{"took":219,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":185,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6636096","_score":25.063013,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Filed 1st complaint ( XXXX ) on XX/XX/2023. \nCompany FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice.\n\nThey also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nTHESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.","date_sent_to_company":"2023-03-01T15:56:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"6636096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-03-01T14:45:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[25.063013,"6636096"]},{"_index":"complaint-public-v1","_id":"4552889","_score":24.006191,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552889","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-07-18T16:14:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination Failure to transmit the statement required under"]},"sort":[24.006191,"4552889"]},{"_index":"complaint-public-v1","_id":"4552878","_score":23.927399,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-18T15:40:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination Failure to transmit the statement required under"]},"sort":[23.927399,"4552878"]},{"_index":"complaint-public-v1","_id":"4552888","_score":23.911997,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-18T16:14:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination Failure to transmit the statement required under"]},"sort":[23.911997,"4552888"]},{"_index":"complaint-public-v1","_id":"10055071","_score":23.281527,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2024, my credit card was charged by XXXX XXXX in the amount of {$980.00}. Subsequently, I noticed a billing error in the amount of {$240.00} and have made several attempts to contact the merchant and resolve this billing error. Unfortunately the merchant never responded to my multiple communications. \n\nOn XX/XX/2024, I initiated a credit card billing dispute with Barclays. The dispute case ID is XXXX. \n\nOn XX/XX/2024, Barclays sent me a copy of merchant response to my billing dispute. The merchant response itemized billing items, including the item that was billed in error. I provided additional supporting documentation to Barclays to explain the billing error. \n\nOn XX/XX/2024 and XX/XX/2024, I received additional communications from Barclays notifying the case is closed without resolving the billing error. No further documentary evidence was provided by Barclays to explain its decision. \n\nIn accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nBy closing this billing dispute without providing documentary evidence to support its decision, Barclays has violated the Fair Credit Billing Act.","date_sent_to_company":"2024-09-08T21:18:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27410","tags":null,"has_narrative":true,"complaint_id":"10055071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-09-08T20:33:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditor</em> 's billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[23.281527,"10055071"]},{"_index":"complaint-public-v1","_id":"7391860","_score":23.18495,"_source":{"product":"Debt collection","complaint_what_happened":"( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2023-08-12T19:35:15.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7391860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grow Credit Inc","date_received":"2023-08-12T19:19:14.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[23.18495,"7391860"]},{"_index":"complaint-public-v1","_id":"21785277","_score":22.905338,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes Authorities ( CFR ) prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by\nthe obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing\ncycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. \nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. \n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\n( Pub. L. 90321, title I, 161, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1512 ; amended Pub. L. 96221, title VI 613 ( g ), 620, Mar. 31, 1980, 94 Stat. 177, 184 ; Pub. L. 111203, title X, 1087, 1100A ( 2 ), July 21, 2010, 124 Stat. 2086, 2107. )","date_sent_to_company":"2026-05-01T11:11:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21785277","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-05-01T10:59:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.905338,"21785277"]},{"_index":"complaint-public-v1","_id":"7858346","_score":22.533037,"_source":{"product":"Credit card","complaint_what_happened":"I found two unknown charges on my card ; one from XXXX for {$140.00} and the other from XXXX for {$140.00}. In the case of the XXXX charge, they too had no record of it and specifically asked me to dispute the charge on my card. I opened two disputes with American Express. \n\nThe terms of the Fair Credit Billing Act, 15 USC Chapter 41, subchapter I, part D are very clear. The creditor shall ... \" Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the statement reflects goods not delivered to the obligor, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered and provides the obligor with a statement of such determination. '' Rather than conduct an investigation, or provide me with the documents requested, American Express sent out a template denial letter in complete disregard of the law ( documents attached ). You will note that even though these were two independent transactions, requiring two seperate investigations, the information provided is EXACTLY the same.","date_sent_to_company":"2023-11-16T18:52:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"110XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7858346","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-11-16T18:29:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the statement reflects goods not delivered to the <em>obligor</em>, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered and provides the <em>obligor</em> with a statement of such determination. '' Rather than conduct an investigation, or provide me with the documents requested, American Express sent out a template denial letter in complete disregard of the law ( documents attached )."]},"sort":[22.533037,"7858346"]},{"_index":"complaint-public-v1","_id":"9943712","_score":22.525957,"_source":{"product":"Credit card","complaint_what_happened":"15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 15 U.S Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( XXXX ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-08-28T23:08:37.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"08016","tags":null,"has_narrative":true,"complaint_id":"9943712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-08-28T22:46:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.525957,"9943712"]},{"_index":"complaint-public-v1","_id":"8735825","_score":22.483307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly communicated with XXXX XXXX XXXX about misrepresentations of an account that is on my credit report. The account shows an alleged balance of {$680.00} that I do not owe, yet the company is harassing me and sharing incorrect information on my credit report. I have requested information to validate the debt that the company has not provided any documentation that can validate the debt. It has only provided its Account Billing Statements and other superfluous documents. Moreover, it has not provided any proof that it provided the necessary disclosures when the account was opened, when it claimed payments were late and reported that information to CRAs, and after I informed it that there were billing errors associated with the account : 15 U.S. Code 1666 - Correction of billing errors ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nIt did not make the action required in subparagraph ( B ) nor did it correct the billing error. \n\nXXXX XXXX XXXX is in willful and knowing violation of the FCRA. \n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\nXXXX XXXX XXXX has not followed its obligation under the FCRA. If this issue is not resolved within fifteen days, I will have no option but to file a lawsuit against XXXX XXXX XXXX for its failure to correct the billing error, harassment to pay the alleged debt, improper use of my information, and unauthorized communication about my personal information.","date_sent_to_company":"2024-04-09T19:48:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"8735825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-09T19:48:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.483307,"8735825"]},{"_index":"complaint-public-v1","_id":"18163364","_score":22.442331,"_source":{"product":"Checking or savings account","complaint_what_happened":"These accounts are fraudulent and needs to be removed immediately 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes Authorities ( CFR ) prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\n( Pub. L. 90321, title I, 161, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1512 ; amended Pub. L. 96221, title VI 613 ( g ), 620, Mar. 31, 1980, 94 Stat. 177, 184 ; Pub. L. 111203, title X, 1087, 1100A ( 2 ), July 21, 2010, 124 Stat. 2086, 2107. )","date_sent_to_company":"2025-12-19T03:32:32.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75208","tags":null,"has_narrative":true,"complaint_id":"18163364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-19T03:27:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.442331,"18163364"]},{"_index":"complaint-public-v1","_id":"8735765","_score":22.387508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly communicated with XXXX XXXX XXXX about misrepresentations of an account that is on my credit report. The account shows an alleged balance of {$680.00} that I do not owe, yet the company is harassing me and sharing incorrect information on my credit report. I have requested information to validate the debt that the company has not provided any documentation that can validate the debt. It has only provided its Account Billing Statements and other superfluous documents. Moreover, it has not provided any proof that it provided the necessary disclosures when the account was opened, when it claimed payments were late and reported that information to CRAs, and after I informed it that there were billing errors associated with the account : 15 U.S. Code 1666 - Correction of billing errors ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nIt did not make the action required in subparagraph ( B ) nor did it correct the billing error. \n\nXXXX XXXX XXXX is in willful and knowing violation of the FCRA. \n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\nXXXX XXXX XXXX has not followed its obligation under the FCRA. If this issue is not resolved within fifteen days, I will have no option but to file a lawsuit against XXXX XXXX XXXX for its failure to correct the billing error, harassment to pay the alleged debt, improper use of my information, and unauthorized communication about my personal information.","date_sent_to_company":"2024-04-09T19:48:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"8735765","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-09T19:48:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.387508,"8735765"]},{"_index":"complaint-public-v1","_id":"8733476","_score":22.387508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly communicated with XXXX XXXX XXXX about misrepresentations of an account that is on my credit report. The account shows an alleged balance of {$680.00} that I do not owe, yet the company is harassing me and sharing incorrect information on my credit report. I have requested information to validate the debt that the company has not provided any documentation that can validate the debt. It has only provided its Account Billing Statements and other superfluous documents. Moreover, it has not provided any proof that it provided the necessary disclosures when the account was opened, when it claimed payments were late and reported that information to CRAs, and after I informed it that there were billing errors associated with the account : 15 U.S. Code 1666 - Correction of billing errors ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nIt did not make the action required in subparagraph ( B ) nor did it correct the billing error. \n\nXXXX XXXX XXXX is in willful and knowing violation of the FCRA. \n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\nXXXX XXXX XXXX has not followed its obligation under the FCRA. If this issue is not resolved within fifteen days, I will have no option but to file a lawsuit against XXXX XXXX XXXX for its failure to correct the billing error, harassment to pay the alleged debt, improper use of my information, and unauthorized communication about my personal information.","date_sent_to_company":"2024-04-09T19:48:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"8733476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-09T19:48:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.387508,"8733476"]},{"_index":"complaint-public-v1","_id":"8735513","_score":22.365215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly communicated with WF CRD SVC about misrepresentations of an account that is on my credit report. The account shows an alleged balance of {$680.00} that I do not owe, yet the company is harassing me and sharing incorrect information on my credit report. I have requested information to validate the debt that the company has not provided any documentation that can validate the debt. It has only provided its Account Billing Statements and other superfluous documents. Moreover, it has not provided any proof that it provided the necessary disclosures when the account was opened, when it claimed payments were late and reported that information to CRAs, and after I informed it that there were billing errors associated with the account : 15 U.S. Code 1666 - Correction of billing errors ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nIt did not make the action required in subparagraph ( B ) nor did it correct the billing error.\n\nWF CRD SVC is in willful and knowing violation of the FCRA.\n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.\n\n15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.\n\nWF CRD SVC has not followed its obligation under the FCRA. If this issue is not resolved within fifteen days, I will have no option but to file a lawsuit against WF CRD SVC for its failure to correct the billing error, harassment to pay the alleged debt, improper use of my information, and unauthorized communication about my personal information.","date_sent_to_company":"2024-04-09T19:48:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"8735513","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-09T19:22:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.365215,"8735513"]},{"_index":"complaint-public-v1","_id":"6896317","_score":22.354876,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. \n\nThe Fair Credit Billing Act requires : 1. That Citi \" conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states \" In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. \n\nI wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored","date_sent_to_company":"2023-04-27T12:22:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"110XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6896317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-04-27T11:48:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The act also states \" In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.354876,"6896317"]},{"_index":"complaint-public-v1","_id":"8414309","_score":22.269958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Electronic Fund Transfer Act, it has come to light that U S DEPT OF ED/XXXX or NELNET has not appropriately credited my account with the dividend payments and interest derived from my Treasury Coupons for the certificates of indebtedness.\n\nI EXERCISE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER PER 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number.\n\n15 U.S. Code 1666 - Correction of billing error ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing errorFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-02-24T22:12:25.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"78221","tags":null,"has_narrative":true,"complaint_id":"8414309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-02-24T21:47:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.269958,"8414309"]},{"_index":"complaint-public-v1","_id":"8413693","_score":22.269958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Electronic Fund Transfer Act, it has come to light that U S DEPT OF EDXXXXXXXX XXXX XXXX has not appropriately credited my account with the dividend payments and interest derived from my Treasury Coupons for the certificates of indebtedness. \n\nI EXERCISE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER PER 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n\n\n\n\n15 U.S. Code 1666 - Correction of billing error ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. \n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau. \n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing errorFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n( XXXX ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-02-24T22:12:31.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"78221","tags":null,"has_narrative":true,"complaint_id":"8413693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-02-24T22:12:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.269958,"8413693"]},{"_index":"complaint-public-v1","_id":"7938485","_score":22.135433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7938485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-02T06:28:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.135433,"7938485"]},{"_index":"complaint-public-v1","_id":"7936787","_score":22.135433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened : XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7936787","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-02T05:07:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.135433,"7936787"]},{"_index":"complaint-public-v1","_id":"5920319","_score":22.118626,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Title to personal vehicle was sent to bank by mistake. The bank sent a presentment and it was replied to with a conditional acceptance per the billing errors seen on said presentment. Attached to the conditional acceptance was a negotiable instrument for full satisfaction of any assumed debt. That negotiable instrument was refused and the bank refuses to release my title. \n\n\n3-603. TENDER OF PAYMENT. \nPrimary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. \n\n( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \n\n( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. \n\n( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within XXXX days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than XXXX days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. \n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. \n( 7 ) Any other error described in regulations of the Bureau. \n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. \nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. \n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. \n\nATTACHED IS PROOF OF OWNERSHIP AND PROOF THAT THE BANK WAS BILLING THE WRONG \" PERSON ''","date_sent_to_company":"2022-09-13T14:26:34.000Z","issue":"Loan payment wasn't credited to your account","sub_product":"Title loan","zip_code":"92311","tags":"Servicemember","has_narrative":true,"complaint_id":"5920319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SCHOOLSFIRST FEDERAL CREDIT UNION","date_received":"2022-08-26T17:03:07.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.118626,"5920319"]},{"_index":"complaint-public-v1","_id":"7936855","_score":22.090765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXXXXXX XXXX XXXX XXXX  Account number XXXX Date opened : XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7936855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-02T06:28:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.090765,"7936855"]},{"_index":"complaint-public-v1","_id":"8564333","_score":22.089287,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2024 I mailed a notice of billing error to Wells Fargo notifying the company that a payment made had not posted to the account. The USPS verified that the letter was delivered on XX/XX/2024 to Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XX/XX/2024 Wells Fargo charged off the account and reported to the credit bureaus that the account had been charged off and placed in collections. After I sent notice of the Billing Error, Wells Fargo restricted the account, by closing it and not allowing transactions to occur on the account. Wells Fargo violated 15 USC 1666. 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 15 U.S. Code 1666a - Regulation of credit reports ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.","date_sent_to_company":"2024-03-18T00:51:56.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"80104","tags":null,"has_narrative":true,"complaint_id":"8564333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-18T00:44:55.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.089287,"8564333"]},{"_index":"complaint-public-v1","_id":"8564284","_score":22.077404,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2024 I mailed a notice of billing error to Wells Fargo notifying the company that a payment made had not posted to the account. The USPS verified that the letter was delivered on XX/XX/2024 to Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XX/XX/2024 Wells Fargo charged off the account and reported to the credit bureaus that the account had been charged off and placed in collections. After I sent notice of the Billing Error, Wells Fargo restricted the account, by closing it and not allowing transactions to occur on the account. Wells Fargo violated 15 USC 1666. 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 15 U.S. Code 1666a - Regulation of credit reports ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.","date_sent_to_company":"2024-03-18T00:58:02.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"80104","tags":null,"has_narrative":true,"complaint_id":"8564284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-18T00:53:13.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.077404,"8564284"]},{"_index":"complaint-public-v1","_id":"8567416","_score":22.05772,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I mailed a notice of billing error to Wells Fargo notifying the company that a payment made had not posted to the account. The XXXX verified that the letter was delivered on XX/XX/year> to Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XX/XX/year> Wells Fargo charged off the account and reported to the credit bureaus that the account had been charged off and placed in collections. After I sent notice of the Billing Error, Wells Fargo restricted the account, by closing it and not allowing transactions to occur on the account. Wells Fargo violated XXXX XXXX XXXX. \n\nXXXX XXXX Code XXXX - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within XXXX days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section XXXX ( b ) ( XXXX ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section XXXX ( a ) ( XXXX ) of this title ) from the obligor in which the obligor ( XXXX ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( XXXX ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( XXXX ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than XXXX days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than XXXX complete billing cycles of the creditor ( in no event later than XXXX days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( XXXX ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the XXXX a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor XXXX not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. \n( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. \n( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. \n( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. \n( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. \n( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. \n( XXXX ) Any other error described in regulations of the XXXX. \n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( XXXX ) does not include the sending of statements of account, which XXXX include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( XXXX ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( XXXX ) of subsection ( a ), and ( XXXX ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. \nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. \n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the XXXX, a creditor operating an open end consumer credit plan XXXX not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n( XXXX ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section XXXX of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection XXXX not exceed {$50.00}. \n\n( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount XXXX not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. \n\nXXXX XXXX XXXX XXXX - XXXX of credit reports ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor XXXX not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. \n\n( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.","date_sent_to_company":"2024-03-18T00:40:32.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"80104","tags":null,"has_narrative":true,"complaint_id":"8567416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-17T23:25:07.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> XXXX not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the <em>obligor</em> and provides the <em>obligor</em> with a statement of such determination."]},"sort":[22.05772,"8567416"]},{"_index":"complaint-public-v1","_id":"5762935","_score":21.93569,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/22. Huntingdon bank repossessed my vehicle when I received an email from XXXX XXXX on XX/XX/22 acknowledging that she received the complaint and was going to contact me with a resolve. No response back from XXXX XXXX Assistant Vice President. The recovery agents did not disclose their information other than they were from XXXX XXXX XXXX. I do not have a said account or any contracts with this financial institution. Therefore according to USC 1692 15 U.S. Code 1692b - Acquisition of location information.Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.\n\nRecovery Agents was not debt collectors nor did Huntingdon Bank Properly Notify Me! Which is a violation according to 15 USC 1681 Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nAccording to the HJResolution 192 ( 1973-1974 ) states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar. If you review the modern money mechanics article of the Federal Reserve, you will discover that all currency is your credit! The Federal Reserve calls credit \" Monetized Debt ''. \nAsking for currency is not legal as per this House Resolution Rule which is a Federal Law. \nHuntingdon Bank conducts unfair practices, unlawfully said I conducted a contract with them under false pretenses under my ALL CAPS NAME which no corporation can conduct and commerce with a living soul. The all caps name is a fictitious name which was created to do Commerce with only. No corporation can conduct nor prove that any legal currency ( which doesn't exist ) came from said bank ( Huntingdon ). I received no response from their banking officials, which is a violation of my rights as a consumer. I was embarrassed and humiliated! I was never offered a rights of rescission as per the TILA ( Truth in Lending Act ). Said agent who deceives consumers for Huntingdon Bank are operating in unlawful ways for monetary gain and commit fraud on a daily basis. I have patiently waited for a respectful resolve to maintain my vehicle for personal use to provide an honest living for my family. I spoke with a supervisor XXXX XXXX and she alleges no known knowledge of where my vehicle is, what fake currency amount it is to retrieve my lawful property. Alleges that XXXX XXXX and the recovery department was gone for the day. However, XXXX XXXX stated that she would in fact contact XXXX XXXX via email to gain more knowledge at hand to what is going on with my initial first complaint with Huntingdon Bank! XXXX XXXX also stated that she would contact me first thing tomorrow morning to let me know where the vehicle is. \nI demand my vehicle back and answers o my first complaint and to this one as it is a violation of my XXXX giving rights! \n\nI received absolutely no communication from Huntingdon Bank via telephone only harassing emails! Which is also a violation of my consumer rights. I wasn't peoperly notified, no response from XXXX XXXX as per her email correspondence on XX/XX/22.","date_sent_to_company":"2022-07-12T23:36:33.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"16602","tags":null,"has_narrative":true,"complaint_id":"5762935","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2022-07-12T22:35:41.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In the case of a billing <em>error</em> <em>where</em> the <em>obligor</em> <em>alleges</em> that the <em>creditors</em> billing statement reflects goods not delivered to the <em>obligor</em> or his designee in accordance with the agreement made at the time of the transaction, a <em>creditor</em> may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, 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