{"took":332,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":116,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6612164","_score":16.142746,"_source":{"product":"Checking or savings account","complaint_what_happened":"I never received the response in the mail as stated in a previous complaint filed against the same banking institution. On XX/XX/2023, I reached out for the 17th time to initiate a claim for fraud for a total amount of approximately {$40000.00}. I did the same on XX/XX/2023, and even went to a branch and sat there for over two hours to try and file a claim. I called today, XX/XX/2023, to the fraud department to obtain a case number or anything, and was bounced around to person to person and never was connected to anyone who could take the claim information or answer a single question. In 3 hours and 45 minutes ( Three hours Forty-Five Minutes ) of bouncing around with all the different representatives at Wells Fargo not a single time could I accomplish the purpose of my call. Each and every time I have contacted the Fraud Department at Wells Fargo or even call the bank I am not able to file a claim of fraud. This was the entire reason for me filing the first complaint with the CFPB which did absolutely nothing. The bank still has not allowed me to file the claim of fraud and there are too many checks to list in this complaint. I am tired of constantly wasting my time with this banking institution. If I can not get the claim filed how can anyone be held accountable for the fraud which I might add is a Class-D Felony. The Power of Attorney was allowed by the bank to cash and write checks and sign them as POA, which the POA had not been authorized to do on the account. Double-endorsed checks were accepted multiple, multiple times at the teller window. Endorsed checks did not match that of who the Pay to line is made out to or it was altered. The list is extensive and if this matter is too big for the CFPB or Wells Fargo 's Fraud Department, then I need to know who to file the complaint with as I do have tangible proof of the fraud. If you can graciously provide me with who to contact since the CFPB can not assist with fraud, I would be more than happy to contact the correct department. I will keep filing complaints with the CFPB, till I get a resolution to the fraud complaint that has not been filed in close to a year, not for lack of trying on my part, but for lack of the bank for not assisting the customer and educating their employees on how to handle fraud complaints. Even the XXXX XXXX XXXX XXXX who I spoke with the associate XXXX can not help with filing a fraud complaint. The amount of time that Wells Fargo has wasted and caused me to waste exceeds the amount of my salary I make in a year. I WANT THE BANK HELD ACCOUNTABLE! If I can not file a complaint or report fraud with the fraud department who am I supposed to report it to?","date_sent_to_company":"2023-02-24T21:10:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06042","tags":null,"has_narrative":true,"complaint_id":"6612164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-24T20:43:00.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["I will keep filing complaints with the CFPB, till I get a resolution to the <em>fraud</em> complaint that has not been filed in close to a year, not for lack of trying on my <em>part</em>, but for lack of the bank for not assisting the customer and educating their employees on how to handle <em>fraud</em> complaints. Even the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> who I spoke with the associate <em>XXXX</em> can not help with filing a <em>fraud</em> complaint."]},"sort":[16.142746,"6612164"]},{"_index":"complaint-public-v1","_id":"16967871","_score":15.470822,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative Citi Retail Services / Home Depot Credit Services Case # : XXXX | Account Ending : XXXX I am filing this complaint because Citi Retail Services ( Home Depot Credit Services ) failed to properly investigate or resolve a verified case of financial fraud. \n\nThe fraudulent purchases were made by XXXX XXXX, who misrepresented himself as my business partner through a fake company structure XXXX XXXX XXXX XXXX XXXX to gain unauthorized access to business credit. He used the card for personal expenses disguised as company purchases. \n\nI was out of state during the time of all transactions, with hotel receipts and employment records verifying that I was not present, did not possess the card, and made no purchases. I did not receive, see, or use a single item or service obtained through this account. \n\nCiti denied my fraud claim based on the assertion that the chip card was used ; therefore, the cardholder is responsible. This determination is both legally and factually incorrect. Regulation Z ( 12 CFR 1026.13 ) requires a good-faith investigation, and chip-card use does not constitute proof of authorization. Citi failed to verify merchant records, review documentation, or consider my verified absence.\n\nThe account was temporarily credited {$410.00}, then reversed to a {$7400.00} balance despite no evidence of legitimate authorization or business activity. Citis refusal to uphold the credit violated procedural requirements for billing-error investigations and ignored substantial proof of fraud.\n\nThis was not a misunderstanding or partnership dispute it was a deliberate, structured scheme. XXXX XXXX fabricated a business to obtain credit, promising roofing contracts, materials, and customers that never existed. The business generated no income ; all debt fell under my personal credit, and all purchases benefited him personally. \n\nTo confirm the criminal nature of this activity, I consulted with Commonwealths Attorney XXXX XXXX XXXX, who is currently overseeing XXXX XXXX XXXX XXXX  case ( XXXX XXXX XXXX XXXX Case # XXXX ) and is familiar with him from prior financial-crime and domestic-support cases. After reviewing my evidence, she confirmed that his conduct meets the legal threshold for felony financial fraud and advised me to file formal charges. Law enforcement has directed that this report be filed in person due to the felony-level amount involved. \n\nUnder Virginia law, this conduct constitutes : Embezzlement ( VA Code 18.2-111 ) Conversion of entrusted funds for personal use.\n\nCredit Card Fraud/ Theft ( VA Code 18.2-195 ) Obtaining goods or services through unauthorized use of issued credit.\n\nObtaining Money by False Pretenses ( VA Code 18.2-178 ) Misrepresentation of business legitimacy to acquire funds or credit.\n\nI am requesting that the CFPB require Citi Retail Services to reopen and properly reinvestigate this case, restore the fraud credit that was improperly reversed, and provide all supporting documentation used to deny my claim ( merchant receipts, POS data, and authorization records ).\n\nAttached documentation includes transaction records, communications, proof of my out-of-state location, and law-enforcement correspondence confirming this as part of an active criminal investigation.","date_sent_to_company":"2025-11-01T11:33:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"24153","tags":null,"has_narrative":true,"complaint_id":"16967871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-01T10:36:24.000Z","state":"VA","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":["To confirm the criminal nature of this activity, I consulted with Commonwealths Attorney <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, who is currently overseeing <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  case ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Case # <em>XXXX</em> ) and is familiar with him from prior financial-crime and domestic-support cases. After reviewing my evidence, she confirmed that his conduct meets the legal threshold for <em>felony</em> financial <em>fraud</em> and advised me to file formal charges."]},"sort":[15.470822,"16967871"]},{"_index":"complaint-public-v1","_id":"2318565","_score":14.872318,"_source":{"product":"Mortgage","complaint_what_happened":"Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you","date_sent_to_company":"2017-02-03T21:27:01.000Z","issue":"Application, originator, mortgage broker","sub_product":"Other mortgage","zip_code":"92530","tags":null,"has_narrative":true,"complaint_id":"2318565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Quality Loan Service Corporation","date_received":"2017-01-30T21:31:39.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Now title and county records is <em>part</em> of this crime against me. My home is being sold at auction and aiding and abetting this crime. <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Quality Loan Servicing Corp., <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> parent Company. I need the trustee sale stopped asap, and my <em>claim</em> paid that was sent to me by <em>XXXX</em> for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan."]},"sort":[14.872318,"2318565"]},{"_index":"complaint-public-v1","_id":"3043596","_score":14.557845,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! \n\nIn a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed \" reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named \" XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). \n\nI have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). \n\nYou all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! \n\nInsurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for this.","date_sent_to_company":"2018-10-11T19:42:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3043596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-10-11T18:08:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["These are serious <em>felony</em> offenses and people need to go to jail for this."]},"sort":[14.557845,"3043596"]},{"_index":"complaint-public-v1","_id":"3737246","_score":13.35971,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX - I opened two deposit accounts for my XXXX XXXX ( XXXX )  expansion at Bank of America - Small Business online web portal XXXX - SBA loan proceeds deposited in to primary account by the US Treasury XXXX - letter sent by Bank of America with 'threatening ' language indicating that my account was closed - no cause of action provided. Threats include a statement that \" Our decision to close your account is final and may affect your ability to open a checking or savings account with us in the future. '' But worse - \" We may report you to XXXX XXXX  ... The may affect your ability to open an account at any other financial institutions for up to five years. '' XXXX - second letter sent by Bank of America. First line in bold letters, \" We've closed the above account. '' Then - \" At this time, any remaining balance won't be returned to you. '' XXXX - I received the first letter on XXXX and called the following day. Was told that 'an analyst suspected fraud on my account and that funds were being held in back office pending review. ' I escalated to a supervisor who sent it back to the analyst for review ... very harsh and accusatory tone in their dealing with my questions XXXX - I called back and was first told that this was still under review. After pushing back hard, I was told by a supervisor that this had been reversed and that my accounts were reinstated but that the funds would take 48 hours to clear back in to the account. I asked for and was given a path way to escalate this to the executive response team, given that I had already written to XXXX XXXX - XXXX of Bank of America. \n\n** I have now had multiple calls and escalations since these letters arrived - happy to report that BofA acknowledged this was a mistake on their part and are complying with my demand for a letter of release, indicating that I did nothing wrong and that this was a mistake on their part. I expect this letter by XXXX. \n\nEven with their apology letter and reinstatement of my accounts, this complaint still stands in that the language used in the letter is - or should be - illegal. Threatening my financial future by an unsubstantiated claim of fraud is wrong. Withholding funds as they suggest in the second letter is a felony crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement \" remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds.","date_sent_to_company":"2020-07-09T15:29:56.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"310XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3737246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-07-09T15:00:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Threatening my financial future by an unsubstantiated <em>claim</em> of <em>fraud</em> is wrong. Withholding funds as they suggest in the second letter is a <em>felony</em> crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement \" remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds."]},"sort":[13.35971,"3737246"]},{"_index":"complaint-public-v1","_id":"1444437","_score":13.194435,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX of XXXX we received a decision from the XXXX Court of Appeals regarding a lawsuit we had filed against CitiMortgage in XXXX. \nUpon reviewing the Appeal court decision we discovered that CitiMortgage and their counselXXXX introduced fraudulent and deceptive evidence into their XXXX brief ( Addendum Volume XXXX Part XXXX pages XXXX ) that was not present in the trial court. This action amounts to fraud, falsification of public records, mortgage fraud as well as criminal fraud. \nThe evidence CitiMortgage and counsel introduced into the Appeal Court record was an Affidavit by CitiMortgage employee ( alleged XXXX XXXX XXXX. XXXX Affidavit now proffered a copy of our mortgage note with the addition of a XXXX page that contained an endorsement that was never presented during the trial court. In fact, in all prior court filings and county records, as well as XXXX Affidavit that was XXXX presented in CitiMortgage 's Motion for Summary Judgment on XXXX XXXX, XXXX ; the mortgage note contained only XXXX pages and had no endorsements. Interestingly, in the same Appeal Addendum ( Volume XXXX Part XXXX pages XXXX ) Citimortgage presents a XXXX page note with no endorsement in direct conflict with the note presented in XXXX testimony that has XXXX pages and an endorsement on pages XXXX. \nThe lack of an endorsement was central to our original complaint and appeal. XXXX XXXX Affidavit, sworn under oath, was prejudicial to the outcome of our appeal, may be criminal in nature and violates Rule 60 of XXXX Civil Procedure. \nUnder XXXX Civil Procedure Rule 60, amended paragraph ( 4 ) of subdivision XXXX c ) states a judgment, decree or order may be modified or set aside \" [ f ] or misrepresentation or fraud ( whether heretofore denominated intrinsic or extrinsic ) by an adverse party. '' The concealment or forgery of this XXXX page with endorsement to our mortgage note is evidence of fraud among other legal violations yet to be determined. Tampering with a public record is a Class D felony and is punishable by up to six years in prison in XXXX \nThis fraud involves a property located in XXXX, a borrower who lives in XXXX and a mortgage servicer and employee that reside in XXXX. This deception resulted in an unfair trial and potentially the loss of a home valued at over {$300000.00}. \nThis is n't the XXXX time XXXX has perjured himself. There is a XXXX case entitled XXXX XXXX XXXX XXXX XXXX XXXX and CitiMortgage, Inc. XXXX XXXX District Court XXXX ), where XXXX XXXX declared under the penalty of perjury, that a note that was endorsed to CitiMortgage came directly from the loan originator. Despite XXXX sworn testimony, CitiMortgage later admitted judicially that the assignment of XXXX note from MERS was a fabrication. \nNote : Although I am not certain that XXXX XXXX XXXX who use aliases XXXX XXXX and XXXX XXXX XXXX is the same individual, XXXX year-old XXXX XXXX from XXXX was recently arrested for XXXX and other charges. \nMy dealings with Citimortgage have been rife with fraud over the past decade. Not only did Citimortgage file XXXX fraudulent proof of claims in XXXX Federal bankruptcy proceedings, but revoked an 'approved repayment plan ' when we were in compliance with the agreement. There are a myriad of other issues involving Citimortgage including standing and other fraudulent acts, but this latest illegal maneuver has resulted in a violation of due process and prejudiced the court 's decision. \nThank you.","date_sent_to_company":"2015-06-30T06:06:35.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"1444437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-06-30T06:06:33.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In <em>XXXX</em> of <em>XXXX</em> we received a decision from the <em>XXXX</em> Court of Appeals regarding a lawsuit we had filed against CitiMortgage in <em>XXXX</em>. \nUpon reviewing the Appeal court decision we discovered that CitiMortgage and their counsel<em>XXXX</em> introduced fraudulent and deceptive evidence into their <em>XXXX</em> brief ( Addendum Volume <em>XXXX</em> <em>Part</em> <em>XXXX</em> pages <em>XXXX</em> ) that was not present in the trial court. This action amounts to <em>fraud</em>, falsification of public records, mortgage <em>fraud</em> as well as criminal <em>fraud</em>."]},"sort":[13.194435,"1444437"]},{"_index":"complaint-public-v1","_id":"2094501","_score":13.1585455,"_source":{"product":"Consumer Loan","complaint_what_happened":"Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. \nMy Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. \nIn Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.","date_sent_to_company":"2016-09-02T20:05:14.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2094501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2016-09-02T20:05:13.000Z","state":"MT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I have provided affidavits to Navy Federal Credit Union telling them of the <em>fraud</em> they will do nothing and are coming after me in collections. I obtained the <em>XXXX</em> forged promissory notes from Navy Federal Credit Union in XX/XX/<em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>. I can not get any assistance from them and they <em>claim</em> that the loans are not fraudulent. \nMy Criminal statue for <em>Felony</em> Forgery is still active from date of discovery and so is my civil statute."]},"sort":[13.1585455,"2094501"]},{"_index":"complaint-public-v1","_id":"2924694","_score":12.845953,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX COMPLAINT I provided a verbal claim to TD Bank on or about XX/XX/XXXX, XX/XX/XXXX, which was denied. On or about XX/XX/XXXX, the following claims with exhibits were submitted to a local TD Bank Manager, who improperly emailed them to the wrong department. I asked repeatedly for followup and did not receive any. I found out on XX/XX/XXXX, that because these documents were emailed to the wrong department it was denied a second time for lack of documentation. As it was never received by the correct department I submitted it again on XX/XX/XXXX. I was verbally advised today XX/XX/XXXX, that it was denied again, no reason given, and have not yet received written notice or a reason. I called the Manager again today, was promised a call back, and received none. \n\nHere 's what the Bank has had since XX/XX/XXXX. Here 's what happened. \n\nDisputes and Claims TOTAL PAGES : 54 fax XXXX ( it was supposed to be faxed but he improperly emailed XX/XX/XXXX claim ) Checking Account XXXX Re : Cash Claim {$19000.00} XXXX Please forward a copy to XX/XX/XXXX for the {$750.00} fraudulent check and provide the claim number. \n\nClaims 1. {$19000.00} cash taken from my account : 41 ATM withdrawals in 64 days 2. {$750.00} fraudulent check written on my account 3. balance inquiry fees incurred when the thief checked my balance before taking the funds 4. as there has been no relief for over 5 months I am seeking interest charges FOR EXPEDITED REVIEW The thief has been charged, incarcerated and is proceeding to trial. \n\nEXHIBIT NUMBER 1. The police Investigative Interview Record summarizes the facts in this case, including that I am legally XXXX, XXXX, hospitalized at the time some funds were taken, and completely victimized. \n\n2. On or about XX/XX/XXXX, when I discovered the theft, I compiled a list of {$17000.00} taken from my account and filed a claim over the phone with XXXX in TD Bank Customer Service, which was denied identified by debit card termination date XX/XX/XXXX [ XXXX ] and XX/XX/XXXX [ XXXX ]. I found out about the denials verbally on XX/XX/XXXX, when I reported the fraudulent check described below at Exhibit 8. That is why, as described below, I refiled my claim on XX/XX/XXXX. \n\n3. On XX/XX/XXXX, I filed a police report. On XX/XX/XXXX, the police report was submitted by me in person at the local branch as a new claim with the same list submitted on XX/XX/XXXX. \n\n4. Despite a search warrant with visits to the local TD Bank by Detective XXXX, and numerous calls and visits from me, I was advised today XX/XX/XXXX when I called the Fraud unit that no action was taken by TD Bank since XX/XX/XXXX. Therefore, in a line by line review of my statements with XXXX in the Fraud Unit, it was established that 41 ATM withdrawals were taken in 64 days. A new claim was filed for {$19000.00} XXXX. We noted frequent high dollar transactions at different ATM locations on the same day, often exceeding the {$700.00} limit. I expect TD Bank to reach out as needed to include nonTD Bank withdrawals. CAVEAT : some withdrawals in the claim may be legitimate if taken by me, I just don't know which ones, the surveillance tapes have to be checked. \n\n5. I was taken by ambulance to the hospital on XX/XX/XXXX, on XXXX XXXX XXXX. As I discharged myself Against Medical Advice on XX/XX/XXXX because I needed to complete my daughter 's XXXX Profile for Financial Aid ( excerpt attached ), the hospital refused to provide medical records. Therefore, I attach the ambulance bill and in part my health insurance bill. \n\n6. On XX/XX/XXXX, while I was in the hospital, the thief took {$350.00} from my TD Bank checking account ( included in claim XXXX ) and spent several hundred dollars by unauthorized use of my XXXX card. XXXX reversed these charges. \n\n7. On XX/XX/XXXX the thief took check # XXXX and wrote himself an amount of {$750.00}. Please compare to valid check # XXXX that I had previously written to him for {$750.00}, they are completely different. Apparently my signature on file was not consulted. \n\n8. On XX/XX/XXXX, I reported this check fraud to XXXX in the Fraud Unit and filed a police report. This is when I found out my original claim had been denied, as I had not yet received written notice. \n\n9. On XX/XX/XXXX, I filed a second claim in person with TD Bank local branch, including the check copies and police reports and Affidavit of Fraud. I closed my checking account and opened a new one. On XX/XX/XXXX I was advised to prepare this information for Dispute and Claims and ask that it be forwarded to XXXX XXXX to obtain a claim number for the check fraud. I request that the claim number be sent to me. \n\n10. On XX/XX/XXXX XXXX XXXX wrote the attached summary including the TD Bank account and XXXX card issues. \n\n11. A criminal complaint was filed on XX/XX/XXXX, the defendant arrested on XX/XX/XXXX, and at the preliminary hearing bound over for trial on the following : 1. Felony 3 Identity theft 2. Felony 3 Identity theft 3. Misdemeanor 1 Access device issued to another who did not authoirize use 4. Misdemeanor 1 Access device issued to another who did not authoirize use 5. Misdemeanor 1 Theft by Unlawful Taking 6. Misdemeanor 1 Receiving Stolen Property In addition to bail in this matter, the thief is being held on a detainer for a theft conviction in this County and has a prior conviction for manslaughter in the State of New York. I was not aware of this because he used a false name with me. Upon conviction in this matter he will be resentenced for his violation of probation on the theft. \n\nI am extremely disappointed. Not only my accounts, but those of my children and their student friends were all opened at TD Bank under my personal escort to start their banking experience. I am shocked there has been no follow up despite all my efforts and believe I have been damaged as a result. I ask that I be given the courtesy of an expedited review. \n\nRespectfully, XXXX XXXX EXHIBIT LIST 1. Police Investigative Interview Record with Addendum 2. XX/XX/XXXX claim and denials for the debit card terminated XX/XX/XXXX [ XXXX ] and the debit card terminated XX/XX/XXXX [ XXXX ] 3. XX/XX/XXXX police report re cash taken 4. XX/XX/XXXX new claim for {$19000.00} XXXX 5. XX/XX/XXXX Proof of Hospitalization and reason for discharge 6. XX/XX/XXXX unauthorized use of XXXX card and reversal of charges for fraud 7. XX/XX/XXXX fraudulent check # XXXX {$750.00} to compare to valid check # XXXX same amount 8. XX/XX/XXXX police report re fraudulent check 9. XX/XX/XXXX Affidavit of Fraud 10. XX/XX/XXXX Detective XXXXXXXX XXXX summary including TD Bank account and XXXX card 11. XX/XX/XXXX Criminal Docket","date_sent_to_company":"2018-06-01T23:41:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19403","tags":"Older American","has_narrative":true,"complaint_id":"2924694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-06-01T23:18:04.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I filed a second <em>claim</em> in person with TD Bank local branch, including the check copies and police reports and Affidavit of <em>Fraud</em>. I closed my checking account and opened a new one. On XX/XX/<em>XXXX</em> I was advised to prepare this information for Dispute and <em>Claims</em> and ask that it be forwarded to <em>XXXX</em> <em>XXXX</em> to obtain a <em>claim</em> number for the check <em>fraud</em>. I request that the <em>claim</em> number be sent to me. \n\n10."]},"sort":[12.845953,"2924694"]},{"_index":"complaint-public-v1","_id":"10207712","_score":12.820572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification XXXX Federal Student Aid is making fraudulent claims that I owe them money. I've never had a contractual obligation with XXXX. I don't know who XXXX is and what a private company has to do with student loans. I believe that my student loans have been XXXXischarged Dept of Education sold my loan services to XXXX for pennies on a dollar. Now they are trying to bully me into paying them. These are deceptive debt collection practices according to the FDCPA and TILA. I've already sent them a 1099c. can you please tell me how my 1099c is fraudulent? Also all student loans have been forgiven. The document XXXX sent me clearly says that XXXX doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make XXXX look like the nice guy. You are a fraud, i don't have to fill out anything. so get off my back!!!! \n\n\n15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!! \n\nIf Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\n15 USC 1681 A ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report means any written, oral or other communication of any information regarding by consumer reporting agency bearing on a consumer 's credit worthyness. credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or part to serve as a factor for establishing a consumer 's eligibility for a credit or insurance to be used primarily for personal, family and wholesale purposes. ( b ) Employment purposes or ( c ) any purpose under 1681b. \n\nPlease stop sharing my information with 3rd party sources such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, they don't have my permission to furnish my information. if they have permission please give me the law. the law clearly states that they MAY share but that doesn't mean they don't have to. since I the consumer don't give permission. \nfurthermore, congress says \" except as provided in paragraph ( 3 ) the term consumer report does not include report containing information solely as to transactions or experiences. '' So what is a payment History? It is a transaction, My transactions are excluded. so where does a late payment come from? so to summarize reporting of a late payment is illegal. \n\n15 USC 16802 Obligations with respect to disclosures of personal Information. \n15 USC 16802 ( b ) Opt-out A financial institution may not report Non- Public personal information to a non- affiliated third party unless there was 3 disclosures sent to me before that information can be exchanged and the consumer must agree to it. \n\nI was never notified of any disclosures before any information was exchanged. \n\n15 USC 1681 ( b ) 2 there must be one permission with written consent from the consumer and they must have a legitamate business reason or government/court order with out those factors they can not exchange information. \n\nthe law clearly states that they may furnish in accordance with written instructions of the consumer to whom it relates. \n\nIf XXXX reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my XXXX? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\nXXXX XXXX XXXX obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title XXXX Title XXXX XXXX XXXX ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of XXXX years!!!","date_sent_to_company":"2024-09-22T09:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11427","tags":null,"has_narrative":true,"complaint_id":"10207712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-22T09:00:48.000Z","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":["The document <em>XXXX</em> sent me clearly says that <em>XXXX</em> doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make <em>XXXX</em> look like the nice guy. You are a <em>fraud</em>, i don't have to fill out anything. so get off my back!!!!"]},"sort":[12.820572,"10207712"]},{"_index":"complaint-public-v1","_id":"10206889","_score":12.7616415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification XXXX Federal Student Aid is making fraudulent claims that I owe them money. I've never had a contractual obligation with XXXX. I don't know who XXXX is and what a private company has to do with student loans. I believe that my student loans have been discharged Dept of Education sold my loan services to XXXX for pennies on a dollar. Now they are trying to bully me into paying them. These are deceptive debt collection practices according to the FDCPA and TILA. I've already sent them a 1099c. can you please tell me how my 1099c is fraudulent? Also all student loans have been forgiven. The document XXXX sent me clearly says that XXXX doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make XXXX look like the nice guy. You are a fraud, i don't have to fill out anything. so get off my back!!!! \n\n\n15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!! \n\nIf Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\n15 USC 1681 A ( 2 ) Exclusions- Except as provided in paragraph ( XXXX ) the term consumer report means any written, oral or other communication of any information regarding by consumer reporting agency bearing on a consumer 's credit worthyness. credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or part to serve as a factor for establishing a consumer 's eligibility for a credit or insurance to be used primarily for personal, family and wholesale purposes. ( b ) Employment purposes or ( c ) any purpose under 1681b. \n\nPlease stop sharing my information with 3rd party sources such as XXXX XXXX, Sage Stream, XXXX XXXX XXXX, they don't have my permission to furnish my information. if they have permission please give me the law. the law clearly states that they MAY share but that doesn't mean they don't have to. since I the consumer don't give permission. \nfurthermore, congress says \" except as provided in paragraph ( XXXX ) the term consumer report does not include report containing information solely as to transactions or experiences. '' So what is a payment History? It is a transaction, My transactions are excluded. so where does a late payment come from? so to summarize reporting of a late payment is illegal. \n\n15 USC 16802 Obligations with respect to disclosures of personal Information. \n15 USC 16802 ( b ) Opt-out A financial institution may not report Non- Public personal information to a non- affiliated third party unless there was 3 disclosures sent to me before that information can be exchanged and the consumer must agree to it. \n\nI was never notified of any disclosures before any information was exchanged. \n\n15 USC 1681 ( b ) 2 there must be one permission with written consent from the consumer and they must have a legitamate business reason or government/court order with out those factors they can not exchange information. \n\nthe law clearly states that they may furnish in accordance with written instructions of the consumer to whom it relates. \n\nIf Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\n15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!!","date_sent_to_company":"2024-09-22T09:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11427","tags":null,"has_narrative":true,"complaint_id":"10206889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-22T09:00:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The document <em>XXXX</em> sent me clearly says that <em>XXXX</em> doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make <em>XXXX</em> look like the nice guy. You are a <em>fraud</em>, i don't have to fill out anything. so get off my back!!!!"]},"sort":[12.7616415,"10206889"]},{"_index":"complaint-public-v1","_id":"10204330","_score":12.749908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification XXXX Federal Student Aid is making fraudulent claims that I owe them money. I've never had a contractual obligation with XXXX. I don't know who XXXX is and what a private company has to do with student loans. I believe that my student loans have been discharged Dept of Education sold my loan services to XXXX for pennies on a dollar. Now they are trying to bully me into paying them. These are deceptive debt collection practices according to the FDCPA and TILA. I've already sent them a 1099c. can you please tell me how my 1099c is fraudulent? Also all student loans have been forgiven. The document XXXX sent me clearly says that XXXX doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make XXXX look like the nice guy. You are a fraud, i don't have to fill out anything. so get off my back!!!! \n\n\n15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!! \n\nIf Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\n15 USC 1681 A ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report means any written, oral or other communication of any information regarding by consumer reporting agency bearing on a consumer 's credit worthyness. credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or part to serve as a factor for establishing a consumer 's eligibility for a credit or insurance to be used primarily for personal, family and wholesale purposes. ( b ) Employment purposes or ( c ) any purpose under 1681b. \n\nPlease stop sharing my information with 3rd party sources such as XXXX XXXX, Sage Stream, XXXX XXXX XXXX, they don't have my permission to furnish my information. if they have permission please give me the law. the law clearly states that they MAY share but that doesn't mean they don't have to. since I the consumer don't give permission. \nfurthermore, congress says \" except as provided in paragraph ( 3 ) the term consumer report does not include report containing information solely as to transactions or experiences. '' So what is a payment History? It is a transaction, My transactions are excluded. so where does a late payment come from? so to summarize reporting of a late payment is illegal. \n\n15 USC 16802 Obligations with respect to disclosures of personal Information. \n15 USC 16802 ( b ) Opt-out A financial institution may not report Non- Public personal information to a non- affiliated third party unless there was 3 disclosures sent to me before that information can be exchanged and the consumer must agree to it. \n\nI was never notified of any disclosures before any information was exchanged. \n\n15 USC 1681 ( b ) 2 there must be one permission with written consent from the consumer and they must have a legitamate business reason or government/court order with out those factors they can not exchange information. \n\nthe law clearly states that they may furnish in accordance with written instructions of the consumer to whom it relates. \n\nIf Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? \n\n15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!!","date_sent_to_company":"2024-09-22T09:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11427","tags":null,"has_narrative":true,"complaint_id":"10204330","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-22T09:00:48.000Z","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":["The document <em>XXXX</em> sent me clearly says that <em>XXXX</em> doesn't have any affiliates!!!!! \n\nalso don't ask me to fill out a fraudulent form and make <em>XXXX</em> look like the nice guy. You are a <em>fraud</em>, i don't have to fill out anything. so get off my back!!!!"]},"sort":[12.749908,"10204330"]},{"_index":"complaint-public-v1","_id":"3026132","_score":12.683729,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was notified via text message by Bank of America about two transactions that occurred on XX/XX/XXXX at XXXX XXXX XXXX. These transactions occurred while I was having dinner in XXXX, Washington. The first transaction at XXXX in the amount of {$1600.00} was approved by BOA and the second transaction at XXXX for {$430.00} was declined. I immediately responded via text message that these transactions were absolutely not mine and my account had somehow been compromised. I then called and spoke to a representative that same night who assured me I had nothing to worry about that my account would be closed, a new card issued to me, and that the charge at XXXX would be properly reversed as I had credit card fraud protection. Not once did this representative recommend that I file a police report or visit the merchant where the fraud occurred to discuss the fraudulent transaction. I called BOA again a couple days later to confirm the charge would be reversed and the representative assured me I had nothing to worry about and that the charge would be reversed. Again, no recommendation was made to file a police report or follow up with the merchant. \nOn XX/XX/XXXX, I received a letter stating my fraud dispute had been denied with absolutely no explanation provided in the letter. Not once did a representative from BOA contact me or leave a message about the fraudulent transaction that I disputed. I called BOA to find out why the fraud dispute was denied and the representative said the comments were completely bogus that a representative supposedly tried to contact me, but they couldnt reach me and the transaction appeared to fit my spending patterns. I was also told the fraud dispute would be reopened, but that the charge couldnt be reversed until I provided further documentation such as a police report. The representative also told me I needed to do my part to assist BOA. \nI called the store director at XXXX in XXXX XXXX on XX/XX/XXXX to discuss the situation and notify him of the fraud that occurred. He assured me that BOA had not contacted him about this transaction at all. He is currently investigating the transaction on my behalf and I have asked him to review any security video footage that will easily prove that I was not present when this transaction occurred. \nI am completely shocked and appalled by the treatment by BOA during this process. I find it ironic that the BOA fraud department perpetrated fraud against me by not actually doing any investigation whatsoever and denying my fraud claim. I have a credit score over 800, my household income is over {$500000.00}, I have no history of making fraud disputes on a regular basis, and I am a Certified Public Account who is held to a higher standard to maintain my professional license. There is absolutely no reason to believe that I am somehow lying about this fraudulent transaction and that BOA has essentially accused me of attempting to commit felony larceny. \nOn XX/XX/XXXX, I told the representative to close my credit card accounts immediately and that BOA has lost me as a customer forever. As of this posting, I am waiting for BOA to rectify this fradulent charge.","date_sent_to_company":"2018-09-21T18:08:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"3026132","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-09-21T17:57:46.000Z","state":"WA","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":["I find it ironic that the BOA <em>fraud</em> department perpetrated <em>fraud</em> against me by not actually doing any investigation whatsoever and denying my <em>fraud</em> <em>claim</em>. I have a credit score over 800, my household income is over {$500000.00}, I have no history of making <em>fraud</em> disputes on a regular basis, and I am a Certified Public Account who is held to a higher standard to maintain my professional license."]},"sort":[12.683729,"3026132"]},{"_index":"complaint-public-v1","_id":"17618233","_score":12.367736,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Previous Claim XXXX was closed due to we are unable to verify that you are the owner of the Cash App account in question. Cash App shares information in accordance with its Privacy Policy. \n\nWhen reaching out, please be prepared to provide the following information so that we may appropriately address your concerns The XXXX XXXXXXXX : XXXX XXXXXXXX ( XXXX XXXX XXXX ) Email address : XXXX Phone number associated with the account - XXXX On XX/XX/2025, at XXXX XXXX, I was defrauded of {$6400.00} by XXXX XXXX, who has since been indicted by a New York grand jury ( Case Docket XXXX ) for multiple fraud felonies. \n\nThe funds were sent through Cash App XXXX ID : XXXX of the amount {$6400.00}. \n\nThe recipient was XXXX XXXX, and in the payment memo I wrote : S.D ( security deposit ) & first month rent for XXXX XXXX XXXX XXXX XXXX. \n\nXXXX posed as a legitimate landlord/property manager. He showed me the apartment, provided deceptive lease documents, and induced me to transfer funds for first months rent and security deposit. Only later did I discover this was a sophisticated housing fraud with multiple victims. \n\nI reported the fraud immediately to both Cash App and XXXX  XXXX XXXX ( the linked funding account ). Cash Apps response : They refunded only {$250.00} out of {$6400.00} and then closed my claim, despite being given clear evidence : the deceptive lease documents, my XXXX police report, proof of multiple victims, and confirmation of XXXX indictment. \n\nXXXX  XXXX XXXX response : They also denied my Regulation E claim, saying that because I pressed send, it was authorized and thus a scam. I escalated to the OCC ( Case XXXX ), and although XXXX  XXXX XXXX reopened it, they denied it again on XX/XX/2025, telling me Cash App is the party responsible. \n\nThis leaves Cash App as the payment provider directly responsible for handling this transfer under Regulation E ( 12 CFR Part 1005 ). Fraud obtained by deception is not a valid authorization I did not intend to pay a criminal, I intended to pay a landlord. \n\nWhy This Violates Regulation E : Cash App failed to : Apply proper error-resolution procedures as required under Reg E. Provide provisional credit or reimbursement for the fraudulent transfer. Recognize that this was an unauthorized electronic fund transfer, despite the transaction being clearly induced by fraud.\n\nThe CFPB already fined Block , Inc. ( Cash Apps parent ) in XX/XX/2025 for this exact conduct, finding that Cash App : Failed to establish error-resolution procedures that comply with Regulation XXXX Misrepresented consumers rights in cases of fraud. Refused to reimburse fraud-induced transfers in violation of federal law. \n\nMy case is a direct repeat of these violations. Evidence I provided Cash App transaction ID and memo ( S.D & first month rent for XXXX XXXX XXXX XXXX XXXX ). Deceptive lease documents created by XXXX XXXX. XXXX  police report and case number. \n\nConfirmation of grand jury indictment against XXXX on XX/XX/2025. Proof of multiple victims tied to the same fraud scheme. \n\n\" XXXX District Attorney XXXX XXXX XXXX XXXX today announced the indictment of XXXX XXXX, XXXX, for allegedly stealing approximately {$20000.00} from at least five individuals by purportedly advertising a XXXX XXXX apartment for rent in XX/XX/2025. XXXX  is charged in a New York State Supreme XXXX  indictment with five counts of XXXX XXXX  in the XXXX XXXX, five counts of XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX and one count of XXXX XXXX XXXX in the XXXX XXXX. [ XXXX ] '' https : XXXX XXXX on Me. The {$6400.00} was my entire savings. I am a recent college graduate who moved to XXXX XXXX  XXXX with only two suitcases. Because Cash App refused to follow Regulation E, I have been left homeless and financially devastated. Requested Resolution I request that the CFPB : Compel Cash App ( Block, Inc. ) to reimburse the full {$6400.00} under Regulation E. Investigate Cash Apps systemic denial of fraud claims by misclassifying them as scams. \n\nEnsure Cash App brings its practices into compliance with the XX/XX/2025 CFPB enforcement order. Consumers should not lose everything simply because they were tricked into pressing send. This is exactly why Regulation E exists, and Cash App has failed to honor it.","date_sent_to_company":"2025-12-01T17:08:58.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"94115","tags":null,"has_narrative":true,"complaint_id":"17618233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-12-01T16:59:15.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When reaching out, please be prepared to provide the following information so that we may appropriately address your concerns The <em>XXXX</em> XXXXXXXX : <em>XXXX</em> XXXXXXXX ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Email address : <em>XXXX</em> Phone number associated with the account - <em>XXXX</em> On <em>XX/XX</em>/2025, at <em>XXXX</em> <em>XXXX</em>, I was defrauded of {$6400.00} by <em>XXXX</em> <em>XXXX</em>, who has since been indicted by a New York grand jury ( Case Docket <em>XXXX</em> ) for multiple <em>fraud</em> <em>felonies</em>."]},"sort":[12.367736,"17618233"]},{"_index":"complaint-public-v1","_id":"2148234","_score":12.292013,"_source":{"product":"Mortgage","complaint_what_happened":"I have been in conflict with JP Morgan Chase Bank about my note from Washington Mutual Bank since the year XXXX. The Federal Deposit Insurance Corporation is enabling Chase to use Washington Mutual Bank as a straw beneficiary on default notices, well after XXXX XXXX, XXXX, the date it closed Washington Mutual Bank. The county recorder records within the State of Nevada are riff with default notices some of which have been fully enforced to foreclosure, where the trust beneficiary is represented as PREVIOUSLY CLOSED WASHINGTON MUTUAL BANK. I have initiated a law suit in Federal Court as an effort for relief from Chase 's and its affiliates fraudulent foreclosure against my wife and my home. As in the case of a score of other Nevada homeowners, Chase subjected us to a foreclosure after filing a default notice on XXXX XXXX, XXXX, representing Washington Mutual Bank as the TRUST BENEFICIARY. The Case is identified as XXXX, Case No. XXXX. The Record consisting of our Complaint and the summary judgment Motion I filed just yesterday, is all that is required as document evidence exposing Chase Bank 's XXXX scheme. That involves use of default notices representing formerly closed Washington Mutual Bank as the trust beneficiary. Nevada leads the Nation in foreclosures. There are two attachments to my summary judgment motion that reveals precisely the reason foreclosures are running rampant in Nevada. The exhibits exposes the great deal of assistance the Nevada judiciary lends to Chase Bank with its XXXX foreclosure scheme and use of Washington Mutual Bank as trust beneficiaries on default notices. XXXX ( XXXX XXXX, XXXX ) explains precisely how the Nevada judiciary participates in the XXXX scheme. The opinion itself illustrates just how far the Nevada judiciary goes to defend banks that use fraudulent documents to foreclose. But it is the footnote of the opinion that explains how banks and like institutions get away with foreclosures through the use of fraudulent documents. After assuring the reader it does not condone or sanction fraud, the footnote amazingly precludes homeowners from raising fraud against documents produced by a bank/mortgage company at a mediation proceeding. But amazing, the preclusion, as shown by the footnote, extends to state court proceedings brought by an aggrieved homeowner from a mediation proceeding. The letters as attached exhibit XXXX of my summary judgment motion, is the pronouncement of the State 's administrator in charge of mediation of our being precluded from raising fraud and other criminal claims and defenses against Chase during our mediation that was conducted on XXXX XXXX, XXXX. Another thing : While violating XXXX XXXX. XXXX, impersonating a Federal employee, a Chase Bank employee executed a corporate assignment instrument in favor of JP Morgan Chase Bank, while representing herself as having been authorized by the FDIC to do so. Exhibit XXXX of my Federal complaint, is the administrative claim I sent to the Federal Deposit Insurance Corporation. It alleges complicity on the part of the FDIC in Chase Bank 's scheme. As in our case and a multitude of others, the FDIC is knowingly enabling Chase to use it as the source of acquisition of Washington Mutual notes, knowingly enabling Chase to use Washington Mutual as trust beneficiary on default notices, while the FDIC refuses to respond to homeowners who simply seek to validate or not Chase Bank 's FDIC acquisition claim. \nOn two prior occasions I have filed a complaint with the CFPB. I would conclude by stating Chase should not only not be to big to fail, but also not so big as to operate above the law. The above documents very serious felonies cognizable in Federal court as such. And again, my Federal case and the Record is all required","date_sent_to_company":"2016-10-11T18:36:30.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"89074","tags":"Older American","has_narrative":true,"complaint_id":"2148234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-10-05T15:42:36.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The letters as attached exhibit <em>XXXX</em> of my summary judgment motion, is the pronouncement of the State 's administrator in charge of mediation of our being precluded from raising <em>fraud</em> and other criminal <em>claims</em> and defenses against Chase during our mediation that was conducted on <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>. Another thing : While violating <em>XXXX</em> <em>XXXX</em>."]},"sort":[12.292013,"2148234"]},{"_index":"complaint-public-v1","_id":"8616045","_score":12.113466,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX at approximately XXXXXXXX XXXX pacific, MOHELA was contacted regarding my remaining student loan balance. At this date and time I was informed by XXXX ( XXXX # XXXX ) that my total remaining loan balance was {$4900.00}. The full balance was remitted and confirmation number : XXXX was issued. I was informed that the balance on the account was paid in full and had a XXXX balance ( {$0.00} USD ) as of XX/XX/XXXX. This was all documented on a recorded line. \n\nOn XX/XX/XXXX I received an invoice, notarized by U.S. Post, from MOHELA stating that I still owed a balance of {$4900.00} due on XX/XX/XXXX for the student loan account. \n\nThis constitutes financial fraud ( 34 CFR 685.102 220 ; 34 CFR 30.1-30.70 ; 34 CFR 668.171 176 ; 15 USC 1601 ), mail fraud ( 18 U.S.C. 1341, California Penal Code 530.5 ( e ) PC ), and tax fraud ( 26 U.S.C. 7201, 7203, 7206 ( 1 ) ). This fraudulent conduct on the part of MOHELA constitutes several additional felonious federal, state, and local violations ( felonies ) such as data fraud. \n\nOn XX/XX/XXXX at approximately XXXX XXXX. pacific, MOHELA was again contacted by telephone regarding the status and balance of my student loan account. At this date and time I was informed by XXXX ( XXXX # XXXX ) that my student loan account showed a XXXX balance ( {$0.00} USD ). It was confirmed by XXXX ( XXXX # XXXX ) that my student loan account showed a XXXX balance ( {$0.00} USD ), AND that there was an overpayment on the account in the amount of {$7.00} USD. It was determined at this time that I was charged interest on the account in the amount of {$7.00} USD. However, XXXX ( XXXX # XXXX ) stated that I had not been charged interest on the student loan account. However, it was determined on XX/XX/XXXX that I was charged interest on 2 loans in XXXX. Moreover, it was determined on XX/XX/XXXX that I was charged interest of {$13.00} USD per day on one loan. Additionally, it was determined on XX/XX/XXXX that I was charged {$33.00} USD on one loan. \n\nFurthermore, it was verbally stated by XXXX ( XXXX # XXXX ) on a recorded line that due the fact that I was allegedly not charged interest, I would not be issued any tax documentation for fiscal year XXXX. Moreover, XXXX ( XXXX # XXXX ) stated on a recorded line that due the fact that I was allegedly not charged interest, I would not be issued any tax documentation for fiscal year XXXX. Additionally XXXX ( XXXX # XXXX ) stated only interest in excess of {$600.00} USD would be issued 1099 tax documents. This constitutes tax fraud ( 26 U.S.C. 7201, 7203, 7206 ( 1 ). XXXX was unwilling or unable to provide the confirmation number ( XXXX ) confirming payment status and account status. XXXX was unwilling or unable to provide tax information confirming the known amounts and charges. \n\nThis is a new complaint. This is not a duplicative or repetitive claim. \nFurthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.","date_sent_to_company":"2024-03-25T16:02:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"91106","tags":null,"has_narrative":true,"complaint_id":"8616045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-03-25T15:55:58.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["This fraudulent conduct on the <em>part</em> of MOHELA constitutes several additional felonious federal, state, and local violations ( <em>felonies</em> ) such as data <em>fraud</em>. \n\nOn XX/XX/<em>XXXX</em> at approximately <em>XXXX</em> <em>XXXX</em>. pacific, MOHELA was again contacted by telephone regarding the status and balance of my student loan account. At this date and time I was informed by <em>XXXX</em> ( <em>XXXX</em> # <em>XXXX</em> ) that my student loan account showed a <em>XXXX</em> balance ( {$0.00} USD )."]},"sort":[12.113466,"8616045"]},{"_index":"complaint-public-v1","_id":"3740201","_score":12.052733,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the victim of credit card fraud from an ex girlfriend who used my cards for her own personal gain using 3 separate credit cards from XX/XX/XXXX to XX/XX/XXXX without my permission and without my knowledge. One of these cards is through XXXX XXXX XXXX. I have cleared the fraudulent charges on my other two cards by submitting a fraud report to those companies, but XXXX has refused to do a fair and impartial investigation to clear the debt from my name even with the substantial evidence which has been presented to them. I am submitting this complaint due to violations committed by XXXX XXXX XXXX under the Fair Debt Collection Practices Act and Fair Credit Billing Act. The final complaint submitted to XXXX XXXX XXXX was received with the following statement made by them in writing which outlines their lack of investigations. \" We previously responded to your concerns in our enclosed letter dated XX/XX/XXXX, in which we enclosed a copy of the Card member Agreement that says on page 1 that you, as the Primary Card member, are responsible for all charges made including anyone you permit to use your account. '' They then proceed to state \" Although we understand your claim that your ex-girlfriend used the credit card without your permission, you acknowledge that you made and agreement with her to repay you for the purchases and acknowledge that you allowed her to handle your finances. We consider this to be a civil matter, not fraud, and best handled outside of the credit card industry. Our decision remains unchanged '' This letter was received by myself on XX/XX/XXXX and is entirely inaccurate on the information submitted to XXXX XXXX XXXX on the fraud report and continues to be perpetuated by false information reported to the credit bureaus as well. When I submitted the report of the fraudulent activity, I never stated I asked the ex-girlfriend to repay ME for these fraudulent charges, I offered her the ultimatum to repay the fraudulent charges to XXXX and clear the credit card of all debt or to face criminal prosecution. She then made a few payments on the card, but then recanted her promise to pay and was ultimately charge with two felony charges by the XXXX, NC Police Department. XXXX also inaccurately states that I claimed this ex-girlfriend handled my finances. At no time has she ever handled my fiances and this information is completely inaccurate. However, even if this information WAS accurate, there is no place under the law that would excuse felony credit card fraud and identity theft and make this matter a civil matter. XXXX has not once called me after repeated requests and complaints over this matter to actually conduct an accurate and thorough interview. After this last \" investigation '' I received a call stating an investigator name XXXX would contact me in the coming days as she works on the investigation. I never received that call, in fact there was no information provided by me at all in this investigation other than information they claim I provided and used that is full of inaccuracies entered from their initial investigation two years ago. Instead, I received a letter stating \" Our decision remains unchanged '' and then cites inaccuracies that persist from the initial investigation 2 years ago that I have continued to point out are incorrect. I have had nothing to do with this re-investigation and they appear to simply be reading someone else 's notes and then copying what they had to say which includes falsehoods such as \" He allowed her to use his card '' or \" You allowed her to handle your finances '' when in reality they are misapplying statements that were made about unrelated items. I have never had the chance to have a fair and ACCURATE investigation as it is glaringly obvious XXXX does not want to conduct a real investigation because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their investigations but has never validated or even contacted me to verify any of the information which they seem to use to make their determination. 1. I allowed the ex-gf to use the cards. -I made it abundantly clear to XXXX XXXX XXXX I never authorized nor knew about the fraudulent charges. Once I discovered the illegal charges, I gave the person who was still a current girlfriend at the time the ultimatum to repay the money for the theft ( to the credit card companies ) or I would file criminal charges. The reason I did not immediately file criminal charges is to avoid her becoming a convicted felon. She was at the end of two years of college classes to become an XXXX   and was almost ready to graduate and she was also a XXXX  mother. As stated earlier, we were still romantically involved and I did not want to ruin years of schooling for her XXXX. Instead, trying to be fair, I offered her the chance to make things right with the credit card companies or turn her over to the police, but ultimately that would be her decision. The woman in question did make payments to the cards for a short period of time then stopped entirely and directly refused to pay off her fraudulent charges. By the time I filed criminal charges I had ended the relationship, removed her from my home, and reported the fraud she had committed to the credit card companies. I attempted to make the credit card companies whole by first giving her ( the ex-gf ) the opportunity to repay the money and avoid prosecution. It seemed like the \" nice-guy '' option as everyone would win in this scenario. She would avoid any charges and could continue on her career as a XXXX  and set a good example to her children ( she was also a XXXX   mother ), the credit card companies would be repaid in full PLUS interest on her fraudulent charges, and I would not have to deal with this nightmare of fighting to clear my name of charges I did not authorize or know about. XXXX now contends that makes this a \" civil '' matter. I directly dispute that allegation as I have consulted with my local police department who agree, this is a criminal matter and on XX/XX/XXXX filied one charge of Financial Transaction Card Fraud. An additional charge of Felony Identity Theft was added by Investigator XXXX on XX/XX/XXXX. As explained to me by Investigator you can not make a felony into a civil matter, and allowing her to repay the money to XXXX  is actually called \" continuation of a felony ''. The investigator stated it would not be something you would likely understand and obviously you were trying to do what is right, but XXXX XXXX XXXX absolutely should know that a felony can not be absolved by paying restitution it simply \" continues '' even if the debt was cleared, however that was not the case here as the ex-gf failed to pay the money as promised. 2. XXXX alleges I allowed my ex-gf to \" handle my finances ''. Once again, this information is completely false and results in massive assumptions compiled by information that had to be twisted by the initial investigator. The information provided to the initial investigator that could only be where the investigator drew this conclusions was when I stated the now ex paid \" all the bills of the house '' meaning she had the lights, cable, rent etc in her name. I was NOT on the lease, I was not joint on any account with her of any kind. I simply paid her half of these items in cash to pay these house hold items. I lived with her, but the lease of that rental was in her name. To be fair, I paid my fair share of items that were used, but at no point did she handle my finances. I had my own bank account which she was not on, I paid all my own items such as cell phone, insurance, car payment, student loans etc myself. They came from my bank account which was again in my name. The only reason the household bills were ever mentioned to the initial investigator was because after reviewing the fraudulent charges, I noticed she was paying 100 % of these \" household bills '' with the stolen funds from my credit card AND collecting half of the bills from me personally in cash as well. So she was avoiding paying any of the bills since she was adding them to the cards, then still taking cash from me as if she was adding it to her money and sending out checks to pay those bills. I even discovered at least two forged credit card checks she used to pay the rent to the land lord, but once again also got half of the rent from me in cash. As a result, she managed to not pay any of the bills in her name for several months, collect money from me, and later also used the stolen card information to pay HER personal bills such as car insurance, cell phone bill, buy items online for her children, pay her child 's cell phone bill, put gas in har car, etc. That was all discovered shortly after I purchased my home and was confronted with the massive amount of credit card debt by my mortgage broker who then explained my credit bureau was showing maxed out cards. However, the \" investigators '' from XXXX also got this information wrong and somehow turned this into the ex must have had access to all my finances etc. They have failed to do any semblance of an investigation and have simply rehashed old inaccurate information and placed notes on the account never actually doing anything. As a result, I am filing this complaint with copies of the police report as well as the statutes of both State and Federal laws  which prove without a double that what XXXX alleges is civil is entirely criminal. There is no reason for this account to still be appearing on my credit bureau when the information they have been provided proves this account is the result of Credit Card Fraud! For  XXXX XXXX XXXX to continue to report this as a charge off and reporting this information as accurate is a concerted effort to intentionally inflict damages upon me for refusing to pay on this account due to the fact it is fraud. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. It is obviously clear that there is no defense alleged by XXXX in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of fraud, as well as the local police department who have filed two felony charges against her. So, how can XXXX possibly make the claim to find this matter civil? The last time I checked the Prosecutors and Police officers who do this for a living decide what is a crime based on these very statutes, especially since they saw fit to file charges for the actions of this now ex-girlfriend. So what then could possibly motivate XXXX to continually file false information that my account information is \" accurate '' when the LAW says it is not just criminal, but FELONY charges that were committed. My rights under the Fair Debt Collection Act have been violation due to intentional and deceptive collection practices, unfair reporting of false information, and illegally reporting inaccurate information to creditors damaging my credit score resulting in higher interest rates on my home, car insurance, as well as knowingly keeping that false information on my credit bureau. They have also violated my rights under the Fair Credit Billing Act knowingly failing to investigate my claim of fraud and simply passing of their \" investigation '' as completed. This is obvious with prima facia evidence that they continue to claim the fraudulent charges are civil when their are a half dozen statutes listed that contradict their own statements. They are not qualified to make legal decisions on what is or is not fraud when the law has already clearly defined the actions that occurred in my case fall directly in the definition of credit card fraud. Cards were used without my knowledge, items were purchased over the internet falling under federal statutes, signatures on receipts were signed under my name which were then forgeries, credit card checks were cashed using my name to pay rent also adding to the fraud under Forgery of Financial Transaction and Receipt and Concealment of Goods Obtained by Use of Card. There is Statute after Statute that directly covers EVERYTHING that  happened to me as a victim of fraud, but XXXX XXXX XXXX wants to fake an investigation and call it civil. To continue this narrative is not just unjust, but it is borderline criminal on their part knowing that the lasting effects of their information is directly harming me financially. That is likely their motive for continuing to respond in the manner that they are an I surely hope an investigation is conducted by CFPB and additional fines and punitive damages are levied against them for their deceptive and illegal business practices.","date_sent_to_company":"2020-07-10T12:26:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3740201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-10T12:26:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It is obviously clear that there is no defense alleged by <em>XXXX</em> in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of <em>fraud</em>, as well as the local police department who have filed two <em>felony</em> charges against her. So, how can <em>XXXX</em> possibly make the <em>claim</em> to find this matter civil?"]},"sort":[12.052733,"3740201"]},{"_index":"complaint-public-v1","_id":"12969600","_score":11.61228,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America Credit Card XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These account were closed without my consent due to terrorists that have been running a XXXX  and XXXX XXXX XXXX The defame my wife and I claiming that we do not honor our debts and that we plan maxing out our credit card and fleeing the country. They have threatened to deport my wife and I, we are honest hard-working XXXX, we have earned our rights through our service and loyalty to this country, our country. They have been using XXXX XXXX XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have been attack me in an ongoing way for the last 4-5 years using multiple forms of torture including, most specifically XXXX XXXX, felony stalking and XXXX They stole my biodata by inflicting XXXX XXXX and other XXXX XXXX they did this to steal my biodata ( concrete ) using XXXX XXXX by attempting to make the torture which includes an XXXX XXXX XXXX XXXXXXXX XXXX multiple forms of torture ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) We are in the process of working with FBI and XXXX in order to get the situation resolved. They have gone after members of my family and friends with threats and coercions without proof that they have XXXX XXXX most of them, with the exception of the XXXX XXXX in our family and a houseguest they XXXX, which is still under investigation. They have threaten the lives of the next of kin of the XXXX family, they are scared to come forward to defend their own XXXX  mother. They continue to propagandize defamations, terrorist threats to elected officials ( mayors, senators, judges, XXXX military, veterans, the XXXX, XXXX institutions ). They attempt to assign my biodata ( which they stole by using radiological torture, to steal my biodata using XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX ) to the XXXX XXXX essentially those who can not speak for themselves to attempt to flout the law and not be held accountable for the war crimes, defamations, felony stalking, privacy rights violation, human rights violations, XXXX XXXX XXXX XXXX defamation XXXX XXXX XXXX XXXX XXXX XXXX XXXX and human rights violations and crimes against humanity which is their clear intent with the exception of the unreported accidental XXXXXXXX XXXX  which they also confessed to as when as the bulk of crimes for which there are witnesses, other crimes include witness tampering, jury tampering, terrorist threatening federal judges and law enforcement, foreign nationals and diplomats, including threatening the lives of their children and families for the sake of coercion to further execute sedition and treason. \n\nThe committed identity fraud which affected my credit file, which resulted in the closure of multiple credit cards/ Tradelines, in order to give the appearance that there is irresponsible borrowing taking place even though my credit files with all three bureaus have stellar payment history with over a decade of credit history without any late payments, not a single one, because as part of the torture and defamation campaign, the which to undermine my and my wife 's, financial credit as a way to undermine our credibility so that as my family and I come forward regarding the radiological torture and war crimes that have taken place against me along with the war crimes that they have inflicted, is seen with doubt and incredulity. We are working with law enforcement in order to get the situation resolved, the radiological torture against me stopped, the terrorist captured, the virus contained and the country made safe again for all, including those who may have potentially been exposed, which we try to discover the extent of the potential exposure to the virus.","date_sent_to_company":"2025-04-15T10:34:10.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"06118","tags":"Servicemember","has_narrative":true,"complaint_id":"12969600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-15T10:31:15.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The committed identity <em>fraud</em> which affected my credit file, which resulted in the closure of multiple credit cards/ Tradelines, in order to give the appearance that there is irresponsible borrowing taking place even though my credit files with all three bureaus have stellar payment history with over a decade of credit history without any late payments, not a single one, because as <em>part</em> of the torture and defamation campaign, the which to undermine my and my wife 's, financial credit as a way to undermine"]},"sort":[11.61228,"12969600"]},{"_index":"complaint-public-v1","_id":"12974094","_score":11.555201,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Chase Sapphire Reserve Chase Freedom These account were closed without my consent due to terrorists that have been running a defamation and radiological torture campaign. The defame my wife and I claiming that we do not honor our debts and that we plan maxing out our credit card and fleeing the country. They have threatened to deport my wife and I, we are honest hard-working XXXX, we have earned our rights through our service and loyalty to this country, our country. They have been using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have been attack me in an ongoing way for the last 4-5 years using multiple forms of torture including, most specifically radiological torture, felony stalking and defamation. They stole my biodata by inflicting radiological torture and other war crimes, they did this to steal my biodata ( concrete ) using radiological torture by attempting to make the torture which includes an XXXX XXXX XXXX XXXXXXXX XXXX multiple forms of torture ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) We are in the process of working with FBI and XXXX in order to get the situation resolved. They have gone after members of my family and friends with threats and coercions without proof that they have radiologically torture most of them, with the exception of the XXXX XXXX in our family and a houseguest they XXXX which is still under investigation. They have threaten the lives of the next of kin of the XXXX family, they are scared to come forward to defend their own XXXX  mother. They continue to propagandize defamations, terrorist threats to elected officials ( mayors, senators, judges, XXXX military, veterans, the XXXX, XXXX institutions ). They attempt to assign my biodata ( which they stole by using radiological torture, to steal my biodata using radiological torture and war crimes, to inflict radiological torture and war crimes ) to the XXXX XXXX, essentially those who can not speak for themselves to attempt to flout the law and not be held accountable for the war crimes, defamations, felony stalking, privacy rights violation, human rights violations, XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and human rights violations and crimes against humanity which is their clear intent with the exception of the unreported accidental infant deaths which they also confessed to as when as the bulk of crimes for which there are witnesses, other crimes include witness tampering, jury tampering, terrorist threatening federal judges and law enforcement, foreign nationals and diplomats, including threatening the lives of their children and families for the sake of coercion to further execute sedition and treason. \n\nThe committed identity fraud which affected my credit file, which resulted in the closure of multiple credit cards/ Tradelines, in order to give the appearance that there is irresponsible borrowing taking place even though my credit files with all three bureaus have stellar payment history with over a decade of credit history without any late payments, not a single one, because as part of the torture and defamation campaign, the which to undermine my and my wife 's, financial credit as a way to undermine our credibility so that as my family and I come forward regarding the radiological torture and war crimes that have taken place against me along with the war crimes that they have inflicted, is seen with doubt and incredulity. We are working with law enforcement in order to get the situation resolved, the radiological torture against me stopped, the terrorist captured, the virus contained and the country made safe again for all, including those who may have potentially been exposed, which we try to discover the extent of the potential exposure to the virus.","date_sent_to_company":"2025-04-15T10:37:18.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"06118","tags":"Servicemember","has_narrative":true,"complaint_id":"12974094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-15T10:34:09.000Z","state":"CT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Chase Sapphire Reserve Chase Freedom These account were closed without my consent due to terrorists that have been running a defamation and radiological torture campaign. The defame my wife and I <em>claiming</em> that we do not honor our debts and that we plan maxing out our credit card and fleeing the country."]},"sort":[11.555201,"12974094"]},{"_index":"complaint-public-v1","_id":"12974060","_score":11.552399,"_source":{"product":"Credit card","complaint_what_happened":"Chase XXXX XXXX These account were closed without my consent due to terrorists that have been running a XXXX XXXX XXXX XXXX XXXX The defame my wife and I claiming that we do not honor our debts and that we plan maxing out our credit card and fleeing the country. They have threatened to deport my wife and I, we are honest hard-working XXXX, we have earned our rights through our service and loyalty to this country, our country. They have been using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on us. They have been attack me in an ongoing way for the last 4-5 years using multiple forms of torture including, most specifically radiological torture, felony stalking and defamation. They stole my biodata by inflicting radiological torture and other war crimes, they did this to steal my biodata ( concrete ) using radiological torture by attempting to make the torture which includes an XXXX XXXX XXXX XXXX XXXX  multiple forms of torture ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) We are in the process of working with FBI and XXXX in order to get the situation resolved. They have gone after members of my family and friends with threats and coercions without proof that they have radiologically torture most of them, with the exception of the minor children in our family and a houseguest they murdered, which is still under investigation. They have threaten the lives of the next of kin of the XXXX family, they are scared to come forward to defend their own XXXX  mother. They continue to propagandize defamations, XXXX threats to elected officials ( mayors, senators, judges, XXXX military, veterans, the XXXX, XXXX institutions ). They attempt to assign my biodata ( which they stole by using radiological torture, to steal my biodata using radiological torture and war crimes, to inflict radiological torture and war crimes ) to the XXXX XXXX, essentially those who can not speak for themselves to attempt to flout the law and not be held accountable for the war crimes, defamations, felony stalking, privacy rights violation, human rights violationsXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and human rights violations and crimes against humanity which is their clear intent with the exception of the unreported accidental infant deaths which they also confessed to as when as the bulk of crimes for which there are witnesses, other crimes include witness tampering, jury tampering, terrorist threatening federal judges and law enforcement, foreign nationals and diplomats, including threatening the lives of their children and families for the sake of coercion to further execute sedition and treason.\n\nThe committed identity fraud which affected my credit file, which resulted in the closure of multiple credit cards/ Tradelines, in order to give the appearance that there is irresponsible borrowing taking place even though my credit files with all three bureaus have stellar payment history with over a decade of credit history without any late payments, not a single one, because as part of the torture and defamation campaign, the which to undermine my and my wife 's, financial credit as a way to undermine our credibility so that as my family and I come forward regarding the radiological torture and war crimes that have taken place against me along with the war crimes that they have inflicted, is seen with doubt and incredulity. We are working with law enforcement in order to get the situation resolved, the radiological torture against me stopped, the terrorist captured, the virus contained and the country made safe again for all, including those who may have potentially been exposed, which we try to discover the extent of the potential exposure to the virus.","date_sent_to_company":"2025-04-15T10:53:00.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"06118","tags":"Servicemember","has_narrative":true,"complaint_id":"12974060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-15T10:37:51.000Z","state":"CT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They have been using <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> on us. They have been attack me in an ongoing way for the last 4-5 years using multiple forms of torture including, most specifically radiological torture, <em>felony</em> stalking and defamation."]},"sort":[11.552399,"12974060"]},{"_index":"complaint-public-v1","_id":"12974367","_score":11.510251,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX Credit Card XXXX Wayfair Credit Card XXXX XXXX XXXX XXXX XXXX XXXX account were closed without my consent due to terrorists that have been running a defamation and radiological torture campaign. The defame my wife and I claiming that we do not honor our debts and that we plan maxing out our credit card and fleeing the country. They have threatened to deport my wife and I, we are honest hard-working Americans, we have earned our rights through our service and loyalty to this country, our country. They have been using weaponized military grade weapons to inflict radiological torture and war crimes on us. They have been attack me in an ongoing way for the last 4-5 years using multiple forms of torture including, most specifically radiological torture, felony stalking and defamation. They stole my biodata by inflicting radiological torture and other war crimes, they did this to steal my biodata ( concrete ) using radiological torture by attempting to make the torture which includes an murder attempted, murder, XXXX assault, multiple forms of torture ( radiological, nuclear, physical, biological, chemical, psychological, microwave, projectiles weapons ) We are in the process of working with FBI and XXXX in order to get the situation resolved. They have gone after members of my family and friends with threats and coercions without proof that they have radiologically torture most of them, with the exception of the minor children in our family and a houseguest they murdered, which is still under investigation. They have threaten the lives of the next of kin of the XXXX family, they are scared to come forward to defend their own deceased mother. They continue to propagandize defamations, XXXX threats to elected officials ( mayors, senators, judges, U.S. military, veterans, the XXXX, American institutions ). They attempt to assign my biodata ( which they stole by using radiological torture, to steal my biodata using radiological torture and war crimes, to inflict radiological torture and war crimes ) to the deceased, infants, essentially those who can not speak for themselves to attempt to flout the law and not be held accountable for the war crimes, defamations, felony stalking, privacy rights violation, human rights violations, XXXX XXXX XXXX XXXX defamation propagandizing of the deceasedXXXX XXXX XXXX XXXX XXXXnd human rights violations and crimes against humanity which is their clear intent with the exception of the unreported accidental infant deaths which they also confessed to as when as the bulk of crimes for which there are witnesses, other crimes include witness tampering, jury tampering, XXXX threatening federal judges and law enforcement, foreign nationals and diplomats, including threatening the lives of their children and families for the sake of coercion to further execute sedition and treason. \n\nThe committed identity fraud which affected my credit file, which resulted in the closure of multiple credit cards/ Tradelines, in order to give the appearance that there is irresponsible borrowing taking place even though my credit files with all three bureaus have stellar payment history with over a decade of credit history without any late payments, not a single one, because as part of the torture and defamation campaign, the which to undermine my and my wife 's, financial credit as a way to undermine our credibility so that as my family and I come forward regarding the radiological torture and war crimes that have taken place against me along with the war crimes that they have inflicted, is seen with doubt and incredulity. We are working with law enforcement in order to get the situation resolved, the radiological torture against me stopped, the XXXX captured, the virus contained and the country made safe again for all, including those who may have potentially been exposed, which we try to discover the extent of the potential exposure to the virus.","date_sent_to_company":"2025-04-15T10:31:05.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"06118","tags":"Servicemember","has_narrative":true,"complaint_id":"12974367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-15T10:27:43.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit Card <em>XXXX</em> Wayfair Credit Card <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> account were closed without my consent due to terrorists that have been running a defamation and radiological torture campaign. The defame my wife and I <em>claiming</em> that we do not honor our debts and that we plan maxing out our credit card and fleeing the country."]},"sort":[11.510251,"12974367"]},{"_index":"complaint-public-v1","_id":"7070300","_score":11.482022,"_source":{"product":"Checking or savings account","complaint_what_happened":"RE : Checking Account # XXXX Chime Dispute # XXXX / XXXX / XXXX / XXXX Since I opened the account with Chime, I have encountered numerous alarming instances of criminal negligence by their ( evidently ) limited English-speaking/understanding customer support staff ( who mainly are outsourced from XXXX, tXXXX XXXX XXXX etc. ), abroad, communicate, comprehend/process what you are saying react accordingly, and solve a ( simple ) problem in their job description. \n\nNote : They failed to add all mentioned fraudulant charges in my initial report/dipute # XXXX I later needed to dispute XXXX more charged seperately that is still pending dispute # XXXX There's no better way to describe ( factually ) the level of incompetence, infantile mental capacity, and criminal negligence of their pseudo : Bank front and customer support, that they falsely present to their customers ( I being one of them ). \n\nFor example : Details on the XXXX dispute # XXXX initially filed XX/XX/XXXX at XXXX : XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX ) - XXXX XXXX - {$86.00} * XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX )- XXXX - {$52.00} * XXXXXXXX XXXX XXXX ( \" XXXX '' XXXX )- XXXX - {$13.00} * XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX )- XXXX - {$6.00} * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$53.00} * XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) - XXXX XXXX - {$7.00} * XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX XXXX - XXXX XXXX - {$86.00} ( Note : This was left out by chime in the first dispute ) I filed it XXXX. This charge was later added in dipute # XXXX upon my discovery. ) XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX ) - XXXX XXXX XXXX {$88.00} *. Total Losses : {$390.00} Deatails of dispute # XXXX : XXXXXXXX XXXX XXXXXXXX ( \" XXXX '' XXXX ) - XXXX XXXX XXXX {$86.00} * -- I say all this with experience/evidence, and can prove their rogue operation 's criminal negligence/acts. \nNote : that they claim that they record calls with customers, so you may be able to get a copy of calls ( if need be ). I also have records of their criminal acts, that can prove their ill-will from their over-simplified run infantile business. \ni.e. : Their intent to deceive and scheme to defraud multiple customers with their false : XXXX XXXX and Debit Card/ Credit Card service. \n\nWhat they present and falsely advertise to customers on social media and online is far from what you ( actually ) receive. Features/Services that they claim ( XXXX ) they provide ( e.g. : Mobile Deposit of Checks into your Checking Account ) all of a sudden don't work or are not available. \nWhen you ask why, they have no sensible, realistic, or grounded reason to explain to you why its not working or available; other than some vague/ambiguous excuse if any. They then try to point at their ever-changing, on-the-fly terms and conditions which try to wave their need to provide the services they promised and advertised. i.e. : Basic banking features. \n\nMy biggest complaint at this point is with their companys deliberate mishandling of my grounded disputes in the past. Where ( evidently ) they willfully over-simplify the complaint and submittal of the dispute to the related merchant and Visa ( IF AT ALL ). And in turn, the dispute itself ( i.e. if they { actually } dispute it, after you filed it ) gets denied because of their rogue infantile operation and criminal negligence. \nWhen you ask for documents to show you what they've submitted on your behalf and what the merchant ( and/or Visa ) submitted in response, the only thing they send you is a very vague ambiguous short non-nonsensical frivolous/ridiculous ( canned ) reason, as to why they denied my dispute and decided in favor of the merchant. \n\nIn a recent dispute that I filed for fraud, some criminal ( possibly a cashier at XXXX XXXX ) skimmed my Debit Card and used my Debit Cards details and/or clone of my Debit Card to fraudulently make multiple purchases at Merchants ( either online and/or in person ). Furthermore, I never purchased anything from these merchants before using my Chime account. \nWhen I called CHIME Customer Support to report the multiple fraudulent charges that I discovered, I yet again got a Customer Service agents with a limited ability to : pay attention, mentally process, and thoroughly communicate, what I'm reporting to them ; these agents simply read a script ( like a Bot ) and XXXX their Customer Support position, in the hopes they fool you to trust that they will properly report/dispute the charges with VISA. Only to discover that they again deliberately submitted a partial, incomplete and infantile dispute, causing it to be \" denied '' within a week or so of initially being disputed. \n\n\n\n\nAccount Number Ending In : XXXX | Claim ID : XXXX Date Error Reported : XX/XX/XXXX | Claim Amount : {$220.00} They then offered to send me documents To show me what they submitted for the dispute and how they came to that conclusion and decision where they claim Visa denied it. I have evidence to believe that they themselves denied it and not Visa, By the timeline, it took them to get back to me with the denial. Then later not given me the paperwork they promised to show me evidence how to how they disputed the charges. To this day, I have yet to receive any documents for the fraudulent dispute, where my Debit Card was skimmed ( i.e. Debit Card Details were covertly copied by a thief ) and used multiple times by a criminal without my consent or knowledge.\n\nAnd they keep giving me a false promise to either, email me or mail me letter with all relative information and communications with the VISA and the merchants. \n\nIn turn, they are ( but not limited to ) committing the criminal acts of : Scheming to Defraud multiple people, False Advertising, and running their rouge operation with severe Criminal Negligence by aiding and abetting and acting in concert with Credit Card/Debit Card thieves/scammers ( which makes them guilty of the following criminal acts committed, under Accessorial liability, and Culpability ). \n\n[ Criminal Charges they are guilty of under NY State Penal Code Law ] : - Culpability ( XXXX ) - Criminal liability for conduct of another ( XXXX ) - Criminal liability of corporations. to the following ( XXXX ) - Criminal Possession of Stolen Property in the fourth degree ( XXXX, section 2 / Class D Felony ) - Forgery in the second degree ( XXXX, section 1 / Class D Felony ) - Criminal Impersonation in the second degree ( XXXX sections 1 and 4 / Class A Misdemeanor ) - Scheme to defraud in the first degree ( XXXX section 1 part C / Class E Felony ) - Unlawful Possession of a Skimmer Device in the first degree ( XXXX / Class E Felony ) - Unlawful Possession of Personal Identification Information in the Second Degree ( XXXX ) - Grand Larceny in the fourth degree, section 2 ( XXXX / Class E Felony in NY XXXX ) The fact that the Criminal committed several felonies listed above, it therefore also constitutes : - Identity Theft in the second degree ( XXXX section 3 { possibly Section 4 } ). \n\nI'm supposed to be protected and insured by VISA in such instances of fraud ; yet evidently by whatever willful inaction, support/suppression of criminal acts, or incompetent means of this rogue Online Bank ( CHIME ) company, that insurance is basically pseudo and nonexistent. \nEspecially when infantile CHIME employees ( with the { mental/communication } capacity of a peanut ) act as your ( telephone-game ) translator ( if you will ) and middlemen to VISA. \nTheir staff on recorded lines have proven their incompetence/carelessness on multiple occasions. \ni.e. : In processing/comprehending ( what they are hearing ) and communicating properly in XXXX, executing a proper investigation/submittal for a Debit or Credit Card dispute, then responding and acting upon a request of VISA or the Customer. \nXXXX. : When I asked them numerous times to provide me with documents to prove what they've done, submitted and how that decision came to be. \nThe lack of providing that documentation acts as circumstantial evidence, makes them suspect, and points to the likelihood that they knowingly/willfully mishandled the dispute. \n\nCausing this and previous disputes to be denied either by their back-end without even submitting it to VISA ( and CHIME pretending they did ) ; or by VISA, because of their criminal negligence/acts, and infantile communication or execution. \n\nThen they try to hide their willful criminal negligence, and rogue operation by not providing you a copy of what they submitted and what they did to try to investigate your dispute. \n\nI've asked them numerous times to give me the address of their corporate headquarters and legal department ; but they keep telling me the only way to contact their corporate Headquarters, is via email ; which never gave me access to a corporate level that could fix these issues. \n\nI'm quite sure they have enough, customers making complaints to them at some level, and some means of gathering that feedback from customers. Their continued willful acts of negligence, makes it evidential that their corporate Headquarters supports their XXXX Bank operation ( under the guise as a \" Online Bank '' ). \n\nI have spent a great deal of time and money trying to communicate issues with their operation and mishandled disputed charges with them ; but their deviant staff carelessly hide behind their computers and simply try to troll/exhaust you, by sending you canned, patronizing, dismissive, evasive, sidestepping and disingenuous responses .... in the hopes you give up on whatever you're trying to bring to their attention ( and have them rectify ). I'm requesting your Bureau investigate this criminal operation, file criminal charges against those involved, and seek restitution for victims, that have been negatively affected by their rogue operation. \n\nIn the past, when I filed a dispute against XXXX ( I think claim # XXXX ), I caught their staff lying to me ( in writing ), that XXXX claimed the disputed amount was already refunded, even before I received the item : Basically claiming : an item ordered ( let 's say ) XX/XX/XXXX, was refunded by XXXX XX/XX/XXXX ( for no reason at all ) while it was still en route to get to me on the XX/XX/XXXX. \nWhen I brought this to CHIME 's attention by phone and email, they kept dancing-around concrete evidence with the same canned response trolling, hoping that I give up on pointing-at-the-elephant-in-the-room ( in a matter of speaking ) and take the loss. \n\nThey have committed several acts of fraud against me ( and I'm sure thousands of others ) with their Scheme to Defraud. I therefore wish to press criminal charges against those responsible within the company. Other than my demand for restitution. \n\nTo this day, I've lost thousands of dollars damages/losses because of them, other than time spent trying to communicate issues to their company and merchants ( when filling disputes ). \nI can provide you with dates/recordings/emails and more detail if youre interested and can help rectify this. Just let me know where to send them and in what format. \n\nThank you for your time.","date_sent_to_company":"2023-06-05T14:47:31.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11377","tags":null,"has_narrative":true,"complaint_id":"7070300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-06-05T13:40:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["first degree ( <em>XXXX</em> section 1 <em>part</em> C / Class E <em>Felony</em> ) - Unlawful Possession of a Skimmer Device in the first degree ( <em>XXXX</em> / Class E <em>Felony</em> ) - Unlawful Possession of Personal Identification Information in the Second Degree ( <em>XXXX</em> ) - Grand Larceny in the fourth degree, section 2 ( <em>XXXX</em> / Class E <em>Felony</em> in NY <em>XXXX</em> ) The fact that the Criminal committed several <em>felonies</em> listed above, it therefore also constitutes : - Identity Theft in the second degree ( <em>XXXX</em> section 3 { possibly Section 4 } )."]},"sort":[11.482022,"7070300"]},{"_index":"complaint-public-v1","_id":"5157851","_score":11.449792,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Fraud Claim On XXXX XXXX, I was part of a felony robbery in XXXX, Tennessee ( more than {$10000.00} in goods and money stolen in the state of Tennessee ), including physical items such as XXXX XXXX XXXX as well as credit and debit cards taken and used immediately for high-dollar transactions. \n\nOn XX/XX/XXXX- the same day as the incident - I immediately informed all financial institutions and law enforcement of my situation. Law enforcement further investigated my situation, sending an officer to come interview, collect evidence elsewhere, and pursue the person or ring that committed the crime. \n\nOn XXXX XXXX, after I explained what happened to them, Charles Schwab Bank extended provisional credit of {$3900.00} while they investigated my case. During the following three months, I did not hear from any representative of XXXX XXXX to update or inquire for any details about my case. I did not receive any inquiry from any official at XXXX XXXX asking for a police incident number, a police report, contact information of the investigating officer, a list of other stolen card transactions, or a list of physical merchandise stolen. \n\nOn XX/XX/2022, with very little warning and still having not asked for *any* of the above information that one would normally think constitutes an investigation, Charles Schwab reversed {$3900.00} out of my account, putting the account in a negative balance, with negative consequences on my finances and no means to address the negative balance until my next payday ( XX/XX/XXXX ). They had left me two voicemails during the holidays, which I was spending with my family on international holiday, and did not receive until around the same time as the denial of my claim and reversal occurred. I left a panicked voicemail with the fraud investigator letting her know my shock and the trauma that I was reliving the incident of having been violated so terribly ( reliving this over the holidays with my family when I should have been celebrating my daughters XXXX birthday party was traumatic to say the least ). The fraud investigator sent me a document titled Merchant Documents, which supposedly stated the basis for denial. \n\nOn XX/XX/2022, I followed up via email with the fraud investigator that had sent me the denial letter - XXXX XXXX- asked the following, Can you confirm that you investigated my fraud case but did not know there was a police incident report, did not ever see the police report, nor talk to the investigating officer, nor at any point did you or anyone investigating ask me for these reports? The fraud investigator never responded to my inquiry. \n\nOn XX/XX/XXXX, I contacted the Banking division to let them know that a ) I would like to get the XXXX Compliant line and b ) that I would like to pursue whatever means necessary to escalate the case, as I did not feel my case had been fairly investigated or even investigated at all, as best I could tell. At that time, I provided the banking agent with the XXXX Incident Number XXXX. \nThey 1 ) did not provide me the Chairmans Complaint line and 2 ) simply sent my inquiry back to the same fraud investigation department and same investigator who has proven both nonprofessional in actually investigating the case and non-responsive to my own inquiries! \n\nOn the morning of XX/XX/XXXX, XXXX AM EST, I sent a very detailed email to the Fraud Investigator - XXXX XXXX- with the XXXX Incident Number, an attachment of the detailed police report, which includes physical items stolen and cards stolen and used for fraudulent purchases, as well as supplemental information on what time the professional thieves deactivated the highly secure XXXX  tracking features on a brand new XXXX and XXXX. I also provided the name, phone number, and email of the investigating officer, who told me he would be happy to talk to her if needed or if she had follow-up questions. \n\nAs of the writing of this complaint, at XX/XX/XXXX XXXX XXXX  EST, XXXX XXXX, nor anyone from XXXX XXXX  has replied to me about the various documents I provided showing the charges were clearly fraudulent. \n\nI do not feel that my case is being taken seriously nor has an actual investigation of the fraud taken place. It has caused me great emotional pain in reliving the incident, as well as great financial injury, causing my account to go into negative balance and affecting or having the ability to affect numerous ongoing and automated payments, including health insurance for my family, schooling for my daughter, mortgage payment for my home, and several other critical items. \n\nSo I am requesting your help in seeking justice and a favorable and fair resolution to my case. \n\nI greatly appreciate your help.","date_sent_to_company":"2022-01-27T20:41:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5157851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2022-01-27T19:28:55.000Z","state":"AL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Fraud</em> <em>Claim</em> On <em>XXXX</em> <em>XXXX</em>, I was <em>part</em> of a <em>felony</em> robbery in <em>XXXX</em>, Tennessee ( more than {$10000.00} in goods and money stolen in the state of Tennessee ), including physical items such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> as well as credit and debit cards taken and used immediately for high-dollar transactions. \n\nOn XX/XX/<em>XXXX</em>- the same day as the incident - I immediately informed all financial institutions and law enforcement of my situation."]},"sort":[11.449792,"5157851"]},{"_index":"complaint-public-v1","_id":"2834306","_score":11.4423,"_source":{"product":"Debt collection","complaint_what_happened":"BROCK & SCOTT PLLC VIOLATED A COURT ORDER, TRESPASSED AND MISREPRESENTED IN COURT TO MOVE ON A WRONGFUL FORECLOSURE WITHOUT ANY EVIDENTIARY DOCUMENTS OR AUTHORITY. MANDATORY NOTICE AFFIDAVIT of ILLEGALITY I XXXX XXXX I am that I am a living spirit, flesh and blood natural man on the land, creation of most high creator, in the same image, given dominion to rule, not a slave to any debt or otherwise. Hereby depose and reserve all my rights without prejudice. I am over the age of XXXX and knowledgeable of the facts evidence and proofs within this TRUTH and competent to testify before a Jury and Just Judge in an Upright Court. \nIllegal documents have been filed against me and my home, the property I own at XXXX XXXXXXXX XXXX XXXX GA XXXX legal description THE LAND REFERRED TO HEREIN IS SITUATED IN THE STATE OF GEORGIA XXXX XXXX XXXX, DESCRIBED AS FOLLOWS : All that tract or parcel of land lying and belonging in Land lot XXXX of the XXXX District, XXXX XXXX Georgia, being Lot XXXX XXXX XXXX of XXXX XXXX XXXX as per plat thereof recorded in XXXX XXXX XXXX page XXXX, XXXX County Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.. The person signing the unlawful document is XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX have presented no authority and is a third party with whom I have no business, contract or lease, XXXX XXXX HAVE NEVER PROVIDED ANY FORM OF VALUE IN REGARDS TO THE XXXX HOME AND PROPERTY NOW UNLAWFULLY CONSPIRES TO TAKE IT AND BE ENRICHED FROM THE THEFT BY TAKING, XXXX XXXX has never been my landlord or presented contract from any that could Lawfully claim to be landlord of Grantor, Original Grantee, Issuer, Adverse Possessor of property in good faith for 11 consecutive years XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is being sought for trespass, unlawful attempts at eviction, misrepresentation, libel and the intentional infliction of emotional distress. theft by taking, Harassment of the XXXX family and property and seemingly aiding and abetting in the fraud to attain property for unjust enrichment as alleged agents for unauthorized entities XXXX XXXX XXXX XXXX XXXX who lacks standing already discovered and adjudicated in XXXX XXXX XXXX, and had no objections to Exempt From Sale and XXXX Court Order or Bankruptcy. \nXXXX XXXX of XXXX XXXX XXXX being a party to said case proved up no contract, authority, despite several hearings. None objections or contract entered by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX resulting in two court orders 1.Exempting the property from sale and XXXX and 2.Discharge. No lawful Contractual agreement exists between parties XXXX and XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX, XXXX XXXX, XXXX XXXX. None. Evidence or unequivocal proof of alleged loan were ever presented. None unequivocal evidence of a creditors lien, lease or debt upon which a right to evict or collect was Presented in ANY case, NONE secured party creditor, with contract between XXXX and any of the parties, a lien or note holder in due course to prove up an unbroken chain of authority as Georgia Law Requires was presented IN THEIR NAMES and NONE Objections were made to either court orders. \nXXXX GAVE MULTIPLE OPPORTUNITY TO PROVE UP : THE DEBT, SOURCE OF A LOAN, VERIFIED NAME AND IDENTITY OF LENDER, SECURED PARTY CREDITOR AND ACCOUNT RECIEPT WITH SIGNATURES FOR AUTHENTICATION, NO THIRD PARTY HEARSAY AND OR CARBON COPIES ARE ACCEPTABLE, UNEQUIVOCAL EVIDENCE AND PROOF BY ORIGINAL SIGNATURES ONLY AS THE LAW REQUIRES. \nDUE TO THE OVERWHELMING FRAUD, DUPLICATION OF DOCUMENTS, UNACOUNTED FOR PAYMENTS, ADDING AND SUBTRACTING OF ROBOSTAMPED SIGNATURES, UNIDENTIFIABLE SIGNATURES, FRAUDULENT ATTESTORS and MALICIOUS MISREPESENTATIONS by PERJURING ATTORNIES with LACK of CONTRACTS XXXX XXXX XXXX party who receives title to real property from the seller ( grantor ) XXXX XXXX   VOIDS security deed, assignment and deed under power. \nORIGINAL GRANTEE RESERVES ALL RIGHTS WITHOUT PREJUDICE O.C.G.A.10-7-23. Refusal to deliver evidence of debt and securities on tender of amount of debt as discharging surety The surety may tender to the creditor the amount of his debt and demand that the evidence of and the securities for the same be delivered up to him to be enforced against his principal or co-sureties ; and a failure of the creditor to comply, when within his power, shall operate to discharge the surety. \nO.C.G.A. 10-1-393 Unfair or Deceptive Practices in Consumer Transactions is Unlawful. Issued checks over {$4000.00} unaccounted for. Issued Original WET INK Note unaccounted for, paid, lost, stolen or destroyed. Original security deed unaccounted for, paid lost stolen or destroyed, min numbers are inactive XXXX  NO LONGER HOLDER a third party and had no written order, authority to assign VOIDS THE ASSIGNMENT, A NO INTEREST CONTRACT AS PER UCC NO PROOF OF HOLDER IN DUE COURSE The law requires purchase for value for ownership to be valid, The parties alleging the care, custody and control of the actual evidence and information about the transfer or sale of the debt, note or mortgage is XXXX XXXX allegedly on XXXX XXXX XXXX XXXX   XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The parties should therefore be required to show the details of the transaction in which the debt, note or mortgage was acquired. To me, that means showing a cancelled check or wire transfer receipt in which the reference was to the loan in dispute. Confirming that the note was sold to the PARTIES prior to void foreclosure meant everyone got paid and the wrongful foreclosure is invalid unlawful double dipping unjust enrichment and VOID. Anything less than that raises questions about whether the loan implied by the note and security deed ever existed. \n\nO.C.G.A. 44-2-43 Fraud, forgery, and theft in connection with registration of title to land ; penalty- shall be guilty of a felony and shall be punished by imprisonment for not less than one nor more than ten years. \n\nXXXX XXXX XXXX XXXX suggested I report the crime to XXXX XXXX XXXX and be more specific in the Violations, to give specific violations the judge can bounce off of XXXX XXXX Issuer ORIGINAL Grantee and 1st and Only owner of Warranty Deed in FEE SIMPLE for 11 Consecutive Years is hereby doing so as per Magistrate Judge.\n\nViolations FDCPA-15 U.S. Code 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement ( D ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. If the consumer notifies the debt collector in writing within the thirty-day period ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. \nFurnishing Certain Deceptive Forms ( 15 USC 1692j ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.\n\n( 1 ) Whoever causes damage to the property of another with the intention of procuring unlawful benefit for himself or a third person by knowingly leading such other into an act, sufferance, or omission by means of representing falsehoods as facts or misrepresenting or concealing the existing facts, shall be punished by imprisonment for not less than three months and, if the damage is especially great, not less than two years. A person commits the offense of theft by deception when he tries to obtain property by any deceitful means or artful practice with the intention of depriving the owner of the property. O.C.G.A. 16-8-3 - Theft by deception : Obtaining Property by False Pretenses felony punishable by a maximum term of imprisonment For property valued at {$25000.00} or more Felony : 2 to 20 years imprisonment. Under common law, false pretense is defined as a representation of a present or past fact, which the thief knows to be false, and which he intends will and does cause the victim to pass title of his property. That is, false pretense is the acquisition of title from a victim by fraud or misrepresentation of a material past or present fact. \nWhat Is Theft by Conversion in Georgia? \nTheft by conversion in Georgia begins with lawfully obtaining another individuals property or funds. The perpetrator then uses the funds or property for their own use without the lawful owners permission. The property can be personal property or real property as in UNLAWFUL SECURITIZATION and UNLAWFULLFORCLOSURES. \nWhat Is Considered Personal Property in Georgia? \nAccording to Georgia law, personal property refers to any property with the replacement value more than {$100.00}. This excludes any late fees or other penalties that may raise the value of the property. \nExamples of theft by conversion includes : Payment not applied for the specific purpose, but used for other purposes instead Are Theft by Conversion and Theft by Deception the Same Crime in Georgia? \nNo. Theft by deception is the criminal act of using false pretenses to obtain someones property. The false pretense includes making a claim about a past event or existing fact. Theft by conversion does not include making false claims or wrongfully obtaining the property. Instead, the person takes the property from someone else legally before deciding to keep or use the property. \nIs Theft by Conversion a Felony or Misdemeanor? \nThe crime can be either a felony or misdemeanor. What a person is charged with depends on the value of the property. Theft by conversion involving property valued at {$1500.00} or under is a misdemeanor. If the amount is over {$1500.00}, then it is a felony. \nWhat Is the Punishment for Theft by Conversion? \nThe misdemeanor punishment for theft by conversion is up to 12 months in county jail and/or a {$1000.00} fine.\n\nMaking false statements ( 18 U.S.C. 1001 ) is the common name for the United States federal crime laid out in Section 1001 of Title 18 of the United States Code, which generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information, O.C.G.A. 16-10-20. False statements, concealment of facts, and fraudulent documents in matters within jurisdiction of state or political subdivisions A person who knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes a false, fictitious, or fraudulent statement or representation ; or makes or uses any false writing or document, knowing the same to contain any false, fictitious, or fraudulent statement or entry, in any matter within the jurisdiction of any department or agency of state government or of the government of any county, city, or other political subdivision of this state shall, upon conviction thereof, be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than five years, or both.\n\nO.C.G.A 16-8-102 Residential mortgage Fraud. Offense of residential mortgage fraud A person commits the offense of  residential mortgage fraud when, with the intent to defraud, such person : ( 1 ) Knowingly makes any deliberate misstatement, misrepresentation, or omission during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 2 ) Knowingly uses or facilitates the use of any deliberate misstatement, misrepresentation, or omission, knowing the same to contain a misstatement, misrepresentation, or omission, during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 3 ) Receives any proceeds or any other funds in connection with a residential mortgage closing that such person knew resulted from a violation of paragraph ( 1 ) or ( 2 ) of this Code section ; ( 4 ) Conspires to violate any of the provisions of paragraph ( 1 ), ( 2 ), or ( 3 ) of this Code section ; or ( 5 ) Files or causes to be filed with the official registrar of deeds of any county of this state any document such person knows to contain a deliberate misstatement, misrepresentation, or omission. ( see void deed under power ) An offense of residential mortgage fraud shall not be predicated solely upon information lawfully disclosed under federal disclosure laws, regulations, and interpretations related to the mortgage lending process.\n\nO.C.G.A.16-8-104 Authority to investigate and prosecute for residential mortgage fraud District attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases of residential mortgage fraud under this article or under any other provision of this title. Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud.\n\nO.C.G.A. 51-6-4 51-6-4. Fraud by acts or silence ; estoppel to assert title a ) A fraud may be committed by acts as well as words.\n\n( b ) One who silently stands by and permits another to purchase property, without disclosing title, is guilty of such a fraud as estops him from subsequently setting up such title against the purchaser. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AND THEIR ALLEGED AGENTS, PRESENTED NO TITLE, NO CONTRACT IN THEIR NAME, NO LIEN AND CANT PRODUCE LAWFULL PROOF OF ANY CLAIMS OF OWNERSHIP AUTHORITY OR STANDING TO FORECLOSE OR EVICT, TRUE OWNER OF TITTLE AND ADVERSE POSESSER XXXX XXXX SEE WARRANTY DEED, OWNERS TITTLE INSURANCE, LAND PATENT CLAIM AND ALL OTHER AUTHORITIVE DOCUMENTS PROOVING LINDSAYS OWNERSHIP INTEREST AUTHORITY AND STANDING, GOOD FAITH ADVERSARIAL POSSESION WITH FAMILY for 11 CONSECUTIVE YEARS. \nUsing the Mails to Defraud - Crimes of Fraud are CRIMES INVOLVING MORAL TURPITUDE and, therefore, use of the mails in order that the contents of such communication be relied upon by recipient to defraud would amount to a crime which, of necessity, involve moral turpitude. READILY AVAILABLE UPON REQUEST MISREPRESENTED FRAUDULENT AND TAMPERED DOCUMENTS SENT THROUGH USPS MAIL TO HARRASS XXXX AND FORCE UNFAVORABLE ACTIONS. \nO.C.G.A. 44-2-14 Requirements for recordation no instrument by which the title to real property or any interest therein is conveyed, created, assigned, encumbered, disposed of, or otherwise affected shall be entitled to recordation unless the name and mailing address of the natural person to whom the affidavit or instrument is to be returned is legibly printed, typewritten, or stamped upon such affidavit or instrument at the top of the first page thereof.\n\nO.C.G.A. 11-9-201. General effectiveness of security agreement.\n\n( a ) General effectiveness. Except as otherwise provided in this title, a security agreement is effective according to its terms between the parties, against purchasers of the collateral, and against creditors.\n\nO.C.G.A. 13-1-8. Contract defined -- Entire and severable contracts ( a ) A contract may be either entire or severable. In an entire contract, the whole contract stands or falls together. In a severable contract, the failure of a distinct part does not void the remainder. \n( b ) The character of the contract in such case is determined by the intention of the parties. O.C.G.A.13-1-1. Contract defined -- Generally A contract is an agreement between two or more parties for the doing or not doing of some specified thing. \n\nGrantor Owner Affiant XXXX Issued a Note valued at {$230000.00} received No guarantee of performance, loan receipt, validation of debt, creditors lien, despite several petitions and request to meet face to face. However XXXX note a negotiable instrument of value tendered and not returned dis-honored XXXX XXXX  Received payment A FAIR EXCHANGE. Since then the note I issued, quote HAVE BEEN CHOPPED UP AND DUPLICATED SO MANY TIMES WE WOULDNT KNOW WHERE TO FIND IT end quote. Witness evidence must be subpoena by the court for disclosure XXXX XXXX is not A tenant but 1st possessor of tittle for 11 consecutive years and invokes his good faith adverse possession rights. A fraudulent deed under power was filed against my property by XXXX and XXXX and voided by owner XXXX because of the fraud. XXXX was in Bankruptcy at the time of wrongful invalid and void Sale. \nNO OBJECTION, request of a lift or permission to pursue was ever presented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, the responsible attorneys I believe to be a XXXX XXXX and XXXX XXXX attorneys for the firm XXXX and XXXX. \n11. XXXX XXXX made misrepresentative statements prior, on behalf of XXXX XXXX in XXXX XXXX XXXX Appearance and to my belief perjured.to cover up their fraudulent misrepresentation. evidence readily available upon request.\n\nO.C.G.A. 16-10-70. Perjury ( a ) A person to whom a lawful oath or affirmation has been administered commits the offense of perjury when, in a judicial proceeding, he knowingly and willfully makes a false statement material to the issue or point in question.\n\n( b ) A person convicted of the offense of perjury shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both. Perjury -- Overview Of 18 U.S.C. 1621 And 1623 Violations Manual at 902 et seq.\n\n12. O.C.G.A. 16-10-72. Subornation of perjury or false swearing A person commits the offense of subornation of perjury or false swearing when he procures or induces another to commit the offense of perjury or the offense of false swearing and, upon conviction thereof, shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both.\n\n13. Guilty of subordination of perjury18 U.S.C. 473 - Buying, Selling, Exchanging, Transferring, Receiving, or Delivering any False, Forged, Counterfeit, or Altered Obligation or Security of the U.S., with Intent that the Same be Passed, Published, or Used as True.\n\n14. O.C.G.A. 16-8-3. Theft by deception ( a ) A person commits the offense of theft by deception when he obtains property by any deceitful means or artful practice with the intention of depriving the owner of the property.\n\n15. ( b ) A person deceives if he intentionally : ( 1 ) Creates or confirms another 's impression of an existing fact or past event which is false and which the accused knows or believes to be false ; ( 2 ) Fails to correct a false impression of an existing fact or past event which he has previously created or confirmed ; ( 3 ) Prevents another from acquiring information pertinent to the disposition of the property involved ; ( 4 ) Sells or otherwise transfers or encumbers property intentionally failing to disclose a substantial and valid known lien, adverse claim, or other legal impediment to the enjoyment of the property, whether such impediment is or is not a matter of official record.\n\nGrand Theft is a Crime Involving Moral Turpitude- When the property is taken from the person of another. Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, Title 42 1943-unique importance : enforcement is placed in the hands of the people ( a ) Arrest warrants, contempt of court order petition, trespass, illegal eviction judgements among moral turpitude and other violations of Georgia codes and Supreme Court Laws and violations of Constitutional protections are being sought for all three perpetrators.\n\n( b ) Contempt of court. Failure to appear pursuant to any summons or subpoena, disrespectful conduct or failure to comply with any other order or judgment of the court shall constitute contempt of court and be punishable as provided by the City Charter..\n\n( c ) O.C.G.A. 16-7-21 Criminal trespass A person commits the offense of criminal trespass when he or she knowingly and without authority : ( 1 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person for an unlawful purpose ; ( 2 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person after receiving, prior to such entry, notice from the owner, rightful occupant, or, upon proper identification, an authorized representative of the owner or rightful occupant that such entry is forbidden. \n( d ) The entity these men claim to be representing, XXXX XXXX XXXX   XXXX XXXX, denied owning the loan, denied owning the property, is unable to present the original note for authentication, does not own a Lawful Original security deed and Note signed by XXXX and themselves as parties to a contract registered in XXXX County Clerks Office, Can not prove up an unbroken chain of holder in due course AND DENIED involvement in the fraudulent wrongful foreclosure process. \n( e ) Transporting forgery securities interstate commerce ( 18 U.S.C. Section 2314 ), 18 U.S.C. 912 is a divisible statute and defines two separate offenses. First, \" whoever falsely assumes or pretends to be an officer or employee, acting under the authority of the United States or any department, agency or officer thereof, and acts as such '' ; or, second, \" in such pretended character demands or obtains any money, paper, document, or thing of value. '' Conviction for violation of the second portion necessarily involves an element of fraud ; and fraud being present, the crime is one involving moral turpitude CRIMES AGAINST PROPERTY ( f ) Moral turpitude attaches to any crime against property, which involves \" fraud, '' whether it entails fraud against the Government or an individual. The major crimes against property, which involve an evil or predatory intent, likewise involve moral turpitude. Certain crimes against property may require guilty knowledge or an intent to permanently take property.. CRIMES AGAINST PROPERTY FOUND TO INVOLVE MORAL TURPITUDE ( g ) Forgery.\n\n( h ) Uttering a Forged Instrument.\n\n( i ) Accessory Before the Fact in Uttering a Forged Instrument.\n\n( j ) Possession of Stolen Property ( k ) Sending Threatening Letters Through Mail with Intent to Extort.\n\nFraud.\n\n( l ) Encumbering Property with Intent to Defraud.\n\n( m ) Passing Forged Instruments.\n\n( n ) Attempted Fraud.\n\n( o ) Using the Mails to Defraud.\n\n( p ) Securities Fraud.\n\n( q ) Conspiracy to Defraud the Public.\n\n( r ) Transporting Stolen Property.\n\n( s ) Obtaining Money by False Pretenses.\n\n( t ) Malicious Trespass.\n\nEveryone who causes any event by an act which he knew would probably cause it, being reckless whether such event happens or not, is deemed for the purposes of this part to have caused it willfully.\n\nO.C.G.A. 44-14-33. Attestation or acknowledgment of mortgage ; additional witness in case of land ; constructive notice In order to admit a mortgage to record, it must be attested by or acknowledged before an officer as prescribed for the attestation or acknowledgment of deeds of bargain and sale ; and, in the case of real property, a mortgage must also be attested or acknowledged by one additional witness. In the absence of fraud.\n\n( u ) The crime of document forgery is committed by any of the following means : ( v ) Placing a false signature or flourish, even though imaginary, or altering a true one.\n\n( w ) Accessory Before the Fact in Uttering a Forged Instrument is a Crime ( x ) Every person concerned in the commission of a crime is a party thereto. O.C.G.A. 16-2-20. Any party who did not directly commit the crime may be convicted of the crime upon proof that the crime was committed and he was a party thereto, despite the outcome of the one who directly committed the crime. O.C.G.A. 16-2-21.0a ( y ) O.C.G.A. 16-2-0 ( b ) ( z ) Accessory before the fact ; accessory after the fact is hindering apprehension \" Abet '' means to encourage, incite, or help and \" Aid '' means to give help or assistance to. Proof of a common criminal intent with the actual perpetrators is necessary, and may be inferred from his conduct before, during, and after the crime. If associates shared common design to do an unlawful act, then any act done in pursuance by any one of them would be the act of each of them.\n\n( aa ) Penalty ( bb ) Punishment is that of the substantive offense. O.C.G.A. 16-2-21.\n\n( cc ) Whoever aids in the commission of a felony, or is accessory thereto before the fact by counseling, hiring or otherwise procuring such felony to be committed shall be punished in the manner provided for the punishment of the principal felon.\n\n( dd ) An accessory to a felony before the fact may be indicted, tried and punished in the same county where the principal felon might be indicted and tried, ( ee ) Uttering Forged Record or Contract.\n\n( ff ) Whoever, with intent to injure or defraud, utters and publishes as true a false, forged or altered record, deed, instrument or other writing knowing the same to be false, forged or altered, shall be punished by imprisonment in the state prison for not more than 10 years in jail for not more than two years.\n\n( gg ) Forgery of Public Documents.\n\n( hh ) Swindling ( ii ) Conspiracy to Commit Forgery in the Third Degree and Making False Statement ( jj ) Forgery is a Crime Involving Moral Turpitude-, Georgia . \n( kk ) State of Georgia conviction for forgery. Animashaun v. INS, XXXX XXXX XXXX XXXX XXXX Cir. XXXX XXXX XXXX XXXX Cir. XXXX ). The XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX. Appx. XXXX XXXX XXXX Cir. XXXX ), held that a conviction for forging proof of financial responsibility under the Texas Transportation Code, section 601.196, was a CIMT as the offense involved forgery and was fraudulent in nature.\n\n( ll ) Attempting to Obstruct or Impede the Progress of Justice.\n\n( mm ) 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees ( a ) Whoever, with intent to avoid, evade, prevent, or obstruct compliance, in whole or in part, with any civil investigative demand duly and properly made under the Antitrust Civil Process Act, willfully withholds, misrepresents, removes from any place, conceals, covers up, destroys, mutilates, alters, or by other means falsifies any documentary material, answers to written interrogatories, or oral testimony, which is the subject of such demand ; or attempts to do so or solicits another to do so ; ( b ) The Real Estate Settlement Procedures Act ( RESPA ) was a law passed by the United States Congress in 1974 and codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617.\n\n( c ) Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed. \n( d ) All attempts to hold these conspirators accountable have failed thus far However XXXX was instructed by Magistrate Judge to refile warrant application for XXXX XXXX because lack of service of last notice to appear. I am now pleading with the F.B.I., XXXX District Attorney, Georgia Attorney General 's Office to Investigate these bullies. \nO.C.G.A. 51-6-1. Right of action for fraud accompanied by damage : Fraud, accompanied by damage to the party defrauded, always gives a right of action to the injured party. The XXXX Family is the only Injured Party and has lost thousands and missing notes, is suffering financially and emotionally, Georgia applies the Impact Rule which permits recovery for negligent infliction of emotional distress only when the conduct causes a direct physical impact on the plaintiff. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The contact may be de minimis and still be sufficient for the plaintiff to recover.\n\nLindsays lost thousands of dollars in the fraud and shall continue defending our home of 11 CONSECUTIVE YEARS.XXXX XXXX XXXX XXXX AND XXXX XXXX HAVE NO INTEREST IN OUR HOME AND SEEKS ONLY THE UNJUST FINANCIAL GAIN THEY CAN RECEIVE XXXX HAD PRIOR KNOWLEDGE THAT THE PROPERTY IS UNDER AN EXEMPT FROM SALE AND XXXX COURT ORDER IN WHICH HE LITIGATED AND FAILED, IN WHICH HE TRIED TO GET OVERTURNED AND FAILED.SPECIFIC QUESTIONS WERE ASKED BY TWO XXXX COUNTY JUDGES REQUEST TRANSCRIPT OR AUDIO OF CASES AS XXXX XXXX knew XXXX is under bankruptcy before wrongful invalid void foreclosure. Debts discharged with NO OBJECTION FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR ANY CREDITOR AT MEETING OF CREDITORS AND NO PRESENTMENT OF A CREDITORS LIEN. \nHere are some basic black letter rules, that have been followed for centuries : 1. A holder must possess the original note.\n\n2. Transfer of possession must be authenticated by an affidavit or certification based upon personal knowledge. In writing 3. A party relying upon power of attorney or other document must produce the authenticated original of that document.\n\n4. Using the words as attorney in fact means nothing unless the party is able to produce a witness who, in their own personal knowledge, knows and states that the POA is in writing and has not been revoked.\n\n5. That witness must be able to lay the factual foundation and authentication for introduction of the Power of Attorney or any other such document.\n\n6. Without such foundation and authentication, any testimony or documents proffered by virtue of the POA can not be admitted into evidence and for purposes of the case then, such statements or documents do not exist.\n\n7. A party who claims a legal relationship with another party and who relies upon it for proffering evidence must provide evidence of the legal relationship.\n\n8. A Power of Attorney must be in writing, duly signed and acknowledged as set forth in state statutes. Oral Powers of Attorney can not be used to circumvent the requirement that interests in real property ( including mortgages ) must be in writing.\n\n9. A party seeking to enforce a note must be able to establish, through competent evidence, the location and the previous locations of the note in order to establish possession and the right to enforce, respectively.\n\n10. Certifications must be based upon personal knowledge and","date_sent_to_company":"2018-03-06T18:31:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"2834306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Brock & Scott, PLLC","date_received":"2018-03-06T17:15:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The false pretense includes making a <em>claim</em> about a past event or existing fact. Theft by conversion does not include making false <em>claims</em> or wrongfully obtaining the property. Instead, the person takes the property from someone else legally before deciding to keep or use the property. \nIs Theft by Conversion a <em>Felony</em> or Misdemeanor? \nThe crime can be either a <em>felony</em> or misdemeanor. What a person is charged with depends on the value of the property."]},"sort":[11.4423,"2834306"]},{"_index":"complaint-public-v1","_id":"2835077","_score":11.431503,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX VIOLATED A COURT ORDER, TRESPASSED AND MISREPRESENTED IN COURT TO MOVE ON A WRONGFUL FORECLOSURE WITHOUT ANY EVIDENTIARY DOCUMENTS OR AUTHORITY. MANDATORY NOTICE AFFIDAVIT of LEGALITY I XXXX XXXX I am that I am a living spirit, flesh and blood natural man on the land, creation of most high creator, in the same image, given dominion to rule, not a slave to any debt or otherwise. Hereby depose and reserve all my rights without prejudice. I am over the age of XXXX and knowledgeable of the facts evidence and proofs within this TRUTH and competent to testify before a Jury and Just Judge in an Upright Court. Illegal documents have been filed against me and my home, the property I own at XXXX XXXX XXXX   XXXX GA XXXX legal description THE LAND REFERRED TO HEREIN IS SITUATED IN THE STATE OF GEORGIA , COUNTY XXXX, DESCRIBED AS FOLLOWS : All that tract or parcel of land lying and belonging in Land lot XXXX of the XXXX District, XXXX County Georgia, being Lot XXXX Block XXXX of XXXX XXXX XXXX as per plat thereof recorded in Plat book 33 page 194-199, XXXX County Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.. The person signing the unlawful document is XXXX XXXX of XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX have presented no authority and is a third party with whom I have no business, contract or lease, XXXX XXXX HAVE NEVER PROVIDED ANY FORM OF VALUE IN REGARDS TO THE XXXX HOME AND PROPERTY NOW UNLAWFULLY CONSPIRES TO TAKE IT AND BE ENRICHED FROM THE THEFT BY TAKING, XXXX XXXX has never been my landlord or presented contract from any that could Lawfully claim to be landlord of Grantor, Original Grantee, Issuer, Adverse Possessor of property in good faith for 11 consecutive years XXXX XXXX OCGA 44-7-1, 44-7-2 ,44-7-3,44-7-5 XXXX XXXX is being sought for trespass, unlawful attempts at eviction, misrepresentation, libel and the intentional infliction of emotional distress. theft by taking, Harassment of the XXXX family and property and seemingly aiding and abetting in the fraud to attain property for unjust enrichment as alleged agents for unauthorized entities XXXX XXXX XXXX XXXX XXXX who lacks standing already discovered and adjudicated in XXXX County Court,  and had no objections to Exempt From Sale and Levy Court Order or Bankruptcy. XXXX XXXX of XXXX XXXX XXXX being a party to said case proved up no contract, authority, despite several hearings. None objections or contract entered by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or Specialized Loan Servicing resulting in two court orders 1.Exempting the property from sale and Levy and 2.Discharge. No lawful Contractual agreement exists between parties XXXX and XXXX XXXX XXXX   XXXX  XXXX , XXXX XXXX XXXX XXXX XXXX, Specialized Loan Servicing, XXXX XXXX XXXX or XXXX XXXX, XXXX XXXX, XXXX XXXX. None. Evidence or unequivocal proof of alleged loan were ever presented. None unequivocal evidence of a creditors lien, lease or debt upon which a right to evict or collect was Presented in ANY case, NONE secured party creditor, with contract between XXXX and any of the parties, a lien or note holder in due course to prove up an unbroken chain of authority as Georgia Law Requires was presented IN THEIR NAMES and NONE Objections were made to either court orders. \nXXXX GAVE MULTIPLE OPPORTUNITY TO PROVE UP : THE DEBT, SOURCE OF A LOAN, VERIFIED NAME AND IDENTITY OF LENDER, SECURED PARTY CREDITOR AND ACCOUNT RECIEPT WITH SIGNATURES FOR AUTHENTICATION, NO THIRD PARTY HEARSAY AND OR CARBON COPIES ARE ACCEPTABLE, UNEQUIVOCAL EVIDENCE AND PROOF BY ORIGINAL SIGNATURES ONLY AS THE LAW REQUIRES. DUE TO THE OVERWHELMING FRAUD, DUPLICATION OF DOCUMENTS, UNACOUNTED FOR PAYMENTS, ADDING AND SUBTRACTING OF ROBOSTAMPED SIGNATURES, UNIDENTIFIABLE SIGNATURES, FRAUDULENT ATTESTORS and MALICIOUS MISREPESENTATIONS by PERJURING ATTORNIES with LACK of CONTRACTS XXXX XXXX Grantee party who receives title to real property from the seller ( grantor ) XXXX XXXX VOIDS security deed, assignment and deed under power. ORIGINAL GRANTEE RESERVES ALL RIGHTS WITHOUT PREJUDICE O.C.G.A.10-7-23. Refusal to deliver evidence of debt and securities on tender of amount of debt as discharging surety The surety may tender to the creditor the amount of his debt and demand that the evidence of and the securities for the same be delivered up to him to be enforced against his principal or co-sureties ; and a failure of the creditor to comply, when within his power, shall operate to discharge the surety. O.C.G.A. 10-1-393 Unfair or Deceptive Practices in Consumer Transactions is Unlawful. Issued checks over {$4000.00} unaccounted for. Issued Original WET INK Note unaccounted for, paid, lost, stolen or destroyed. Original security deed unaccounted for, paid lost stolen or destroyed, min numbers are inactive XXXX NO LONGER HOLDER a third party and had no written order, authority to assign VOIDS THE ASSIGNMENT, A NO INTEREST CONTRACT AS PER UCC NO PROOF OF HOLDER IN DUE COURSE. The law requires purchase for value for ownership to be valid, The parties alleging the care, custody and control of the actual evidence and information about the transfer or sale of the debt, note or mortgage is XXXX XXXX allegedly on Behalf XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX allegedly on Behalf XXXX XXXX XXXX XXXX XXXX  XXXX. The parties should therefore be required to show the details of the transaction in which the debt, note or mortgage was acquired. To me, that means showing a cancelled check or wire transfer receipt in which the reference was to the loan in dispute. Confirming that the note was sold to the PARTIES prior to void foreclosure meant everyone got paid and the wrongful foreclosure is invalid unlawful double dipping unjust enrichment and VOID. Anything less than that raises questions about whether the loan implied by the note and security deed ever existed. O.C.G.A. 44-2-43 Fraud, forgery, and theft in connection with registration of title to land ; penalty- shall be guilty of a felony and shall be punished by imprisonment for not less than one nor more than ten years. XXXX Magistrate Court Judge suggested I report the crime to XXXX Law Enforcement and be more specific in the Violations, to give specific violations the judge can bounce off of XXXX XXXX Issuer ORIGINAL Grantee and 1st and Only owner of Warranty Deed in FEE SIMPLE for 11 Consecutive Years is hereby doing so as per Magistrate Judge. Violations FDCPA-15 U.S. Code 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement ( D ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. If the consumer notifies the debt collector in writing within the thirty-day period ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. Furnishing Certain Deceptive Forms ( 15 USC 1692j ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. \n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title. \n( 1 ) Whoever causes damage to the property of another with the intention of procuring unlawful benefit for himself or a third person by knowingly leading such other into an act, sufferance, or omission by means of representing falsehoods as facts or misrepresenting or concealing the existing facts, shall be punished by imprisonment for not less than three months and, if the damage is especially great, not less than two years. A person commits the offense of theft by deception when  he tries to obtain property by any deceitful means or artful practice with the intention of depriving the owner of the property. O.C.G.A. 16-8-3 - Theft by deception : Obtaining Property by False Pretenses felony punishable by a maximum term of imprisonment For property valued at {$25000.00} or more Felony : 2 to 20 years imprisonment. Under common law, false pretense is defined as a representation of a present or past fact, which the thief knows to be false, and which he intends will and does cause the victim to pass title of his property. That is, false pretense is the acquisition of title from a victim by fraud or misrepresentation of a material past or present fact.\n\nWhat Is Theft by Conversion in Georgia?\n\nTheft by conversion in Georgia begins with lawfully obtaining another individuals property or funds. The perpetrator then uses the funds or property for their own use without the lawful owners permission. The property can be personal property or real property as in UNLAWFUL SECURITIZATION and UNLAWFULLFORCLOSURES. \nWhat Is Considered Personal Property in Georgia?\n\nAccording to Georgia law, personal property refers to any property with the replacement value more than {$100.00}. This excludes any late fees or other penalties that may raise the value of the property.\n\nExamples of theft by conversion includes : Payment not applied for the specific purpose, but used for other purposes instead Are Theft by Conversion and Theft by Deception the Same Crime in Georgia? \nNo. Theft by deception is the criminal act of using false pretenses to obtain someones property. The false pretense includes making a claim about a past event or existing fact. Theft by conversion does not include making false claims or wrongfully obtaining the property. Instead, the person takes the property from someone else legally before deciding to keep or use the property. \nIs Theft by Conversion a Felony or Misdemeanor?\n\nThe crime can be either a felony or misdemeanor. What a person is charged with depends on the value of the property. Theft by conversion involving property valued at {$1500.00} or under is a misdemeanor. If the amount is over {$1500.00}, then it is a felony. What Is the Punishment for Theft by Conversion? The misdemeanor punishment for theft by conversion is up to 12 months in county jail and/or a {$1000.00} fine. Making false statements ( 18 U.S.C. 1001 ) is the common name for the United States federal crime laid out in Section 1001 of Title 18 of the United States Code, which generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information, O.C.G.A. 16-10-20. False statements, concealment of facts, and fraudulent documents in matters within jurisdiction of state or political subdivisions.A person who knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes a false, fictitious, or fraudulent statement or representation ; or makes or uses any false writing or document, knowing the same to contain any false, fictitious, or fraudulent statement or entry, in any matter within the jurisdiction of any department or agency of state government or of the government of any county, city, or other political subdivision of this state shall, upon conviction thereof, be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than five years, or both.O.C.G.A 16-8-102 Residential mortgage Fraud.  Offense of residential mortgage fraud A person commits the offense of residential mortgage fraud when, with the intent to defraud, such person : ( 1 ) Knowingly makes any deliberate misstatement, misrepresentation, or omission during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 2 ) Knowingly uses or facilitates the use of any deliberate misstatement, misrepresentation, or omission, knowing the same to contain a misstatement, misrepresentation, or omission, during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 3 ) Receives any proceeds or any other funds in connection with a residential mortgage closing that such person knew resulted from a violation of paragraph ( 1 ) or ( 2 ) of this Code section ; ( 4 ) Conspires to violate any of the provisions of paragraph ( 1 ), ( 2 ), or ( 3 ) of this Code section ; or ( 5 ) Files or causes to be filed with the official registrar of deeds of any county of this state any document such person knows to contain a deliberate misstatement, misrepresentation, or omission. ( see void deed under power ) An offense of residential mortgage fraud shall not be predicated solely upon information lawfully disclosed under federal disclosure laws, regulations, and interpretations related to the mortgage lending process. \nO.C.G.A.16-8-104 Authority to investigate and prosecute for residential mortgage fraud District attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases of residential mortgage fraud under this article or under any other provision of this title. Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud. \nO.C.G.A. 51-6-4 51-6-4. Fraud by acts or silence ; estoppel to assert title a ) A fraud  may be committed by acts as well as words.\n\n( b ) One who silently stands by and permits another to purchase property, without disclosing title, is guilty of such a fraud as estops him from subsequently setting up such title against the purchaser. \nXXXX XXXX OBJECTS XXXX XXXX XXXX XXXX  XXXX , XXXX  XXXX XXXX XXXX. SPECIALIZED LOAN SERVICING AND THEIR ALLEGED AGENTS, PRESENTED NO TITLE, NO CONTRACT IN THEIR NAME, NO LIEN AND CANT PRODUCE LAWFULL PROOF OF ANY CLAIMS OF OWNERSHIP AUTHORITY OR STANDING TO FORECLOSE OR EVICT, TRUE OWNER OF TITTLE AND ADVERSE POSESSER XXXX XXXX SEE WARRANTY DEED, OWNERS TITTLE INSURANCE, LAND PATENT CLAIM AND ALL OTHER AUTHORITIVE DOCUMENTS PROOVING XXXX OWNERSHIP INTEREST AUTHORITY AND STANDING, GOOD FAITH ADVERSARIAL POSSESION WITH FAMILY for 11 CONSECUTIVE YEARS. \nUsing the Mails to Defraud - Crimes of Fraud are CRIMES INVOLVING MORAL TURPITUDE and, therefore, use of the mails in order that the contents of such communication be relied upon by recipient to defraud would amount to a crime which, of necessity, involve moral turpitude. READILY AVAILABLE UPON REQUEST MISREPRESENTED FRAUDULENT AND TAMPERED DOCUMENTS SENT THROUGH USPS MAIL TO HARRASS XXXX AND FORCE UNFAVORABLE ACTIONS. \nO.C.G.A. 44-2-14 Requirements for recordation no instrument by which the title to real property or any interest therein is conveyed, created, assigned, encumbered, disposed of, or otherwise affected shall be entitled to recordation unless the name and mailing address of the natural person to whom the affidavit or instrument is to be returned is legibly printed, typewritten, or stamped upon such affidavit or instrument at the top of the first page thereof. \nO.C.G.A. 11-9-201. General effectiveness of security agreement. \n( a ) General effectiveness. Except as otherwise provided in this title, a security agreement is effective according to its terms between the parties, against purchasers of the collateral, and against creditors. \nO.C.G.A. 13-1-8. Contract defined -- Entire and severable contracts ( a ) A contract may be either entire or severable. In an entire contract, the whole contract stands or falls together. In a severable contract, the failure of a distinct part does not void the remainder. \n( b ) The character of the contract in such case is determined by the intention of the parties. O.C.G.A.13-1-1. Contract defined -- Generally A contract is an agreement between two or more parties for the doing or not doing of some specified thing.\n\nGrantor Owner Affiant XXXX Issued a Note valued at {$230000.00} received No guarantee of performance, loan receipt, validation of debt, creditors lien, despite several petitions and request to meet face to face. However XXXX note a negotiable instrument of value tendered and not returned dis-honored Manor Homes Received payment A FAIR EXCHANGE. Since then the note I issued, quote HAVE BEEN CHOPPED UP AND DUPLICATED SO MANY TIMES WE WOULDNT KNOW WHERE TO FIND IT end quote. Witness evidence must be subpoena by the court for disclosure XXXX XXXX is not A tenant but 1st possessor of tittle for 11 consecutive years and invokes his good faith adverse possession rights. A fraudulent deed under power was filed against my property by XXXX XXXX  XXXX and voided by owner XXXX because of the fraud. XXXX was in Bankruptcy at the time of wrongful invalid and void Sale. \nNO OBJECTION, request of a lift or permission to pursue was ever presented by XXXX XXXX XXXX , BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing, the responsible attorneys I believe to be a XXXX XXXX XXXX  XXXX XXXX attorneys for the firm XXXX XXXX XXXX. \n11. XXXX XXXX made misrepresentative statements prior, on behalf of XXXX XXXX in XXXX County Court Appearance and to my belief perjured.to cover up their fraudulent misrepresentation. evidence readily available upon request. \nO.C.G.A. 16-10-70. Perjury ( a ) A person to whom a lawful oath or affirmation has been administered commits the offense of perjury when, in a judicial proceeding, he knowingly and willfully makes a false statement material to the issue or point in question. \n\n( b ) A person convicted of the offense of perjury shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both. Perjury -- Overview Of 18 U.S.C. 1621 And 1623 Violations Manual at 902 et seq. \n12. O.C.G.A. 16-10-72. Subornation of perjury or false swearing A person commits the offense of subornation of perjury or false swearing when he procures or induces another to commit the offense of perjury or the offense of false swearing and, upon conviction thereof, shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both.\n\n13. Guilty of subordination of perjury18 U.S.C. 473 - Buying, Selling, Exchanging, Transferring, Receiving, or Delivering any False, Forged, Counterfeit, or Altered Obligation or Security of the U.S., with Intent that the Same be Passed, Published, or Used as True. \n14. O.C.G.A. 16-8-3. Theft by deception ( a ) A person commits the offense of theft by deception when he obtains property by any deceitful means or artful practice with the intention of depriving the owner of the property. \n15. ( b ) A person deceives if he intentionally : ( 1 ) Creates or confirms another 's impression of an existing fact or past event which is false and which the accused knows or believes to be false ; ( 2 ) Fails to correct a false impression of an existing fact or past event which he has previously created or confirmed ; ( 3 ) Prevents another from acquiring information pertinent to the disposition of the property involved ; ( 4 ) Sells or otherwise transfers or encumbers property intentionally failing to disclose a substantial and valid known lien, adverse claim, or other legal impediment to the enjoyment of the property, whether such impediment is or is not a matter of official record. \nGrand Theft is a Crime Involving Moral Turpitude- When the property is taken from the person of another. Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, Title 42 1943-unique importance : enforcement is placed in the hands of the people ( a ) Arrest warrants, contempt of court order petition, trespass, illegal eviction judgements among moral turpitude and other violations of Georgia codes and Supreme Court Laws and violations of Constitutional protections are being sought for all three perpetrators. \n( b ) Contempt of court. Failure to appear pursuant to any summons or subpoena, disrespectful conduct or failure to comply with any other order or judgment of the court shall constitute contempt of court and be punishable as provided by the City Charter.. \n( c ) O.C.G.A. 16-7-21 Criminal trespass A person commits the offense of criminal trespass when he or she knowingly and without authority : ( 1 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person for an unlawful purpose ; ( 2 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person after receiving, prior to such entry, notice from the owner, rightful occupant, or, upon proper identification, an authorized representative of the owner or rightful occupant that such entry is forbidden. \n( d ) The entity these men claim to be representing, XXXX XXXX XXXX XXXX   XXXX, denied owning the loan, denied owning the property, is unable to present the original note for authentication, does not own a Lawful Original security deed and Note signed by XXXX and themselves as parties to a contract registered in XXXX County Clerks Office, Can not prove up an unbroken chain of holder in due course AND DENIED involvement in the fraudulent wrongful foreclosure process. \n( e ) Transporting forgery securities interstate commerce ( 18 U.S.C. Section 2314 ), 18 U.S.C. 912 is a divisible statute and defines two separate offenses. First, \" whoever falsely assumes or pretends to be an officer or employee, acting under the authority of the United States or any department, agency or officer thereof, and acts as such '' ; or, second, \" in such pretended character demands or obtains any money, paper, document, or thing of value. '' Conviction for violation of the second portion necessarily involves an element of fraud ; and fraud being present, the crime is one involving moral turpitude CRIMES AGAINST PROPERTY ( f ) Moral turpitude attaches to any crime against property, which involves \" fraud, '' whether it entails fraud against the Government or an individual. The major crimes against property, which involve an evil or predatory intent, likewise involve moral turpitude. Certain crimes against property may require guilty knowledge or an intent to permanently take property.. CRIMES AGAINST PROPERTY FOUND TO INVOLVE MORAL TURPITUDE ( g ) Forgery.\n\n( h ) Uttering a Forged Instrument.\n\n( i ) Accessory Before the Fact in Uttering a Forged Instrument.\n\n( j ) Possession of Stolen Property ( k ) Sending Threatening Letters Through Mail with Intent to Extort.\n\nFraud.\n\n( l ) Encumbering Property with Intent to Defraud.\n\n( m ) Passing Forged Instruments.\n\n( n ) Attempted Fraud.\n\n( o ) Using the Mails to Defraud.\n\n( p ) Securities Fraud.\n\n( q ) Conspiracy to Defraud the Public.\n\n( r ) Transporting Stolen Property.\n\n( s ) Obtaining Money by False Pretenses.\n\n( t ) Malicious Trespass.\n\nEveryone who causes any event by an act which he knew would probably cause it, being reckless whether such event happens or not, is deemed for the purposes of this part to have caused it willfully.\n\nO.C.G.A. 44-14-33. Attestation or acknowledgment of mortgage ; additional witness in case of land ; constructive notice In order to admit a mortgage to record, it must be attested by or acknowledged before an officer as prescribed for the attestation or acknowledgment of deeds of bargain and sale ; and, in the case of real property, a mortgage must also be attested or acknowledged by one additional witness. In the absence of fraud. \n( u ) The crime of document forgery is committed by any of the following means : ( v ) Placing a false signature or flourish, even though imaginary, or altering a true one.\n\n( w ) Accessory Before the Fact in Uttering a Forged Instrument is a Crime ( x ) Every person concerned in the commission of a crime is a party thereto. O.C.G.A. 16-2-20. Any party who did not directly commit the crime may be convicted of the crime upon proof that the crime was committed and he was a party thereto, despite the outcome of the one who directly committed the crime. O.C.G.A. 16-2-21.0a ( y ) O.C.G.A. 16-2-0 ( b ) ( z ) Accessory before the fact ; accessory after the fact is hindering apprehension \" Abet '' means to encourage, incite, or help and \" Aid '' means to give help or assistance to. Proof of a common criminal intent with the actual perpetrators is necessary, and may be inferred from his conduct before, during, and after the crime. If associates shared common design to do an unlawful act, then any act done in pursuance by any one of them would be the act of each of them. \n( aa ) Penalty ( bb ) Punishment is that of the substantive offense. O.C.G.A. 16-2-21. \n( cc ) Whoever aids in the commission of a felony, or is accessory thereto before the fact by counseling, hiring or otherwise procuring such felony to be committed shall be punished in the manner provided for the punishment of the principal felon.\n\n( dd ) An accessory to a felony before the fact may be indicted, tried and punished in the same county where the principal felon might be indicted and tried, ( ee ) Uttering Forged Record or Contract.\n\n( ff ) Whoever, with intent to injure or defraud, utters and publishes as true a false, forged or altered record, deed, instrument or other writing knowing the same to be false, forged or altered, shall be punished by imprisonment in the state prison for not more than 10 years in jail for not more than two years.\n\n( gg ) Forgery of Public Documents. \n( hh ) Swindling ( ii ) Conspiracy to Commit Forgery in the Third Degree and Making False Statement ( jj ) Forgery is a Crime Involving Moral Turpitude-, Georgia .\n\n( kk ) State of Georgia conviction for forgery. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). The XXXX Circuit in XXXX v. XXXX, XXXX XXXX. Appx. XXXX ( XXXX Cir. XX/XX/XXXX ), held that a conviction for forging proof of financial responsibility under the Texas Transportation Code, section 601.196, was  a XXXX as the offense involved forgery and was fraudulent in nature. \n( ll ) Attempting to Obstruct or Impede the Progress of Justice.\n\n( mm ) 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees ( a ) Whoever, with intent to avoid, evade, prevent, or obstruct compliance, in whole or in part, with any civil investigative demand duly and properly made under the Antitrust Civil Process Act, willfully withholds, misrepresents, removes from any place, conceals, covers up, destroys, mutilates, alters, or by other means falsifies any documentary material, answers to written interrogatories, or oral testimony, which is the subject of such demand ; or attempts to do so or solicits another to do so ; ( b ) The Real Estate Settlement Procedures Act ( RESPA ) was a law passed by the United States Congress in 1974 and codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617.\n\n( c ) Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed. \n( d ) All attempts to hold these conspirators accountable have failed thus far However XXXX was instructed by Magistrate Judge to refile warrant application for XXXX XXXX because lack of service of last notice to appear. I am now pleading with the F.B.I., XXXX District Attorney, Georgia Attorney General 's Office to Investigate these bullies. \nO.C.G.A. 51-6-1. Right of action for fraud accompanied by damage : Fraud, accompanied by damage to the party defrauded, always gives a right of action to the injured party. The XXXX Family is the only Injured Party and has lost thousands and missing notes, is suffering financially and emotionally, Georgia applies the Impact Rule which permits recovery for negligent infliction of emotional distress only when the conduct causes a direct physical impact on the plaintiff. XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. The contact may be de minimis and still be sufficient for the plaintiff to recover. \n\nXXXX lost thousands of dollars in the fraud and shall continue defending our home of 11 CONSECUTIVE YEARS.XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX HAVE NO INTEREST IN OUR HOME AND SEEKS ONLY THE UNJUST FINANCIAL GAIN THEY CAN RECEIVE XXXX HAD PRIOR KNOWLEDGE THAT THE PROPERTY IS UNDER AN EXEMPT FROM SALE AND LEVY COURT ORDER IN WHICH HE LITIGATED AND FAILED, IN WHICH HE TRIED TO GET OVERTURNED AND FAILED.SPECIFIC QUESTIONS WERE ASKED BY TWO XXXX COUNTY JUDGES REQUEST TRANSCRIPT OR AUDIO OF CASES AS EVIDENCE.XXXX XXXX knew XXXX is under bankruptcy before wrongful invalid void foreclosure. Debts discharged with NO OBJECTION FROM PARTIES XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX SPECIALIZED LOAN SERVICING XXXX XXXX XXXX OR ANY CREDITOR AT MEETING OF CREDITORS AND NO PRESENTMENT OF A CREDITORS LIEN. \nHere are some basic black letter rules, that have been followed for centuries : 1. A holder must possess the original note.\n\n2. Transfer of possession must be authenticated by an affidavit or certification based upon personal knowledge. In writing 3. A party relying upon power of attorney or other document must produce the authenticated original of that document.\n\n4. Using the words as attorney in fact means nothing unless the party is able to produce a witness who, in their own personal knowledge, knows and states that the POA is in writing and has not been revoked.\n\n5. That witness must be able to lay the factual foundation and authentication for introduction of the Power of Attorney or any other such document.\n\n6. Without such foundation and authentication, any testimony or documents proffered by virtue of the POA can not be admitted into evidence and for purposes of the case then, such statements or documents do not exist.\n\n7. A party who claims a legal relationship with another party and who relies upon it for proffering evidence must provide evidence of the legal relationship.\n\n8. A Power of Attorney must be in writing, duly signed and acknowledged as set forth in state statutes. Oral Powers of Attorney can not be used to circumvent the requirement that interests in real property ( including mortgages ) must be in writing.\n\n9. A party seeking to enforce a note must be able to establish, through competent evidence, the location and the previous locations of the note in order to establish possession and the right to enforce, respectively.\n\n10. Certifications must be based upon personal knowledge and","date_sent_to_company":"2018-05-07T15:47:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"2835077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2018-03-06T18:31:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The false pretense includes making a <em>claim</em> about a past event or existing fact. Theft by conversion does not include making false <em>claims</em> or wrongfully obtaining the property. 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Until this debt is fully validated, all collection activities must cease.\n\nFurthermore, I am explicitly asserting my rights under federal law regarding the privacy and use of my personal information. I demand strict compliance with the following statutes : - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : You are hereby notified that you may not disclose my nonpublic personal information to any nonaffiliated third party, except as permitted by law. Any unauthorized disclosure may be considered a violation of the GLBA. \n- 15 U.S.C. 1681b ( Fair Credit Reporting Act ) : I remind you that a consumer report can only be furnished for a \" permissible purpose ''. An impermissible pull of my credit report ( e.g., without a legitimate business need in connection with a transaction or account review ) could violate the FCRA. \n- 18 U.S.C. 1028A ( Aggravated Identity Theft ) : My identity and means of identification are protected under federal criminal law. 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