{"took":106,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2319570","_score":22.232662,"_source":{"product":"Mortgage","complaint_what_happened":"***NEW EVIDENCE**** NATIONSTAR CONTINUES TO BE A CRIME WAVE DISGUISED AS A LEGITIMATE COMPANY. \n\n***DOCUMENTED CRIMINAL ACTS IN THE PAST 12 MONTHS INCLUDES*** : FAILURE TO MAIL MONTHLY STATEMENTS, EXTORTION, EMBEZZLEMENT, COLLECTING ADDITIONAL PRINCIPAL WITHOUT CREDIT, ILLEGAL ATTORNEY FEES, ILLEGAL INSPECTION FEES, MORE A RANDOM ILLEGAL FEE OF {$500.00} WAS ADDED TO XXXX 2016 WITH NO EXPLANATION TO TRIGGER THE CFPB PROCESS AS JUST ONE EXAMPLE. \nNATIONSTAR HAS LIED TO THE CFPB AND THEY HAVE ALSO IMPLEMENTED A VISIBLE, CRIMINAL COVER-UP AS THEY ATTEMPT TO STEAMROLL VICTIMS AND STEAL HOMES ILLEGALLY FROM OWNERS WHILE SIMULTANEOUSLY COMMITTING INSURANCE FRAUD, CONSUMER FRAUD, AND SECURITIES AND EXCHANGE FRAUD WHEN YOU INCLUDE THE MASTERMINDS OF THE CRIME WAVE, XXXX XXXX, XXXX XXXX AND XXXX. \n\nIN WOULD LIKE TO THANK NATIONSTAR FOR MAILING THESE RECORDS OF THEIR CRIMINAL ACTIVITY WHICH ADDS ADDITIONAL FEDERAL CRIMES TO PROSECUTE, I ALSO WANT TO REMIND EVERYONE THAT THEY FAILED TO MAIL MONTHLY STATEMENTS FOR MOST OF 2016 AS THEY TRIED TO USE THEIR ILLEGAL TACTICS AND ILLEGAL ACCOUNTING IN A SYSTEMATIC, PROGRAMMED FRAUD. \n\nI SPOKE WITH A CONTRACTOR FOR NATIONSTAR MORTGAGE AND WAS ALSO ABLE TO CONFIRM WITH XXXX ( A COMPANY THAT WORKS WITH NATIONSTAR AND ALSO SERVICES LOANS ) THAT SYTEMATIC, COMPUTER PRE PROGRAMMED COMPUTER FRAUD IS WIDESPREAD AND COMMON, NOT AN EXCEPTION. IT IS ALSO AN ISSUE THE CFPB IS ACTIVELY INVESTIGATING BECAUSE I WAS TOLD ABOUT IT FROM PARTIES COMMITTING THE CRIMINAL ACTS WHILE CLAIMING THEY ARE \" INADVERTENT ERRORS ''. \n\nATTACHED IS THE MOST RECENT STATEMENT FROM NATIONSTAR/XXXX AND XXXX XXXX. YOU WILL SEE THAT THEY MANUALLY TRIED TO CORRECT THE FRAUD ... BUT THE COMPUTER OVERODE IT AND REINSTALLED THE ILLEGAL FEES THEY REMOVED IN AN EFFORT TO COMPLY. {$26.00} A MONTH IS THE LATE FEE ... YET WE HAVE TWO MONTHS IN HOUSE PAYMENTS ADDED ONTO ONE MONTHLY STATEMENT AS RECENT ACTIVITY ... {$1800.00} ( XXXX XXXX XXXX XXXX DOLLARS ). \n\nI ALSO WANT TO POINT OUT THAT NATIONSTAR IS USING SELECTIVE DISCRETION ON OWNERSHIP OF THE LOANS. WHEN LEGAL QUESTIONS COME UP THEY START WITH THE STANDARD OPERATING PROCEDURE IN THIS CORRUPT SCUMBAG INDUSTRY, \" WE HAVE NO RECORD OF THE PRIOR SERVICE '' ... PROGRESSED ONTO \" THEY SAID NO ERRORS '' ... BUT MOVED ONTO ANSWERING THE CFPB COMPLAINTS AGAINST XXXX MORTGAGE AND XXXX BECAUSE THEY KNOW, LEGALLY, THEY OWN THE LOAN AND ALL THE ACTIONS ASSOCIATED WITH IT, PROFIT OR LIABILITY, ARE THEIRS TO OWN. \nTHIS CRIMINAL NETWORK HAS NO CUSTOMER SERVICE FEATURE. THAT IS ALL 100 % FRAUD. \n\n***LOAN MODIFICATION FRAUD*** WHEN WE APPLIED FOR LOAN MODIFICATION ... THE DENIAL LETTER CAME OUT BEFORE THE \" WE WILL REVIEW FOR NEXT 30 DAYS LETTER ''. I WILL PROVIDE COPIES UPON REQUEST, THEY ARE FILED AWAY IN PREPARATION OF A LAWSUIT AND OTHER ACTIONS IF REQUIRED DUE TO CONTINUED NON-COMPLIANCE. \nEXTORTION, EMBEZZLEMENT, MISREPRESENTATION, CRIMINAL FRAUD, INTENTIONALLY AND CRIMINALLY DEFRAUDING THE U.S. GOVERNMENT AND VARIOUS INSURANCE INSTRUMENTS, ILLEGAL FORECLOSURE, FAILURE TO COMPLY REGULATIONS AND LAW, MORE, HAVE ALL BEEN DOCUMENTED REPEATEDLY BY NATIONSTAR AND ENDORSED AND EMBRACED BY FORTRESS INVESTMENTS. \nTHERE IS NO PROFIT IN LOAN SERVICING. THE INCOME COMES FROM CRIME. THE CRIME IS COMMITTED USING DECEPTION. \n\nIF NATIONSTAR IS REALLY THIS INEPT ... WE CAN EXPLAIN AGAIN. \nLOAN ORIGINATION FRAUD ... ILLEGAL ESCROW FRAUD ... ILLEGAL INSURANCE FRAUD .... ILLEGAL CONSUMER FRAUD .... ILLEGAL INTENTONALLY DEFRAUDING A XXXX XXXX XXXX XXXX ... PRISON TIME FAILURE TO PROPERLY ACCOUNT FOR ALL FUNDS AT ALL TIMES ... ILLEGAL ADDING RANDOM ILLEGAL FEES .... ILLEGAL BLAMING A COMPUTER THATS CAPABLE OF STEALING BILLIONS IN SECONDS???? \nSTILL YOUR PROBLEM ... YOU OWN IT ... YOU PROGRAMMED IT ... PAY YOUR LOSSES FROM YOUR PROFITS. IT 'S THE LAW IN BUSINESS AND BANKING.","date_sent_to_company":"2017-01-31T10:52:50.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"34293","tags":"Older American","has_narrative":true,"complaint_id":"2319570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-01-31T10:52:49.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["THAT IS ALL 100 % <em>FRAUD</em>. \n\n***LOAN MODIFICATION <em>FRAUD</em>*** WHEN WE APPLIED FOR LOAN MODIFICATION ... THE DENIAL LETTER CAME OUT BEFORE THE \" WE WILL REVIEW FOR NEXT 30 DAYS LETTER ''. I WILL PROVIDE COPIES UPON REQUEST, THEY ARE FILED AWAY IN PREPARATION OF A LAWSUIT AND OTHER ACTIONS IF REQUIRED DUE TO CONTINUED NON-COMPLIANCE. \nEXTORTION, EMBEZZLEMENT, MISREPRESENTATION, CRIMINAL <em>FRAUD</em>, <em>INTENTIONALLY</em> AND CRIMINALLY <em>DEFRAUDING</em> THE U.S."]},"sort":[22.232662,"2319570"]},{"_index":"complaint-public-v1","_id":"2962309","_score":20.895,"_source":{"product":"Mortgage","complaint_what_happened":"LOAN ORIGINATION FRAUD ~ FRAUDULENT SALES DOCUMENTS, FRAUDULENT PRELIMINARY CLOSING DOCUMENTS AND FRAUDULENT TRUTH IN LENDING STATEMENTS AND FRAUDULENT ESCROW DISCLOSURES WERE ALL CONFIMREMED TO HAVE BEEN USED. NO CORRECTIONS WERE OFFERED AS REQUIRED BY LAW. UNDER U.S. FEDERAL CONSUMER LAWS WE HAVE EXERCISED OUR RIGHT TO LOAN CANCELLATION DUE TO FRAUD AFTER PROVING IT, BUT THIS JUST TRIGGERED MORE CRIME FROM THIS CRIMINAL ORGANIZATION.\n\nTHEY PRETEND TO OPERATE A LEGITIMATE BUSINESS AND THEY ALSO PRETEND THAT THEIR SYSTEMATIC, PRE-PROGRAMMED INTENTIONAL FRAUD AND CONSPIRACY TO DEFRAUD THE U.S. FEDERAL GOVERNMENT IS AN ACCIDENT. \nESCROW FRAUD ~ XXXX WAS STOLEN FROM OUR ACCOUNT, WE WERE NEVER NOTIFIED WHEN IT WAS STOLEN OR REPLACED AS REQUIRED BY LAW. THIS IS ALSO FRAUD AND MISAPPRPOPRIATION OF FUNDS. THEY STOLE THE MONEY ... THEN DOUBLED THE HOUSE PAYMENT ON A GRIEVING WIDOW. \nWHEN THE ESCROW FRAUD AND LOAN ORIGINATION FRAUD WERE DISCOVERED, NATIONSTAR PRETENDED TO INVESTIGATE, ASSURING ME IF THE CORRECTED LOAN ORIGINATION DOCUMENTS WERE NOT LOCATED, THEY WOULD TAKE APPROPRIATE ACTION. THEY ALSO COMMITTED ANOTHER COUNT OF FRAUD BY ASSURING US THAT NO FORECLOSURE WAS TAKING PLACE WHILE THEY REVERSED THE OBVIOUS FRAUD THEY HAD CONFIRMED THEMSELVES AFTER YEARS OF PRESSURE TO RELEASE THE TRUTH. \nWE HAVE YET ANOTHER INTENTIONAL FRAUD IN THE AREA OF ESCROW WHEN IT CAME TIME TO TELL US THE TRUTH ABOUT THE LOAN ORIGINATION. FOR YEARS ... NATIONSTAR CLAIMED TO HAVE NO RECORD OF ANY TRANSACTION PRIOR TO COLLECTING ON THE LOAN THEMSELVES. THIS IS ALSO WIRE FRAUD BECAUSE IT WAS DONE OVER THE PHONE. \nIN THE PAST 12 MONTHS, NATIONSTAR HAS STOLEN THOUSANDS OF DOLLARS FROM US AND THEY CONSTANTLY STEAL PRINCIPAL WITHOUT CREDIT. I HAVE THEM ON TAPE TELLING ME THEY ARE TAKING MONTHLY PAYMENTS, CALCULATING THE AMOUNT TO THE PENNY, DEBITING MY ACCOUNT, AND STEALING THOUSANDS OF DOLLARS REPEATEDLY.\n\nWHEN PUSHED THEY WILL PUT THE MONEY BACK BUT IT IS NOT CREDITED PROPERLY AND THEY WERE ABLE TO STEAL MONEY BY COLLECTING ON INTEREST THAT WAS NOT DUE. \nWE HAVE ASO CONFIRMED THAT NATIONSTAR CHARGES 100 % OF THE INTEREST, AN ILLEGAL, PRE-PAYMENT PENALTY, IF YOU PAY YOUR LOAN AHEAD. ON THE ONE OCCASION THEY DIDN'T STEAL A WHOLE PAYMENT, THEY STILL OVERCHARGED FOR INTEREST AND COLLECTED MONEY THAT WAS NOT THEIR 'S WITHOUT PROPER CREDIT. \nNATIONSTAR HAS COMMITTED WIRE FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT BY LYING ON THE PHONE. \nNATIONSTAR HAS COMMITTED FRAUD BY STEALING OUR XX/XX/XXXX HOUSE PAYMENT. \nNATIONSTAR JUST STOLE OUR XX/XX/XXXX HOUSE PAYMENT. \nNATIONSTAR COMMITTED FRAUD BY COLLECTING INTEREST THEY WERE NOT OWED WHILE STEALING PRINCIPAL WITHOUT INTEREST. \nNATIONSTAR DEFRAUDED THE US GOVERNMENT AND THE LOCAL AND STATE GOVERNMENT IN XXXX COUNTY AND FLORIDA RESPECTIVELY BY SELLING A HOME THEY NEVER LEGALLY OWNED THROUGH THEIR ONLINE AUCTION WEBSITE DBA XXXX. THIS ADDRESS IS XXXX XXXX XXXX  IN XXXX FLORIDA. THEIR TITLE COMPANY DBA XXXX XXXX CONFIRMED IN WRITING THAT NATIONSTAR NEVER HAD A CLEAR TITLE TO TRANSFER DESPITE YEARS OF EFFORT AND SOLD IT THROUGH A SHADY PAPER SHUFFLE KNOWN AS PORTFOLIO TRANSFER. \nWHEN CONFRONTED ABOUT THEIR WRONGDOING NATIONSTAR SAID, AND I QUOTE, THE XXXX YEAR OLD CONSUMERS \" SHOULD HAVE KNOWN '' THAT PREDATORY LENDING WAS OCCUURING AND THEY SHOULD HAVE EXPECTED THIS TYPE OF DISHONESTY AND CRIME. \nALTHOUGH WE CAN FIND SPECIFIC LAWS, RULES AND REGULATIONS TO BACK UP EVERY FRAUDULENT ACT, THIS CORRUPT ORGANIZATION RUNNING ON COMPUTER FRAUD CAN NOT ADMIT DOING ANYTHING WRONG. UP UNTIL NOW, THEY HAVE BEEN ABLE TO STEAL MILLIONS AND MILLIONS OF DOLLARS UNABATED BY SIMPLY SAYING IT IS AN ACCIDENT WHEN CHALLENGED AND \" CONSIDERING THE MATTER CLOSED '' WITHOUT DOING ANYTHING BUT TERRORIZING THE CONSUMER.\n\nNATIONSTAR COMMITTED ADDITIONAL FRAUD BY COMPLETING A FORECLOSURE THAT THEY SAID WAS NOT OCCURRING.\n\nNATIONSTAR COMMITTED MAIL FRAUD BY MAILING FALSE STATEMENTS DURING MOST OF THEIR LOAN SERVICE. \nNATIONSTAR COMMITTED FRAUD BY STOPPING ALL PAYMENT REQUESTS WHILE PRETENDING NOT TO FORECLOSE. THIS IS A SICK GAME AND RUTHLESS. THE CONSUMER NEVERS SEES IT COMING. WHILE PRETENDING TO BE NICE ON THE PHONE, YOU SEE NOTHING IN THE MAIL, UNTIL THE COURT NOTICE THAT YOU HAVE BEEN FORECLOSED. THEY ARE STILL TRYING TO COLLECT THE ATTORNEY FEES FROM THIS FORECLOSURE THEY LIED ABOUT. EVERY MONTH THE COMPUTER PUTS OUT A DEMAND LETTER FOR A PAYMENT ON THE FORECLOSURE EVEN THOUGH WE ARE AHEAD ON PAYMENTS","date_sent_to_company":"2018-07-13T14:11:25.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"34293","tags":"Older American","has_narrative":true,"complaint_id":"2962309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2018-07-13T13:51:42.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["THEY PRETEND TO OPERATE A LEGITIMATE BUSINESS AND THEY ALSO PRETEND THAT THEIR SYSTEMATIC, PRE-PROGRAMMED <em>INTENTIONAL</em> <em>FRAUD</em> AND CONSPIRACY TO <em>DEFRAUD</em> THE U.S. FEDERAL GOVERNMENT IS AN ACCIDENT. \nESCROW <em>FRAUD</em> ~ XXXX WAS STOLEN FROM OUR ACCOUNT, WE WERE NEVER NOTIFIED WHEN IT WAS STOLEN OR REPLACED AS REQUIRED BY LAW. THIS IS ALSO <em>FRAUD</em> AND MISAPPRPOPRIATION OF FUNDS. THEY STOLE THE MONEY ... THEN DOUBLED THE HOUSE PAYMENT ON A GRIEVING WIDOW."]},"sort":[20.895,"2962309"]},{"_index":"complaint-public-v1","_id":"2813671","_score":19.787418,"_source":{"product":"Mortgage","complaint_what_happened":"***PLEASE NOTE ... MR COOPER IS NATIONSTAR*** Nationstar has committed and confirmed loan origination fraud, escrow fraud, embezzlement, misappropriation of funds, and they have confirmed these criminal acts in writing. Most recently, Nationstar stole 2 different house payments and applied them to fraudulent fees they added onto my account illegally.\n\nWith the CFPB copied, I want you to reply by just writing \" confirm '' next to every line below ... and I will move to the Attorney Generals, Texas licensing, etc. This is simply a confirmation of what you put in writing previously.\n\n# 1 ) Nationstar approves of loan origination fraud # 2 ) Nationstar approves of misleading information sent via U.S. mail.\n\n# 3 ) Nationstar approves of wire fraud, specifically telling a consumer they are applying payments towards a loan while stealing them without their knowledge.\n\n# 4 ) Nationstar, when caught in the criminal acts of wire fraud, has committed fraud by pretending they can not retrieve the tapes I have requested even though they will have a rep, time and date stamp of the payment and a digital file they can easily access if they wanted to. \n# 5 ) Nationstar has no obligation to follow state laws, federal laws or consumer laws # 6 ) Nationstar is allowed to make up multiple lies and change stories as they commit crimes to shield itself from prosecution..\n\n# 7 ) Nationstar stated that Florida made a new law for wind insurance and it was added because of this new law.\n\n# 8 ) Nationstar stated that no wrongdoing occurred even though the entire loan packet is fraudulent.\n\n# 9 ) Nationstar engages in computer and wire fraud daily as part of normal business and has no intention of stopping it, # 10 ) Nationstar uses escrow fraud to pad the bottom line as a standard operating procedure. I paid the full amount due on my escrow shortage and immediately got a second request for another escrow shortage ... even though I just paid the full amount requested by Nationstar. Please confirm that you have intentionally defrauded the consumer in a systematic attempt to create a fictional foreclosure crisis to feed the rest of your system. \n# 12 ) Nationstar 's Title Company ( XXXX XXXX ) confirmed in writing that you never owned XXXX XXXX XXXX in XXXX Florida but you did sell it for profit and defraud the insurance industry by collecting the mortgage insurance. Please confirm that you routinely steal homes and sell them without proper paperwork. \n\n\nAlso ... this is my 10th request ... I want DIRECT CONTACT INFORMATION for NATIONSTAR 'S ATTORNEYS ... TO HAVE THEM DISBARRED ... The attorneys have been hiding after committing crimes and your company is now hiding them from me. If these attorneys are so brilliant and everything is legal ... they should have no problem handling the attempts to end their careers in criminal fraud, money laundering and criminal conversion. \n\nI WANT COPIES OF THE TAPES I PREVIOUSLY REQUESTED ... CLEARLY DOCUMENTING INTENTIONAL CRIMINAL FRAUD WHERE YOU STOLE MY XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... WITHOUT FURTHER DELAY I am sick and tired of the scams and games ... COMPLY with the information requests and CONFIRM the statements in writing. \n\nOR ... CANCEL THE LOAN AS REQUIRED BY LAW AND I GO AWAY ... FOREVER ***A NOTE FOR CFPB ... I HAVE WRITTEN EVIDENCE ON EVERY DOCUMENTED CRIMINAL ACT ... I ALSO HAVE CONFIRMED THAT EVERY INTENTIONAL CRMINAL ACT IS ENDORSED AND APPROVED BY XXXX XXXX","date_sent_to_company":"2018-02-13T14:41:05.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"34293","tags":"Servicemember","has_narrative":true,"complaint_id":"2813671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2018-02-13T14:30:41.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["# 1 ) Nationstar approves of loan origination <em>fraud</em> # 2 ) Nationstar approves of misleading information sent via U.S. <em>mail</em>.\n\n# 3 ) Nationstar approves of wire <em>fraud</em>, specifically telling a consumer they are applying payments towards a loan while stealing them without their knowledge."]},"sort":[19.787418,"2813671"]},{"_index":"complaint-public-v1","_id":"12904486","_score":13.926922,"_source":{"product":"Debt collection","complaint_what_happened":"this formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime.Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating RICO statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-09T07:24:11.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77016","tags":null,"has_narrative":true,"complaint_id":"12904486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T07:11:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unauthorized Access under the <em>Computer</em> <em>Fraud</em> and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits <em>intentionally</em> accessing a <em>computer</em> without authorization or exceeding authorized access to obtain information."]},"sort":[13.926922,"12904486"]},{"_index":"complaint-public-v1","_id":"12897294","_score":13.913067,"_source":{"product":"Debt collection","complaint_what_happened":"this formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion XXXX. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX  has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. 4. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. 5. Obstruction of Justice ( 18 U.S.C. 1519 ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. Under the FCRA, 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating RICO statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-09T07:42:27.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"12897294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T07:33:08.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Unauthorized Access under the <em>Computer</em> <em>Fraud</em> and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits <em>intentionally</em> accessing a <em>computer</em> without authorization or exceeding authorized access to obtain information."]},"sort":[13.913067,"12897294"]},{"_index":"complaint-public-v1","_id":"12773899","_score":13.138301,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax violated 18 U.S.C. 1343 ( Wire Fraud ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( Mail Fraud ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( Bank Fraud ), they facilitated fraudulent use of compromised consumer FINnancial data, harming financial institutions. By providing false statements to federal agencies and regulators, CAPITAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( RICO ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful transactions. \n\n\nIn XX/XX/XXXX XXXX PM, while I was dining at a restaurant in XXXX XXXX, Texas XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. Unlawful Reinsertion of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & Equifax initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), CAPITAL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Equifax failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX & Equifax is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Equifax is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Equifax Under Title 18 U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & Equifax reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Equifax is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX & Equifax permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Equifax refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. \n\nthis complaint against Equifax Information Services LLC for willful and negligent violations of the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030. Equifax has knowingly engaged in unauthorized use, transmission, and continued dissemination of my personal and sensitive information without proper authorization, despite clear evidence of identity theft and multiple formal notices. \n\nOn XX/XX/XXXX, while dining at a restaurant located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I lost my wallet, which contained my government-issued ID, Social Security card , and financial documents. Shortly after this loss, fraudulent accounts were opened in my name without my knowledge or consent. \n\nUpon reviewing my Equifax credit file, I discovered unauthorized accounts and adverse actions listed, which were established using my stolen information. I have submitted to Equifax an FTC Identity Theft Report, a police report, and formal dispute letters, all documenting that these accounts were fraudulently opened and that adverse actions were taken against me based on this unauthorized data use. \n\nDespite receiving these official notices, Equifax has continued to willfully transmit, store, and disseminate false, inaccurate, and unauthorized data related to these fraudulent accounts, in violation of 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information from a protected computer.\n\nEquifaxs ongoing failure to block and remove this fraudulent data after being notified constitutes unauthorized access, transmission, and misuse of protected consumer information. Their noncompliance has resulted in : Continued unauthorized publication and transmission of my stolen information to third-party lenders and creditors. \n\nFacilitating further fraudulent activity and financial harm to me. \n\nObstructing federal processes and protections established under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. \n\nAdditionally, by allowing unauthorized access to my personal data and transmitting this fraudulent information across interstate networks, Equifax is knowingly participating in conduct prohibited under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 5 ) ( A ) and ( C ) causing damage and loss to me as a consumer.","date_sent_to_company":"2025-04-02T04:10:05.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"12773899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-02T03:09:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>Mailing</em> false credit reports and adverse actions based on fraudulent data constitutes <em>mail</em> <em>fraud</em>, as they knowingly sent or caused misleading documents to be <em>mailed</em>, which is a federal offense. XXXX. Conspiracy to Commit <em>Fraud</em> ( 18 U.S.C. 371 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Equifax willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit <em>fraud</em>."]},"sort":[13.138301,"12773899"]},{"_index":"complaint-public-v1","_id":"12926172","_score":12.8271055,"_source":{"product":"Debt collection","complaint_what_happened":"Adverse Action Narrative TransUnions Systematic Violation of FCRA 615 ( a ) and Federal Law I am submitting this narrative to document TransUnions unlawful reporting of fraudulent accounts and adverse public records without evidence of proper adverse action notification from furnishers, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681m ( a ), and multiple provisions under Title 18 of the U.S. Code.\n\n1. Legal Obligation to Provide Adverse Action Notices According to FCRA 615 ( a ) ( 15 U.S.C. 1681m ), if a creditor, lender, or any entity takes adverse action against a consumer based on information obtained from a consumer reporting agency ( CRA ), they are required to send an adverse action notice that includes : The name and contact information of the CRA.\n\nA statement that the CRA did not make the decision to take the adverse action.\n\nA notice of the consumer 's right to a free credit report.\n\nThe right to dispute inaccuracies with the CRA. \n\nFailure to issue this notice is not only a violation of federal law it undermines my ability to respond, dispute, or correct errors in a timely manner. \n\n2. TransUnions Violation of this Requirement TransUnion is knowingly reporting fraudulent accounts and public records including bankruptcies and collection accounts without verifying whether an adverse action notice was sent by the creditor or data furnisher. \n\nIn many of these cases, the creditor used an address that does not belong to me and to which I never had access. \n\nThis is supported by : My FTC Identity Theft Report ( Report # XXXX ), which identifies accounts on my credit report that I never authorized and which are tied to unauthorized addresses, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX none of which are my legal residences. \n\nMy XXXX XXXX Police Report ( XXXX ) documenting the loss of my drivers license, Social Security card, and other personal documents. These materials were likely used by third parties to fraudulently open accounts in my name. \n\nBecause these furnishers had incorrect and unauthorized addresses, it is legally impossible for them to have fulfilled the adverse action notice requirement under 1681m. If I never received a notice, I was never informed of the creditors adverse decision, and therefore deprived of my opportunity to dispute it.\n\nTransUnion, as the consumer reporting agency, has a duty under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in the consumer file and to use reasonable procedures to ensure that furnishers are compliant with the law. Allowing accounts to report without confirming proper adverse action notifications were issued to the consumer shows a failure of those procedures. \n\n3. Adverse Action Violations = FCRA Noncompliance + Criminal Conduct TransUnions willful and repeated actions violate : FCRA 615 ( a ) : No adverse action notices = illegal reporting.\n\nFCRA 1681e ( b ) : Failure to use reasonable procedures to ensure furnishers followed the law.\n\nFCRA 1681n & 1681o : Willful and negligent noncompliance with FCRA obligations.\n\nFCRA 1681i : Failure to investigate after formal disputes.\n\nBecause TransUnion continues reporting these accounts after receiving identity theft documentation, this conduct also meets the threshold for criminal violations : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting false credit data electronically.\n\nMail Fraud ( 18 U.S.C. 1341 ) : Using USPS to deliver credit reports containing knowingly inaccurate data.\n\nObstruction of Justice ( 18 U.S.C. 1519 ) : Ignoring FTC and police documentation.\n\nComputer Fraud and Abuse Act ( 18 U.S.C. 1030 ) : Unauthorized access, use, and dissemination of sensitive consumer data.\n\nAiding and Abetting ( 18 U.S.C. 2 ) : TransUnions cooperation with creditors who failed to follow the law makes them liable as a principal actor. \n\n4. The Core Issue : Lack of a Permissible Address = No Legal Notice Possible The entire adverse action process depends on a valid and current consumer address. In my case, creditors used old or fraudulent addresses, which means : They could not have legally notified me.\n\nI never received notice of these debts or denials.\n\nThe entries on my credit file were made and reported illegally.\n\nBy allowing these entries to remain on file despite having received identity theft affidavits and police documentation, TransUnion is complicit in these legal violations.\n\nthis formal complaint against TransUnion and TransUnion for multiple violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and Title 18 of the U.S. Code. My primary concern arises from the mishandling of my credit file, improper reinsertion of fraudulent accounts, failure to block fraudulent information, and obstruction of justice. Background of the Incident I lost my purse, which contained my government-issued ID, Social Security card , and financial documents. Despite my efforts to recover it, I was unable to do so. At the time, I did not immediately report the loss, as I did not notice any unauthorized activity. However, upon reviewing my credit report, I discovered that fraudulent accounts had been opened shortly after the loss using my stolen information. These fraudulent accounts were not only unauthorized but also resulted in adverse actions sent to an address that does not belong to me. I have since filed a police report and an FTC Identity Theft Report to document and address this identity theft. Despite these reports, TransUnion has refused to remove fraudulent accounts and TransUnions Special Handling Department, under the authority of an individual named XXXX, has been uncooperative, dismissive, and has failed to take the necessary protective actions regarding my identity and account security. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially removed a fraudulent account after my dispute, only to reinsert it without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This action deprived me of my right to dispute it again, a blatant violation of consumer protection laws. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity theft-related information within four business days after receiving appropriate documentation, such as an FTC Identity Theft Report and a police report. Despite my submission of these documents, TransUnion refused to comply, allowing fraudulent accounts to continue damaging my credit profile. 3. Failure to Validate Information I formally requested debt validation for these fraudulent accounts under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized the accounts. If no such proof exists, they are legally required to delete the information immediately, yet they continue to report these fraudulent accounts. 4. Criminal Violations Committed by TransUnion By knowingly reporting false information, TransUnion is engaged in multiple criminal offenses, including : Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting fraudulent credit information electronically across state lines, despite receiving an FTC Identity Theft Report and a police report. Bank Fraud ( 18 U.S.C. 1344 ) : Knowingly allowing fraudulent accounts to remain, misleading federally insured financial institutions in lending decisions. Mail Fraud ( 18 U.S.C. 1341 ) : Enabling creditors to send adverse action notices to an incorrect address, preventing me from disputing fraudulent accounts. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) : Willfully collaborating with creditors to maintain fraudulent accounts despite evidence of identity theft. Obstruction of Justice ( 18 U.S.C. 1519 ) : Refusing to acknowledge official reports, obstructing federal investigations, and hindering regulatory enforcement efforts. Violations Committed by TransUnions Special Handling Department 1. Failure to Properly Investigate and Protect My Identity TransUnion, under the supervision of an individual named XXXX in the Special Handling Department Case Number : XXXX has failed to secure my credit file and has acted in bad faith. Despite my request for added security measures, XXXX has been uncooperative, rude, and negligent in addressing my identity theft concerns. This is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 ), which mandates credit bureaus to ensure the accuracy and protection of consumer credit reports. 2. Failure to Adhere to the FCRA and CFPB Guidelines As a consumer reporting agency, TransUnion is required to maintain accurate credit files and must comply with all consumer protection laws. Their failure to do so constitutes : Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) : Failing to take reasonable steps to prevent identity theft and fraudulent credit reporting. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) : Knowingly allowing inaccurate and fraudulent information to remain on my credit report. I lost my PURSE, which contained sensitive personal information, including my government-issued ID, Social Security card , and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against TransUnion for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, TransUnion continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security card , and financial information, which led to unauthorized credit activity. Violations Committed by TransUnion 1. Unlawful Reinsertion of Fraudulent Accounts TransUnion initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), TransUnion must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. 3. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but TransUnion failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. 4. Criminal Violations Committed By knowingly reporting false information, TransUnion is engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TransUnion is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States District Attorney for criminal review. There is indisputable evidence proving TransUnion Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by TransUnion Under Title 18 U.S. Code TransUnion actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title 18 of the United States Code . These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes TransUnion has violated : 1. Wire Fraud ( 18 U.S.C. 1343 ) TransUnion has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. 2. Bank Fraud ( 18 U.S.C. 1344 ) TransUnion refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on TransUnion reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, TransUnion is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. 3. Mail Fraud ( 18 U.S.C. 1341 ) TransUnion permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit XXXX ( XXXX XXXX. XXXX ) TransUnion willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( XXXX XXXX. XXXX ) TransUnion refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. \n\nUnder the FCRA, XXXX XXXX. XXXX, a consumer reporting agency XXXX furnish a consumer report only under certain circumstances and for specified permissible purposes. I did not authorize these entities to access my credit information, nor did any permissible purpose exist for such inquiries and account postings. Therefore, their actions constitute a direct violation of federal law. 2. Unauthorized Access under the Computer Fraud and Abuse Act ( CFAA ), 18 U.S.C. 1030 ( a ) ( 2 ) Accessing my credit information without proper authorization may also constitute a violation of the CFAA, 18 U.S.C. 1030 ( a ) ( 2 ), which prohibits intentionally accessing a computer without authorization or exceeding authorized access to obtain information. By retrieving my credit report without my consent, these entities have potentially engaged in unlawful access to protected computer systems containing my personal and financial data. 3. TransUnion 's Responsibility under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As a consumer reporting agency, TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their credit file. Failure to promptly correct or delete inaccurate, incomplete, or unverifiable information after such a dispute constitutes non-compliance with federal law. It is imperative that TransUnion upholds its legal duties to ensure the integrity of the information it reports. 4. Failure to Assure Maximum Possible Accuracy, 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inclusion of unauthorized inquiries and accounts indicates a failure to maintain reasonable procedures, thereby violating this provision of the FCRA. 5. Facilitating Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 The GLBA requires financial institutions to protect the security and confidentiality of consumers ' nonpublic personal information. By allowing unauthorized entities to access and place information on my credit report, TransUnion may be facilitating violations of the GLBA, compromising the privacy and security of my personal financial data. 6. Negative Impact on My Creditworthiness These unauthorized inquiries and accounts have adversely affected my credit score and creditworthiness, causing potential harm to my financial reputation and opportunities. Under the FCRA, I have the right to dispute inaccurate information and expect timely correction to prevent further damage. 7. Violation of Wire Fraud Statute ( 18 U.S.C. 1343 ) TransUnion has committed wire fraud under 18 U.S.C. 1343 by electronically transmitting unauthorized hard inquiries and accounts on my credit report without my explicit consent. By using interstate wire communications to execute this scheme, TransUnion intentionally misrepresented my credit information. Despite prior disputes and notices, the company repeatedly included these unauthorized entries, demonstrating an intentional effort to defraud me through electronic means. This misuse of electronic systems to disseminate false information satisfies all elements required for wire fraud under federal law. 8. Violations Under the XXXX XXXX and Corrupt Organizations Act ( XXXX ) ( 18 U.S.C. 19611968 ) This marks the third instance in which TransUnion has been involved in reporting unauthorized inquiries and accounts from the same entities on my credit report. Under the XXXX XXXX and Corrupt Organizations Act ( XXXX ), 18 U.S.C. 19611968, engaging in a pattern of racketeering activity connected to an enterprise is prohibited. TransUnion 's repeated unauthorized reporting of this information, in collaboration with these companies, constitutes a pattern of racketeering activity. By knowingly facilitating these unauthorized entries, TransUnion is participating in an enterprise engaging in illegal activities, thereby violating XXXX statutes. 9. Violation of Mail Fraud Statute ( 18 U.S.C. 1341 ) TransUnion is sending me copies of my credit report via postal mail, which contain unauthorized and inaccurate information. By using the United States Postal Service to deliver these credit reports with knowingly incorrect data, TransUnion is utilizing the mail system to further a scheme that misrepresents my creditworthiness. This action constitutes mail fraud under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the mail meets all legal criteria for mail fraud as defined by federal law. 10. Aiding and Abetting Unauthorized Activities ( 18 U.S.C. 2 ) TransUnion is allowing these companies to place unauthorized inquiries and accounts on my credit report without proper verification or permissible purpose. By facilitating these unlawful actions and failing to protect me as a consumer, TransUnion is aiding and abetting these entities in violating federal laws, including the Fair Credit Reporting Act. Under 18 U.S.C. 2, anyone who aids, abets, counsels, commands, induces, or procures the commission of a federal offense is punishable as a principal. TransUnion 's negligence and failure to exercise due diligence make them complicit in these unlawful activities, directly contributing to the harm inflicted upon me. 11. Grounds for Bank Fraud ( 18 U.S.C. 1344 ) TransUnion 's actions also constitute bank fraud under 18 U.S.C. 1344, which prohibits schemes to defraud financial institutions or to obtain assets under their control by means of false or fraudulent pretenses. By inaccurately reporting information that adversely affects my creditworthiness, TransUnion is influencing financial institutions to make decisions based on false information. This leads to wrongful financial gain for the entities involved and causes financial harm to me. Manipulating credit reports in this manner meets the criteria for bank fraud as defined by federal law.","date_sent_to_company":"2025-04-10T17:01:45.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77038","tags":null,"has_narrative":true,"complaint_id":"12926172","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-10T16:11:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["This action constitutes <em>mail</em> <em>fraud</em> under 18 U.S.C. 1341, which prohibits the use of the postal service in executing a scheme to <em>defraud</em> or obtain money or property by means of false or fraudulent pretenses, representations, or promises. TransUnion 's deliberate dissemination of false credit information through the <em>mail</em> meets all legal criteria for <em>mail</em> <em>fraud</em> as defined by federal law. 10."]},"sort":[12.8271055,"12926172"]},{"_index":"complaint-public-v1","_id":"12353562","_score":9.670994,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX violated 18 U.S.C. 1343 ( XXXX XXXX ) by transmitting false data security assurances while failing to prevent unauthorized electronic access to consumer information. They violated 18 U.S.C. 1341 ( XXXX XXXXXXXX ) by sending misleading written communications claiming strong protections, then allowing breaches. Under 18 U.S.C. 1344 ( XXXX  XXXX ), they facilitated fraudulent use of compromised consumer nancial data, harming nancial institutions. By providing false statements to federal agencies and regulators, XXXX violated 18 U.S.C. 1001, and their repeated actions show a pattern of racketeering activity, violating 18 U.S.C. 1962 ( XXXX ). Their willful disregard of basic cybersecurity standards and enabling of identity theft also violate 18 U.S.C. 1028 ( Identity Theft ) and 18 U.S.C. 1030 ( Computer Fraud and Abuse Act ). Collectively, these acts form a conspiracy under 18 U.S.C. 371, demonstrating deliberate participation in unlawful In XX/XX/XXXX, during a trip to XXXX, Texas, I lost my wallet, which contained sensitive personal information, including my government-issued ID, Social Security card XXXX and financial documents. Despite retracing my steps, I was unable to recover it. At the time, I did not report the loss because I did not notice any immediate fraudulent activity. Recently, while reviewing my credit report, I discovered fraudulent accounts had been opened in my name shortly after the loss. These accounts were opened without my authorization, using my stolen information, and adverse actions were sent to an address that does not belong to me. I am filing this report because I believe the person who found my wallet used my personal information to commit identity theft. I am pursuing all legal remedies to resolve this matter and hold the responsible party accountable. I am filing this complaint against XXXX for multiple violations of federal law regarding their handling of fraudulent accounts on my credit report. Despite an FTC Identity Theft Report already on file and a newly filed police report, XXXX continues to report accounts that were fraudulently opened in my name. These accounts stem from a stolen wallet containing my government-issued ID, Social Security XXXX XXXX and financial information, which led to unauthorized credit activity. Violations Committed by XXXX XXXX XXXX Unlawful Reinsertion of Fraudulent Accounts XXXX initially deleted an account after my dispute, only to reinsert it without legally required notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation, as they failed to provide written notification within five business days, depriving me of my right to dispute it again. 2. Failure to Block Fraudulent Information Under FCRA 15 U.S.C. 1681c-2 ( a ), XXXX must block information resulting from identity theft within four business days after receiving proper documentation, including an FTC Identity Theft Report and a police report. They refused to comply, allowing creditors to continue reporting fraudulent accounts. XXXX. Failure to Validate Information I requested debt validation for the fraudulent accounts as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), but XXXX failed to provide any proof that I authorized these accounts. If no legal proof exists, they are obligated to delete the information immediately. XXXX. Criminal Violations Committed By knowingly reporting false information, XXXX XXXXs engaging in wire fraud ( 18 U.S.C. 1343 ), bank fraud ( 18 U.S.C. 1344 ), and mail fraud ( 18 U.S.C. 1341 ), as they transmitted fraudulent data electronically and allowed adverse action notices to be sent to an incorrect address. Additionally, their actions amount to conspiracy under 18 U.S.C. 371, as they are willfully participating in deceptive financial reporting that harms consumers. TBOM/CONTFIN is not above the law and can not continue to act as if they are merely a reporting entity while ignoring their legal obligations. I will pursue civil litigation if necessary and will also escalate this matter to the United States XXXXXXXX XXXX  for criminal review. There is indisputable evidence proving XXXX  Is noncompliance, and they can not lawfully claim innocence given the facts presented. Criminal Violations Committed by XXXX Under Title 18 U.S. Code XXXX actions in knowingly re-reporting fraudulent accounts, failing to block identity theft-related information, and refusing to comply with federal dispute laws constitute multiple criminal violations under Title XXXX of the United States Code. These violations extend beyond civil infractions and fall under federal criminal law, which carries severe penalties, including fines and imprisonment. Below are the specific statutes XXXX has violated : XXXX. XXXX XXXX ( 18 U.S.C. 1343 ) XXXX  has engaged in wire fraud by electronically transmitting false and misleading information across state lines. Despite receiving an FTC Identity Theft Report and a police report, they continue to report fraudulent accounts as valid. By doing so, they knowingly facilitate the misrepresentation of my financial status to lenders, which can cause financial harm, denials of credit, or higher interest rates. This constitutes a scheme to defraud, using electronic means to commit fraud against me as a consumer. XXXX. XXXX  XXXX ( 18 U.S.C. 1344 ) TBOM/CONTFIN refusal to correct fraudulent accounts enables creditors to make lending decisions based on false information. This affects federally insured banks that rely on XXXX reports when determining loan eligibility. By knowingly allowing fraudulent accounts to remain, XXXX is aiding and abetting bank fraud by facilitating financial deception that leads to wrongful lending or credit denials. XXXX. XXXX XXXX  ( 18 U.S.C. 1341 ) XXXX  permitted creditors to send adverse action notices to an incorrect address, resulting in my inability to dispute fraudulent accounts in a timely manner. Mailing false credit reports and adverse actions based on fraudulent data constitutes mail fraud, as they knowingly sent or caused misleading documents to be mailed, which is a federal offense. XXXX. Conspiracy to Commit Fraud ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit fraud. They are acting in concert with financial institutions by refusing to delete fraudulent accounts, ultimately harming consumers while profiting from inaccurate credit reporting. XXXX. Obstruction of Justice ( 18 U.S.C. 1519 ) XXXX refusal to acknowledge official identity theft complaints, police reports, and FTC reports amounts to obstruction of justice. By ignoring and delaying legally required actions, they are actively interfering with federal investigations and regulatory enforcement, which is a federal crime. 6.Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 7.Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes. 8.Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : TBOM/CONTFIN in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX & XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. egregious violations committed by XXXX XXXX its affiliated creditors, and associated parties. Their actions not only contravene consumer protection laws but also constitute violations of criminal statutes, causing harm to my financial standing and perpetuating fraudulent practices. XXXX. Failure to Provide Adverse Action Notices Under 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), creditors are legally required to provide adverse action notices when they deny credit based on information from a credit report. Despite repeated denials, none of the creditors reporting on my file have issued such notices, depriving me of my right to understand and dispute the reasons behind these adverse decisions. This failure violates federal law and undermines transparency in consumer reporting. 2. Inaccurate Address Reporting The Federal Trade Commission ( FTC ) identity theft report fraudulent addresses that have been inaccurately reported on my credit file, including : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX nj XXXX These addresses are entirely fraudulent, and I have never resided at or been associated with them. XXXX continued inclusion of these addresses violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy of the data they report. By knowingly including these false addresses, XXXX has acted negligently and in bad faith, directly facilitating harm to my creditworthiness and perpetuating fraudulent debt collection schemes. XXXX. Fraudulent Use of False Addresses to Collect Debt The inaccurate addresses in my credit file have been exploited by creditors to conspire in fraudulent debt collection activities, violating both civil and criminal statutes : : Conspiracy to Legitimize Invalid Debts ( 18 U.S.C. 371 ) : XXXX, in collusion with associated creditors, has conspired to use fraudulent information to legitimize debts that are either invalid or outdated. By reporting incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, where I have never residedthey have fabricated a connection between me and these illegitimate debts. This calculated conspiracy aims to deceive and manipulate both consumers and financial institutions for unlawful financial gain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 18 U.S.C. 1343 ) : XXXX has knowingly transmitted false address data and outdated debt information electronically across state lines. By doing so, they have engaged in wire fraud, intentionally deceiving financial institutions and other entities that rely on accurate credit information. Their actions have directly harmed me financially by negatively impacting my creditworthiness based on fabricated data. XXXX XXXXXXXX XXXX Distribution of Inaccurate Credit Reports ( 18 U.S.C. 1341 ) : By mailing credit reports containing false addresses and obsolete debts, XXXX perpetuates a fraudulent scheme designed to mislead creditors and consumers. This misuse of the postal service to disseminate fraudulent information constitutes mail fraud. Their deliberate actions have sown confusion and inflicted unwarranted damage on my financial reputation. XXXX XXXX XXXX XXXX Statutes ( 18 U.S.C. 1961 et seq. ) : TBOM/CONTFIN persistent reporting of false information, combined with its collaboration with creditors engaging in deceptive practices, establishes a clear pattern of racketeering activity. Their systematic fraud falls squarely under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). By operating an enterprise through a pattern of racketeering activity, XXXX has XXXX blatant disregard for federal law and consumer rights. XXXX XXXXXXXX Affecting Financial Institutions ( 18 U.S.C. 1344 ) : By providing false data to financial institutions, XXXX has engaged in bank fraud. Their actions have undermined the integrity of the banking system, causing harm not only to me but also to lenders who rely on accurate information to make informed decisions. This deception has led to incorrect assessments of credit risk, potentially resulting in financial losses for these institutions. Fraudulent Misrepresentation Causing Direct Harm ( Common Law ) : TBOM/CONTFIN has intentionally misrepresented material information by reporting incorrect addresses and outdated debts. This fraudulent misrepresentation has directly harmed my financial standing, leading to unjust credit denials and tarnishing my reputation. Their willful deceit violates fundamental principles of honesty and fair dealing, inflicting measurable damages upon me. Unfair and Deceptive Practices Violating the FTC Act ( 15 U.S.C. 45 ) : XXXX actions constitute unfair and deceptive practices in violation of Section XXXX of the Federal Trade Commission Act. By misrepresenting my credit information, they have engaged in conduct that is unethical, unscrupulous, and substantially injurious to consumers. Their practices are not only unjustified but also violate established standards of commerce and trade. Detailed Application of Violations : Conspiracy ( 18 U.S.C. 371 ) : XXXX  deliberate collaboration with creditors to report false information is a calculated effort to deceive. By fabricating addresses and associating invalid debts with my credit file, they have created a false narrative intended to coerce payment on debts that are not legally enforceable. This conspiracy is a direct affront to federal statutes designed to protect consumers from such collusive fraud. XXXX XXXX ( 18 U.S.C. 1343 ) : The electronic transmission of knowingly false credit data constitutes wire fraud. TBOM/CONTFIN actions were not accidental but intentional, with full awareness of the falsehoods being propagated. By transmitting this data, they have exploited interstate communication channels to perpetrate fraud, causing substantial financial harm to me and undermining the reliability of credit reporting systems. XXXX XXXXXXXX ( 18 U.S.C. 1341 ) : Utilizing the postal service to distribute fraudulent credit reports amplifies the severity of XXXX misconduct. Each mailed report containing false information is a deliberate act to mislead and defraud recipients. This systematic use of mail for fraudulent purposes demonstrates a flagrant disregard for federal law and the rights of consumers. RICO Violations ( 18 U.S.C. 1961 et seq. ) : XXXX ongoing fraudulent activities, in partnership with deceptive creditors, constitute a pattern of racketeering activity as defined by XXXX statutes. Their enterprise operates with the explicit purpose of defrauding consumers and financial institutions. This sustained pattern of illegal conduct necessitates immediate legal action to halt their unlawful operations and hold them accountable for their actions. XXXX  XXXX ( 18 U.S.C. 1344 ) : By providing financial institutions with false credit information, XXXX has directly influenced lending decisions, resulting in potential financial losses and unjust credit denials. Their intentional deception undermines the banking system 's integrity and violates federal laws designed to protect financial institutions from fraudulent activities. Fraudulent Misrepresentation ( Common Law ) : XXXX intentional reporting of false addresses and outdated debts is a clear case of fraudulent misrepresentation. They knew or should have known that this information was false, yet they willfully included it in my credit report. Their actions have caused me tangible harm, including damage to my credit score, denial of credit opportunities, and undue stress and hardship. Unfair Practices Under the FTC Act ( 15 U.S.C. 45 ) : TBOM/CONTFIN deceptive reporting practices are unfair under the FTC Act , causing substantial injury to consumers that is not reasonably avoidable and not outweighed by any benefits. Their actions are antithetical to fair business practices and have caused widespread harm to consumer trust and financial well-being. 5. Negligence and Malfeasance in Addressing Identity Theft TBOM/CONTFINs failure to correct these inaccuracies despite being notified through FTC Identity Theft Reports violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputed items promptly and correct or delete inaccurate or unverifiable information. Their inaction constitutes gross negligence and deliberate malfeasance, further enabling creditors to exploit these inaccuracies. XXXX, which have caused significant harm to my financial standing and represent blatant violations of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX deliberate and systematic misconduct includes the following : XXXX. Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : TBOM/CONTFIN is legally obligated under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of Personal Information : XXXX  has reported incorrect addressesspecifically XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX nj XXXX,, which are entirely false and have no association with me. Despite my notifications and disputes, these inaccuracies remain on my credit report. Inaccurate Account Information : XXXX  continues to report outdated debts that are over seven years old, which should have been excluded from my credit report. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Under 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged to profit and loss which are more than seven years old. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Per 15 U.S.C. 1681i ( a ), upon notification of disputed information, XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Neglect of Dispute Notices : Despite submitting formal disputes regarding the inaccurate addresses and outdated debts, XXXX has failed to conduct a proper reinvestigation or correct the misinformation. d. Failure to Provide Notice of Dispute to Information Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX is required to notify the furnisher of the disputed information within five business days. Lack of Communication : There is no evidence that XXXX  has notified the creditors furnishing the inaccurate information about my disputes, further perpetuating the presence of false data on my credit report. e. Failure to Note Disputed Information in Subsequent Reports ( 15 U.S.C. 1681i ( c ) ) : Per 15 U.S.C. 1681i ( c ), if disputed information is not resolved, the consumer reporting agency must note the dispute in all subsequent consumer reports. Omission of Dispute Notation : XXXX has failed to include a notation of my disputes in subsequent credit reports, misleading creditors and other entities reviewing my credit history. f. Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under 15 U.S.C. 1681c-2, upon receiving an identity theft report, a consumer reporting agency must block the reporting of information that resulted from identity theft. Ignoring Identity Theft Reports : Despite providing FTC Identity Theft Reports # XXXX and # XXXX, TBOM/CONTFIN has not blocked the fraudulent addresses and accounts from my credit report. 2. Violations of Other Consumer Protection Laws a. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) : While the FDCPA primarily regulates XXXX XXXXXXXX, XXXX collaboration with creditors and XXXX XXXXXXXX in reporting invalid debts implicates violations of this act. Misrepresentation of XXXX : By reporting debts that are not legally enforceable due to expiration or identity theft, XXXX is facilitating unfair debt collection practices. b. Failure to Provide Adverse Action Notices ( 15 U.S.C. 1681m ) : Under 15 U.S.C. 1681m ( a ), any person who takes adverse action based on information in a consumer report must provide an adverse action notice to the consumer. Lack of Notification : Creditors relying on XXXX reports have taken adverse actions against me without providing the required notices, and XXXX has failed to ensure compliance with this requirement. XXXX Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Unfair and Deceptive Reporting : XXXX persistent reporting of inaccurate information constitutes unfair and deceptive practices that harm consumers and distort the credit market. XXXX. Detailed Application of Violations a. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX negligence in reporting accurate information demonstrates a willful disregard for the FCRA 's requirements. Reasonable Procedures Not Followed : The continued presence of incorrect addresses and outdated debts indicates that XXXX has failed to implement reasonable procedures to ensure data accuracy. Willful Noncompliance : Given the repeated notifications and disputes submitted, XXXX inaction is not merely negligent but willful, exposing them to statutory and punitive damages under 15 U.S.C. 1681n. b. Inclusion of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Direct Violation : The inclusion of obsolete debts is a straightforward violation of the FCRA, causing unjust harm to my creditworthiness. Impact on Credit Opportunities : This outdated information adversely affects my ability to obtain credit, insurance, and employment opportunities. c. Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) : XXXX failure to properly investigate disputed information undermines the FCRA 's dispute resolution mechanism. Denial of Rights : By not conducting a reasonable reinvestigation, TBOM/CONTFIN denies me the right to correct inaccuracies, a fundamental protection afforded by the FCRA. Perpetuation of Errors : This failure allows false information to persist, compounding the damage to my credit profile. d. Ignoring Identity Theft Reports ( 15 U.S.C. 1681c-2 ) : TBOM/CONTFIN disregard for my identity theft reports exacerbates the harm caused by fraudulent activities. Mandatory Blocking Ignored : The FCRA requires blocking of information resulting from identity theft, yet TBOM/CONTFIN continues to report such data. Facilitating Fraud : By not removing this information, TBOM/CONTFIN enables identity thieves to continue exploiting my personal information. e. Unfair Practices Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : TBOM/CONTFIN actions meet the criteria for unfair practices : Substantial Injury : The financial harm caused by inaccurate reporting is significant. Not Reasonably Avoidable : I have taken all reasonable steps to correct the inaccuracies, but TBOM/CONTFIN failures prevent resolution. No Countervailing Benefits : There is no justification for XXXX actions ; the harm outweighs any potential benefits. XXXX. Impact of XXXX Violations Financial Harm : Due to XXXX  misconduct, I have suffered from unjust credit denials, higher interest rates, and damage to my financial reputation. Emotional Distress : The stress and anxiety resulting from these violations have affected my well-being. Obstruction of Justice : XXXX actions obstruct my ability to protect myself from identity theft and to exercise my rights under federal law.","date_sent_to_company":"2025-03-06T17:29:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77006","tags":null,"has_narrative":true,"complaint_id":"12353562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-03-06T17:22:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>Mailing</em> false credit reports and adverse actions based on fraudulent data constitutes <em>mail</em> <em>fraud</em>, as they knowingly sent or caused misleading documents to be <em>mailed</em>, which is a federal offense. XXXX. Conspiracy to Commit <em>Fraud</em> ( 18 U.S.C. 371 ) XXXX willful collaboration with creditors to keep fraudulent accounts reporting, despite clear evidence of identity theft, constitutes conspiracy to commit <em>fraud</em>."]},"sort":[9.670994,"12353562"]},{"_index":"complaint-public-v1","_id":"3498840","_score":9.506998,"_source":{"product":"Debt collection","complaint_what_happened":"Re : MDK File # XXXX Sent via Certified U.S. Mail XXXX, and FAX ( XXXX ) XXXX Dear Manley Deas Kochalski : With regard to your letter about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified the debt as : XXXX XXXX  XXXX d/b/a XXXX XXXX. \nI am in receipt of your letter dated XX/XX/XXXX which I never received via U.S. Mail but was able to download a copy from the Consumer Financial Protection Bureau on Tuesday XX/XX/XXXX. \nI see that you were not able to provide the requested documentation but substituted another of the many alleged Original copies of the Note and Mortgage. \nPlease be advised of the following : 1. Owner XXXX XXXX XXXX alleges that XXXX XXXX does not have the requisite evidence needed to claim it is the holder of Owners Note. \n2. An ever-increasing quantity of lawsuits filed on behalf of homeowners, governmental agencies and MBS investors have accused XXXX of fraudulently creating documents in order to justify legal entitlement to institute foreclosure proceedings. As such, Owners conducted an Internet search on the so-called endorser of Owners note and discovered that other documents allegedly indorsed by XXXX XXXX as VP of XXXX ( and XXXX XXXX XXXX XXXX ) bore an exact replica of the so-called indorsement which appears on page 4 of Owners promissory note. When said indorsement on Owners note is transposed directly over other alleged indorsed documents by XXXX XXXX found on the Internet, the signature and stamp are precisely and absolutely identical. \n3. Upon information and belief, Owners allege that Promissory Note and Mortgage were intentionally falsified by utilizing a computerized photo-shopped stamp, or some other device to create said blank indorsement allegedly signed by XXXX XXXX XXXX XXXX. \n4. For Owners note to be considered bearer paper, Ms. XXXX must have personally indorsed Owners note and her signature must have been authenticated by a notary. \n5. Owners allege that Ms. XXXX did not personally indorse Owners Note, nor was her signature authenticated by a legal notary, thus rendering said document as fraudulent. \n6. XXXX and XXXX, the law firm prosecuting the instant lawsuit on XXXX  behalf, have openly admitted to altering foreclosure documents in a manner similar to what was necessary to falsify the Indorsement on Owners Note in the instant case. \nOn a front page XXXX XXXX article dated Saturday XX/XX/XXXX entitled Altered Documents Stay XXXX Foreclosures it was stated : XXXX and XXXX XXXX, one of the top three law firms used by mortgage servicers to handle their local foreclosure actions, reported to the court that, in a breach of protocol, affidavits in the cases were changed ... the admission to the court by XXXX and XXXX does not involve rubber-stamping of documents but rather removing the signature page, altering the affidavits content and reattaching the content page, the ( XXXXk County Circuit Court ) said. \n7. XXXX has successfully claimed legal entitlement to institute foreclosure proceedings by fraudulently falsifying Owners Note and Mortgage in order to claim ownership of the Owners indebtedness and literally steal XXXX XXXX XXXX home and property. \n8. For XXXX, or their attorneys, XXXX and XXXX, to falsify the indorsement on Owners Note and Mortgage, the signature page had to be removed, the indorsement printed or affixed, and the content page reattached, in the exact same process XXXX and XXXX admitted to in XXXX County court records. \n9. By falsifying the Indorsement on Owners Note, XXXX has committed criminal fraud thus voiding Owners note ab initio. \nCriminal fraud voids a contract, ab initio, both at law and in equity, whether the object be to deceive the public, third persons or one party endeavor thereby to cheat the other. Antle v. Sexton, 137 III. 410, 27. N. E. 691 [ affirming 32 III. App. 437 ] ; Crocker v. Manley, 164 III. 282, 56 Am. St. Rep. 196, 45 N. E. 577 ; Prentice v. Crane, 234 111. 302, 84 N. E. 916 ; Gillespie v. Fulton Oil & Gas Co., 236 III. 188. 86 N. E. 210 ; Prout v. Hoy Oil Co., 263 111. 54, 105 N. E. 26 ; Wachsmuth v. Martini, 45 111. App. 244.\n\nThe contract is void if it is only in part connected with the illegal transaction and the promise single or entire. Guardian Agency v. Guardian Mut. Savings Bank, 227 Wis. 550, 279 NW 79 ( 1938 ). \n10. Owners allege that said Indorsement is defective and was meant to facilitate a fraudulent foreclosure ; a practice routinely not caught by defense attorneys nor the courts. \nComputer-generated bank records or testimony based thereon are often offered without proper foundation, or are summarized without being introduced. Manufacturers & Traders Trust Co. v. Medina, supra, 01 C 768, 2001 WL 1558278 ( N.D.Ill., Dec. 5, 2001 ) ; FDIC v. Carabetta , 55 Conn. App. 369, 739 A.2d 301 ( 1999 ). \n11. Moreover, XXXX  falsification of Owners documents is subject to fine and imprisonment pursuant to 18 U.S.C. 1341 : 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, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.\n\nIn US v. Robinson 03-4136 March 2004 App sc -- 2004 U.S. App. Lexis 3910, * ; 88 Fed. Appx. 660 -- United States of America, Plaintiff-Appellee, v. Kevin Ryan Robinson, Defendant-Appellant. -- o. 03-4136 -- United States Court of Appeals for The Fourth Circuit -- 88 fed. Appx. 660 ; 2004 U.S. App. Lexis 3910 Def Robinson was an employee of CSRA INC. which sold manufactured housing. To sell more homes, Robinson participated in a fraudulent scheme where he provided falsified financial information such as inflating both income and down payment. This information was sent via facsimile to out of state lenders who relied upon this information when considering a loan application. Fifty fraudulent transactions resulted in buyers defaulting on the loan and the home being repossessed and sold at a loss of {$990000.00}. Robinson was sentenced to 57 months in prison for participating in this fraud.\n\n12. If XXXX   argues that its crimes and violations of the law have exceeded the Statute of Limitations, according to the Doctrine Of Fraudulent Concealment, said Statute is subject to being tolled : If a lender conceals wrongdoing, thereby preventing a borrower from discovering a cause of action, the statute of limitation will be tolled until the date the plaintiff, through due diligence, would have learned of the existence of a claim. The doctrine of fraudulent concealment operates to toll the statute of limitations, when a plaintiff has been injured by fraud and remains in ignorance of it, without any fault or want of diligence or care on his part. Holmberg v. Arnlbrecht, 327 U.S. 392, 397 ( 1946 ) ( quoting Bailey v. Glover, 88 U.S. ( 21 Wall. ) 342, 348 ( 1874 ) ; see Maggio v. Gerard Freezer & Ice Co., 824 F.2d 123, 127 ( 1 st Cir . 1987 ).\n\n13. Despite this record admission which is binding upon\nXXXX, XXXX, both directly and indirectly through its Servicer XXXX XXXX XXXX XXXX, has instituted a foreclosure proceeding where it claims, in official court filings and documents filed in the public record and sent to the Owners herein through the mails, to be the successor in interest to Washington Mutual Bank for purposes of attempting to justify legal entitlement to institute foreclosure proceedings, doing so based upon nothing more than an unsworn allegation supported by fraudulent documents.","date_sent_to_company":"2020-01-16T14:36:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"60002","tags":null,"has_narrative":true,"complaint_id":"3498840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Manley Deas & Kochalski LLC","date_received":"2020-01-16T14:28:03.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Robinson was sentenced to 57 months in prison for participating in this <em>fraud</em>.\n\n12."]},"sort":[9.506998,"3498840"]},{"_index":"complaint-public-v1","_id":"2760052","_score":8.133794,"_source":{"product":"Mortgage","complaint_what_happened":"***NATIONSTAR IS REFUSING TO COMPLY WITH ACCOUNT INFORMATION REQUESTS*** WIRE FRAUD **** MAIL FRAUD *** COMPUTER FRAUD **** INTENTIONALLY DEFRAUDING A FEDERAL FINACIAL INSTITUTION, XXXX SEC FRAUD XXXX ILLEGAL FORECLOSURE *** THEFT *** MORE > ... *** MR COOPER / NATIONSTAR WAS PROVIDED YET ANOTHER REQUEST FOR A LIST OF ITEMS IN THE LAST CFPB COMPLAINT ... WE ARE MAKING A SECOND REQUEST HERE WITH THE CFPB COPIED .. FOR ALL OF THOSE ITEMS AND FULL COMPLIANCE THEY ARE REFUSING TO RELEASE INFORMATION ON OUR ACCOUNT IN VIOLATION OF STATE AND FEDERAL LAW SPECIFICALLY WE ASKED FOR VOICE RECORDINGS OF FRAUDULENT CRIMINAL ACTS, PROOF OF PROPER LOAN DISCLOSURE, AND SEVERAL OTHER ITEMS AS WE PREP FOR A LAWSUIT AGAINST THEM. \n\nWE ALSO ARE SEEKING THE IDENTITY OF THEIR LEGAL TEAM FOR DISBARMENT. \n\nPLEASE NOTE THAT NATIONSTAR HAS ALMOST 18,000 CFPB COMPLAINTS FOR FRAUD AND, SOMEHOW, THEY ARE STILL HOLDING A LICENSE TO OPERATE WITH FEDERAL TAX DOLLARS .... AND THEY GET SEVERAL CFPB COMPLAINTS ... EVERY DAY. \n\nWE WILL SEE WHICH EMPLOYEE IS XXXX ENOUGH TO COMMIT FRAUD YET AGAIN, WE WILL ADD THEM TO THE LIST, AND THEY GET ADDED TO THE LAWSUIT. \n\nHERE ARE JUST SOME OF THE 17,772CURRENT COMPLAINTS AGAINST THESE XXXX DISGUISED AS A BUSINESS. ~ XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Other type of mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : AZ Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : GA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CT Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : SC Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Other type of mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NY Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : PA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : PA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : MO Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NY Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NC Product Mortgage Sub-product : FHA mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : NV Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : WA Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : MI Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : IN Product Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Account status incorrect XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : IL Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : VT Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : CA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : LA Product Mortgage Sub-product : Conventional home mortgage Issue Struggling to pay mortgage XXXX Company name NATIONSTAR MORTGAGE Company response to consumer Closed with explanation Timely response? \nYes Date received : XXXX/XXXX/XXXX Consumer 's state : DC Product Mortgage Sub-product : Conventional home mortgage Issue Trouble during payment process Previous Next Page number 1 out of711Go","date_sent_to_company":"2017-12-19T06:06:17.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"34293","tags":"Servicemember","has_narrative":true,"complaint_id":"2760052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-12-19T05:41:14.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["***NATIONSTAR IS REFUSING TO COMPLY WITH ACCOUNT INFORMATION REQUESTS*** WIRE <em>FRAUD</em> **** <em>MAIL</em> <em>FRAUD</em> *** <em>COMPUTER</em> <em>FRAUD</em> **** <em>INTENTIONALLY</em> <em>DEFRAUDING</em> A FEDERAL FINACIAL INSTITUTION, XXXX SEC <em>FRAUD</em> XXXX ILLEGAL FORECLOSURE *** THEFT *** MORE > ... *** MR COOPER / NATIONSTAR WAS PROVIDED YET ANOTHER REQUEST FOR A LIST OF ITEMS IN THE LAST CFPB COMPLAINT ... WE ARE MAKING A SECOND REQUEST HERE WITH THE CFPB COPIED .."]},"sort":[8.133794,"2760052"]},{"_index":"complaint-public-v1","_id":"8343459","_score":7.061578,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXX XXXX  XXXX XXXX & USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXX OF XXXX XXXX on XXXX XXXX 2023 . I allegedly entered into a contract agreement with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XXXX XXXX  2023, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Receivables Trust 2023-B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX XXXX  XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXX XXXX  XXXX, as seller, and the XXXX XXXX  Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX XXXX  XXXX XXXX F & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX  XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXX XXXX. \nChoice 1 ) : XXXX ; Choice 2 ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. \n\n\nFHFA/DOJ COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:50:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["It appears that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in <em>FRAUD</em> by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, <em>computer</em> <em>fraud</em>, terrorism, human trafficking, extortion, <em>fraud</em> in the execution, conspiracy with the intent to <em>defraud</em>, Securities <em>fraud</em> Racketeering, amongst other white-collar crimes."]},"sort":[7.061578,"8343459"]},{"_index":"complaint-public-v1","_id":"8343534","_score":6.980299,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind XXXX. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial XXXX institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( XXXX ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( XXXX ), The Securities XXXX XXXX ( SEA ) of XXXX and XXXX, the Foreign Corrupt Practices Act ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Indenture Trustee Act ( XXXX ), the Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, XXXX XXXX XXXX, XXXX ABS Funding, XXXX XXXX XXXX, XXXX XXXX Receivables XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inclusive and USAA engaged in a XXXX whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust XXXX. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( XXXX ) between XXXX of XXXX, as seller, and the XXXX Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the XXXX is attached XXXX, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not XXXX special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX OF XXXX XXXX XXXX XXXX I Business XXXX, General XXXX, and Sales XXXX stated that an illegal and unlawful down payment of {$2800.00} was required XXXX XXXX off the car lot. However, the information provided was false and deceptive, violating XXXX CFR XXXX : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, XXXX XXXX XXXX XXXX consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities XXXX XXXX of XXXX and Sections XXXX, XXXX, and XXXX of The Securities XXXX of XXXX provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection XXXX ( b ) of the XXXX XXXX XXXX prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, XXXX XXXX ; XXXX XXXX prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule XXXX can be enforced by the SEC in XXXX and civil penalty actions, brought pursuant to XXXX ( d ) of XXXX XXXX Act, and by the Justice Department in actions pursuant to XXXX ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection XXXX ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \nXXXX. Persons Liable If a registration statement is false or misleading, XXXX ( a ) makes liable : a. the issuer; b. the directors of the issuer ; XXXX persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA , I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to XXXX XXXX committed by the parties as evidenced by XXXX XXXX XXXX. Transfer the securities to my Treasury XXXX Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( XXXX ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. \n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( XXXX ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( XXXX ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus XXXX placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury XXXX XXXX XXXX XXXX XXXX as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" XXXX '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge.\n\nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the XXXX Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form XXXX ( e.g., Part I, Part XXXX, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form XXXX is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the XXXX XXXX XXXX, no Assignment was made as required by the XXXX. XXXX recommends immediate pro-duction of document and review of all purchase documents and then notarized XXXX endorsements among all relevant parties. \n\nPlease note that the XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary Relationship ; Form XXXX of Cash Payments Over {$10000.00}, XXXX XXXX of XXXX XXXX, FOIA for IRS XXXX will XXXX XXXX and XXXX XXXX XXXX Treasury Department along with Form XXXX Department of XXXX XXXX Revenue Service Information Referral, Form op XXXX, and XXXX XXXX XXXX for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \n\nLastly, be advised this notice, along with affidavit ( XXXX ), will be given to the XXXX and XXXX XXXX of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX XXXX  for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z XXXX C.F.R. XXXX, XXXX of XXXX, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait XXXX business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the XXXX XXXX XXXX, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( XXXX ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXX UCC XXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX XXXX Name ] : [ XXXX ] the [ Family Name ] : XXXX, as XXXX called via email or U.S.P.S Mail. \n\n\nXXXX COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:21:31.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["It appears that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( XXXX ) are engaging in <em>FRAUD</em> by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, <em>computer</em> <em>fraud</em>, terrorism, human trafficking, extortion, <em>fraud</em> in the execution, conspiracy with the intent to <em>defraud</em>, Securities <em>fraud</em> Racketeering, amongst other white-collar crimes."]},"sort":[6.980299,"8343534"]},{"_index":"complaint-public-v1","_id":"8269867","_score":6.963398,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & USAA and All others, XXXX, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment.\n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX. broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Does 5-100 Inclusive and USAA engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX XXXX XXXXt 2023-B.\n\nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the XXXX XXXX XXXX XXXX XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the XXXX XXXX XXXX  consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX XXXX XXXX  primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) XXXX XXXX \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement.\n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : XXXX XXXX XXXX \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXXXXXX XXXX XXXX XXXX \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XXXX XXXXXX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts.\n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX XXXX  [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as commonly called via email or U.S.P.S Mail. \nAll calls may be rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Financial Instruments XXXX Final XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUSAA Fraudulent Financial Statements","date_sent_to_company":"2024-02-02T13:34:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:15:28.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["It appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in <em>FRAUD</em>5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, <em>computer</em> <em>fraud</em>, terrorism, human trafficking, extortion, <em>fraud</em> in the execution, conspiracy with the intent to <em>defraud</em>, Securities <em>fraud</em>7 Racketeering, amongst other white-collar crimes."]},"sort":[6.963398,"8269867"]},{"_index":"complaint-public-v1","_id":"8269812","_score":6.9524374,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX Day of XXXX XXXX XXXXXXXX XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) XXXX [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ) [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX XXXX ) XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York [ XXXX ] Attention : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXX XXXX  XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( XXXX XXXX ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX , and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , XXXX , and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , and its affiliate ( s ) /partner ( s ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as XXXX  ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the XXXX XXXX XXXX XXXX  ( XXXX  ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, Hyundai Capital America, Hyundai XXXX XXXX, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX  engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust XXXX-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the Hyundai Auto Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B.\n\nXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ).\n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.\n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America , XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any nonXXXX XXXX XXXX  central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX OF XXXX XXXX and XXXX release my XXXX  NUMBER IMMEDIATELY. Albeit the XXXX  number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at XXXX C.F.R. Part XXXX. Under the terms of the XXXX, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nXXXX not impose any limitation on the duration of any implied warranty on the product. \nXXXX not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor XXXX require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission XXXX as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within XXXX business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX XXXX between the hours of XXXX XXXX XXXX. \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX  [ XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations.\n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.\n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXXXXXX XXXX XXXXXXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person , [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded.\n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX  Financial Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE XX/XX/XXXX XXXX. EXHIBIT D-XXXX  Fraudulent Financial Statements","date_sent_to_company":"2024-02-08T21:25:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:34:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["It appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in <em>FRAUD</em>5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, <em>computer</em> <em>fraud</em>, terrorism, human trafficking, extortion, <em>fraud</em> in the execution, conspiracy with the intent to <em>defraud</em>, Securities <em>fraud</em>7 Racketeering, amongst other white-collar crimes."]},"sort":[6.9524374,"8269812"]},{"_index":"complaint-public-v1","_id":"8290130","_score":6.66492,"_source":{"product":"Checking or savings account","complaint_what_happened":"A Registered letter and email were sent to the following executives on Wednesday, XX/XX/XXXX. \n\nNOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ) XXXX [ XXXX ] XXXX XXXX XXXX XXXX of XXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( U.S. state ) [ XXXX ] XXXX XXXX XXXX XXXX Bank C/O CEO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX , ( U.S. state ) XXXX XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Attention : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and XXXX XXXX XXXX , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) 1 that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX and its affiliate ( s ) /partner ( XXXX ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, Hyundai Capital America, Hyundai ABS Funding, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXXXXXX XXXX XXXXXXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX  XXXX, as seller, and the Hyundai Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \n\nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXXXXXX XXXX XXXX  's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX.\n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property.\n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXX XXXX and XXXX release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXXXXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice 1 ) : XXXX ; Choice XXXX ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with Hyundai, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. XXXXxaminer recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number xxx-xx [ 8616 ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded. \n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX XXXX Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE 9/8/2023 4. EXHIBIT D-USAA Fraudulent Financial Statements Complaints were initiated to the SEC, IRS, SS, and OCC regarding this criminal matter.","date_sent_to_company":"2024-02-23T19:07:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8290130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-06T14:05:41.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["It appears that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in <em>FRAUD</em> by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, <em>computer</em> <em>fraud</em>, terrorism, human trafficking, extortion, <em>fraud</em> in the execution, conspiracy with the intent to <em>defraud</em>, Securities <em>fraud</em> Racketeering, amongst other white-collar crimes."]},"sort":[6.66492,"8290130"]},{"_index":"complaint-public-v1","_id":"3946336","_score":6.3355308,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my complaint against XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX ), the ORIGINATOR of my loan ; PennyMac Loan SERvices , LLC ( PennyMac ) a sham conduit for its concealed owners XXXX, XXXX XXXX, XXXX XXXX and XXXX who reinstated XXXX XXXX , XXXX ( XXXX ) under a different name XXXX XXXX XXXX, XXXX ( XXXX ) via XXXX XXXX XXXX, and PennyMac Loan SERvicing via XXXX XXXX, XXXX ( XXXX ) fictitious buyers of non-existing default debt which XXXX XXXX sell to investors as bets for IMAGES about someones DATA. ( identity theft ) On XX/XX/XXXX I submitted an application for mortgage with an XXXX XXXX XXXX  XXXX XXXX XXXX XXXX who posed as XXXX XXXX, who never was a Lender, passed my information via chain of intermediaries such as XXXXXXXX XXXX ( actual originators ) to Big Investment Banks, particularly XXXX XXXX, one of owners of Federal Reserve Bank who is the actual Lender behind the scene, along with other Big Banks ( read : Federal Reserve XXXX who operates {$1.00} XXXX Ponzi Scheme with derivatives via XXXX XXXX XXXX and its branch XXXX XXXX XXXX ( which is Big Banks version of a fictitious mortgagee XXXX, XXXX XXXX My application was processed by XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX owned by XXXX XXXX XXXX ) who instantly and fraudulently placed me under undue hardship by intentionally assigning my property into Flood Zone where it never was. \n\nAs the result of this machination, I had to pay additional {$100.00} to FEMA, who allowed XXXX XXXX and XXXX to use their forms to defraud borrowers solely to extort more money and push them in foreclosures. While FEMA agreed to refund me a part of stolen money, they pocketed the rest, at least {$1200.00} plus proceeds from trades on my identity, undisclosed to me. \n\nXXXX at all times posed as a Lender ( while it was not ) and forged RESPA documents to conceal information where I actually singed disclosures - which was in Pacific Time zone, on the cloud server owned by XXXX XXXX XXXX XXXX. \n\nClosing on as I believed Mortgage ( aka payment to me for financial services by XXXX XXXX and its piers each of whom operate a separate securitization scheme based on same data about same mortgages ) was conducted by XXXX XXXX, who falsely posed as an Issuer of my XXXX XXXX - which is a lie. XXXX XXXX is a sham conduit for XXXX XXXX XXXX and XXXX XXXX XXXX who are the actual Issuers of bogs Title Insurance Policies - which do not cover purported mortgages with designated Lenders - while XXXX and XXXX branches XXXX XXXX XXXX XXXX and XXXX, XXXX are the ACTUAL originators and servicers of 100 % of ALL so-called loans and who intentionally destroy property Titles to serve interests of XXXX XXXX Banks. \n\nXXXX XXXX deceptively sold me Title Insurance Policy from XXXX XXXX ( who was the actual Issuer ) - and who refuses to cover for my damages and broken by XXXX subsidiary XXXX, XXXX XXXX. XXXX XXXX pretend they dont know about this fraud - and also refuse to fulfill their obligation under the Policy they lied XXXX XXXX issued XXXX continued to act as a Lender and purported Servicer : of my loan - which I was led to believe was sold to someone ( XXXX XXXX ) who appointed XXXX as a new Servicer on XX/XX/XXXX. It was all lies. \n\nXXXX never lent any money to anyone ; and never serviced any loans. No need to say, XXXX never sold any loans to anyone. XXXX XXXX never purchased anyones loans and never pooled them in any Trusts. This fiction is promoted by XXXX  and media to defraud borrowers and investors. \n\nAccording to XXXX XXXX XXXX ( which is fully based on forward looking statements WILL but never DID ) says as following : XXXX XXXX Guaranteed Stripped Mortgage-Backed Securities, which WILL be sold from time to time in one or more series, represent interests in separate XXXX XXXX XXXX Trusts ESTABLISHED from time to time.Each Trust WILL be comprised primarily of ( i ) fully modified pass-through mortgage-backed certificates. Each Series WILL be issued in two or more Classes. \n\nEach Class of Securities of a Series WILL evidence an interest in future principal payments and/or an interest in future interest payments on the Trust Assets included in the related Trust. The Trust created for each issue of XXXX XXXX  WILL be classified as a grantor trust. \n\nEach XXXX XXXX WILL be issued and maintained in book-entry form through the book-entry system of the U.S. Federal Reserve Banks ( the XXXX Book-Entry System ). Each XXXX XXXX initially will be registered in the name of the Federal Reserve Bank of New York ( together with any successor or other depository selected by XXXX XXXX, the Book-Entry Depository ). The XXXX Book-Entry System is an electronic facility operated by the U.S. Federal Reserve Banks for maintaining securities accounts and for effecting transfers. The XXXX Book-Entry system is a real-time, deliveryversus-payment, gross settlement system that allows for the simultaneous transfer of securities against payment. The XXXX Book-Entry System is used to clear, settle and pay not only XXXX XXXX XXXX, but also all U.S. Treasury marketable debt instruments, the majority of book-entry securities issued by other government agencies and government sponsored enterprises and the mortgage-backed securities issued by the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  XXXX. Beneficial ownership of an XXXX XXXX will be subject to the rules and procedures governing the BookEntry Depository and its participants as in effect from time to time. The Book-Entry Depository will maintain evidence of the interests of its participants in any XXXX XXXX by appropriate entries in the Book-Entry Depositorys books and records. Only participants of the XXXX Book-Entry XXXX are eligible to maintain bookentry accounts directly with the Book-Entry Depository. A Beneficial Owner that is not a participant of the XXXX Book-Entry System generally will evidence its interest in an XXXX Security by appropriate entries in the books and records of one or more financial intermediaries. A Beneficial Owner of an XXXX XXXX must rely upon these procedures to evidence its beneficial ownership, and may transfer its beneficial ownership only if it complies with the procedures of the appropriate financial intermediaries. Correspondingly, a Beneficial Owner of an XXXX Security must depend upon its financial intermediaries ( including the Book-Entry Depository, as Holder ) to enforce its rights with respect to an XXXX XXXX. XXXX XXXX will not be issued in certificated form. Unless otherwise noted in the applicable Offering Circular Supplement, each Trust will issue In other words, XXXX XXXX WILL perform something IF someone sell them some mortgages. Which never happened. \n\nPeople still dont believe it. Loans were not securitized but are being treated as though they were securitized. \n\nSecuritization means selling off an asset in pro rata shares to investors who get a piece of paper telling them that they own X % of the asset. \n\nif you read Prospectuses - all of the securitization documents are forward statements meaning they are referencing a future event. And none of the securitization documents convey any ownership, equitable or legal interest in any debt, note, or mortgage. And the future event never occurs. Thats the point for the XXXX XXXX bankers. \n\nSince they never retain any interest in any debt, note or mortgage they face no exposure to any risk of loss, and no liability for violations of federal and state statutes as issuers or lenders even though they are both. When they foreclose through various intermediaries ( usually a bank appearing solely as trustee of a nonexistent trust ) they still receive the net money proceeds but they have no loan account receivable to credit when they receive those sales proceeds. \n\nAs soon as I signed a Promissory Note, it was scanned, converted into images and passed to XXXX XXXX XXXX ( member of Federal Reserve XXXX who placed them with XXXX XXXX XXXX. \n\nIMAGES of my personal ; data was placed into XXXX XXXX XXXX XXXX and XXXX, XXXX who provide passwords to various sham, conduits like XXXX and later fake Servicer PennyMac whose sole duties are to pose as window dressers for Federal Reserve members, XXXX XXXX, XXXX and other actual players who operate this giant scam with thin-air IMAGES based on XXXX about performance of someones DATA about a mortgages.\n\nMI public employees fund invested over {$2.00} XXXX of its pensioners money into this fraud ; and received only electronic IMAGE on someones computer screen about performance of someones loan which is sold as performing and defaulted at the same time by different players. \n\nALL my mortgage payments, along with escrow money are pocketed by XXXX XXXX brokers as tax-free revenue since here is no one who has my loan as an asset on account receivable. \n\nALL taxes and insurances are paid by Investors money from operating funds held by Federal Reserve banks. Similarly, fake Servicers do not make any Servicers advances for non-existing Trusts. Big Banks merely return investors a part of their own capital masqueraded as Servicer advance, which is a Ponzi Scheme at its finest. \n\nAccording to XXXX, they became XXXX on XX/XX/XXXX - which is a lie. On XX/XX/XXXX XXXX XXXX XXXX prepared Allonge for my Note purportedly to XXXX - which was never placed on any accounts with XXXX. \n\nDuring all time in question DATA about my loan was held on XXXX XXXX XXXX and transferred to various parties multiply times, without any disclosures to me. \n\nOn XX/XX/XXXX I was approached by another branch of XXXX, PennyMac who was brough to action in XXXX by XXXX XXXX, XXXX XXXX branch of of XXXX  ) whose founder Mr. XXXX is now XXXX XXXX  Presdient XXXX PennyMac pretended to be a new servicer and a buyer of my loan. When I asked who SOLD PennMac my loan and when it was sold, XXXX and PennyMac exploded in absurd and contradicting lies. \n\nAfter I requested help from Sen XXXX office, XXXX XXXX XXXX VP XXXX XXXX, a seasoned securities fraudster whose XXXX XXXX  robbed insurers and investors from {$5.00} XXXX, lied the the Issuer of Securities backed by my loan is XXXX. \n\nPennyMac lied that the Issuer is PennyMac - but refuses to provide me the name of the Seller of my loan ; and lied about XXXX XXXX XXXX which holds my loan as a securities. \n\nBecause no such Trust was ever formed. \n\nThe securitization of loans never happened. This means that all claims of rights or authority to administer, collect, or enforce any debt, note or mortgage are completely and utterly false if they are based upon securitization of the subject loan. \n\nXXXX XXXX like other XXXX  merely agreed to cover for Federal Reserve and its owners XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc - crimes. \n\nBut the XXXX XXXX PR machine has convinced virtually everyone including borrowers that the loans were securitized. And there are hundreds of appellate decisions referring to loan portfolios that do not exist but are treated as real nonetheless. \n\nSo, now XXXX  bulletins and announcements are -re phrased. In order to avoid indictments and civil liability for outright lying to investors and the public, they are now referring to loan portfolios as reference pools, which were never formed since nobody sold any loans to XXXX. \n\nBecause everything is done by other parties : Big Banks ( aka Federal Reserve XXXX, XXXX and its branch XXXX and XXXX XXXX  and XXXX. who never appeared in any RESPA or TILE and who must be kept hidden from the homeowners. \n\nInvestors are not even allowed to have any proof of their investment. \nAll that investor pay for is a nice-looking IMAGE on someones computer screen. \n\nRegarding XXXX XXXX, it states : If issued in book-entry form, the classes of a series of certificates will be initially issued through the book-entry facilities of XXXX XXXX XXXX XXXX, or XXXX. No global security representing book-entry certificates may be transferred except as a whole by XXXX  to a nominee of XXXX, or by a nominee of XXXX  to another nominee of XXXX. Thus, XXXX  or its nominee will be the only registered holder of the certificates and will be considered the sole representative of the beneficial owners of certificates for all purposes.In other words, only the XXXX and XXXX XXXX XXXX may distribute Beneficial Ownership Rights.Therefore, the only Beneficial Owners, in all cases, will be the Direct or Indirect Participants in the DTC that are completely managed, controlled and regulated by the DTC for its own benefit. \n\nNeither XXXX or XXXX or PennyMac NEVER owned anyones debt simply because nobody allow them to own it ; NEVER initiated any loans because they dont have money to loan ; and NEVER serviced any mortgages since Big Banks are well aware about PennyMacs executives XXXXXXXX and PennyMac are merely a foreclosure and Title laundering vehicle for Big Banks/ Federal Reserve whose sole purpose to pretend to be a buyer from XXXX XXXX read XXXX  who passed data about my loan to a new player via new password to XXXX XXXX  database XXXX and PennyMac relentlessly lie to borrowers and massively commit fraud upon the Court - promoted and enabled by Judges and the Government who of course are familiar with this crime and who exactly operates it - Federal Reserve members ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via its branch XXXX - who initiate illegal foreclosures by non-existing Trusts with forged documents. \n\n\nAccording to XXXX, XXXX XXXX XXXX, also known as XXXX and XXXX or XXXX XXXX XXXX, is a specialist United States financial institution that processes transfers of stock certificates on behalf of XXXX XXXX XXXX, the central securities depository used by the United States National Market System, which includes the New York Stock Exchange, Nasdaq, and other exchanges together with associated clearinghouses such as XXXX, XXXX, XXXX, and others. \n\nXXXX  technically owns substantially all of the publicly issued stock in the United States. Thus, investors do not themselves hold direct property rights in stock, but rather have contractual rights that are part of a chain of contractual rights involving XXXX.Founded in XXXX, XXXX was formed for the purpose of efficiently processing transfers of stock certificates on behalf of the XXXX XXXX XXXX. [ 3 ] The company is at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, New York XXXX is a XXXX XXXX XXXXbased partnership of certain employees of XXXX. \n\nYes, there were securities created, issued, sold, and traded. And in fact, the indenture did indeed have references to groups of data derived from announcements by investment banks referring to the performance of those loans. But that is not securitization of loans. It is the securitization of proprietary data relating to the performance of the loans not the ownership of loans ( which is what is required to speak of securitization of loans ).\n\nSO WHERE DID THE LOAN GO? This could be a reasonable basis for dispute i.e., whether the loan was extinguished or simply became inchoate ( sleeping ) pending a reformation of the transaction such that a designated virtual creditor was replaced with a real one as required by law. \nDOESNT THAT GIVE AN UNFAIR WINDFALL TO HOMEOWNERS WHO RENEGED ON A PROMISE TO PAY? Absolutely not. \nIn fact, it reveals exactly the opposite. \nThe lender ( securities brokerage firm doing business as an investment bank ) is actually an issuer of securities that can not be sold without the cooperative signature of the homeowner together with detailed personal information of the homeowner. \n\nThe resulting sale of securities produces a windfall to the investment bank equal on average to 12 ( XXXX  : 27 times to XXXX  and XXXX times to XXXX XXXX times the principal paid, thus far, to the homeowner. \n\nIn other words, XXXX XXXX who owns XXXX, received at least {$20.00} XXXX revenue from trades on DATA about my loan, while merely contributed into {$130000.00} one time payment to me to bear all risks of their transactions. XXXX XXXX received at least 27 times profits trading the SAME date about my loan. XXXX  XXXX XXXX about 12 times. \n\nThe homeowner is required under the disclosed part of the deal to repay the principal paid to him which means that the homeowner did not receive any consideration for the concealed part of the securitization deal. \n\nIn addition, the homeowner has unknowingly taken on the risk that the investment bank has dumped. \n\nAs a putative lender ( not really ) its sole business reason for the transaction is the issuance of securities without which it would not near lending to individual homeowners. \nThe more securities the merrier and the larger the windfall to the investment bank all without giving any conveyance of any debt, note or mortgage. ( You never see the investment bank as the grantee on any recorded conveyance ). \n\nSince the investment bank has no risk of loss, it does not care about the future performance of the alleged loan transaction. \n\nThis one fact removes the basic balance between any person who is characterized as a borrower and any person who is characterized as a lender. \nAccording to federal and state lending laws and basic common sense, the lender, as a sophisticated financial enterprise, is charged legally with determining the viability of the loan because it has a risk of loss. \n\nWithout that risk of loss, the only interest remaining is getting the borrower to submit personal data and to have the homeowner sign documentation promising to pay back the consideration ( plus interest! ) received for the concealed, involuntary participation in the securitization scheme. \n\nIn contract law, this is a classic example of a failure of an element of enforceable contract no meeting of the minds. Borrower intent + NO lending intent = no contract. \n\nThe homeowner is deprived of the opportunity to receive the benefit of bargaining for a share of the securitization scheme or not to participate at all. \nTherefore my conclusion is that ( a ) the homeowner owes nothing because of contract failure and ( b ) is entitled to quantum meruit under quasi-contract law to reasonable compensation for the concealed securitization scheme that could never have existed but for the homeowners signature and personal data. \n\nWhat does this mean? It means that NONE of the investors who bought or traded swaps, certificates, or other securities ever acquired any interest in any loan. None of them acquired the ownership of any debt, note, or mortgage. None of them ever acquired the legal right to administer, collect, or enforce any debt, note, or mortgage. And it means that all documents suggesting the contrary are fabricated and false. \n\nThus under such circumstances no servicer, trustee, trust or investor Including XXXX and XXXX XXXX possesses any right, title or interest in administration, collection or enforcement of any loan. \n\nDUMP THE RISK : The theory behind securitization is perfectly sound, legal, moral, and politically expedient. It is intended to attract investment by reducing risk. \n\nBut XXXX XXXX took this one step further. They completely eliminated the risk. In order to do that they had to completely eliminate the loan account from the general ledger of any company that was involved in the securitization process. \n\nThe loan account was a cover for fraud. It doesnt exist. \nNobody loses money when a homeowner stops paying. And when a homeowner does pay they are contributing to bonuses and largely untaxed profit of investment banks and that is an apt description of what happens to the money when a homestead is forced into sale. NO entry is ever made decreasing the amount of a receivable because there is no receivable. \n\nAnd that is the part that is completely counterintuitive to nearly everyone. It is also the reason that XXXX  XXXX consistently XXXX any attempts to get discovery of information that would obviously lead to admissible evidence in court. \n\nThere are thousands of Foreclosure cases that have been pushed to the back burner for 10 years or more ( I have one that is 12 years old ) as a result of lawyers and pro se litigants experimenting with this concept. \n\nThe concept is simple. The claim brought against the homeowner either directly or indirectly asserts that the designated claimant exists in the real world and possesses a claim against the Homeowner. The homeowner says OK, tell me how you exist and how you acquired a claim against me. The Foreclosure Mail refuses to answer because it knows that the truth will XXXX  the claim. \nBUT by sheer force of will and perseverance and infinitely deep pockets, the investment bank continues litigating a claim that has absolutely no merit. And in most cases, because our government regulators are sleeping the cost of defending the baseless claims falls onto the homeowner who lacks the resources of time, money and energy to preserve the largest asset he/she owns. \n\nI demand FULL DISCLOSURES from XXXX XXXX/XXXX  and PennyMac WHO SOLD them my LOAN and WHOM they serviced from XX/XX/XXXX ; who are the REAL LENDERS behind my transaction with XXXX ( which based on all evidence is Federal Reserves table pool operated by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and other OWNERS of XXXX and PennyMac. \n\nI demand compensation for fraud ; 20 % royalties from all trades, and punitive damages at least XXXX XXXX.","date_sent_to_company":"2020-11-10T12:06:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"3946336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-11-10T11:57:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This fiction is promoted by XXXX  and media to <em>defraud</em> borrowers and investors."]},"sort":[6.3355308,"3946336"]},{"_index":"complaint-public-v1","_id":"3946735","_score":6.334839,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) a sham conduit for its concealed owners XXXX XXXX, XXXX XXXX and XXXX who in XXXX reinstated XXXX XXXX , XXXX ( XXXX ) under a different name XXXX XXXX XXXX, XXXX ( XXXX ) via XXXX XXXX XXXX, a fictitious buyer of non-existing default debt which XXXX XXXX sell to investors as bets for IMAGES about someones DATA. ( identity theft ) ) On XX/XX/XXXX I submitted an application for mortgage with an XXXX XXXX XXXX XXXX ( XXXX who posed as Lenders XXXX, who never was a Lender, passed my information via dishpan of intermediaries such as XXXX XXXX/XXXX  ( actual originators ) to Big Investment Banks, particularly XXXX XXXX, one of owners of Federal Reserve Bank who is the actual Lender behind the scene, along with other Big Banks ( read : Federal Reserve ) who operates {$1.00} XXXX Ponzi Scheme with derivatives via XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX ( which is Big Banks version of a fictitious mortgagee XXXX XXXX. ) My application was processed by XXXX XXXX , XXXX ( owned by XXXX XXXX XXXX XXXX and XXXX, XXXX ( owned by XXXX XXXX XXXX ) who instantly and fraudulently placed me under undue hardship by intentionally assigning my property into Flood Zone where it never was. \n\nAs the result of this machination, I had to pay additional {$100.00} to FEMA, who allowed XXXX XXXX and XXXX to use their forms to defraud borrowers solely to extort more money and push them in foreclosures. While FEMA agreed to refund me a part of stolen money, they pocketed the rest, at least {$1200.00} plus proceeds from trades on my identity, undisclosed to me. \n\nXXXX at all times posed as a Lender ( while it was not ) and forged RESPA documents to conceal information where I actually singed disclosures - which was in Pacific Time zone, on the cloud server owned by XXXX XXXX , XXXX. \n\nClosing on as I believed Mortgage ( aka payment to me for financial services by XXXX XXXX and its piers each of whom operate a separate securitization scheme based on same data about same mortgages ) was conducted by XXXX XXXX, who falsely posed as an Issuer of my XXXX XXXX - which is a lie. XXXX XXXX is a sham conduit for XXXX XXXX XXXX and XXXX XXXX XXXX who are the actual Issuers of bogs Title Insurance Policies - which do not cover purported mortgages with designated Lenders - while XXXX and XXXX branches XXXX XXXX , XXXX and XXXX, XXXX are the ACTUAL originators and servicers of 100 % of ALL so-called loans and who intentionally destroy property Titles to serve interests of Wall Street Banks. \n\nXXXX XXXX deceptively sold me Title Insurance Policy from XXXX XXXX ( who was the actual Issuer ) - and who refuses to cover for my damages and broken by XXXX subsidiary XXXX, XXXX XXXX. XXXX XXXX pretend they dont know about this fraud - and also refuse to fulfill their obligation under the Policy they lied XXXX XXXX issued XXXX continued to act as a Lender and purported Servicer : of my loan - which I was led to believe was sold to someone ( XXXX XXXX ) who appointed XXXX as a new Servicer on XX/XX/XXXX. It was all lies. \n\nXXXX never lent any money to anyone ; and never serviced any loans. No need to say, XXXX never sold any loans to anyone. XXXX XXXX never purchased anyones loans and never pooled them in any Trusts. This fiction is promoted by XXXX  and media to defraud borrowers and investors. \n\nAccording to XXXX XXXX XXXX ( which is fully based on forward looking statements WILL but never DID ) says as following : XXXX XXXX Guaranteed Stripped Mortgage-Backed Securities, which WILL be sold from time to time in one or more series, represent interests in separate XXXX XXXX XXXX XXXX ESTABLISHED from time to time.Each Trust WILL be comprised primarily of ( i ) fully modified pass-through mortgage-backed certificates. Each Series WILL be issued in two or more Classes. \n\nEach Class of Securities of a Series WILL evidence an interest in future principal payments and/or an interest in future interest payments on the Trust Assets included in the related Trust. The Trust created for each issue of XXXX XXXX  WILL be classified as a grantor trust. \n\nEach XXXX XXXX WILL be issued and maintained in book-entry form through the book-entry system of the U.S. Federal Reserve Banks  ( the XXXX Book-Entry System ). Each XXXX XXXX initially will be registered in the name of the Federal Reserve Bank of New York ( together with any successor or other depository selected by XXXX XXXX, the Book-Entry Depository ). The XXXX Book-Entry System is an electronic facility operated by the U.S. Federal Reserve Banks for maintaining securities accounts and for effecting transfers. The XXXX XXXX system is a real-time, deliveryversus-payment, gross settlement system that allows for the simultaneous transfer of securities against payment. The XXXX Book-Entry System is used to clear, settle and pay not only XXXX XXXX XXXX, but also all U.S. Treasury marketable debt instruments, the majority of book-entry securities issued by other government agencies and government sponsored enterprises and the mortgage-backed securities issued by the XXXX XXXX XXXX  XXXX and the XXXX XXXX XXXX Mortgage XXXX. XXXX ownership of an XXXX XXXX will be subject to the rules and procedures governing the XXXX XXXX and its participants as in effect from time to time. The XXXX XXXX will maintain evidence of the interests of its participants in any XXXX XXXX by appropriate entries in the XXXX XXXX books and records. Only participants of the XXXX XXXX XXXX are eligible to maintain bookentry accounts directly with the XXXX XXXX. A Beneficial Owner that is not a participant of the XXXX Book-Entry System generally will evidence its interest in an XXXX XXXX by appropriate entries in the books and records of one or more financial intermediaries. A Beneficial Owner of an XXXX XXXX must rely upon these procedures to evidence its beneficial ownership, and may transfer its beneficial ownership only if it complies with the procedures of the appropriate financial intermediaries. Correspondingly, a Beneficial Owner of an XXXX XXXX must depend upon its financial intermediaries ( including the Book-Entry Depository, as Holder ) to enforce its rights with respect to an XXXX XXXX. XXXX XXXX will not be issued in certificated form. Unless otherwise noted in the applicable Offering Circular Supplement, each Trust will issue In other words, XXXX XXXX WILL perform something IF someone sell them some mortgages. Which never happened. \n\nPeople still dont believe it. Loans were not securitized but are being treated as though they were securitized. \n\nSecuritization means selling off an asset in pro rata shares to investors who get a piece of paper telling them that they own X % of the asset. \n\nif you read Prospectuses - all of the securitization documents are forward statements meaning they are referencing a future event. And none of the securitization documents convey any ownership, equitable or legal interest in any debt, note, or mortgage. And the future event never occurs. Thats the point for the XXXX XXXX bankers. \n\nSince they never retain any interest in any debt, note or mortgage they face no exposure to any risk of loss, and no liability for violations of federal and state statutes as issuers or lenders even though they are both. When they foreclose through various intermediaries ( usually a bank appearing solely as trustee of a nonexistent trust ) they still receive the net money proceeds but they have no loan account receivable to credit when they receive those sales proceeds. \n\nAs soon as I signed a Promissory Note, it was scanned, converted into images and passed to XXXX XXXX XXXX ( member of Federal Reserve ) who placed them with XXXX XXXX XXXX. \n\nIMAGES of my personal ; data was placed into XXXX XXXX XXXX XXXX and XXXX, XXXX who provide passwords to various sham, conduits like XXXX and later fake Servicer XXXX whose sole duties are to pose as window dressers for Federal Reserve members, XXXX XXXX, XXXX and other actual players who operate this giant scam with thin-air IMAGES based on BETS about performance of someones DATA about a mortgages. \n\nMI XXXX XXXX XXXX invested over {$2.00} XXXX of its pensioners money into this fraud ; and received only electronic IMAGE on someones computer screen about performance of someones loan which is sold as performing and defaulted at the same time by different players. \n\nALL my mortgage payments, along with escrow money are pocketed by XXXX XXXX brokers as tax-free revenue since here is no one who has my loan as an asset on account receivable. \n\nALL taxes and insurances are paid by Investors money from operating funds held by Federal Reserve banks. Similarly, fake Servicers do not make any Servicers advances for non-existing Trusts. Big Banks merely return investors a part of their own capital masqueraded as Servicer advance, which is a Ponzi Scheme at its finest. \n\nAccording to XXXX, they became XXXX on XX/XX/XXXX - which is a lie. On XX/XX/XXXX XXXX XXXX XXXX prepared Allonge for my Note purportedly to XXXX - which was never placed on any accounts with XXXX. \n\nDuring all time in question DATA about my loan was held on XXXX XXXX XXXX and transferred to various parties multiply times, without any disclosures to me. \n\nOn XX/XX/XXXX I was approached by another branch of XXXX, XXXX who was XXXX to action in XXXX by XXXX XXXX, XXXX XXXX branch of of XXXX ) whose founder Mr. XXXX is now XXXX XXXX XXXX ) XXXX pretended to be a new servicer and a buyer of my loan. When I asked who SOLD XXXX my loan and when it was sold, XXXX and XXXX exploded in absurd and contradicting lies. \n\nAfter I requested help from Sen XXXX XXXX, XXXX XXXX Senior VP XXXX XXXX, a seasoned securities fraudster whose Cevy Chase robbed insurers and investors from {$5.00} XXXX, lied the the XXXX XXXX XXXX backed by my loan is XXXX. \n\nXXXX lied that the XXXX is XXXX - but refuses to provide me the name of the Seller of my loan ; and lied about XXXX XXXX XXXX which holds my loan as a securities. \n\nBecause no such XXXX was ever formed. \n\nThe securitization of loans never happened. This means that all claims of rights or authority to administer, collect, or enforce any debt, note or mortgage are completely and utterly false if they are based upon securitization of the subject loan. \n\nXXXX XXXX like other GSEs merely agreed to cover for Federal Reserve and its owners XXXX XXXX, XXXX, XXXX XXXX, Wells Fargo, XXXX, XXXX XXXX, XXXX, etc - crimes. \n\nBut the XXXX XXXX PR machine has convinced virtually everyone including borrowers that the loans were securitized. And there are hundreds of appellate decisions referring to loan portfolios that do not exist but are treated as real nonetheless. \n\nSo, now XXXX  bulletins and announcements are -re phrased. In order to avoid indictments and civil liability for outright lying to investors and the public, they are now referring to loan portfolios as reference pools, which were never formed since nobody sold any loans to XXXX. \n\nBecause everything is done by other parties : Big Banks ( aka Federal Reserve ), XXXX  and its branch XXXX and XXXX XXXX  and XXXX. who never appeared in any RESPA or TILE and who must be kept hidden from the homeowners. \n\nInvestors are not even allowed to have any proof of their investment. \nAll that investor pay for is a nice-looking IMAGE on someones computer screen. \n\nRegarding XXXX XXXX, it states : If issued in book-entry form, the classes of a series of certificates will be initially issued through the book-entry facilities of XXXX XXXX XXXX XXXX, or XXXX. No global security representing book-entry certificates XXXX be transferred except as a whole by XXXX  to a nominee of XXXX, or by a nominee of XXXX  to another nominee of XXXX. Thus, XXXX or its nominee will be the only registered holder of the certificates and will be considered the sole representative of the beneficial owners of certificates for all purposes.In other words, only the XXXX  and XXXX XXXX XXXX may distribute Beneficial Ownership Rights.Therefore, the only Beneficial Owners, in all cases, will be the Direct or Indirect Participants in the XXXX  that are completely managed, controlled and regulated by the XXXX for its own benefit. \n\nNeither XXXX or XXXX or XXXX NEVER owned anyones debt simply because nobody allow them to own it ; NEVER initiated any loans because they dont have money to loan ; and NEVER serviced any mortgages since Big Banks are well aware about XXXX executives XXXX and XXXX are merely a foreclosure and Title laundering vehicle for Big Banks/ Federal Reserve whose sole purpose to pretend to be a buyer from XXXX ( read XXXX who passed data about my loan to a new player via new password to XXXX/XXXX  XXXX  database XXXX and XXXX relentlessly lie to borrowers and massively commit fraud upon the Court - promoted and enabled by Judges and the Government who of course are familiar with this crime and who exactly operates it - Federal Reserve members ; XXXX  , XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX via its branch XXXX  - who initiate illegal foreclosures by non-existing Trusts with forged documents. \n\n\nAccording to XXXX, XXXX XXXX XXXX, also known as XXXX XXXX XXXX. or XXXX XXXX XXXX, is a specialist United States financial institution that processes transfers of stock certificates on behalf of XXXX XXXX XXXX, the central securities depository used by the United States XXXX XXXX XXXX, which includes the New York XXXX XXXX, XXXX, and other exchanges together with associated clearinghouses such as XXXX, XXXX, XXXX, and others. \n\nXXXX  technically owns substantially all of the publicly issued stock in the United States. Thus, investors do not themselves hold direct property rights in stock, but rather have contractual rights that are part of a chain of contractual rights involving XXXX.Founded in XXXX, XXXX was formed for the purpose of efficiently processing transfers of stock certificates on behalf of the XXXX XXXX XXXX. [ 3 ] The company is at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX is a New York City-based partnership of certain employees of XXXX. \n\nYes, there were securities created, issued, sold, and traded. And in fact, the indenture did indeed have references to groups of data derived from announcements by investment banks referring to the performance of those loans. But that is not securitization of loans. It is the securitization of proprietary data relating to the performance of the loans not the ownership of loans ( which is what is required to speak of securitization of loans ).\n\nSO WHERE DID THE LOAN GO? This could be a reasonable basis for dispute i.e., whether the loan was extinguished or simply became inchoate ( sleeping ) pending a reformation of the transaction such that a designated virtual creditor was replaced with a real one as required by law. \nDOESNT THAT GIVE AN UNFAIR WINDFALL TO HOMEOWNERS WHO RENEGED ON A PROMISE TO PAY? Absolutely not. \nIn fact, it reveals exactly the opposite. \nThe lender ( securities brokerage firm doing business as an investment bank ) is actually an issuer of securities that can not be sold without the cooperative signature of the homeowner together with detailed personal information of the homeowner. \n\nThe resulting sale of securities produces a windfall to the investment bank equal on average to 12 ( XXXX  : XXXX times to XXXX and 184 times to XXXX XXXX times the principal paid, thus far, to the homeowner. \n\nIn other words, XXXX XXXX who owns XXXX, received at least {$20.00} XXXX revenue from trades on DATA about my loan, while merely contributed into {$130000.00} one time payment to me to bear all risks of their transactions. XXXX XXXX received at least 27 times profits trading the SAME date about my loan. XXXX  XXXX XXXX about 12 times. \n\nThe homeowner is required under the disclosed part of the deal to repay the principal paid to him which means that the homeowner did not receive any consideration for the concealed part of the securitization deal. \n\nIn addition, the homeowner has unknowingly taken on the risk that the investment bank has dumped. \n\nAs a putative lender ( not really ) its sole business reason for the transaction is the issuance of securities without which it would not near lending to individual homeowners. \nThe more securities the merrier and the larger the windfall to the investment bank all without giving any conveyance of any debt, note or mortgage. ( You never see the investment bank as the grantee on any recorded conveyance ). \n\nSince the investment bank has no risk of loss, it does not care about the future performance of the alleged loan transaction. \n\nThis one fact removes the basic balance between any person who is characterized as a borrower and any person who is characterized as a lender. \nAccording to federal and state lending laws and basic common sense, the lender, as a sophisticated financial enterprise, is charged legally with determining the viability of the loan because it has a risk of loss. \n\nWithout that risk of loss, the only interest remaining is getting the borrower to submit personal data and to have the homeowner sign documentation promising to pay back the consideration ( plus interest! ) received for the concealed, involuntary participation in the securitization scheme. \n\nIn contract law, this is a classic example of a failure of an element of enforceable contract no meeting of the minds. Borrower intent + NO lending intent = no contract. \n\nThe homeowner is deprived of the opportunity to receive the benefit of bargaining for a share of the securitization scheme or not to participate at all. \nTherefore my conclusion is that ( a ) the homeowner owes nothing because of contract failure and ( b ) is entitled to quantum meruit under quasi-contract law to reasonable compensation for the concealed securitization scheme that could never have existed but for the homeowners signature and personal data. \n\nWhat does this mean? It means that NONE of the investors who bought or traded swaps, certificates, or other securities ever acquired any interest in any loan. None of them acquired the ownership of any debt, note, or mortgage. None of them ever acquired the legal right to administer, collect, or enforce any debt, note, or mortgage. And it means that all documents suggesting the contrary are fabricated and false. \n\nThus under such circumstances no servicer, trustee, trust or investor Including XXXX and XXXX XXXX possesses any right, title or interest in administration, collection or enforcement of any loan. \n\nDUMP THE RISK : The theory behind securitization is perfectly sound, legal, moral, and politically expedient. It is intended to attract investment by reducing risk. \n\nBut XXXX XXXX took this one step further. They completely eliminated the risk. In order to do that they had to completely eliminate the loan account from the general ledger of any company that was involved in the securitization process. \n\nThe loan account was a cover for fraud. It doesnt exist. \nNobody loses money when a homeowner stops paying. And when a homeowner does pay they are contributing to bonuses and largely untaxed profit of investment banks and that is an apt description of what happens to the money when a homestead is forced into sale. NO entry is ever made decreasing the amount of a receivable because there is no receivable. \n\nAnd that is the part that is completely counterintuitive to nearly everyone. It is also the reason that Foreclosure XXXX consistently XXXX any attempts to get discovery of information that would obviously lead to admissible evidence in court. \n\nThere are thousands of Foreclosure cases that have been pushed to the back burner for 10 years or more ( I have one that is 12 years old ) as a result of lawyers and pro se litigants experimenting with this concept. \n\nThe concept is simple. The claim brought against the homeowner either directly or indirectly asserts that the designated claimant exists in the real world and possesses a claim against the Homeowner. The homeowner says OK, tell me how you exist and how you acquired a claim against me. The Foreclosure Mail refuses to answer because it knows that the truth will kill the claim. \nBUT by sheer force of will and perseverance and infinitely deep pockets, the investment bank continues litigating a claim that has absolutely no merit. And in most cases, because our government regulators are sleeping the cost of defending the baseless claims falls onto the homeowner who lacks the resources of time, money and energy to preserve the largest asset he/she owns. \n\nI demand FULL DISCLOSURES from XXXX WHOM they serviced from XX/XX/XXXX to XX/XX/XXXX ; who are the REAL LENDERS behind my transaction with XXXX ( which based on all evidence is Federal Reserves table pool operated by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and other OWNERS of XXXX and XXXX. \n\nI demand compensation for fraud ; 20 % royalties from all trades, and punitive damages at least XXXX XXXX.","date_sent_to_company":"2020-11-13T16:06:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"3946735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-11-10T11:56:23.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This fiction is promoted by XXXX  and media to <em>defraud</em> borrowers and investors."]},"sort":[6.334839,"3946735"]},{"_index":"complaint-public-v1","_id":"3511192","_score":6.0948396,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"{ NOTE : Not knowing your websites documentation box capacity, Im sharing with you that this was 6 pages as I worked on it in MSWord. So you will know you have it all, I put === THE END === at the very end of the document. If you dont see XXXX THE END === you do not have my total document. If that is the case, please let me know what I must do to get the whole document to you so this matter does not get any worse. Thank you. } During the second quarter of XXXX, I shopped for and bought a XXXX XXXX XXXX  XXXX from XXXX XXXX. It was my wish to finance the car through XXXX XXXX XXXX XXXX XXXX in my hometown of XXXX, NE, with which I have a 50+ year relationship. They gave me an almost certain verbal approval but said they required 10-14 days to process the loan and get the money to XXXX. XXXX  said they could not and would not hold the car that long but said they absolutely, positively could secure my financing. I chose this alternative as the car was one I really liked and wanted. I filled out XXXX   necessary paperwork and got approved by several lenders and with XXXX XXXX assistance picked the one that seemed to be most favorable. XXXX   delivered the car on XXXX when I also signed a whole bunch of documents. XXXX  told me the finance company would be in contact with me in the future to provide me with a welcoming kit, the sales contract, a payment book, etc. so as to begin the relationship. This all seemed standard, acceptable procedure to me, as it had been many years since I had financed a car. After about a month, I called XXXX  and asked why I had not heard from the finance company. I was told to calm down and be patient. XXXX  said you have the car and they will be in contact because theyll want their money. I called one other time a few weeks later with the same inquire and was told the same thing. I also asked XXXX  if they could possibly send me a copy of the sales contract. They said they had done so already but would send it again. As unprofessional and flakey as that had been throughout the whole selling process, this did not raise any red flags to me. On or about XX/XX/XXXX, I was contacted by a woman who identified herself as XXXX XXXX with Ally Financial. This was my first Ally contact of any type. She started out with a stark attitude treating me as if I was an irresponsible, low-life, credit deadbeat. She demanded to know why I was not making payments on my loan. I relayed all XXXX  had told me and that I had received nothing from any finance company to date. She countered saying that was not possible, as Ally had been billing me. I repeated that I had received nothing from any finance company and asked where have you been sending what youre saying youve sent? I discovered then and there for the very first time Ally was using a WRONG address and that wrong address had been given to them by XXXX  -- not me! XXXX rectified to the correct address. I asked if ALL previously mailed correspondence could be re-mailed. XXXX said she would try, but she was not sure if it would be possible. Really? To me, this was quite unprofessional consider this situation had not been caused by me. We talked further and XXXX agreed it definitely would be acceptable to Ally for me make payments of {$320.00} ( my required payment is {$310.00}?? ) from my next 3 paychecks ( to my best recollection of exact dates ) on XX/XX/XXXX to cover the XXXX payment, XX/XX/XXXX to cover the XXXX payment and XX/XX/XXXX to cover my XXXX payment due XX/XX/XXXX. This is exactly what I did! During this same conversation with XXXX, I point-blank asked if this mistake caused by XXXX, which was absolutely no fault of mine in that I had no way of knowing Ally had been given the wrong address, would impact my credit bureau reports. She assured me it would not considering the circumstances. By the time we ended the call, XXXX had abandoned her affronting collection approach and had become very nicely civil in tone. From then on, I made payments on time until XX/XX/XXXX. Several months after my call with XXXX, my credit bureau alerting service notified me via email that I had two 30 day lates, which amounted to being 60 days late scored against me on all three of my credit bureaus, which sadly made what XXXX had told me not true! When I called to inquire about this with customer service, I was meant with snarky sass and told, I was late and Ally was correct. When the call ended I was in major frustration and total disbelief than any company would be so blatantly unprofessional as to negatively mark someone for something that they knew full well was completely out of their knowledge or control. I called customer service 4 or 5 other times and continued to seek to have those inappropriate, unfair, unjust, egregious marks removed from my credit bureau reports. Each time I had to try and work through an unbelievably difficult English language barrier with people who spoke the language very poorly and seemed to fully lack the capability to sufficiently understand the syntax of what I was trying to explain. One of the agents said no one in customer service could help and the only way there might be a remote chance of any assistance would be to email some other ( I think she said back-office ) department that might give consideration to looking into this matter. When I asked for that email address or a telephone number, I was told neither one was something Ally ever shared but she said she would be sending an email on my behalf. On one of the subsequent tries, in that I had grown tired of being stonewalled, I finally decided to ask to speak to a supervisor and I was told they could not help me because I had been late and ended that call without ever giving me any time to provide the reason I was asking for some fair, professional treatment. After demanding to speak to a supervisor on a follow-up call, I learned I was again blatantly lied to and that no email had ever been sent! This supervisor promised he would take care of sending the details but I would have to be patient as it could take several months to get an answer. Several months, really ; just what kind of pathetic customer service is that if not just plain harassment? I asked if there was only just one person in that department and was told no, thats just how long it takes. I explained my medical loan need for a swifter reply and was further belittled with, sorry. I had been in the process of getting a loan for serious personal medical reasons and I had been approved, however, during the banks final pre-funding loan review the credit report negatives showed up on my bureau reports and my loan was table until such time as I could get the negatives cleared and removed. Sometime thereafter I received a curt letter from Ally saying their review found their actions extremely accurate and they would be making no adjustments! How is that not other than deliberate, abusive harassment? Needless to say, because of my health condition and my desire to keep living life as the most important thing to me, I tried again to get Ally to both understand and cooperate and remove the grossly unjust credit bureau marks. Again with the help of yet another supervisor, a resubmission was done and the same letter was sent again weeks later. In the meantime, my bureau alert service informed me that one of the 30-day lates had been removed. What a disgusting unprofessional slap in the face insult. How could I be not late for just one month when there were originally two months when XXXX XXXX made initial contact with me? To this day, I have never received the contract or any of the initially mailed introductory paperwork as several times promised more deception. To me, Ally has been a company that projects hate where most others provide positive, caring customer service that shows compassionate cooperation in such trivial clerical matters. \n\nIn early XX/XX/XXXX, I got a call from my personal bank, XXXX, inquiring about a just made $ 600+ charge, which we quickly concluded was a fraud and not mine. The bank, for mine and their mutual defense and protection, froze my account for a week to stop any additional fraud hits, which I was told was a very standard banking operating procedure. Since XXXX, I have been a repeat target of identity theft fraud in the thousands and thousands and thousands of dollars and I am very sensitive to the XXXX and expense it brings into ones life. Having banked with XXXX  since XXXX, I trust and believe them as they have always worked positively in my best interest. The XXXX  agent NEVER mentioned to me that any other payments which I might have in process would also not be honored. They included my electric bill, my gas bill, my XXXX XXXX bill, two VISA payments and my payment to Ally made on XX/XX/XXXX. In that I was on record with XXXX  for a payment of {$320.00} prior to the XXXX day of each month to Ally I had absolutely no reason to even consider thinking my Ally payment or any of my other regular, on-record payments in process with XXXX would not clear. As soon as I realized the magnitude of this situation, I immediately called XXXX to notify them I would be making extra, out-of-sequence payments to Ally and the others so as to show good faith to Ally and my other accounts during the fraud matter and to catch up as quickly as possible. Fraud is XXXX and no one likes being a victim but it sadly is an ongoing condition attacking all banking far too often and I erroneously had thought Ally would be much more knowledgeable and far more understanding then they have been. On XX/XX/XXXX I made another {$320.00} payment, the maximum payment amount on record with XXXX. A week or so thereafter I noticed none of the Ally payments had not while all my others had. Ally is slower than any other online payments I make each month in doing their payment processing. After all, Ally has done to me, which I personally feel is very unethical and unfair, I can not help but think they might slow payment processing so as to gain the ability to charge the maximum amount of interest possible. I called XXXX  and asked rather pointedly why in the XXXX they were returning my payments. They stated they were not. I then asked what was going on. The fraud agent said he could only speculate. One thing he mentioned was a computer spike that might have altered the data within the Ally system, which he said was the most frequent reason he had encountered during his tenure with XXXX, so as to make them not process correctly. As a related aside, Ally has one of the most difficult, confusing, convoluted websites of any I have ever used or have had to try and figure out how to navigate so as to be a responsible on-time borrower. While talking with Ally personnel who are supposedly designated as website trained for client assistance is, for the most part, a waste of time. Another thing the fraud department man mentioned was that some penny-pinching finance companies are known to freeze payment accounts solely because they dont want to pay bouncing fees thereby causing their patrons payment not to post. I questioned him in that I was not fully capable of comprehending why any entity that needs and wants to collect money from their accounts would do something so exceeding counterproductive and stupid so as to get into their own way and cause themselves extra work. He said he was able to see payment attempts but could provide no reasons and encouraged me to repeat my payments to show good faith and keep myself from being put into a more negative light. I did just that on XX/XX/XXXX and XXXX and the same thing happened again! When I called XXXX  again another agent also said often times financial institutions unscrupulously will freeze customer payment accounts, which she said XXXX never does, solely to be able to charge more interest, penalties and late fees as an additional revenue source. When I told her I had learned I was marked with more credit bureau late payments dings, she said, thats part of their game. When I asked her if Ally was allowed to call former and current employers, relatives or friends as they had done her reply was, oh my god. She said all I could do was ask for the lock to be lifted and hope they did so, and then make the payments again, in that having my grandfathered free ( absolutely ) no-frills checking account which does not have many features of which online banking is an unavailable one. Additionally, I no longer have and have not written any actual paper checks for decades. Furthermore, I had never in my life heard of any financial institution being stupid enough or mean enough to unprofessionally block methods of payment when their goal is to be paid! \n\nFully frustrated and disgruntled with the abusive, negative customer service ( my personal evaluation ) up to this point in time, I decided to try to see if anything in the realm of real customer service might come from using the online chat, which is a gross misnomer in that it is a typing exercise. I was on my computer for > 2 hours. Very little was accomplished other to have the Ally typer accuse me of changing my account number really you just cant make up this stuff. I proceeded to type to him that when I made my very first payments I properly loaded my bank account information correctly and all of my subsequent payments posted properly until my bank suspended all my payments solely do to the outside fraud attack. The Ally typer proceeded to insinuate I had changed my account number considering I had shared XXXX with him and he had typed to me he was looking at XXXX. I made it clear to him I did not appreciate him typing I had deliberately done something to intentionally cause myself all this grief, frustration or stress! Come on really? I then typed him if he could tell me what checking account number was at that time loaded into my Ally pay module and he said he could not. He typed, I could clearly see that on my account. I then typed him as to how I could do that because in all the time Ive been using the misfit website there was no time I saw any way to verify my checking account information input. I typed him why my account had been locked out of use in the first place and he typed something illogical as a reply. I then typed, how do we solve this problem? He typed nothing of substance but again went out of his was to insinuate it was all of my doing. I typed, he was abjectly wrong! When I carefully go to input my checking account information and very carefully making sure it is correct, the Ally website gives me an error message that reads an account with this routing number and checking account number has been locked out! He again typed noting which could be concluded as an intelligent reply. I also typed to him if my account had been XXXX as he so disgustingly tried to insinuate, there would be no way the right checking account information with XXXX would be locked out as it would be brand new to the Ally system. One last time I typed two questions : 1 ) Why was my checking account locked out in the first place after I had talked to numerous Ally people a few of which were totally aware of the whole situation? 2 ) Why does Ally deliberately and now seemingly intentionally doing everything in their power to escalate this convoluted situation even further? When what was typed back was void of intelligent, logical answers, I decided it was time to end my chat with this poorly programmed tree stump. \n\nI finally got the attention of their presidential escalation department ( I think that is what they call it ) and was called by one of the most affronting, unprofessional, rude individuals I have encountered in my life. Ally could not train an individual to be a worse representation of pathetic customer service or public relations. She is incapable of shutting up and stopping from interrupting long enough for someone to detail the entire subsequent problem. She was more intent on spewing rules and procedures and being threatening and condescending. The manner in which she presented herself caused me to believe she had already made a decision and her only remaining task was to cram it down my throat. When I was finally able to squeeze in a few questions, I got abrupt answers. I asked if she thought she and Ally were even close to being fair and I got more verbal flack. When I asked why my account was locked, she avoided any logical answer, just as the typer had, beyond again spewing procedure and then insinuated it all of my doing. I was on the phone with this woman for 20+ minutes and the whole ordeal was a disgusting harassment when I had hoped after the initial introduction that Ally FINALLY might be stepping up to the plate to do something that just might be fair and just. This women, who only would identify herself as XXXX  ( sp? ) at extension XXXX, which by the way did not work when I tried to call her back to find out why she had not called me at XXXX XXXX  the next day as she had voluntarily promised she most definitely would and for which I took the time ( and money ) off from work to respectfully honor her supposed return call with the continued hope of finally receiving some fair justice in both of these credit bureau situations caused by Ally. When I called the phone number she gave me the second time a few minutes later after realizing I had been given a wrong extension, I spoke with and worked with a fine, knowledge, compassionate, professional gentleman named XXXX at extension XXXX, who was so apologetic for the previous day. He said he would be more than happy to try and help me and he was so great in all of his attempts and again apologized. He was not sure if he was going to be able to take over the case or not I could only hope and pray, as I have no desire to ever speak to the previous woman ever again. Finally, to top all of this off, the next day at about XXXX XXXX  she had the city police department come to my home, pound on my front door and interrogate and embarrass me like a common criminal in front of all of my neighbors for over half an hour. Fortunately for me, I was able to cajole them into not taking me to the police station with them which would have made this whole horrible situation worse and further compound my life by causing me to be a no-call-no-show at work! At the end of the ordeal, one of the officers explained to me that according to the law they are required to do what they did even if they clearly and completely feel they are being used as a deliberate form of harassment or retaliation, which he said happens far too often, in a civil dispute just to avoid their liability for those times that might have a real significant substance. Ally is also sending me ugly, severely threating letters and with them, they are treating me like I am a calculated criminal individual who is trying to defraud them when all the while everything that has happened has NOT been any fault of mine whatsoever and I have very diligently and have deliberately continued to sustain my desire to clearly show I want to make all payments and get this matter completely resolved. I did not provide the wrong address nor did I ask to have my ONLY FORM OF PAYMENT locked so I would look like I was someone who did not care and was, in fact, the deadbeat Ally is seemingly trying to set me up to look like I am with their unorthodox, unexplainable, deceptive, manipulative practices and processes. \n\nWhat I would like, if you fine people at Consumer Financial Protection Bureau can make it happen, is to have my XXXX account UNLOCKED within the Ally online payment portal so I can the very next 4 days thereafter make payments each day of {$320.00} so as to bring my account current, if you can make it happen before XX/XX/XXXX, my XXXX due date. I would also love to have all of the lates removed from the Ally sections of my credit bureau reports so I can get the loan processed to be able to move forward with my personal health crisis and substantially lengthen the estimated amount of time I have left to live. And finally, I would like all penalties, late fees and extra interest subtracted from my Ally account. And If I have to continue dealing with Ally to accurately, finally resolve this matter, I would really like to do so with XXXX as I really do not want any more contact with the other woman for the rest of my life. I look forward with great anticipation to learning what you might be able to do to resolve this matter at your earliest possible convenience so they do not escalate this matter to the point of repossessing my car. The people who referred me to your agency spoke very highly of your effectiveness, your promptness and your ability to solve even the most complex problems in a favorable manner for the complainant ; one person even said you might be the most efficient bureau in the federal government. \n=== THE END ===","date_sent_to_company":"2020-01-28T00:13:48.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92009","tags":"Older American","has_narrative":true,"complaint_id":"3511192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2020-01-27T23:59:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I was on my <em>computer</em> for > 2 hours. Very little was accomplished other to have the Ally typer accuse me of changing my account number really you just cant make up this stuff. I proceeded to type to him that when I made my very first payments I properly loaded my bank account information correctly and all of my subsequent payments posted properly until my bank suspended all my payments solely do to the outside <em>fraud</em> attack."]},"sort":[6.0948396,"3511192"]},{"_index":"complaint-public-v1","_id":"3284591","_score":5.3042846,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, Please find my Complaint against PennyMac Loan Servicing LLC ( PennyMac ) for fraud with XXXX XXXX XXXX ; theft of the loan ; identity theft ; conspiracy to defraud ; violation of TILA, RESPA, UCC and RICO Act ; and other misconduct. \n\nOn XX/XX/XXXX my loan was purportedly transferred to PennyMac by XXXX XXXX XXXX ( XXXX ). Both suppose to be Subservicers for the loan originator XXXX XXXX XXXX XXXX. ( \" XXXX '' ) On XX/XX/XXXX PennyMac sent me a billing statement claiming that PennyMac is \" owner/investor '' - which is not true because my loan is a VA loan thus is a subject of very strict XXXX XXXX guidelines ; and all documents are held by XXXX approved Custodian. PennyMac is  not on XXXX-approved Custodians, nor on Subservicer 's list. See attached. \n\nOn XX/XX/XXXX I sent a Debt Validation Request to PennyMac, in accordance with FDCPA. As of today, XX/XX/XXXX PennyMac failed to provide me ANY proof ( except their empty words claiming \" ownership '' of my loan. \n\nI have reasons to believe that I am a victim of a massive fraud with XXXX securities ; Ponzi scheme, theft of the loan and identity theft, since I believe that my loan was stolen from XXXX  custody by XXXX and PennyMac, both are in fact a renamed predatory lender Countywide financial who acts in conspiracy with certain investment Banks, particularly XXXX XXXX, whose executive XXXX is not CEO for XXXX. According to XX/XX/XXXX Report from House Finance Committee, XXXX XXXX, who recently paid {$13.00} XXXX fine and who was an underwriter to XXXXXXXX XXXX {$1.00} XXXX junk Securities in XXXX is currently engaged in \" in an unrelenting crime spree '' - which I experienced first hands dealing with current XXXX XXXX RICO enterprise - XXXX, PennyMac and XXXX who sells my identity to predatory lender who swamped me with unsolicited refinancing offers. \n\nOn XX/XX/XXXX I requested PennyMac to validate my debt and their legal rights to collect, particularly provide me a proof of full chain of assignment as required by XXXX Guide. \n\nPennyMac failed to provide me any proof, thus, I conclude that PennyMac is engaged in an unlawful collection activity, commonly known as racket under RICO Act. \n\nIn my request I specifically asked following questions : Debt Validation notice sent to me on XX/XX/XXXX where you informed that PennyMac Loan Services LLC ( PennyMac ), Servicer for this loan, is the current creditor to whom I owe {$120000.00} ; and the current owner/investor in loan # XXXX, ( but not PennyMac Financial Services Inc., or PennyMac Mortgage Investment Trust ; or PNMAC Capital Management, LLC, or any other PennyMac subsidiary ). According to your Companys XXXX Report, The conventional loans we acquire through our correspondent production operations are purchased, pooled for sale, sold and/or securitized on a fee-for-service basis by another PennyMac Financial subsidiary, PennyMac Loan Services , LLC, which also services most of the loans in our investment portfolio and the loans for which we retain the obligation to service. In short, PennyMac SOLD my debt to other parties which you now try to collect from me ; while you already received a payment for it. However, my loan is XXXX-guaranteed, thus not  conventional and differently regulated, where PennyMac maybe a Servicer, not owner. \n\nSince you did not attach any documents in support to your Notice which can prove that PennyMac is a legit owner/investor/creditor/beneficiary for my loan with XXXX XXXX  XXXX XXXX ( XXXX ) # XXXX signed on XX/XX/XXXX ; which was sold or otherwise transferred to XXXX XXXX XXXX, XXXX ( XXXX ) as Loan # XXXX on XX/XX/XXXX ; and purportedly sold or otherwise transferred to PennyMac on or about XX/XX/XXXX or earlier as Loan # XXXX ; I respectfully request a validation to confirm if PennyMac is entitled to receive payments of {$120000.00} in the amount of {$850.00} per month. Also, you failed to provide me how this debt was calculated, which I have reasons to believe was incorrect from the origination ; and continue to be incorrect as of today. \n\nFurthermore, PennyMac said in XXXX Report We have a strong history as a prudent steward of shareholders capital which is not true. PennyMac is in fact a renamed XXXX XXXX who created a biggest housing crisis by their fraudulent lending activities including loans issues by a fake Americas Wholesale Lender which XXXX represented as a incorporated under laws of NY while AWL was never incorporated. It resulted in trillions of $ $ $ losses for investors and taxpayers. PennyMacs President Mr. XXXX is XXXX robo-signer whose stamped signatures are currently pending in numerous bogus foreclosures across the County, which Mr. XXXX must know. PennyMacs co-owner/investor is XXXX XXXX whose entire business is based on predatory foreclosures. In XX/XX/XXXX founder of XXXX XXXX filed a lawsuit against XXXX accusing them in covert criminal conspiracy perpetrated with the specific intent and purpose of gouging enormous profits from the forced foreclosures and confiscation of the homes of hundreds of thousands of struggling families all across the United States. These facts are not consisted with PennyMacs image as a prudent steward of shareholders capital, but create the totally opposite impression of RICO Enterprise on crime-spree. PennyMac is swamped legal cases and customers complaints for fraud, dishonesty, abuses ; corruption ; and the exactly the same scheme with escrow accounts to push borrowers under hardship to foreclose which I experienced with XXXX XXXX XXXX, another branch of XXXX XXXX. Thus, a full documented validation of this debt is reasonable and supported by numerous laws since I believe I am a victim of fraud, conspiracy, corruption and a huge Ponzi scheme. \n\nBe advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) RESPA, TILA, UCC Art. 9 ; Section 401 ( a ) of the Sarbanes-Oxley Act ; and other applicable laws that your claim is disputed and validation is requested. \n\nPlease be further advised that I reserve my rights to place on hold all payments during this validation, pursuant to FDCPA which provides me 30 days to respond to your Debt Validation letter ; and 30 days to review your answer ; and RESPA 60-days allowance during Servicing Transfer, presuming that the transfer was lawful. All payments will resume in full, as agreed under the Contract, as soon as this Debt is validated. No late fees must be posted ; no harassing phone calls can be made ; and all overdue amounts must be refunded to me within 30 days from validation.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nOn XX/XX/XXXX I signed contact to purchase a Mortgage loan, governed by UCC Art. 3, secured  by a house as collateral where I was a Borrower/Mortgagor ; and XXXX was a creditor/Mortgagee. I was not informed about my real role as an Issuer/Guarantor for Mortgage-Backed Securities ( MBS ) and many other trading products ; and profits received by selling my name, my signature, my reputation, my home on the open markets several times a day, in small tranches, including but not limited to thin-air securities like Mortgage Servicing Rights ( MSR ). All of these transactions are subjects of SEC Act ; Sarbanes-Oxley Act, Federal Acquisition Regulation ( my mortgage is guaranteed by XXXX XXXX ) ; TILA, RESPA and UCC - all of which require FULL disclosures to borrowers who buy mortgages. \n\nThese disclosures were not provided to me, as well as compensation received from trades on my name and signature. No need to say, nobody offered to share profits from $ $ $ millions produced by sales of unsecured trading products. Each sale represented profits arising from my name used on loan documentation that originated the loan. Hence the profits represent undisclosed compensation that according to TILA and RESPA should have been disclosed at closing. I was never told that my {>= $1,000,000} loan would be generating $ 2+ million in profits for the bank, on top of my $ XXXX interest. Negotiations over the loan would likely be different but in any event the Truth in Lending Act requires the real players ( Investment bank ) and the real compensation ( all profits, fees and commissions ) to be disclosed to me. \n\n( 1 ) Please provide me a copy of my Mortgage which states that I was informed and gave my consent to be an Issuer/Guarantor for Mortgage-Backed Securities using my name and my house as collateral ; who was the real player in this Transaction  ( I suspect that XXXX was an intermediary who never invested a cent in this loan but to the contrary received a full benefit for their participation even before this loan was closed ). Please provide my the full amount of real compensation, including all profits, fees, commission, ect received from numerous resales and trades of myriad of various securities arose from my names used on the loan. \n\nXXXX XXXX XXXX ( XXXX ), who was likely acting as XXXX correspondent production operator, offered me monthly payments of {$890.00} as the price for the loan. A big chunk of this payment was my escrow account which included {$1100.00} ( now {$1100.00} ) per year FEMA Flood Insurance, policy # XXXX, for properties located in a flood zone. However, based on consultation and a survey from two local Companies, my property is not even included in FEMA Flood Map, so my {$98.00} per month payment for FEMA 's Flood insurance was obviously a fraudulent attempt to extort more money. Moreover, XXXX intentionally ignored my Map Amendment Letter which I mailed them several times beginning from XX/XX/XXXX ; and did not remove Flood Insurance from my escrow account as of today, which resulted in a significant overpayment. XXXX is well-known for their deceptive servicing practices, specially manipulations with escrow accounts, which resulted in numerous Class Actions, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( 2 ) Please request from XXXX/XXXX all documents based on which my property was determined in a flood zone ; remove flood insurance from my account ; recalculate my payments ; and refund me unjustly collected money. The Map Amendment letter is enclosed. \n\nXXXX was the original Servicer of my loan where XXXX was a Guarantor. As you know, XXXX does not directly issue, sell or buy pass-through MBS nor does it purchase mortgage loans. Instead, private lenders approved by XXXX XXXX originate loans that are eligible, pool them into securities, and issue the instruments. The bank collects mortgage payments from borrowers and passes payments to XXXX XXXX, which passes them through to investors. All transactions are strictly governed by XXXX XXXX Guide ; documents are held in a special Custodian Account ; all custodians must be XXXX approved ; all Servicers must have a Mortgage Servicing Agreement with XXXX. \n\nOn XX/XX/XXXX, XXXX claimed to be the current Note Holder and the loan is in a pooled security guaranteed by XXXX. On XX/XX/XXXX PennyMac claimed to be owner/investor in my loan with XXXX. I suspect that this information is not true since all Notes must held by a Custodian and XXXX   or PennyMac are not on the list of approved by XXXX  Custodians ; and under no circumstances XXXX can be a current holder on XX/XX/XXXX since they sold or transferred this loan to PennyMac about two months earlier. \n\n( 3 ) Please provide me proof that you have rights and standing as owner/investor/third-party beneficiary or in other capacity, to collect from me on the Loan XXXX, along with copies of all original documents signed by me, such as a Copy of the Note with full chain of assignments from XXXX to all parties, including PennyMac who claims to be owner of my loan at the same time as XXXX ; the name of the original Trust where XXXX placed my loan to hold as a pooled security ( in fact, myriad of different securities ), similar to PennyMacs Subordination, Acknowledgment and Pledge Agreement as of XX/XX/XXXX, between PNMAC XXXX ISSUER TRUST ( the Buyer ), and PENNYMAC HOLDINGS, LLC, as Pledgor ; Copy of Pooling and Servicing Agreement for the Trust ; the name and contact information for the Issuer ; Indenture Trustee ; Trusts Administrator/Board of Directors ; name of Custodian for XXXX who holds documents related to my loan ; copies of Subordinate Servicers Agreement between XXXX, XXXX and PennyMac ; copies of Transfer of Mortgage Servicing Rights between XXXX and PennyMac. \n\n( 4 ) Please also provide me a proof that my loan is still in Good Standing with XXXX and was not removed from XXXX custody by misrepresentation and deceit, similar to First Mortgage Corporations scheme to defraud investors in the sale of RMBS guaranteed by the XXXX XXXX. According to SEC investigation, XXXX pulled current, performing loans out of XXXX XXXX RMBS by falsely claiming they were delinquent in order to sell them at a profit into newly-issued RMBS. It is not a secret that PennyMac on XX/XX/XXXX issued XXXX XXXX shares of its Company where used my name and my signature on the loan as an asset/guarantee to attract investors. Please also provide me proof that I was informed about my role as a co-issuer/guarantor for PennyMacs Initial Public Offering ; and how much is my proportional share in this transaction. PennyMac expects to receive about {$190.00} XXXX using my name, my signature and my loan as collateral for this sale. Please also provide Affidavits in support of all charges ; and the full amortization of payments made on this loan, from the origination of the Loan XXXX until the present time, along with applicable interests ; all other documents required from Servicers/Owners/Investors in XXXX XXXX under XXXX XXXX Guide. If my loan was repurchased either by PennyMac or/and XXXX please state the reason why XXXXs sold XXXX securities backed by my loan ; and provide me a copy of re-purchasing Agreement along with the sale price. This is not private information since this information belongs to me as well, due to the Contract signed by me on XX/XX/XXXX with XXXX ; and disclosures mandated by many laws, rules and regulations ( 5 ) Please further explain why I owe you {$120000.00} if PennyMac even IF legitimately obtained rights to this debt already received a full benefit from their purchase, which was facilitated with other people money ( investors ) by secretly reselling my name, signature and reputation on the many times on the open market, without any TILA, RESPA, UCC disclosures about compensation received and without my consent. Moreover, PennyMac obtained additional benefit from selling shares of its Company to investors using my signature on the loan as a collateral for which PennyMac collected over {$21.00} per share, with a total amount XXXX shares, and generated over {$190.00} XXXX, none of which was disclosed to me and asked for my consent ; or shared with me as a profit from trading my name. Looks like PennyMac actually owes me a lot of money from trades, not I owe you anything. \nPennyMacs demand for debt payments claiming to be owner/investor constitutes that PennyMac is a third-party beneficiary under the Contract ( mortgage ) I signed with XXXX. Lender always has higher bargaining power when they sell mortgages and have access to all borrowers information. I do not have the same options since all operations are conducted in the highly secretive manner and create an inequality which put Lender in a greater negotiating position resulting in a disproportionate level of freedom between parties. While I as a borrower/promisor comply with my obligation under the contract and pay my bills, the Promise ( original Lender ) immediately received the full benefit of the bargain. I suspect that XXXX never invested any funds into this transaction and merely worked for XXXX for a fee. XXXX also immediately received a full benefit from their investment within 30 days after they packaged loans into securities, supposedly placed them in Trusts, including their XXXX XXXX XXXX Issuer Trust ( DE Statutory Trust ) where XXXX sells its thin-air Mortgage Servicing Rights in 1031 Exchange manner, in conflict with XXXX XXXX  Guide ; and sold my loan to thousands of parties thus breached their obligation to disclose that here are other beneficiarieswho are not a part of this contract but who act like they are creditor beneficiaries. I did not found if my mortgage specifically named these beneficiaries as a party who expressed their assent to my contract with XXXX as required by UCC, TILA and RESPA.\n\n( 6 ) Please provide me proof that PennyMac is a legitimate beneficiary to my Contract with XXXX ; and at the time of Closing manifested their awareness and assent as third-parties beneficiaries who will receive benefits of this bargain, backed by my home as a security for my loan ; and provided me disclosures under TILA ; RESPA ; and other laws. I am not aware about any PennyMacs detrimental reliance either.\n\n( 7 ) Provide me copies of Purchase Agreements between XXXX, XXXX and PennyMac to prove that my loan with XXXX was actually sold and PennyMac is a legitimate owner/investor, along with copies of any papers that show I agreed to pay what you say I owe you ; the name of Trust which currently holds my loan as a security for benefit of PennyMac ; Trust Pooling and Servicing Agreement ; as required by IRS Rule 26-860G ; and SEC Exchange Act of 1934 ; proof of Trusts valid registration with SEC and IRS Directory ( Pub. 938 ) Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. \nAlso during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any late fees on my loan ; any harassing phone calls ; listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, I assume that this debt is not valid and your demand to collect was unlawful and void. \nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. \n\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. \n\nBest Regards, XXXX XXXX","date_sent_to_company":"2019-06-24T09:58:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3284591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2019-06-24T09:21:57.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Moreover, XXXX <em>intentionally</em> ignored my Map Amendment Letter which I <em>mailed</em> them several times beginning from XX/XX/XXXX ; and did not remove Flood Insurance from my escrow account as of today, which resulted in a significant 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