, XXXX, SC reflect my updated information, including my new name, Social Security number, and drivers license number. However, my records do not show this update, and neither do they list other addresses I have lived at under my old name. These addresses include : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Lakecrest Apartments in XXXX, SC XXXX XXXX XXXX in Taylors, SC XXXX XXXX XXXX XXXX, XXXX XXXX?, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX This discrepancy is a serious issue, as it leaves my new identity information unlinked, while fraudulently assigned addresses remain on record. I request either the removal of XXXX XXXX XXXX from my account or the addition of my legitimate, previous addresses under my old identity. Currently, my consumer report lists a fraudulent address that was never mine and that I believe was being used by others while I maintained my own separate residence. \n\nFraudulent Use of My Identity and That of My Children Between XX/XX/XXXX and now, there have been individuals who have repeatedly used my name and my minor childrens names to obtain services and hide behind our identities. Specifically, XXXX XXXX XXXX, XXXX, SC XXXX appears fraudulently in my records as an address someone else used to access my information and receive my drivers license. \n\nThose I believe responsible for using my identity fraudulently include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These individuals have misused my identity and that of my minor children, XXXX XXXX XXXX and XXXX XXXX XXXX, in various financial schemes, manipulating records and identities linked to XXXX XXXX. It is essential that no accounts, direct deposits, or service addresses associated with these names, or variations like XXXX XXXX or XXXX XXXX, be linked to my XXXX XXXX account. \n\nXXXX XXXX and Billing Concerns It has come to my attention that fraudulent deposits marked as child support are being associated with my XXXX XXXX account. I also see discrepancies in my billing statements, with statements showing XXXX, OH as the merchant location, while my receipts indicate XXXX, NC. This inconsistency raises serious concerns about the integrity of these charges and possible unauthorized use. \n\nFurthermore, I have noted unusually high energy bills when our lights are on, which directly affects my familys health, as we experience symptoms of sickness when lights are used for extended periods. This unusual billing and possible connection with external deposits must be investigated, as it suggests potential fraudulent activity that could jeopardize our energy security. \n\nRequest for XXXX XXXX I am asking XXXX XXXX to take immediate steps to : XXXX. Remove fraudulent emails ( XXXX and XXXX ) and phone numbers associated with my account. \nXXXX. Correct my address history by either removing XXXX XXXX XXXX or adding legitimate past addresses under my old identity. \nXXXX. Investigate and remove unauthorized accounts or deposits connected to names used fraudulently, including aliases associated with my childrens names. \nXXXX. Examine discrepancies in billing statements and merchant location data, as these XXXX indicate unauthorized activity affecting my account. \n\nMy family depends on XXXX XXXX secure and reliable service, and any errors or fraud in our records directly impact our daily lives and well-being. I trust that XXXX XXXX will investigate and resolve these issues quickly to ensure the integrity of our account and the safety of our home. \nI am detailing the complex misuse of my identity and records by family members, which has led to financial and legal confusion. \n\nXXXX. Address and XXXX Records : Although my sister does not use my address with XXXX, XXXX with the Department of XXXX and XXXX XXXX XXXX XXXX ) XXXX her under my address. This has led to a mix-up, as the court records show payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the determination of who is responsible for certain obligations. \nXXXX. Medical Record Number ( XXXX ) Discrepancies : At the hospital, I am listed under XXXX separate MRNsone for XXXX XXXX and another for XXXX XXXX XXXX. My sons XXXX was also changed without my consent. These discrepancies suggest attempts to use our medical records to forge identities or claim benefits fraudulently. \nXXXX. IRS Form XXXX Corrections : In XX/XX/XXXX, I received XXXX corrected IRS Forms XXXX, despite no legitimate reason for such changes. This suggests manipulation of our records, possibly to alter tax or insurance status. \nXXXX. Tax Filing Irregularities : I filed with XXXX XXXX XXXX XXXX XXXX and expected a refund of {$6200.00} ; however, I only received {$5100.00}. I believe my sons father manipulated tax information, possibly claiming benefits as the head of household. Despite records showing my daughter is the head of household, corrections continue to misclassify this status. \nXXXX. XXXX XXXX and XXXX Discrepancies : My sons financial deposit history begins with XXXX, identical to numbers found in XXXX records for liens and judgments related to me as a victim. Previous checks issued to me as restitution for victimization are now missing, and XXXX Carolinas Disbursement Unit ( SC SDU ) is not recording deposits to my account ( XXXX ), though some deposits appear in FHE format ( indicating possible child support or benefits for family household expenses ). \n\nThe extensive misuse of my personal information, medical and tax records, and financial deposits has caused both personal and financial harm. I am seeking thorough investigation and corrective action. \nI am filing this complaint to report extensive fraud involving forged medical and financial records linked to my family. Specifically, my sons XXXX, XXXX XXXX XXXX, and other family members have allegedly altered my childrens medical records at XXXX XXXX and XXXX XXXX under my former name, XXXX XXXX. Theyve manipulated record numbers and listed incorrect dates of service, even though XXXX XXXX lived in XXXX since XXXX. Furthermore, I have evidence showing XXXX distinct medical record numbers for XXXX XXXX and XXXX XXXX XXXX. \nXXXX recently won a {$200000.00} lawsuit at XXXX XXXX. Additionally, when he falsely accused me of criminal domestic XXXX ( XXXX ), the public index records show my name twice instead of his, further indicating fraudulent misuse of my identity. I have also found evidence that XXXX signed as my sons birth parent, using fraudulent documents to access benefits and funds without my consent. \nI also uncovered misuse of XXXX benefits in our medical records, falsely indicating absent parent support. In the Child Support Portal, over {$1000.00} in payments meant for my son has been held by the South Carolina State Disbursement Unit without explanation. Additionally, it appears my tax returns were forged and intercepted, with {$5100.00} issued on a fraudulent check from XXXX & XXXX XXXX XXXX instead of the original {$6200.00} owed. \nI have evidence suggesting a XXXX XXXX account was linked to my Treasury XXXX account under my new identity without my authorization. Despite removing certain addresses, XXXX and XXXX XXXX XXXX records show XXXX continued to use my address. The ongoing manipulation of my records has been substantiated by documents, and my XXXX data was also accessed without permission. I am seeking corrective action and an investigation into these fraudulent activities, which have left me financially compromised. \n\n\nSubject : Urgent Report of Financial and Privacy Violations, Medical Record Manipulation, and Fraudulent Activity To Whom It XXXX Concern, I am writing to urgently bring to your attention a series of serious violations and fraudulent activities that have caused significant financial hardship, emotional distress, and breaches of privacy for both myself and my children. We have become victims of what appears to be a carefully orchestrated scheme involving unauthorized access to medical records, misuse of personal information, and the misallocation of benefits. The following outlines in detail the specific violations, the individuals involved, and the detrimental impact this has had on our lives. \n\nXXXX. XXXX XXXX XXXX and Misdiagnosis My sons medical records at XXXX XXXX reveal troubling discrepancies, particularly an instance where his father, XXXX XXXX XXXX, signed as the patient for a visit. He did not sign as the legal guardian or authorized representativehe signed as if he were my son, which is neither accurate nor authorized. Additionally, my sons medical record number for this visit does not match the number assigned to him at birth. This inconsistency raises serious concerns about tampering and unauthorized access to our medical records. \n\nFurther, I suffered a XXXX in XX/XX/XXXX. However, records at XXXX XXXX XXXX ( connected to XXXX XXXX and XXXX XXXX ) indicate my son was admitted for hemiplegic migraines on the exact dates of my hospitalization, suggesting either gross error or intentional misrepresentation. This not only complicates my own diagnosis but has led to an inappropriate medical history being attached to my son. \n\nXXXX. Financial Hardship and Incorrect XXXX Benefit Allocation Recently, the Social Security XXXX reduced my sons XXXX benefits, citing funds he supposedly received from his father, who has not made any child support payments for over XXXX months. Despite my providing evidence of this nonpayment, the XXXX has continued to decrease his benefits. This financial burden has caused me great hardship and confusion, especially as my sons fathers unpaid child support was supposed to be offset against my tax refund, which was delayed for XXXX months and ultimately arrived short by over {$2000.00}. \n\nAdditionally, the Department XXXX XXXX XXXX ( XXXX ) has been deducting child support for XXXX, yet only for my son, XXXX, and not my other child. XXXX claimed no offset was done, which conflicts with earlier communications. It has also come to my attention that my insurance through XXXX XXXX XXXX XXXX XXXX, XXXX assurances from XXXX administrators XXXX I owe no TANF obligations. This misrepresentation of benefits further amplifies my financial distress. \n\nXXXX. XXXX XXXX and XXXX XXXX Evidence suggests that someone XXXX have gained unauthorized access to my online records and accounts. My IP address has shown unusual access points from XXXX, where my sons father resides. In XXXX, someone using a XXXX device accessed my XXXX account without my authorization, specifically connected to XXXX XXXX. I have explained these issues to the Department of Treasury and the Department of XXXX, but the concerns persist. \n\nAdditionally, a detective revealed that my sister had used my address with the Department XXXX XXXX and XXXX XXXX, although her name does not appear in the XXXX system. Her use of my address for state services could be contributing to the financial and identity confusion affecting us. This misuse of my address and personal information by family members, combined with unauthorized access to my accounts, suggests a significant compromise of my personal privacy and civil rights. \n\nXXXX. Forgery, Misrepresentation, and Potential Financial Gain On XX/XX/XXXX, my sister reportedly forged my signature, making it appear that my son was in the hospital at the same time I was. This forged record enabled further manipulation of our medical history and potentially allowed for financial claims I did not authorize. In addition, school records have inexplicably reversed the roles between myself and my daughter, listing me as the student and her as the parent, which further indicates identity tampering and misrepresentation. \n\nSubjects Involved and Methods Used XXXX XXXX XXXX : Used my sons medical information, signing as the patient at XXXX XXXX without authorization. The motives appear to be tied to manipulating medical records and possibly accessing benefits fraudulently. \nMy Sister : Forged my signature, used my address with the Department XXXX XXXX XXXX and XXXX, and XXXX have contributed to the ongoing misrepresentation issues with the XXXX and state agencies. \nDepartment XXXX XXXX XXXX ( XXXX ) : Deducted child support for XXXX but failed to apply it correctly, resulting in unexplained benefit misallocations and tax offset confusion. \n\nThese actions have collectively created a web of complications that leave XXXX vulnerable, financially strained, and emotionally distressed. Our rights to privacy, fair treatment, and accurate benefits allocation have been compromised. The effects of these ongoing issues are profound and have disrupted every aspect of our lives, leading to financial instability and unwarranted emotional trauma. \n\nRequest for Urgent Intervention I urge your office to investigate the following : Unauthorized Medical Record Access and Forgery : Violations under XXXX due to unauthorized changes and access to medical records. \nSocial Security XXXX : Manipulation of XXXX benefits and associated financial documents, resulting in incorrect benefit allocation. \nXXXX XXXX : Potential manipulation of child support payments, XXXX misallocation, and missing tax offsets. \nIdentity Theft and Impersonation : Fraudulent use of my address and unauthorized access to my records, resulting in compromised privacy and civil rights violations. \nWe have become victims treated as criminals, facing unwarranted scrutiny and reduction in necessary benefits. I respectfully ask for an in-depth investigation to provide relief, clarity, and accountability for those responsible. Thank you for your attention to this matter, and I look forward to your prompt response.","date_sent_to_company":"2024-11-09T19:30:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10741046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T18:41:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Despite</em> being eligible for medical leave under federal law, I encountered severe delays and missing <em>paychecks</em>, including <em>errors</em> in my XXXX and XX/XX/XXXX payroll. XXXX withheld portions of my income during these times, creating significant financial strain. <em>Despite</em> my best efforts to resolve these issues internally, I was encouraged by my supervisor, XXXX XXXX, to file for unemployment, which led to additional complications."]},"sort":[8.476194,"10741046"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5}]}},"product":{"doc_count":5,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}}]}},"issue":{"doc_count":5,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1},{"key":"Deposits and withdrawals","doc_count":1},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":5,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5}]}},"company_response":{"doc_count":5,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5}]}},"submitted_via":{"doc_count":5,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":5}]}},"company":{"doc_count":5,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"KEYCORP","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1}]}},"state":{"doc_count":5,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OH","doc_count":2},{"key":"CT","doc_count":1},{"key":"NY","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":5,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},"tags":{"doc_count":5,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}